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September 28, 2021
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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® |
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
When choosing a gas rewards credit card, ask yourself the following questions:
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.
The above offers and/or promotions may have since changed, expired, or is no longer available. Check the Issuers’ website for more details.
