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If you’re interested in a gas rewards credit card, you probably want to earn points towards free gas, and perhaps other travel expenses as well. The best gas credit cards offer flexibility (i.e., you can earn them at any gas station), whether you’re on a long road trip or close to home.
Evaluate the best gas credit cards based on rate of return and spending caps. Choosing a card that offers the best combination of these two factors can make the best gas credit cards even better.
Generally, most gas credit cards limit the amount of earnings you can use towards redemption. Considering that the average driver consumes about 700 gallons annually, as gas prices rise it’s easy to see why lower caps on earnings equal a less effective rewards card.
Rate of return is important as well. Most travel rewards cards have an earnings rate of somewhere around 2%, but the best gas credit cards tend to be significantly higher. It’s common to find gas cards offering 3-5% in rewards, which can really add up and help to counter-act those pesky earnings caps.
As always, you should only consider travel rewards credit cards that offer points at places you already patronize, and on products/services you already buy. Even the best gas credit cards are not worth having if you need to change your spending habits to make them effective.
It’s important to note that rewards credit cards are not meant to hold a balance. Whether the interest rate is relatively high or low, carrying a balance will usually negate any benefits you’re receiving, even with the best gas credit cards.
The best gas credit cards offer reward points towards future gas purchases each time you use your card. The best gas credit cards may save you money on fuel and more at participating retailers. Research and analyze the best gas credit cards below, then apply for the card that suits your needs.
Compare Gas Reward Credit Cards
Chase Freedom® Visa Credit Card - $200 Bonus Cash Back
Credit Card Features
- Earn $200 Bonus Cash Back after you make $500 in purchases in your first 3 months
- 5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12.
- You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
- Unlimited 1% Cash Back on all other purchases
- Up to an additional 10% Cash Back when you shop online at select merchants through Chase
- No annual fee and rewards never expire
Customer Rating
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| N/A | Either $5.00 or 3% of the amount of each transfer, whichever is greater. | 15.99% - 22.99% Variable | $0 | Excellent - Good |
Discover® More Credit Card - 18 Month Promotional Balance Transfer
Credit Card Features
- 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- $0 Fraud Liability plus automatic mobile and email fraud alert options
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
Customer Rating
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| 0% | 3% of the amount of each transfer, with the 0% introductory APR balance transfer offer described above; otherwise, either $10 or 5% of the amount of each transfer, whichever is greater. | 10.99% - 20.99% (V)* | $0 | Excellent - Good |
Blue Cash Everyday(SM) Card from American Express
Credit Card Features
- Earn a $100 cash back bonus after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
- 0% intro APR on purchases for 12 months, flexibility to pay over time
- Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases
- NO spend minimum, NO enrollment, and NO rotating rewards categories
- Get a $25 Referral Bonus for each friend or family member who is approved for the Card
- No annual fee, flexibility to pay over time
Customer Rating
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| 0% | Either $5 or 3% of the amount of each transfer, whichever is greater. | 17.24%-22.24% Variable | $0 | Excellent - Good |
SimplyCash® Business Card from American Express OPEN
Credit Card Features
- Get 5% cash back on wireless services and office supply purchases*
- Get 3% cash back on automobile gasoline*
- Get 1% cash back on other purchases*
- No limit to the amount of cash back you can earn
- Cash back on purchases is automatically credited to your statement each month
- Save 3% to 10% automatically on business expenses from FedEx, Hertz®, OfficeMax®, and more with OPEN Savings®
- No annual membership fee
Customer Rating
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| 0% | No | 12.24% – 19.24% Variable | $0 | Excellent - Good |
TrueEarnings(R) Card from Costco and American Express
Credit Card Features
- American Express(R) Card and Costco Membership Card in one - with no annual fee for Costco members
- Cash back on the things you buy: 3% for the first $3,000 in annual gasoline purchases (1% thereafter), 2% for restaurants, 2% for travel, and 1% everywhere else, including Costco
- Rated 4.5 out of 5 stars in overall satisfaction by current TrueEarnings(R) Cardmembers from Costco and American Express
Customer Rating
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| 0% | No | 15.24% variable | No Annual Fee with your paid Costco Membership | Excellent - Good |
Citi® Dividend Platinum Select® Card for College Students
Credit Card Features
- No Cosigner Required
- Earn 5% Cash Back on purchases at supermarkets, drugstores, gas stations, convenience stores & utilities (including cable) for 6 months; 1% thereafter*
- Earn at least 2% cash back in popular rotating categories like restaurants, apparel, hotel and more. Enrollment required*
- Earn a full 1% cash back on all other purchases*
Customer Rating
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| 0% | 4% of each balance transfer; $10 minimum. | 13.99% - 21.99%* (Variable) | $0* | Excellent - Good |
Citi ThankYou℠ Preferred Card - $100 Gift Card
Credit Card Features
- $100 gift card - When you redeem the 10,000 bonus ThankYou® Points received after $500 in purchases within 3 months of account opening.
- 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-22.99% based on creditworthiness*
- 5 ThankYou Points for every $1 you spend on purchases at gas stations, supermarkets and drugstores for 12 months and 1 point for every $1 you spend thereafter**
- No expiration and no limit on the points you can earn
- Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
- No annual fee*
Customer Rating
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| 0% | 3% of each balance transfer; $5 minimum. | 12.99% - 22.99%* (Variable) | $0* | Excellent - Good |
Travel Credit Cards | Hotel Credit Cards | Airline Credit Card | Best Gas Credit Cards | Cashback Credit Cards
By clicking on any gas credit card application link, you will be directed to that credit card issuer’s website. Their website contains a full listing of the terms and conditions that govern their gas rewards credit cards. It is important to review these terms and conditions, because while every attempt is made to present complete and accurate information here, the claims made on this page are for promotional purposes only. Any and all details, rules, and offers listed on the issuer’s website supersede claims made here.
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