7 best gas credit cards

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This offer is no longer available on our site: Citi Custom Cash® Card

Best for gas rewards with no annual fee: Bank of America® Customized Cash Rewards credit card

Here’s why: The Bank of America® Customized Cash Rewards credit card allows you to choose what category you get 3% cash back on each month. Eligible categories include gas, online shopping, dining, travel, drugstores and home improvement. You’ll get …

3% cash back on purchases in the category of your choice
2% on grocery store and wholesale club purchases
1% on all other purchases

It’s important to note that the 3% and 2% cash back categories are capped at a total of $2,500 in combined purchases each quarter. After you spend $2,500, you’ll get 1% cash back on all additional purchases.

During your first year with the card, you’ll get a bonus 3% cash back on top of the existing 3% cash back category that you’ve chosen, for a total of 6% (the $2,500 spending cap applies to this bonus as well). The card charges a $0 annual fee.

From our partner

Offer Terms
Annual Fee	Intro Purchase APR	Intro Balance Transfer APR	Regular Purchase APR	Regular Balance Transfer APR
$0	0% Intro APR for 15 billing cycles for purchases	0% for 15 Billing Cycles for qualifying balance transfers	17.49% – 27.49% Variable APR on purchases	17.49% – 27.49% Variable APR on balance transfers

Offer Terms
Annual Fee
$0
Intro Purchase APR
0% Intro APR for 15 billing cycles for purchases
Intro Balance Transfer APR
0% for 15 Billing Cycles for qualifying balance transfers
Regular Purchase APR
17.49% – 27.49% Variable APR on purchases
Regular Balance Transfer APR
17.49% – 27.49% Variable APR on balance transfers

Additional Rates and Fees

Cash Advance Rate	See Terms*
Cash Advance Fee	See Terms*
Late Fee	See Terms*
Penalty APR	Up to 29.99% APR
Balance Transfer Fee	3% for 60 days from account opening, then 5%
Foreign Transaction Fee	3%
Return Payment Fee	See Terms*

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
No annual fee and cash rewards don’t expire as long as your account remains open.
Select your card design option when you apply – the Customized Cash Rewards design, or the limited-time FIFA World Cup 2026™ design.
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% – 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

^*See the online provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the provider's website.

See details, rates & fees

Best for rewards variety: Wells Fargo Autograph® Card

Here’s why: The Wells Fargo Autograph® Card offers 3 points for every $1 you spend in several useful bonus categories, including at gas stations and electric vehicle charging stations.

In addition to fuel, you’ll also earn 3 points per $1 spent on restaurants, travel, transit, popular streaming services and phone plans. All other purchases earn 1 point per $1. There’s a $0 annual fee to help maximize your rewards value.

See if you have an offer for the Wells Fargo Autograph® Card on Credit Karma.

Best 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 at the pump — and when you’re checking out at the grocery store. You’ll earn …

3% cash back on eligible U.S. gas station purchases and on transit (including rideshare, parking, tolls, trains, buses and more)
6% cash back on up to $6,000 in eligible purchases each year at U.S. supermarkets
6% cash back on select U.S. streaming subscriptions
1% cash back on all other purchases

The Blue Cash Preferred® Card from American Express has a $0 intro annual fee for the first year, then $95.

See if you have an offer for the Blue Cash Preferred® Card from American Express on Credit Karma (you must be logged in to see this offer).

Best for big gas expenses: Citi Custom Cash® Card

Here’s why: The Citi Custom Cash® Card gives you 5% cash back automatically on up to $500 spent each month in your highest eligible spending category (then 1%). In addition to gas stations, eligible categories include restaurants, grocery stores, home improvement stores and select travel.

If fuel is your top spending category, you could get up to $25 in cash back every month. The Citi Custom Cash® Card has a $0 annual fee.

Best for road trips: Hilton Honors American Express Surpass® Card

Here’s why: The Hilton Honors American Express Surpass® Card is great for road trips. When you fill up, you’ll earn 6 points for every $1 you spend at U.S. gas stations. For overnight stays, find a Hilton hotel — you’ll earn 12 points per $1 spent on purchases there.

Purchases outside of bonus categories earn 3 points per $1 spent. You can use the points you earn to help pay for future Hilton stays. This card has an annual fee: $150. So consider whether you’ll get enough value from the card before applying.

See if you have an offer for the Hilton Honors American Express Surpass® Card on Credit Karma (you must be logged in to see this offer).

Best for Costco members: Costco Anywhere Visa® Card by Citi

Here’s why: The Costco Anywhere Visa® Card by Citi offers great value for Costco members. You get …

5% cash back on gas at Costco
4% cash back on other eligible gas and electric vehicle charging purchases
3% cash back at restaurants
3% cash back on eligible travel purchases
2% back on all other purchases from Costco and costco.com
1% on everything else

It’s important to note that cash back on gas and EV charging purchases is capped at $7,000 per year (after which you earn 1%). Annual fee for the card is $0.

From our partner

Offer Terms
Annual Fee	Intro Purchase APR	Intro Balance Transfer APR	Regular Purchase APR	Regular Balance Transfer APR
$0	N/A	N/A	18.74% – 26.74%* Variable	18.74% – 26.74%* Variable

Offer Terms
Annual Fee
$0
Intro Purchase APR
N/A
Intro Balance Transfer APR
N/A
Regular Purchase APR
18.74% – 26.74%* Variable
Regular Balance Transfer APR
18.74% – 26.74%* Variable

Additional Rates and Fees

Cash Advance Rate	28.74%* Variable
Cash Advance Fee	5%, Min: $10
Late Fee	See Terms*
Penalty APR	Up to 29.99% Variable
Balance Transfer Fee	Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Foreign Transaction Fee	0%
Return Payment Fee	Up to $41

Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
Earn 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter.
3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel.
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
Rates and fees

See details, rates & fees

Best for Sam’s Club members: Sam’s Club Mastercard®

Here’s why: When you pay with your Sam’s Club Mastercard®, you’ll earn 5% cash back on gas at gas stations across the U.S. This applies to both Sam’s Club and non-Sam’s Club locations, and is limited to the first $6,000 you spend on gas each year (1% cash back after). There’s no annual fee for the card, but you must be a Sam’s Club member to get it.

About the author: David Heiling is an editorial lead at Intuit Credit Karma specializing in auto insurance and auto loans. He’s worked at Credit Karma since 2022. He strives to make financial fitness accessible and relatable to people … Read more.