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LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
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Advertising Disclosure
LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).
Advertising Disclosure
LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).
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American Express Disclosure
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.
American Express Disclosure
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.
*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.
This article was last updated
March 1, 2023 . Terms and conditions may have changed. For the most accurate information, please consult the issuer website.
If you spend a large amount on gas and are looking for a dedicated card for gas purchases, you’ll find few cards more rewarding that the Citi Custom Cash Card. It earns a generous cash back rate in your top spending category each month (on up to $500) from a list of eligible categories, including gas.
Citi is an advertising partner.
Gas can be among a household’s biggest expenses each month, and it makes sense to do everything possible to lower the impact it has on your budget. A gas credit card can be one way to keep some extra money in your wallet. There are two major types of gas credit cards — one gives a discount on gas purchases (usually at a specific brand of gas station) and the other gives rewards on fuel purchases. While there are many different choices for gas credit cards, the best gas credit card will earn at least 2% back on your gas purchases.
Sign-up bonus: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Rewards rate: Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
Why we picked this card: The Citi Custom Cash℠ Card has a unique earning structure. Instead of earning rewards in fixed categories, you automatically 5% cash back on your highest category of spend each month from a list of categories (up to $500). So if gas is your biggest spending category, you can earn a whopping 5% cash back on up to $500 in gas each month.
Pros
Cons
Generous cash back rate on gas purchases
$0 annual fee
Healthy sign-up bonus for a no-annual-fee card
Highest cash back rate capped at $500 per month
Charges 3% foreign transaction fees
The Citi Custom Cash℠ Card might be best suited for someone who is looking for a second credit card used only for gas purchases. That’s because you will only earn the 5% cash back in a single category. So if gas isn’t the category where you spend the most, you’ll only earn 1% in cash back rewards.
Its categories include:
Restaurants
Grocery stores
Select travel
Select transit
Select streaming services
Drugstores
Home improvement stores
Fitness clubs
Live entertainment
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness.
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
No Annual Fee
Citi will only issue one Citi Custom Cash℠ Card account per person.
Sign-up bonus: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Rewards rate: Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
Why we picked this card: The Citi Custom Cash℠ Card has a unique earning structure. Instead of earning rewards in fixed categories, you automatically 5% cash back on your highest category of spend each month from a list of categories (up to $500). So if gas is your biggest spending category, you can earn a whopping 5% cash back on up to $500 in gas each month.
Pros
Cons
Generous cash back rate on gas purchases
$0 annual fee
Healthy sign-up bonus for a no-annual-fee card
Highest cash back rate capped at $500 per month
Charges 3% foreign transaction fees
The Citi Custom Cash℠ Card might be best suited for someone who is looking for a second credit card used only for gas purchases. That’s because you will only earn the 5% cash back in a single category. So if gas isn’t the category where you spend the most, you’ll only earn 1% in cash back rewards.
Its categories include:
Restaurants
Grocery stores
Select travel
Select transit
Select streaming services
Drugstores
Home improvement stores
Fitness clubs
Live entertainment
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness.
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
No Annual Fee
Citi will only issue one Citi Custom Cash℠ Card account per person.
Best For
Gas card for business
Business Advantage Customized Cash Rewards credit card
Sign-up bonus: Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
Rewards rate: Earn 3% cash back in the category of your choice (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter) and 1% cash back on all other purchases
Why we picked this card: Because cardholders can select gas stations as one of their choice categories, the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card offers one of the highest cash back rates on gas available for a business credit card.
Pros
Cons
Solid welcome bonus
Flexibility to earn cash back in your preferred category
$0 annual fee
Highest cash back rates capped at $50,000 spend per year
Have to manually change your bonus category if you want to update it
The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card is best for small business owners who are looking for a flexible credit card that provides the opportunity to earn a generous cash back rate on gas purchases. Cardholders can select one choice category to earn the highest cash back rate in each month (up to the yearly maximum), and you can change it once per calendar month.
Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
Earn 3% cash back in the category of your choice: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
No annual fee.
Choose how to redeem your cash rewards - as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire.
To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% will apply.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Sign-up bonus: Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
Rewards rate: Earn 3% cash back in the category of your choice (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter) and 1% cash back on all other purchases
Why we picked this card: Because cardholders can select gas stations as one of their choice categories, the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card offers one of the highest cash back rates on gas available for a business credit card.
Pros
Cons
Solid welcome bonus
Flexibility to earn cash back in your preferred category
$0 annual fee
Highest cash back rates capped at $50,000 spend per year
Have to manually change your bonus category if you want to update it
The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card is best for small business owners who are looking for a flexible credit card that provides the opportunity to earn a generous cash back rate on gas purchases. Cardholders can select one choice category to earn the highest cash back rate in each month (up to the yearly maximum), and you can change it once per calendar month.
Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
Earn 3% cash back in the category of your choice: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
No annual fee.
Choose how to redeem your cash rewards - as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire.
To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% will apply.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Welcome offer: Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
Rewards rate: 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. Terms apply.
Why we picked this card: The Blue Cash Preferred® Card from American Express earns 3% cash back rewards at U.S. gas stations and also earns one of the highest rates of cash back around for U.S. supermarket purchases (redeemable for statement credits). If you’re looking for the cash back credit card for these two categories combined, the Blue Cash Preferred® Card from American Express is the way to go.
Pros
Cons
Excellent cash back rate on useful categories (U.S. supermarkets, streaming, transit, U.S. gas stations)
Attractive sign-up bonus
Useful monthly and annual credits
$0 intro annual fee for the first year, then $95.
Cash back rate at U.S. supermarkets limited to $6,000 per year
Charges a foreign transaction fee
To see rates & fees for Blue Cash Preferred® Card from American Express please click here.
The Blue Cash Preferred® Card from American Express is best for consumers who spend a lot at U.S. supermarkets, U.S. gas stations and the card’s other cash back categories and are willing to pay an annual fee ($0 intro annual fee for the first year, then $95.). If you spend at least $1,584 on purchases that earn 6% cash back, you’ll recoup the amount of the annual fee each year. Just know, there is a yearly spending cap of $6,000 on U.S. supermarket purchases, after which your rate for such purchases drops to 1%.
To see rates & fees for Blue Cash Preferred® Card from American Express please click here.
Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
$0 intro annual fee for the first year, then $95.
Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 18.74% to 29.74%
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6% Cash Back on select U.S. streaming subscriptions.
3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
1% Cash Back on other purchases.
Get $7 back each month after using your Blue Cash Preferred Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
Terms Apply.
Welcome offer: Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
Rewards rate: 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. Terms apply.
Why we picked this card: The Blue Cash Preferred® Card from American Express earns 3% cash back rewards at U.S. gas stations and also earns one of the highest rates of cash back around for U.S. supermarket purchases (redeemable for statement credits). If you’re looking for the cash back credit card for these two categories combined, the Blue Cash Preferred® Card from American Express is the way to go.
Pros
Cons
Excellent cash back rate on useful categories (U.S. supermarkets, streaming, transit, U.S. gas stations)
Attractive sign-up bonus
Useful monthly and annual credits
$0 intro annual fee for the first year, then $95.
Cash back rate at U.S. supermarkets limited to $6,000 per year
Charges a foreign transaction fee
To see rates & fees for Blue Cash Preferred® Card from American Express please click here.
The Blue Cash Preferred® Card from American Express is best for consumers who spend a lot at U.S. supermarkets, U.S. gas stations and the card’s other cash back categories and are willing to pay an annual fee ($0 intro annual fee for the first year, then $95.). If you spend at least $1,584 on purchases that earn 6% cash back, you’ll recoup the amount of the annual fee each year. Just know, there is a yearly spending cap of $6,000 on U.S. supermarket purchases, after which your rate for such purchases drops to 1%.
To see rates & fees for Blue Cash Preferred® Card from American Express please click here.
Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
$0 intro annual fee for the first year, then $95.
Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 18.74% to 29.74%
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6% Cash Back on select U.S. streaming subscriptions.
3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
1% Cash Back on other purchases.
Get $7 back each month after using your Blue Cash Preferred Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
Sign-up bonus: Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
Rewards rate: Earn unlimited 2% cash rewards on purchases
Why we picked this card: The Wells Fargo Active Cash® Card lets you earn unlimited 2% cash rewards on purchases without limits. If you want one card that you can use anywhere without the hassle of juggling multiple credit cards, the Wells Fargo Active Cash® Card can be an attractive option.
Pros
Cons
Solid welcome bonus
Earn a high rate of cash back on all purchases
$0 annual fee
No bonus categories
3% foreign transaction fee
Balance transfer fee
The Wells Fargo Active Cash® Card is best for someone that wants a single credit card that earns cash back everywhere. You’ll get the same high rate of cash back on all purchases in every category with no limit. That is a solid return without having to juggle multiple credit cards or remember which one to use.
Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
Earn unlimited 2% cash rewards on purchases
0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 19.74%, 24.74%, or 29.74% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
$0 annual fee
No categories to track or remember and cash rewards don't expire as long as your account remains open
Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
Select “Apply Now” to learn more about the product features, terms and conditions
Sign-up bonus: Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
Rewards rate: Earn unlimited 2% cash rewards on purchases
Why we picked this card: The Wells Fargo Active Cash® Card lets you earn unlimited 2% cash rewards on purchases without limits. If you want one card that you can use anywhere without the hassle of juggling multiple credit cards, the Wells Fargo Active Cash® Card can be an attractive option.
Pros
Cons
Solid welcome bonus
Earn a high rate of cash back on all purchases
$0 annual fee
No bonus categories
3% foreign transaction fee
Balance transfer fee
The Wells Fargo Active Cash® Card is best for someone that wants a single credit card that earns cash back everywhere. You’ll get the same high rate of cash back on all purchases in every category with no limit. That is a solid return without having to juggle multiple credit cards or remember which one to use.
Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
Earn unlimited 2% cash rewards on purchases
0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 19.74%, 24.74%, or 29.74% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
$0 annual fee
No categories to track or remember and cash rewards don't expire as long as your account remains open
Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
Select “Apply Now” to learn more about the product features, terms and conditions
Best For
Gas card for bad credit
Bank of America® Customized Cash Rewards Secured Credit Card
Review Coming Soon
Bank of America® Customized Cash Rewards Secured Credit Card
Rewards rate: Earn 3% cash back in a category of your choice each month
Why we picked this card: If you’re looking for cash back rewards on gas purchases but your credit is not ideal, the Bank of America® Customized Cash Rewards Secured Credit Card is one of the most rewarding options you can find, since it offers gas stations as a choice category. ving your credit.
Pros
Cons
Earn cash back in the category of your choice
Can be approved even with less-than-perfect credit
$0 annual fee
Requires an initial security deposit
Highest cash back rates only earned on first $2,500 spent each quarter
You have to manually change your bonus category if you want to update it
The Bank of America® Customized Cash Rewards Secured Credit Card is best for someone that wants to earn rewards while also working on improving their credit. You’ll put down an initial security deposit of at least $200 that will serve as your credit limit. Reliably making your monthly payments will help you improve your credit score over time.
Earn 3% cash back in a category of your choice each month
Secure a credit limit up to $5,000
Periodic account reviews to have your security deposit refunded
Free monthly FICO® Score
Sign-up bonus: N/A
Rewards rate: Earn 3% cash back in a category of your choice each month
Why we picked this card: If you’re looking for cash back rewards on gas purchases but your credit is not ideal, the Bank of America® Customized Cash Rewards Secured Credit Card is one of the most rewarding options you can find, since it offers gas stations as a choice category. ving your credit.
Pros
Cons
Earn cash back in the category of your choice
Can be approved even with less-than-perfect credit
$0 annual fee
Requires an initial security deposit
Highest cash back rates only earned on first $2,500 spent each quarter
You have to manually change your bonus category if you want to update it
The Bank of America® Customized Cash Rewards Secured Credit Card is best for someone that wants to earn rewards while also working on improving their credit. You’ll put down an initial security deposit of at least $200 that will serve as your credit limit. Reliably making your monthly payments will help you improve your credit score over time.
Earn 3% cash back in a category of your choice each month
Secure a credit limit up to $5,000
Periodic account reviews to have your security deposit refunded
Free monthly FICO® Score
The information related to the Bank of America® Customized Cash Rewards Secured Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Sign-up bonus: Get 30¢ off per gallon on bp and Amoco fuel purchases in the first 60 days after account opening.
Rewards rate: Get 15¢ off per gallon on fuel purchases at participating bp and Amoco stations. Earn 5% cash back on non-fuel bp and Amoco purchases, 3% cash back on grocery store and dining purchases and 1% cash back on other purchases.
Why we picked this card: Of all gas discount cards, the BP Visa® Credit Card offers one of the largest discounts on fuel. You’ll get 15 cents per gallon off all fuel purchases at BP, and also earn points on groceries, dining and non-fuel BP purchases.
Pros
Cons
Discount on gas purchases
Earn bonus cash back on groceries and dining
$0 annual fee
Limited bonus categories and rewards
Charges 3% foreign transaction fee
No rewards or discounts for non-BP fuel purchases
While you will earn some cash back points on non-BP purchases, this card is ideal for someone who frequently fills up the tank at BP. You’ll get a 15 cents per gallon discount at BP stations as well as 5% cash back on non-fuel purchases at BP and Amoco.
Introductory offer: Earn 30¢ off per gallon on bp and Amoco fuel purchases in the first 60 days after account opening
Use your card anywhere Visa is accepted
No annual fee
Visa benefits, including roadside dispatch and zero liability
Sign-up bonus: Get 30¢ off per gallon on bp and Amoco fuel purchases in the first 60 days after account opening.
Rewards rate: Get 15¢ off per gallon on fuel purchases at participating bp and Amoco stations. Earn 5% cash back on non-fuel bp and Amoco purchases, 3% cash back on grocery store and dining purchases and 1% cash back on other purchases.
Why we picked this card: Of all gas discount cards, the BP Visa® Credit Card offers one of the largest discounts on fuel. You’ll get 15 cents per gallon off all fuel purchases at BP, and also earn points on groceries, dining and non-fuel BP purchases.
Pros
Cons
Discount on gas purchases
Earn bonus cash back on groceries and dining
$0 annual fee
Limited bonus categories and rewards
Charges 3% foreign transaction fee
No rewards or discounts for non-BP fuel purchases
While you will earn some cash back points on non-BP purchases, this card is ideal for someone who frequently fills up the tank at BP. You’ll get a 15 cents per gallon discount at BP stations as well as 5% cash back on non-fuel purchases at BP and Amoco.
Introductory offer: Earn 30¢ off per gallon on bp and Amoco fuel purchases in the first 60 days after account opening
Use your card anywhere Visa is accepted
No annual fee
Visa benefits, including roadside dispatch and zero liability
The information related to the BP Visa® Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Sign-up bonus: $200 after you make $1,000 or more in purchases during the first three billing cycles
Rewards rate: Earn 2% on grocery store purchases, 3% on dining purchases at restaurants and 4% on gas station purchases for the first $8,000 in combined purchases in these categories annually. 1% cash back on purchases everywhere, every time.
Why we picked this card: The PNC Cash Rewards® Visa® Credit Card is our pick for gas and restaurants for its excellent earning in both categories.
Pros
Cons
Earn a solid welcome bonus
Excellent bonus rewards categories
$0 annual fee
Cap on highest earning rate each year
No introductory APR on purchases
Charges a foreign transaction fee
If you’re a frequent spender at both gas stations and restaurants, you might consider the PNC Cash Rewards® Visa® Credit Card. In addition to offering an excellent rewards rate on these two categories, the card offers cash back at grocery stores on all other purchases — all with $0 annual fee.
$200 after you make $1,000 or more in purchases during the first three billing cycles
You’ll earn at least 1% cash back on purchases everywhere, every time. Earn 2% on grocery store purchases, 3% on dining purchases at restaurants and 4% on gas station purchases for the first $8,000 in combined purchases in these categories annually.
Cash back is automatic – there’s no need to enroll or track rotating categories
0% intro APR on balance transfers for the first 12 billing cycles following account opening when the balance is transferred within the first 90 days following account opening. Then a variable APR, currently 17.74% to 28.74% based on credit worthiness.
No annual fee.
Sign-up bonus: $200 after you make $1,000 or more in purchases during the first three billing cycles
Rewards rate: Earn 2% on grocery store purchases, 3% on dining purchases at restaurants and 4% on gas station purchases for the first $8,000 in combined purchases in these categories annually. 1% cash back on purchases everywhere, every time.
Why we picked this card: The PNC Cash Rewards® Visa® Credit Card is our pick for gas and restaurants for its excellent earning in both categories.
Pros
Cons
Earn a solid welcome bonus
Excellent bonus rewards categories
$0 annual fee
Cap on highest earning rate each year
No introductory APR on purchases
Charges a foreign transaction fee
If you’re a frequent spender at both gas stations and restaurants, you might consider the PNC Cash Rewards® Visa® Credit Card. In addition to offering an excellent rewards rate on these two categories, the card offers cash back at grocery stores on all other purchases — all with $0 annual fee.
$200 after you make $1,000 or more in purchases during the first three billing cycles
You’ll earn at least 1% cash back on purchases everywhere, every time. Earn 2% on grocery store purchases, 3% on dining purchases at restaurants and 4% on gas station purchases for the first $8,000 in combined purchases in these categories annually.
Cash back is automatic – there’s no need to enroll or track rotating categories
0% intro APR on balance transfers for the first 12 billing cycles following account opening when the balance is transferred within the first 90 days following account opening. Then a variable APR, currently 17.74% to 28.74% based on credit worthiness.
No annual fee.
The information related to the PNC Cash Rewards® Visa® has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Best For
Credit card for gas and hotels
Hilton Honors™ Surpass® Card from American Express
Welcome offer: Earn 150,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership
Rewards rate: Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio. Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations. Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Why we picked this card: The Hilton Honors American Express Surpass® Card earns a high rate of rewards for gas purchases in the form of Hilton Honors hotel points. If you’re a frequent Hilton traveler, you’ll enjoy earning travel rewards that you can turn into free nights.
Pros
Cons
Outstanding welcome bonus
Excellent rewards categories including gas, dining and groceries
Complimentary Hilton Gold elite status (enrollment required)
Can only use rewards for stays at Hilton hotels
No free anniversary nights without spending $15,000
$95 annual fee
Hilton has more than 7,000 properties in 122 countries and territories. If Hilton is your go-to hotel chain when planning a stay away from home, and if you want to earn generous rewards on gas, dining, hotel stays and more, the Hilton Honors American Express Surpass® Card is a solid choice. Plus, if you spend $15,000 on eligible purchases in a calendar year, you can earn a free weekend night reward. Be aware there’s a $95 annual fee, so this might not be the right card for your wallet if you only travel occasionally. Also, you can only earn the elevated rewards rates at gas stations, restaurants and supermarkets located inside the U.S.
Earn 150,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership.
Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year (enrollment required).
$95 annual fee.
Terms Apply.
Welcome offer: Earn 150,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership
Rewards rate: Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio. Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations. Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Why we picked this card: The Hilton Honors American Express Surpass® Card earns a high rate of rewards for gas purchases in the form of Hilton Honors hotel points. If you’re a frequent Hilton traveler, you’ll enjoy earning travel rewards that you can turn into free nights.
Pros
Cons
Outstanding welcome bonus
Excellent rewards categories including gas, dining and groceries
Complimentary Hilton Gold elite status (enrollment required)
Can only use rewards for stays at Hilton hotels
No free anniversary nights without spending $15,000
$95 annual fee
Hilton has more than 7,000 properties in 122 countries and territories. If Hilton is your go-to hotel chain when planning a stay away from home, and if you want to earn generous rewards on gas, dining, hotel stays and more, the Hilton Honors American Express Surpass® Card is a solid choice. Plus, if you spend $15,000 on eligible purchases in a calendar year, you can earn a free weekend night reward. Be aware there’s a $95 annual fee, so this might not be the right card for your wallet if you only travel occasionally. Also, you can only earn the elevated rewards rates at gas stations, restaurants and supermarkets located inside the U.S.
Earn 150,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership.
Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year (enrollment required).
$95 annual fee.
Terms Apply.
The information related to the Hilton Honors™ Surpass® Card from American Express has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Sign-up bonus: Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
Rewards rate: Earn 3X points per $1 spent at restaurants, supermarkets, gas stations, air travel and hotels and 1X per $1 spent on all other purchases
Why we picked this card: The Citi Premier® Card is an outstanding travel rewards credit card that offers ThankYou points at gas stations, as well as air travel and hotel stays.
Pros
Cons
Outstanding welcome bonus
Flexibility in redeeming rewards
0% foreign transaction fees
Limited travel and consumer insurance or protections
No introductory 0% APR offers
$95 annual fee
The Citi Premier® Card is a great option for consumers that prefer to earn flexible travel rewards. With a wide array of bonus categories, savvy shoppers should have no problem accumulating a good stash of Citi ThankYou points to help pay for their next big trip.
Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
Earn 3 Points per $1 spent at Restaurants and Supermarkets
Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
Earn 1 Point per $1 spent on all other purchases
Annual Hotel Savings Benefit
60,000 ThankYou® Points are redeemable for $600 in gift cards when redeemed at thankyou.com
No expiration and no limit to the amount of points you can earn with this card
No Foreign Transaction Fees on purchases
Sign-up bonus: Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
Rewards rate: Earn 3X points per $1 spent at restaurants, supermarkets, gas stations, air travel and hotels and 1X per $1 spent on all other purchases
Why we picked this card: The Citi Premier® Card is an outstanding travel rewards credit card that offers ThankYou points at gas stations, as well as air travel and hotel stays.
Pros
Cons
Outstanding welcome bonus
Flexibility in redeeming rewards
0% foreign transaction fees
Limited travel and consumer insurance or protections
No introductory 0% APR offers
$95 annual fee
The Citi Premier® Card is a great option for consumers that prefer to earn flexible travel rewards. With a wide array of bonus categories, savvy shoppers should have no problem accumulating a good stash of Citi ThankYou points to help pay for their next big trip.
Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
Earn 3 Points per $1 spent at Restaurants and Supermarkets
Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
Earn 1 Point per $1 spent on all other purchases
Annual Hotel Savings Benefit
60,000 ThankYou® Points are redeemable for $600 in gift cards when redeemed at thankyou.com
No expiration and no limit to the amount of points you can earn with this card
Rewards rate: 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter, 3% on restaurants & travel, 2% at Costco & Costco.com, 1% on all other purchases
Why we picked this card: Buying gas at Costco does require a Costco membership (either $60 or $120 annually), but gas at Costco is often cheaper than surrounding stations. And if you’re filling up at Costco, you’ll want the Costco Visa.
Pros
Cons
Excellent earning categories on gas, restaurants and Costco purchases
0% foreign transaction fees
$0 annual fee
Requires a Costco membership
Highest cash back rate limited to the first $7,000 spent on gas per year
Can only redeem rewards once per year
This card is best for Costco members. While its annual fee is $0, you must have a Costco membership, which costs $60 or $120 a year depending on the membership type you choose. It’s also important to note that there are strict limitations on how you redeem your rewards earned with the Costco Anywhere Visa® Card by Citi. Costco cash rewards can only be redeemed for merchandise or cash back at Costco warehouses located in the U.S., including Puerto Rico. Plus, rewards are only distributed one time per year (after your February billing statement closes) and must be redeemed by Dec. 31 of the year they are issued.
Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
3% cash back on restaurants and eligible travel purchases
2% cash back on all other purchases from Costco and Costco.com
1% cash back on all other purchases
No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
Sign-up bonus:
Rewards rate: 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter, 3% on restaurants & travel, 2% at Costco & Costco.com, 1% on all other purchases
Why we picked this card: Buying gas at Costco does require a Costco membership (either $60 or $120 annually), but gas at Costco is often cheaper than surrounding stations. And if you’re filling up at Costco, you’ll want the Costco Visa.
Pros
Cons
Excellent earning categories on gas, restaurants and Costco purchases
0% foreign transaction fees
$0 annual fee
Requires a Costco membership
Highest cash back rate limited to the first $7,000 spent on gas per year
Can only redeem rewards once per year
This card is best for Costco members. While its annual fee is $0, you must have a Costco membership, which costs $60 or $120 a year depending on the membership type you choose. It’s also important to note that there are strict limitations on how you redeem your rewards earned with the Costco Anywhere Visa® Card by Citi. Costco cash rewards can only be redeemed for merchandise or cash back at Costco warehouses located in the U.S., including Puerto Rico. Plus, rewards are only distributed one time per year (after your February billing statement closes) and must be redeemed by Dec. 31 of the year they are issued.
Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
3% cash back on restaurants and eligible travel purchases
2% cash back on all other purchases from Costco and Costco.com
1% cash back on all other purchases
No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
The information related to the Costco Anywhere Visa® Card by Citi has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card Apply Now
on Bank Of America's secure site
Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
Earn 3% cash back in the category of your choice (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter) and 1% cash back on all other purchases
$0
0% Introductory APR on purchases for the first 9 billing cycles
16.74% - 26.74% Variable APR
N/A
16.74% - 26.74% Variable APR on balance transfers
Either $10 or 4% of the amount of each transaction, whichever is greater.
Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. Terms apply.
$0 intro annual fee for the first year, then $95.
0% on purchases for 12 months
18.74%-29.74% Variable
0% on balance transfers for 12 months
18.74%-29.74% Variable
Either $5 or 3% of the amount of each transfer, whichever is greater.
Get 30¢ off per gallon on bp and Amoco fuel purchases in the first 60 days after account opening.
Get 15¢ off per gallon on fuel purchases at participating bp and Amoco stations. Earn 5% cash back on non-fuel bp and Amoco purchases, 3% cash back on grocery store and dining purchases and 1% cash back on other purchases.
$0
N/A
29.99%
N/A
29.99%
0%
N/A
N/A
Review Coming Soon
PNC Cash Rewards® Visa®
Earn a $100 bonus after you make $1,000 or more in purchases during the first 3 billing cycles
4% cash back on gas station purchases, 3% on dining, 2% at grocery stores and 1% on all other purchases
$0
N/A
14.49% - 24.49% variable
0% introductory APR for the first 12 billing cycles
14.49% - 24.49% variable
Either $5 or 3% of the amount of each balance transfer, whichever is greater, for the first 90 days following account opening. After that, either $5 or 4% of the amount of each balance transfer, whichever is greater.
N/A
Excellent/Good
Review Coming Soon
Hilton Honors American Express Surpass
Earn 125,000 Hilton Honors Bonus Points after you spend $2,000 or more in purchases with your new Card within the first 3 months of Card Membership.
Earn 12X Hilton Honors Bonus Points per dollar at hotels or resorts within the Hilton Portfolio, 6X Hilton Honors Bonus points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations, 3X Hilton Honors Bonus points for all other purchases.
4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter, 3% on restaurants & travel, 2% at Costco & Costco.com, 1% on all other purchases
$0
N/A
19.99% (Variable)
N/A
19.99% (Variable)
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum
N/A
Excellent
Review Coming Soon
What is a gas card?
A gas card can mean a few different things, depending on the context. Some gas station brands offer gas cards that offer discounts on fuel purchases at their particular stations. These are generally referred to as gas discount cards. There are also traditional gas credit cards that are good anywhere the associated credit card processing network (Visa, Mastercard, etc.) are accepted. They may or may not be co-branded with a gas station brand and usually offer rewards on gas purchases.
Gas discount cards
A gas discount card is a gas card that is specific to one particular brand of gas station. These cards usually offer a discount on specific types of gasoline, and may only be good for purchases at that particular brand. A couple of examples of gas discount cards include the Exxon Mobil Smart Card+™ and the Shell | Fuel Rewards® Mastercard®.
The information related to Exxon Mobil Smart Card+™ and Shell | Fuel Rewards® Mastercard® has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.
Credit cards with gas rewards
If you are looking for a card that you can use for multiple types of purchases, you might opt instead for a credit card with gas rewards. These credit cards are usually issued by a major processing network such as Visa or Mastercard and good anywhere those networks are accepted. Rather than a discount, the card will offer points or cash back on your gas purchase.
Are gas credit cards worth it?
Using a credit card that offers discounts and rewards can often be worth it, compared to paying with a debit card or cash. You can earn rewards or discounts on your fuel purchases, plus most credit cards come with fraud protections that can protect you against theft and skimming at the pump. As long as you’re able to pay the charges off each month, a gas card is a good way to go.
Gas card pros and cons
Earn discounts or rewards on fuel purchases
Can sometimes stack with gas station rewards program
May offer sign-up bonus
Often more secure than paying with a debit card
Some gas cards may only be used at specific stations
Some gas cards may cap the total rewards you can receive
Gas stations sometimes charge a higher amount for using a credit card
Could put you in debt if you don’t pay it off each month
Gas discount cards vs. credit cards with cash rewards
Deciding whether a gas discount card will save you more than a credit card that pays cash rewards on gas purchases depends on the price of gas in your area. The lower the price of gas, the more likely that a discount card will offer more savings than a cash back card. The table below shows how a gas card with a 10 cent discount compares to a credit card with 3% cash back rewards on gas. In this specific scenario, $3.50/gallon and higher is the tipping point where the 3% cash back card is better than the 10 cent/gallon discount card.
Savings on 15 gallons of gas
Gas card with a 10 cent discount
Credit card with 3% cash back
$3 per gallon
$1.50
$1.35
$4 per gallon
$1.50
$1.80
$5 per gallon
$1.50
$2.25
How to choose a gas credit card
Figure which stations you use the most
The first thing that you’ll want to do is determine which gas stations you use the most. A co-branded gas card is a good choice for those who are brand loyal, while a general credit card is better for those who use many different brands. If you live in a rural area that only has one or two stations, you might be more brand loyal than if you live in a more populated area with more choice.
Calculate the amount you spend on gas, and amount of gallons you use
Next, you should estimate how much you spend on gas each month. This calculation will help you determine whether a discount card or a rewards card will be the better choice. Generally speaking, the more expensive the gas prices in your area, the more likely a gas rewards card will be a better choice.
Decide if you want to earn rewards in other categories
If you only want to carry one card, you may be better off with a gas rewards card. A card with multiple bonus categories will allow you to earn credit card rewards on all of your purchases, instead of only your gas purchases. A gas discount card can be a good option as a secondary card that is used only for gas.
Decide which type of rewards you prefer
There are many different options for credit card rewards — airline miles, hotel points, bank points and cash back are the main options. Another step towards choosing a gas credit card is deciding which of these rewards will be most useful to you.
Look at the other benefits on the card
Many rewards credit cards also offer other perks or benefits that you might find useful. A credit card that offers travel protection or primary rental car insurance might be something that would provide real value to you. As you compare different gas credit card options, finding one with valuable benefits can help you decide which card is right for you.
How to get a gas card
If you’re ready to get a gas card, here are a few steps to follow:
Decide which gas card is right for you
Go to the issuer’s website to find the credit card application
Enter in your information
You may be approved automatically, or you may have to provide additional information before the issuer can make a decision
How to use a credit card at the gas pump
Most gas stations now offer the ability to pay at the pump with an authorized debit or credit card. To use a credit card at the gas pump, insert your card when you pull up at the gas station. Some gas pumps still use the magnetic stripe to authorize your payment, but most have converted to using the EMV technology chip. Insert your chip card and leave it inserted into the pump until you’re told to remove your card. Then simply follow the prompts until you have completed your purchase.
While gas stations are a favorite spot for “skimming” (a type of credit card fraud that involves placing a device on top of a credit card machine to steal your card number), most gas stations offer protection against skimming. You should keep an eye out for a piece of anti-tampering tape around the credit card reader — if the tape is broken, the machine may have been tampered with. You should inform the gas station attendant. Fortunately, EMV chip readers also offer strong protection against this type of fraud.
Frequently asked questions
Yes, getting a gas credit card can help you build credit as long as you use it responsibly. Most credit card issuers report your account and payment history to the three major consumer credit bureaus: Equifax, Experian and TransUnion, which can positively impact your credit profile as long as you pay on time and keep your balance well below 30% of your credit limit.
The best gas credit cards are likely to require good to excellent credit, which is typically considered a FICO Score of 670 to 850. However, if you have a poor or fair credit score, a better choice might be a secured credit card, which will require a security deposit in the amount of your desired credit limit, but can help you rebuild a poor credit score through responsible usage. For example, the Discover it® Secured Credit Card offers 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically.
Nearly all gas stations take most major credit cards. This is especially true in urban and suburban areas. You may still find a rural gas station that doesn’t take credit cards — if that is the case, you’ll have to go into the building and pay with cash or another form of accepted payment.
Generally speaking, it’s as safe to use a credit card at the gas pump as it is to use a credit card anywhere. However, there is a known scam called credit card skimming which sometimes affects gas station pumps. Gas pump credit card skimming is when a criminal uses an unauthorized device attached to the gas pump to collect your credit card information. Be vigilant when using any gas pump and be on the lookout for anything that looks out of place.
Visa and Mastercard have different rules and also higher credit card processing fees for larger transactions. Because gas stations may not be reimbursed by Visa or Mastercard for fraudulent transactions above a certain amount, they may limit the total dollar amount for any gas purchases. The guidelines are different for in-store purchases, so if you want to make a gas purchase for more than the listed amount at the pump, you can go inside to pay at the register.
Methodology: How we chose the best gas credit cards
We selected the best gas cards through a review of cards available on LendingTree and from top issuers. The following factors influenced our top card picks:
Cash back rates or discounts: We looked for cards that were likely to save you the most at the pump.
Redemption options: How easy are the rewards to redeem, and how valuable are the redemption options?
Annual fee: If the card charges an annual fee, do the rewards outweigh it?
Sign-up bonuses: Does the card offer a large sign-up bonus?
Introductory and regular APRs: Does the card offer an 0% intro APR to help finance a big purchase or pay off a transferred balance? Is its regular APR reasonable?
Useful benefits such as cellphone protection and extended warranty protection influenced our choices as well.
To see rates & fees for Blue Cash Preferred® Card from American Express please click here.
Tracy Brackman
Expertise: Credit cards, credit scoring, personal finance
Education: Ohio State University, Florida International University
Tracy Brackman is a senior editor and credit card expert at LendingTree, where she writes and edits educational pieces on credit card-related topics and personal finance using her 12+ years of experience in the field.
Before joining LendingTree in 2019, Tracy worked as a products editor for CreditCards.com, where she developed the credit card products section and created content focused on breaking credit card news.
Prior to that, she worked as a product information manager for Bankrate, where she managed the financial and credit card product details and maintained compliance for two affiliate networks, as well as Bankrate-owned and operated sites.
She began working in the credit card space in 2009 as the editorial department manager for FlexOffers, an affiliate marketing company.
Tracy studied marketing at the Ohio State University and Florida International University.