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This offer is no longer available on our site: Hilton Honors Ascend Card from American Express
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 best credit cards for gas.
- Best for long-term gas savings: BP Visa® Credit Card
- Best introductory gas discount: ExxonMobil™ Smart Card
- Best for buying cheap gas: Costco Anywhere Visa® Card by Citi
- Best for filling up your tank at most gas stations: Sam’s Club® Mastercard®
- Best for commuters: Citi Premier℠ Card
- Best for road trips: Hilton Honors Ascend Card from American Express
- Best for Uber and Lyft drivers: Ink Business Preferred℠ Credit Card
- Best for driving to the grocery store: Blue Cash Preferred® Card from American Express
- Best for going out with friends: Wells Fargo Propel American Express® Card
- Best for annual fee: Bank of America® Cash Rewards credit card
Here’s why: The BP Visa® Credit Card features an introductory discount of 25 cents per gallon for every $100 you spend on your card anywhere except non-BP gas stations during the first 90 days after opening the account. The discount is limited to no more than 20 gallons per fill.
After the promotion ends, you’ll still receive a discount of 25 cents per gallon for every $100 spent at BP gas stations, 15 cents per gallon on every $100 spent on eligible grocery, dining and travel purchases, and 5 cents per gallon for every $100 spent on all other purchases (with the exception of purchases made at non-BP gas stations).
Plus, there’s no annual fee.
That makes the BP Visa® Credit Card the best credit card for long-term savings on gas.
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 Speedpass+ app. That’s way better than BP’s introductory promo of 25 cents per gallon for every $100 spent on any purchases (excluding non-BP gas stations) during the first 90 days after opening the account.
But 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. That’s not bad, but it’s also not good enough to beat the BP Visa® Credit Card in the long run. With that in mind, we like the ExxonMobil™ Smart Card better for people who anticipate driving more than usual over the next couple months.
There’s no annual fee.
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 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.
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 is 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 $45 statement credit if you make a purchase of at least $45 on the same day you open the card.
There is 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.
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 50,000 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.
From our partner
Here’s why: The Hilton Honors Ascend Card from American Express 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 Ascend Card from American Express comes with a $95 annual fee.
Now you have another reason to pull off the road and get some shut-eye.
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 80,000 points after spending $5,000 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 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, a whopping 6% cash back on up to $6,000 that you spend each year at U.S. supermarkets, and 1% cash back on all other purchases. After that, you’ll still get 1% cash back on groceries. The only thing left is for you to find a grocery store with a nearby gas station.
You’ll also earn a $200 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.
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.
For a limited time, you’ll also be able to cash in on a sign-up bonus that’s worth $500: You’ll earn 30,000 bonus points if you spend $3,000 on purchases during the first 3 months after the account opens. Then you can earn an additional 20,000 bonus points after spending a total of $15,000 on purchases in your first year. If you redeem those total 50,000 bonus points for cash, the sign-up bonus is worth $500.
The Wells Fargo Propel American Express® Card doesn’t charge an annual fee.
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 $150 online cash rewards bonus if you spend $500 on purchases during the first 3 days after opening the account.
How we picked these cards
We searched far and wide for the best credit cards for gas.
We started by putting ourselves in your shoes (cars) to figure out how we could help you save the most money. It all depends on how you use your car. 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?
The answers to these questions led us to the best credit cards for gas.
How to make the most of your gas credit card
It’s important to understand how the gas discounts are applied to make sure you’re comparing apples to apples.
The gas station-branded credit cards typically offer a gallon-based discount, while many of the traditional credit cards mentioned in this article discount a percentage of the whole price you pay.
Additionally, some of the more general credit cards offer cash back or rewards in categories other than gas. 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? Or maybe you spend a lot at grocery stores or eating out. Answering these questions will help you make a good choice.
Once you’ve picked a card that fits your spending patterns, make sure to use the card as much as possible to rack up the rewards.