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Best Gas Credit Cards of October 2021

*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 September 28, 2021 . Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

To help offset the cost of fuel, you may want to consider a credit card that offers rewards or discounts on gas purchases. Even better is a gas rewards card that also offers points, miles or cash back in other categories, such as groceries, dining and transit. Whether you have a long commute or you’re planning a road trip, the right card can make your drive a little cheaper. Based on our research of cards available through LendingTree, as well as the top cards offered by major issuers, here are our picks for the best gas credit cards for the following categories:

Best Gas Credit Cards of October 2021
Best gas credit card for everyday purchases Blue Cash Preferred® Card from American Express
Best gas credit card for hotel stays Hilton Honors American Express Surpass® Card
Best gas credit card for Costco members Costco Anywhere Visa® Business Card by Citi
Best gas credit card if you have a military connection USAA® Cashback Rewards Plus American Express® Card
Best gas credit card for Exxon and Mobil stations ExxonMobil™ Smart Card
Best gas credit card for Shell stations Shell | Fuel Rewards® Mastercard®

Best For Everyday purchases

Blue Cash Preferred<sup>®</sup> Card from American Express

Blue Cash Preferred® Card from American Express

Apply Now
on American Express's secure site
Terms Apply
Introductory APR 0% on purchases for 12 months
Annual Fee $0 introductory annual fee for the first year, then $95
Regular Purchase APR 13.99%-23.99% Variable

The Blue Cash Preferred® Card from American Express offers a generous cashback rate in several everyday categories, including gas purchases. Cardholders earn 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. Cash back can be redeemed as a statement credit. Additionally, cardholders can earn $300 back after you spend $3,000 in purchases on your new card within the first 6 months.

The Blue Cash Preferred® Card from American Express is best for consumers who spend a lot on groceries, gas and the card’s other cashback categories and are willing to pay a $0 introductory 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 (after year one). There is a yearly spending cap of $6,000 on supermarket purchases, after which your rate for such purchases drops to 1%. However, if you max that out, you’ll earn $265 in cash back after subtracting the annual fee, and that’s not even considering what you earn on categories such as gas and transit.

To see rates & fees for the Blue Cash Preferred® Card from American Express please click here.

  • Car rental loss and damage insurance.
  • Global Assist Hotline when traveling more than 100 miles from home.
  • Return protection (up to $300 per item and $1,000 per year).
  • Free two-day shipping on eligible items with ShopRunner when you sign up.

The Blue Cash Preferred® Card from American Express offers a generous cashback rate in several everyday categories, including gas purchases. Cardholders earn 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. Cash back can be redeemed as a statement credit. Additionally, cardholders can earn $300 back after you spend $3,000 in purchases on your new card within the first 6 months.

The Blue Cash Preferred® Card from American Express is best for consumers who spend a lot on groceries, gas and the card’s other cashback categories and are willing to pay a $0 introductory 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 (after year one). There is a yearly spending cap of $6,000 on supermarket purchases, after which your rate for such purchases drops to 1%. However, if you max that out, you’ll earn $265 in cash back after subtracting the annual fee, and that’s not even considering what you earn on categories such as gas and transit.

To see rates & fees for the Blue Cash Preferred® Card from American Express please click here.

  • Car rental loss and damage insurance.
  • Global Assist Hotline when traveling more than 100 miles from home.
  • Return protection (up to $300 per item and $1,000 per year).
  • Free two-day shipping on eligible items with ShopRunner when you sign up.

Best For Hotel stays

Hilton Honors American Express Surpass® Card

Highlights
  • Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Hilton Honors American Express Surpass Card in the first 3 months of Card Membership.
  • Plus, you can earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $10,000 in purchases on the Card in the first 6 months.
  • 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.
  • $95 annual fee.
  • Terms Apply.

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. Plus, there’s an opportunity to earn a generous welcome offer. 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Hilton Honors American Express Surpass Card in the first 3 months of Card Membership. Plus, you can earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $10,000 in purchases on the Card in the first 6 months.

Hilton has more than 6,400 properties in 119 countries. 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.

  • 10 free visits each year to Priority Pass™ Select airport lounges (once enrolled).
  • Complimentary Hilton Honors Gold status.
  • Get Hilton Honors Diamond status through the next calendar year after $40,000 on eligible purchases.
  • Car rental loss and damage insurance (provides secondary coverage).
  • Global Assist Hotline when traveling more than 100 miles from home.

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. Plus, there’s an opportunity to earn a generous welcome offer. 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Hilton Honors American Express Surpass Card in the first 3 months of Card Membership. Plus, you can earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $10,000 in purchases on the Card in the first 6 months.

Hilton has more than 6,400 properties in 119 countries. 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.

  • 10 free visits each year to Priority Pass™ Select airport lounges (once enrolled).
  • Complimentary Hilton Honors Gold status.
  • Get Hilton Honors Diamond status through the next calendar year after $40,000 on eligible purchases.
  • Car rental loss and damage insurance (provides secondary coverage).
  • Global Assist Hotline when traveling more than 100 miles from home.
The information related to the Hilton Honors American Express Surpass® Card 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 Costco members

Costco Anywhere Visa® Card by Citi

Highlights
  • Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
  • 4% cash back on eligible gas 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 standard variable APR for Citi Flex Plan is 15.24%. Citi Flex Plan offers are made available at Citi's discretion.

The Costco Anywhere Visa® Card by Citi offers 4% cash back on eligible gas 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. Cardholders can earn the elevated rewards rate at gas stations worldwide; however, gas purchased at superstores, supermarkets, convenience stores and warehouse clubs other than Costco will earn the 1% cashback rate. If you max out the $7,000 spend threshold, that’s $280 back each year on gas alone.

 

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.

  • Extended warranty.
  • Damage and theft purchase protection.
  • Worldwide car rental insurance.
  • Special access to tickets for concerts, sporting events, and more with Citi Entertainment.
  • Foreign transaction fee: 0%.

The Costco Anywhere Visa® Card by Citi offers 4% cash back on eligible gas 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. Cardholders can earn the elevated rewards rate at gas stations worldwide; however, gas purchased at superstores, supermarkets, convenience stores and warehouse clubs other than Costco will earn the 1% cashback rate. If you max out the $7,000 spend threshold, that’s $280 back each year on gas alone.

 

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.

  • Extended warranty.
  • Damage and theft purchase protection.
  • Worldwide car rental insurance.
  • Special access to tickets for concerts, sporting events, and more with Citi Entertainment.
  • Foreign transaction fee: 0%.
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.

Best For Those with a military connection

USAA® Cashback Rewards Plus American Express® Card

Highlights
  • Earn 5% cash back on your first $3,000 in gas and military base purchases annually on these categories combined
  • Earn 2% on your first $3,000 on supermarket purchases per year
  • Unlimited 1% cash back on all other purchases
  • USAA membership is available to active and former military and their eligible family members

Earn 5% cash back on your first $3,000 in gas and military base purchases annually on these categories combined. Earn 2% on your first $3,000 on supermarket purchases per year. Unlimited 1% cash back on all other purchases. Plus, the APR range is 11.90% - 25.90% variable. The lower end of that range is quite reasonable. We never recommend carrying a balance, but if you find it unavoidable once in a while, a card with a low APR can help you save money on interest charges.

It’s hard to beat 5% back on gas with a $0 annual fee. If you max out the $3,000 yearly spending cap on gas and military base purchases, that’s $150 in cash back. So if you need a card that earns generous cash back on gas with no annual fee, and you’re eligible to join USAA,  the USAA® Cashback Rewards Plus American Express® Card is a good card for fueling up. USAA membership is open to U.S. military members and veterans, precommissioned officers, and spouses and children of military members and veterans.

  • Auto rental coverage.
  • Travel accident insurance.
  • Trip cancellation and interruption coverage.
  • Baggage delay and reimbursement.

Earn 5% cash back on your first $3,000 in gas and military base purchases annually on these categories combined. Earn 2% on your first $3,000 on supermarket purchases per year. Unlimited 1% cash back on all other purchases. Plus, the APR range is 11.90% - 25.90% variable. The lower end of that range is quite reasonable. We never recommend carrying a balance, but if you find it unavoidable once in a while, a card with a low APR can help you save money on interest charges.

It’s hard to beat 5% back on gas with a $0 annual fee. If you max out the $3,000 yearly spending cap on gas and military base purchases, that’s $150 in cash back. So if you need a card that earns generous cash back on gas with no annual fee, and you’re eligible to join USAA,  the USAA® Cashback Rewards Plus American Express® Card is a good card for fueling up. USAA membership is open to U.S. military members and veterans, precommissioned officers, and spouses and children of military members and veterans.

  • Auto rental coverage.
  • Travel accident insurance.
  • Trip cancellation and interruption coverage.
  • Baggage delay and reimbursement.
The information related to the USAA® Cashback Rewards Plus American Express® Card 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 ExxonMobil customers

ExxonMobil™ Smart Card

Highlights
  • Get 6¢ off* every gallon, every day with the ExxonMobil Smart Card.
  • There's no minimum purchase or savings cap.
  • Automatically receive rebates as a statement credit on your billing statement.
  • More than fuel - Buy fuel, food & supplies at more than 11,000 Exxon™ or Mobil™ stations.
  • Additional cards at no cost
  • ATM cash access - At 200,000+ Cirrus ATMs. Cash advance fees apply.
  • Citi® Identity Theft Solutions - Specialized assistance if you become a victim of ID theft.
  • $0 Fraud Liability - Feel secure with $0 liability on unauthorized charges.

Get 30 cents off every gallon of fuel for the first 2 months after account open date. Get 6 cents off every gallon, every day at more than 11,000 Exxon™ and Mobil™ stations. Plus, the annual fee is $0, so you don’t have to pay just to carry the card. But make sure to pay the card in full every billing cycle, because the APR is steep at 26.49%. And you should know that this is a store-branded card, so you won’t be able to use it outside of Exxon and Mobil gas stations. If you’re looking for a general-use card that rewards you for gas purchases, the Blue Cash Preferred® Card from American Express or the USAA® Cashback Rewards Plus American Express® Card might be a better option.

If you regularly fill up at Exxon or Mobil gas stations, you can receive savings at the pump with the ExxonMobil™ Smart Card. Plus, in addition to gas purchases, you can use the ExxonMobil™ Smart Card to buy snacks, beverages and other items inside of ExxonMobil™ convenience stores. Just know, the discounts only apply to fuel purchases.

  • Use your card through the Exxon Mobil Rewards+™ app to make contactless payments.
  • Track fuel costs with a monthly itemization for each card and/or person on your account.

Get 30 cents off every gallon of fuel for the first 2 months after account open date. Get 6 cents off every gallon, every day at more than 11,000 Exxon™ and Mobil™ stations. Plus, the annual fee is $0, so you don’t have to pay just to carry the card. But make sure to pay the card in full every billing cycle, because the APR is steep at 26.49%. And you should know that this is a store-branded card, so you won’t be able to use it outside of Exxon and Mobil gas stations. If you’re looking for a general-use card that rewards you for gas purchases, the Blue Cash Preferred® Card from American Express or the USAA® Cashback Rewards Plus American Express® Card might be a better option.

If you regularly fill up at Exxon or Mobil gas stations, you can receive savings at the pump with the ExxonMobil™ Smart Card. Plus, in addition to gas purchases, you can use the ExxonMobil™ Smart Card to buy snacks, beverages and other items inside of ExxonMobil™ convenience stores. Just know, the discounts only apply to fuel purchases.

  • Use your card through the Exxon Mobil Rewards+™ app to make contactless payments.
  • Track fuel costs with a monthly itemization for each card and/or person on your account.
The information related to the ExxonMobil™ Smart Card 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 Shell customers

Shell | Fuel Rewards® Mastercard®

Highlights
  • Save 10¢ per gallon when you fill up at Shell gas stations.
  • $0 annual fee
  • 26.49% variable APR

Save 30 cents per gallon up to 20 gallons, on your first five Shell fuel purchases, then 10 cents per gallon (on up to 20 gallons each time) thereafter. And, save 10 cents per gallon on up to 20 gallons of gas. Plus, earn 10% in Shell rebates on your first $1,200 in non-fuel purchases per year, 2% in Shell rebates on dining and grocery store purchases each year (up to $10,000 in combined spending per year) and 1% in Shell rebates on all other purchases Discounts will be applied instantly at the pump at participating Shell locations. The annual fee for the Shell | Fuel Rewards® Mastercard® is $0. The APR is 26.49% variable, so make sure to pay your bill in full and don’t carry a balance, otherwise you could be hit with expensive interest charges. Since this is a Mastercard, you can use it anywhere Mastercard is accepted. There’s also a store-branded version you’ll be considered for if you don’t qualify for the Mastercard.

If you frequent Shell gas stations, and you’re looking for a no-annual-fee card offering a straightforward discount every time you fill your tank, the Shell | Fuel Rewards® Mastercard® could be a good fit.

  • Get 10% Shell rebates on your first $1,200 of Shell non-fuel purchases per year.

Save 30 cents per gallon up to 20 gallons, on your first five Shell fuel purchases, then 10 cents per gallon (on up to 20 gallons each time) thereafter. And, save 10 cents per gallon on up to 20 gallons of gas. Plus, earn 10% in Shell rebates on your first $1,200 in non-fuel purchases per year, 2% in Shell rebates on dining and grocery store purchases each year (up to $10,000 in combined spending per year) and 1% in Shell rebates on all other purchases Discounts will be applied instantly at the pump at participating Shell locations. The annual fee for the Shell | Fuel Rewards® Mastercard® is $0. The APR is 26.49% variable, so make sure to pay your bill in full and don’t carry a balance, otherwise you could be hit with expensive interest charges. Since this is a Mastercard, you can use it anywhere Mastercard is accepted. There’s also a store-branded version you’ll be considered for if you don’t qualify for the Mastercard.

If you frequent Shell gas stations, and you’re looking for a no-annual-fee card offering a straightforward discount every time you fill your tank, the Shell | Fuel Rewards® Mastercard® could be a good fit.

  • Get 10% Shell rebates on your first $1,200 of Shell non-fuel purchases per year.
The information related to the Shell | Fuel Rewards® Mastercard® has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Choosing the right gas credit card for you

When choosing a gas rewards credit card, ask yourself the following questions:

  • Do you usually fuel up at one gas station chain or different ones?
  • Are you willing to pay an annual fee?
  • What additional categories would you like to earn rewards in?
  • Does the card you’re applying for offer a good sign-up bonus?

 

Doing your research ahead of time is important, especially if you’re considering a card that charges an annual fee. By answering the questions above, you’ll be able to identify which card on this list is best for your spending habits.

To see rates & fees for the Blue Cash Preferred® Card from American Express please click here.

Tracy Brackman

Tracy joined LendingTree in June 2019 as a senior writer. She began working in the credit card space in 2009 as the editorial department manager for FlexOffers, an affiliate marketing company. She went on to work as product information manager for Bankrate, where she managed the financial and credit card product details for two affiliate networks, as well as Bankrate owned and operated sites. Prior to joining LendingTree, Tracy worked as products editor for CreditCards.com, where she developed the credit card products section and created content focused on breaking credit card news.

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The above offers and/or promotions may have since changed, expired, or is no longer available. Check the Issuers’ website for more details.