Hear from our editors: The 7 best gas credit cards of October 2026
Updated October 14, 2026
This date may not reflect recent changes in individual terms.
Editorial Note: Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse our editorial content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.
Written by: Tim Devaney
Edited by: Liza Carrasquillo, Editor, Credit Cards
Whether you’re planning a cross-country road trip or just want to save a little extra when driving around town, a gas credit card could make a great addition to your wallet. Here are our picks for the best gas credit cards that help you save money at the pump — or, in some cases, the charging station.
- Best for rewards variety: Wells Fargo Autograph® Card
- Best for gas and groceries: Blue Cash Preferred® Card from American Express
- Best for no annual fee: Bank of America® Customized Cash Rewards credit card
- Best for general travel: Chase Sapphire Preferred® Card
- Best for road trips: Hilton Honors American Express Surpass® Card
- Best for Costco members: Costco Anywhere Visa® Card by Citi
- Best for Sam’s Club members: Sam’s Club® Mastercard®
Best gas card for rewards variety: Wells Fargo Autograph® Card
Here’s why: The Wells Fargo Autograph® Card offers a robust number of rewards categories, including one for gas stations and electric vehicle charging stations.
- 3 points per $1 spent at gas stations and EV charging stations
- 3 points per $1 spent at restaurants
- 3 points per $1 spent on travel and transit
- 3 points per $1 spent on popular streaming services and phone plans
- 1 point for every $1 you spend on all other purchases
Wells Fargo lets you redeem your points for eligible past purchases, travel, gifts cards and cash back.
Plus, there’s a $0 annual fee, making it easier to maximize your rewards value.
Learn more about the Wells Fargo Autograph® Card.
Best gas card for gas and groceries: Blue Cash Preferred® Card from American Express
Here’s why: The Blue Cash Preferred® Card from American Express could save you money at both pumps and grocery stores. Here’s what you earn.
- 3% cash back on U.S. gas station purchases
- 3% cash back on eligible transit, including taxis/rideshares, parking, tolls, trains and buses
- 6% cash back on up to $6,000 spent each year at U.S. supermarkets (then 1%)
- 6% cash back on select U.S. streaming subscriptions
- 1% cash back on all other eligible purchases
The Blue Cash Preferred® Card from American Express has a $0 intro annual fee for the first year, then $95.
Read more about the Blue Cash Preferred® Card from American Express.
Best gas card for no annual fee: Bank of America® Customized Cash Rewards credit card
Here’s why: The Bank of America® Customized Cash Rewards credit card has a $0 annual fee and allows you to choose from several rewards categories, including gas and EV charging stations. In the category you choose, you’ll earn 3% cash back. You can also earn …
- 2% on grocery store and wholesale club purchases
- 1% on all other purchases
The 2% and 3% cash back categories are capped at a combined $2,500 in purchases each quarter. After you spend $2,500, you’ll get 1% cash back on all purchases. For the first year of card ownership, you’ll earn an additional 3% cash back on the category of your choice, bringing your total to 6% cash back.
Learn more about the Bank of America® Customized Cash Rewards credit card.
Best gas card for general travel: Chase Sapphire Preferred® Card
Here’s why: The Chase Sapphire Preferred® Card is an excellent mid-tier travel card that rewards well on gas and EV charging station purchases. You’ll earn Chase Ultimate Rewards® points, a valuable rewards currency if you plan to redeem your points for travel.
With this card, you can get 3 points per $1 spent on gas and EV charging station purchases. You can also earn …
- 5 points per $1 on Chase Travel purchases
- 3 points per $1 on dining, select streaming services and eligible online grocery store purchases
- 3 points per $1 spent points on vacation home rentals with select popular services like AirBNB and Vrbo
- 2 points per $1 on other travel purchases
- 1 point per $1 on all other purchases
Note that these rewards come at a cost — the card has a $95 annual fee. Read more about the Chase Sapphire Preferred® Card.
Best gas card for road trips: Hilton Honors American Express Surpass® Card
Here’s why: The Hilton Honors American Express Surpass® Card is an excellent credit card for road trips if you enjoy staying at Hilton-affiliated hotels.
You’ll earn six points for every $1 you spend at U.S. gas stations, and when you get tired and need to pull off the road, you’ll earn 12 points per $1 spent on purchases at a Hilton hotel. You can also earn …
- 6 points per $1 spent on dining and takeout at U.S. restaurants
- 6 points per $1 on groceries at U.S. supermarkets
- 4 points per $1 spent points on U.S. online retail purchases
- 3 points per $1 spent on all other eligible purchases
The Hilton Honors American Express Surpass® Card comes with a $150 annual fee.
Learn more about the Hilton Honors American Express Surpass® Card.
Best gas card for Costco members: Costco Anywhere Visa® Card by Citi
Here’s why: The Costco Anywhere Visa® Card by Citi offers terrific value for people who already have a Costco membership. Here’s what you’ll earn.
- 5% cash back on gas purchased at Costco and 4% back on other eligible gas and electric vehicle charging purchases on up to the first $7,000 in combined spending each year (after that, 1% cash back)
- 3% on restaurant and eligible travel purchases
- 2% on all other purchases from Costco and costco.com
- 1% on all other purchases
If you maxed out the $7,000 spending limit at Costco gas stations only, you’d earn $350 in cash back a year, excluding any other purchases you made with the card.
The Costco Anywhere Visa® Card by Citi has a $0 annual fee, but you must be a Costco member to qualify. If you’re not a member, consider whether you’ll earn enough in rewards to offset that cost.
Learn more about the Costco Anywhere Visa® Card by Citi.
Best gas card for Sam’s Club members: Sam’s Club® Mastercard®
Here’s why: The Sam’s Club® Mastercard® is a great gas card for people who shop at Walmart and Sam’s Club often. With this card, you can earn …
- 5% back in Sam’s Cash™ on up to the first $6,000 you spend each year (1% after that) at gas stations across the U.S. (including both Sam’s Club and non-Sam’s Club stations)
- 3% back on dining and takeout
- 1% back on all other purchases, including purchases at Sam’s Club (Sam’s Club Plus members earn 3% back on Sam’s Club purchases)
You can earn up to $5,000 in Sam’s Cash per calendar year.
There’s no annual fee, but you have to be a Sam’s Club member to get the card.
Learn more about the Sam’s Club® Mastercard®.
How we picked the best gas credit cards
We identified the best gas credit cards by singling out the highest available rewards rates offered every time you visit the pump. Once we settled on a core list of cards, we considered what kinds of people would benefit most from each card to settle on our unique categories. In some cases, we chose not to pick cards that offer high gas rewards rates but with limited rewards redemption options. For instance, a card with a high gas rewards rate but no ability to redeem points for cash back does not have a clear audience in our eyes.
FAQs about gas credit cards: Editors’ answers
How do gas credit cards work?
There are two types of credit cards that could be considered gas credit cards:
Cards issued by gas stations: These gas station-branded cards often offer a gallon-based discount. This is effectively a rebate that may be applied as a statement credit, depending on the card.
General rewards cards with gas station purchase bonuses: These are more traditional rewards credit cards that include gas as one of the bonus categories in which you can earn cash back or rewards. Your earnings are based on how much you spend on gas. These credit cards may also offer cash back or rewards in categories other than gas.
Each card issuer has its own rules for gas rewards, so pay attention to the fine print.
Is a gas credit card worth it?
Whether a gas credit card is worth it depends on how much you drive. Truckers, rideshare drivers and those with long commutes might want to consider a gas credit card — especially one with a higher rewards rate.
If you don’t spend a lot on gas, it might make sense to get another type of rewards card that includes gas stations as a smaller rewards category.
Do gas credit cards help you build credit?
Yes, a gas credit card can help you build credit as long as certain criteria are met. First, the card issuer must report your credit activity to the three major credit bureaus. Most major issuers do, but you can always call the company to confirm before applying. Next, you’ll need to pay your gas credit card bill on time every month. This will help you build a positive payment history, which is generally the most important factor that determines your credit scores.
Paying your statement balance in full by the due date can help you avoid interest charges and keep your credit utilization rate low. Your utilization rate — or the percent of your available credit you’re using at any given time — is another factor that affects your credit. Keeping it under 30% is generally better for your scores.
