The 9 best gas credit cards of 2020

Woman at a gas station filling up her card and wondering what are the best gas rewards credit cards Image: Woman at a gas station filling up her card and wondering what are the best gas rewards credit cards

In a Nutshell

Drivers could save a lot of money on gas with the right credit card. In this article, we’ll lay out the best gas cards for saving money, finding cheap gas, filling up at multiple gas stations, commuting to work, taking a road trip, and driving for Uber or Lyft.

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If you drive to work every day or have a road trip coming up, you could save money at the pump with a gas credit card.

Here’s our list of the 9 best gas credit cards for 2020.



Best for long-term gas savings: ExxonMobil™ Smart Card

Here’s why: The ExxonMobil™ Smart Card has an introductory discount of 50 cents per gallon at U.S. Exxon and Mobil stations during the first two months after opening the account.

To qualify, you must download and apply for the card through the Exxon Mobil Rewards+ app. If you don’t feel like downloading the app, you’ll still get 12 cents off per gallon for the first two months after opening the account.

Once the two-month promotion ends, your discount will be cut to 6 cents per gallon at Exxon and Mobil locations in the U.S., which is pretty good if you’re a regular at your local ExxonMobil station.

There’s no annual fee.

Learn more in our review of the ExxonMobil™ Smart Card.

Best for buying cheap gas: Costco Anywhere Visa® Card by Citi

From our partner

Costco Anywhere Visa® Card by Citi

From cardholders in the last year

See Details, Rates & Fees

Here’s why: Costco sells some of the cheapest gas in the U.S., according to GasBuddy.

If you want to earn some cash back while saving with that sweet, cheap gas, the Costco Anywhere Visa® Card by Citi offers 4% cash back on eligible gas purchases on up to the first $7,000 you spend each year. After that, you’ll earn a standard 1% cash back on gas. You’ll also get 3% cash back on restaurant and eligible travel purchases, 2% back on all other purchases from Costco and costco.com, and 1% on all other purchases.

The Costco Anywhere Visa® Card by Citi doesn’t charge an annual fee, but the catch is you must be a Costco member to qualify. Membership costs a minimum of $60 per year.

Check out our review of the Costco Anywhere Visa® Card by Citi to learn more.

Best for filling your tank at most gas stations: Sam’s Club® Mastercard®

Here’s why: When you pay with your Sam’s Club® Mastercard®, you’ll earn 5% cash back on up to the first $6,000 you spend each year at many gas stations across the U.S.

That’s an awfully nice discount, especially considering that it applies to both Sam’s Club and non-Sam’s Club gas stations. The only exception to the 5% cash back offer is when you fill up at a gas station outside of the U.S. and Puerto Rico, or one that’s owned by a competing wholesale club, supercenter or supermarket (like Costco).

The flexibility will allow you to shop for the cheapest gas station in your neighborhood instead of being stuck to one brand — which is especially helpful if you don’t live near a Sam’s Club.

You’ll also earn a $55 statement credit if you make a purchase of at least $55 on the same day you open the card.

There’s no annual fee, but you have to be a Sam’s Club member to get the card. A basic Sam’s Club membership costs $45.

Our review of the Sam’s Club® Mastercard® breaks down who this card is good for.

Best for commuters: Citi Premier℠ Card

Here’s why: The Citi Premier℠ Card provides versatility commuters can appreciate.

You’ll earn three points for every $1 you spend on purchases for gas, parking and tolls.

But Citi recognizes there are other ways to get to work. When you don’t feel like driving, you’ll earn just as many points for taking public transit, rideshares (like Uber or Lyft), cable cars, ferries, airplanes, rental cars, or even less conventional transportation like “bicycle taxis” and “horse-drawn cabs and carriages.”

You’ll also earn 60,000 bonus points after spending $4,000 on purchases during the first three months after opening your account.

The Citi Premier℠ Card comes with a $95 annual fee, which is waived the first year of card membership.

Learn more in our review of the Citi Premier℠ Card.

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

Here’s why: The Hilton Honors American Express Surpass® Card is the perfect credit card for road trips.

When you fill up, you’ll earn six points for every $1 you spend at U.S. gas stations. When you get tired and need to pull off the road, find a Hilton hotel — you’ll earn 12 points per $1 spent on purchases there. You can use those points to pay for future hotel stays.

You’ll also earn 125,000 bonus points after spending $2,000 on purchases during the first 3 months after opening the card.

The Hilton Honors American Express Surpass® Card comes with a $95 annual fee.

Now you have another reason to pull off the road and get some shut-eye.

Check out our roundup of Hilton credit cards to learn more about the Hilton Honors American Express Surpass® Card.

Best for Uber and Lyft drivers: Ink Business Preferred® Credit Card

From our partner

Ink Business Preferred® Credit Card

From cardholders in the last year

Here’s why: Because Uber and Lyft drivers are self-employed, they might qualify for small-business credit cards like the Ink Business Preferred® Credit Card. The same goes for other people who participate in the sharing economy with another company.

The Ink Business Preferred® Credit Card provides generous rewards for small-business owners. You’ll earn 100,000 points after spending $15,000 during the first 3 months after opening the account.

We know rideshare drivers use their phone for directions, so you’ll appreciate earning three points for every $1 on the first $150,000 you spend on combined purchases for things like phone services and internet. You’ll also receive up to $600 worth of cellphone insurance, if you pay your phone bill with the card.

Unfortunately, the card doesn’t offer three points per $1 on gas purchases, but the one point per $1 you receive is still something.

The Ink Business Preferred® Credit Card comes with a $95 annual fee.

Here’s what you should know about the Ink Business Preferred® Credit Card.

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 purchases at U.S. gas stations and on transit (including taxis/rideshares, parking, tolls, trains, buses and more). You also get a whopping 6% cash back on up to $6,000 that you spend each year at U.S. supermarkets and 6% cash back on select U.S. streaming subscriptions. Plus, you can earn 1% cash back on all other purchases.

You’ll also earn a $250 statement credit if you spend $1,000 on purchases during the first 3 months after opening the account.

The Blue Cash Preferred® Card from American Express has a $95 annual fee.

Learn who the Blue Cash Preferred® Card from American Express is good for in our review.

Best for going out with friends: Wells Fargo Propel American Express® card

Here’s why: The Wells Fargo Propel American Express® card is a great payment option when you’re hanging out with your friends.

You’ll receive three points for every $1 you spend on purchases at gas stations, restaurants and bars. If you need a ride home because you’ve been drinking, you’ll earn the same number of points for taking public transit or using rideshare services, like Uber and Lyft.

Don’t worry about leaving your car in the parking lot overnight, because you’ll earn three points per $1 when you pay for a parking lot or garage downtown.

You’ll also earn 20,000 bonus points if you spend $1,000 on purchases during the first 3 months after the account opens. If you redeem those 20,000 bonus points for cash, the sign-up bonus is worth $200.

The Wells Fargo Propel American Express® card doesn’t charge an annual fee.

Check out our review of the Wells Fargo Propel American Express® card to learn more.

Best for annual fee: Bank of America® Cash Rewards credit card

From our partner

Here’s why: There’s no point saving money on gas if you’re turning around and using those savings to pay an annual fee.

With the Bank of America® Cash Rewards credit card, you’ll earn cash back on all your purchases, all with a $0 annual fee. This card is interesting because you can choose what category you get 3% cash back on each month. Those categories include gas, online shopping, dining, travel, drugstores or home improvement/furnishing.

You’ll get 3% cash back on purchases in the category of your choice (probably gas, since you’re reading this review!), 2% on groceries and 1% on all other purchases. One thing to note: The 2% and 3% cash back categories are capped at a total of $2,500 in purchases each quarter. After you spend $2,500, you’ll get 1% cash back on all purchases.

You’ll also earn a $200 online cash rewards bonus if you spend $1,000 on purchases during the first 90 days after opening the account.

Our review of the Bank of America® Cash Rewards credit card does a deeper dive into your options with this card.


Methodology

The best gas credit cards can all help you save money. But whether a card is a good choice or not for you ultimately depends on how you use your card and where you spend your money.

Do you commute to work? Are you planning a road trip? Maybe you drive for Uber or Lyft. Are you loyal to one particular gas station, or would you benefit from a gas credit card you can use anywhere?

Ask yourself these questions when you’re deciding on the best gas credit card for you.

How do gas credit cards work?


There are two types of credit cards that could be considered gas credit cards. One type is issued by gas stations, and the other is a more general rewards card that offers bonus rewards for gas purchases.

Both types offer you rewards when you use the card at the pump, but it can matter which card you’re using and where.

The gas station-branded credit cards often offer a gallon-based discount. This is effectively a rebate that may be applied as a statement credit, depending on the card.

On the other hand, many of the traditional rewards credit cards that include gas as one of the bonus categories can earn cash back or rewards as a percentage of the whole price you pay for gas. These more-general credit cards may also offer cash back or rewards in categories other than gas as well.

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 spend on gas. Truckers or Uber and Lyft drivers might want to consider a gas credit card — but even if you just have a long commute, it could be worth it for you.

Think about your lifestyle and what makes the most sense for you — do you drive a ton and visit the same gas stations over and over? If you don’t spend a lot on gas, or if the gas credit card you’re considering doesn’t offer you rewards for the specific gas stations you typically visit, it’s worth considering where you do already spend money. Maybe you spend a lot at restaurants, in which case a dining rewards card would make more sense.

Do gas credit cards help you build credit?


Like most credit cards, a gas credit card can help you build credit as long as you meet a couple of criteria.

First, it’s important to pay your statement balance in full by the due date. Paying your bills on time can help you build or maintain a positive payment history, which is one of the many factors that determine your credit scores. And paying the full statement balance if it’s possible can also help keep your utilization rate low. Your utilization rate — or the percent of your available credit that you’re using at any given time — is another factor that can impact your credit.

Second, does the card issuer report your account activity to the three major consumer credit bureaus? If not, your positive payment history and low utilization rate won’t be able to help your credit. Which bureau the issuer reports to, or whether it reports at all, can vary, so we recommend checking with the issuer before you apply for a card.