If you don’t regularly rely on public transportation, it’s likely you’ve recently filled your gas tank. Whether your bill was just a few dollars or soared into the triple digits, if you didn’t use a specialized gas credit card, you could be missing out on valuable rewards.
At Flying Frugal, we’re focused on getting the most out of your spending, whether that’s optimizing bonus categories on cash-back cards or transferring points for significant transfer bonuses.
In my household, my partner is a daily commuter with a round-trip drive of 76 miles to work. That mileage adds up quickly, which is why I added him as an authorized user on my Costco Anywhere Visa® Card by Citi (see rates and fees).
Among my various cards, the Costco Anywhere Visa boasts the best gas rewards—5% cash back on gas purchased at Costco and 4% cash back on other eligible gas and electric vehicle charging purchases for the first $7,000 combined annually, dropping to 1% thereafter. Given these rates, using this card for gas purchases is an obvious choice.
In fact, my February 2025 Costco rewards certificate (reflecting my spending in 2024) totaled $226.73, largely due to spending on groceries and gas, both at Costco and at other stations.
Whether you’re a frequent traveler, an occasional driver, or anywhere between, here’s why you should consider having a gas credit card—plus our recommendations for the best options on the market.
Top Gas Credit Cards
*Information for the Wyndham Rewards Earner Business Card, the Wyndham Rewards Earner Plus Card, and the U.S. Bank Altitude Connect Visa Signature Card has been independently collected by The Points Guy. Details on this page have not been reviewed or provided by the card issuers.
Comparing the Best Gas Credit Cards
Here are Flying Frugal’s top picks for the best gas credit cards.
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| Card | Best for | Welcome Offer | Earning Rates | Annual Fee |
|---|---|---|---|---|
| Blue Cash Preferred Card from American Express | Families | Earn $250 in statement credit after spending $3,000 on eligible purchases in the first six months. |
Cash back is in the form of Reward Dollars redeemable as a statement credit or at Amazon.com. |
$0 annual fee first year, then $95 (see rates and fees). |
| Bank of America Customized Cash Rewards Credit Card | Customizable Spending | Earn a $200 online cash rewards bonus after spending $1,000 within the first 90 days. |
|
$0. |
| Capital One Quicksilver Cash Rewards Credit Card | Straightforward Cash Back | Earn a $200 cash bonus after spending $500 on purchases in the first three months. |
|
$0. |
| Costco Anywhere Visa Card by Citi | Costco Shoppers | None |
|
$0 (Costco membership required). |
| Chase Freedom Flex | Rotating Categories | Earn a $200 bonus after spending $500 in the first three months. |
|
$0. |
| Chase Sapphire Preferred Card | Beginners | Earn 60,000 points after spending $4,000 in the first three months. |
|
$95. |
| Chase Freedom Unlimited | Flexible Cash Rewards | Earn a $250 bonus after spending $500 in the first three months. |
|
$0. |
| Wyndham Rewards Earner Business Card | Business Owners Loyal to Wyndham | Earn up to 75,000 bonus points: 50,000 points after spending $4,000 and paying the annual fee within 90 days, plus 25,000 points after $12,000 within a year. |
|
$95. |
| Wyndham Rewards Earner Plus Card | Frequent Wyndham Guests | Earn 45,000 bonus points after spending $1,000 in the first 90 days. |
|
$75. |
| U.S. Bank Altitude Connect Visa Signature Card | No-Annual-Fee Travel | Earn 20,000 bonus points after spending $1,000 on net purchases in the first 90 days. |
|
$0. |
Blue Cash Preferred Card from American Express
Welcome Offer: Earn $250 cash back after spending $3,000 on eligible purchases within the first six months. Cash back is in the form of Reward Dollars redeemable as a statement credit or at Amazon.com.
Annual Fee: $0 intro annual fee for the first year, then $95 (see rates and fees).
Key Benefits: The Blue Cash Preferred serves as an excellent entry-level card for those new to credit card rewards. With simple earning structures and redeeming options, it also benefits seasoned veterans looking to optimize spending across categories.
I’ve held this card for over 11 years, consistently earning back hundreds of dollars in rewards that more than offset the fees. While I may not frequently shop on Amazon, I redeem my Reward Dollars for online purchases when I do.
Typically, I prefer to redeem my cash back for statement credits, which help reduce my overall spending on this card. Last May, I spent approximately $300 on a private karaoke room in Manhattan for a birthday—thanks to my earned cashback, over half was covered.
This card is ideal for those who favor cash back over other reward currencies, though its redemption options are limited compared to cards allowing funds to be transferred to bank accounts or checks.
Despite transitioning to other cards focusing on travel points, I retain my Blue Cash Preferred for two primary reasons:
- A monthly Disney Bundle statement credit up to $7 (totaling $84 annually, subject to auto-renewal; enrollment required).
- A cash-back rate of 3% on transit expenses such as metered parking, which helps alleviate the cost.
Before I began using the Costco Anywhere Visa as my primary gas card, Blue Cash Preferred was my top choice because of its 3% cash back at U.S. gas stations.
The stellar 6% cash back on U.S. supermarket spending (up to $6,000 yearly, then 1%) has secured Blue Cash Preferred a consistent spot in my wallet for over a decade.
For more details, check our full review of the Amex Blue Cash Preferred.
Apply Here: Blue Cash Preferred
Bank of America Customized Cash Rewards Credit Card
Welcome Offer: Earn a $200 online cash rewards bonus after spending $1,000 on purchases within the first 90 days.
Annual Fee: $0.
Key Benefits: The Bank of America Customized Cash card has no annual fee, allowing you to maintain it year after year without added costs. Each month, you can select a category to earn 3% cash back from options such as:
- Gas and EV charging stations
- Online shopping (including cable, streaming, internet, and phone service)
- Dining
- Travel
- Drugstores
- Home improvement/furnishing
Cardholders earn an additional 2% cash back at grocery stores and wholesale clubs (with the previous cap of $2,500 across combined choice category/grocery store purchases per quarter). After reaching this cap, purchases yield 1% cash back.
This card is ideal for those looking for flexibility in their spending categories—especially if they vary from month to month.
If you’re already a Bank of America customer, you might also qualify for the Bank of America Preferred Rewards® Program, which offers cash back bonuses from 25% to 75% with different tiers.
For instance, at the Gold tier (25% bonus), you earn 3.75% cash back on gas purchases instead of 3%. Members at the Platinum tier enjoy a 50% bonus, resulting in 4.5%, while Platinum Honors, Diamond, and Diamond Honors members receive a 75% bonus for a total of 5.25% cash back.
For more details, check our full review of the Bank of America Customized Cash Rewards card.
Apply Here: Bank of America Customized Cash Rewards
Capital One Quicksilver Cash Rewards Credit Card
Welcome Offer: Get a $200 cash bonus after spending $500 on purchases in the first three months.
Annual Fee: $0.
Key Benefits: The Capital One Quicksilver Cash Rewards credit card is an excellent option for cash-back enthusiasts who travel occasionally while navigating the credit card rewards landscape.
Though it doesn’t provide elevated rewards on gas purchases, it offers unlimited 1.5% cash back on everything. If you prefer not to track specific spending categories and seek a flat-rate earner, the Quicksilver Cash Rewards may suit you well.
This card also unlocks options in Capital One Travel, where you can earn an impressive 5% cash back on hotel stays and rental cars booked through the platform. Additionally, there’s no foreign transaction fee, advantageous for a no-annual-fee card.
With no minimum redemption limit, you can redeem your cash back via a statement credit, check, gift card, or use it for Amazon or PayPal purchases.
Learn More: Capital One Quicksilver Cash Rewards Review
Costco Anywhere Visa Card by Citi
Welcome Offer: None.
Annual Fee: $0 (a Costco membership is required).
Key Benefits: Costco aficionados will greatly benefit from holding the Costco Anywhere Visa, costing nothing thanks to its lack of an annual fee (see rates and fees). Cardholders earn excellent cash back rewards on gas, including 5% at Costco and 4% on eligible gas purchases and EV charging (up to $7,000 combined yearly, dropping to 1% after that). This card is especially advantageous for households that use both gas and electric vehicles.
Additionally, cardholders enjoy substantial cash-back rates in other significant categories, such as 3% on restaurants and eligible travel purchases, where those rates can be stacked with the 2% rebate Executive members earn on their premium memberships—for a combined 5% cash back on travel. While the additional rates apply to Costco purchases, they do not cover gas, yet you still benefit from 4% to 5% on fueling up your vehicle.
Despite my satisfaction with the value and ease of use of the Costco Anywhere Visa, earning rewards just once a year through a rewards certificate may turn some away, especially if they prefer a rolling rewards system. Fortunately, alternative cards are available that allow for faster rewards access.
For more information, read our full review of the Costco Anywhere Visa.
Apply Here: Costco Anywhere Visa
Chase Freedom Flex
Welcome Offer: Earn a $200 bonus after spending $500 on purchases within the first three months.
Annual Fee: $0.
Key Benefits: Chase Freedom Flex stands out as a leading cash-back card, providing ample rewards across significant spending categories: 5% cash back in rotating bonus categories (up to $1,500 combined quarterly, activation required) and a base rate of 1% on all other purchases not fitting the bonus categories.
Gas has been a rotating category annually, providing opportunities for 5% back on gas expenses for three months each year. Every time you fill up, you’re always collecting rewards. The card also offers impressive perks, such as cellphone protection, shopping protections, and trip cancellation insurance, all without an annual fee.
You can leverage your rewards further by pairing this card with others that earn Chase Ultimate Rewards points, such as the Chase Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred, converting cash back into more valuable point currency.
For further details, refer to our full review of the Chase Freedom Flex.
Apply Here: Chase Freedom Flex
Chase Sapphire Preferred Card
Welcome Offer: Earn 60,000 points after spending $4,000 in the first three months.
Annual Fee: $95.
Key Benefits: The Sapphire Preferred is a favorite for its travel protections and strong earning rates in popular categories. While gas is not a bonus category per se, cardholders earn 1 point per dollar spent at the pump. This may seem modest, but every point carries significant value since Chase has numerous airline and hotel transfer partners, often providing excellent transfer bonuses.
This versatile card earns generous rewards across various categories, especially for travel expenses, where users can earn 5 points per dollar on travel booked through Chase Travel, along with an up to $50 hotel statement credit for reservations made on the same portal.
Cardholders earn 3 points on dining, select streaming services, and groceries while earning 2 points on other travel purchases. There are no foreign transaction fees, making Sapphire Preferred a remarkable travel companion.
For additional insights, check our full review of the Chase Sapphire Preferred.
Apply Here: Chase Sapphire Preferred
Chase Freedom Unlimited
Welcome Offer: Earn a $250 bonus after spending $500 on purchases within the first three months.
Annual Fee: $0.
Key Benefits: Chase Freedom Unlimited allows cardholders to earn at least 1.5% cash back across all purchases outside of designated bonus categories.
If you select this card as your primary gas rewards choice, you will also benefit from:
- 5% cash back on travel booked through Chase Travel.
- 3% on drugstore purchases.
- 3% for dining at restaurants (including takeout and eligible delivery services).
This straightforward cash-back rate ensures you earn 1.5% back every time you fuel up, and with no annual fee, it’s a guaranteed win for your wallet each year with responsible use.
This card effectively complements both novice and experienced cardholders by covering gaps in their earning strategies.
Like the Freedom Flex, Chase Freedom Unlimited cardholders can transfer cash rewards into Chase Ultimate Rewards points if they also hold another Chase card.
For further information, read our complete review of the Chase Freedom Unlimited.
Apply Here: Chase Freedom Unlimited
Wyndham Rewards Earner Business Card
Welcome Offer: Earn up to 75,000 bonus points: 50,000 points after spending $4,000 and paying the annual fee in full within 90 days; another 25,000 points after spending $12,000 within a year.
Annual Fee: $95.
Key Benefits: This card stands out for small business owners loyal to Wyndham, as it offers 8 points per dollar on Wyndham hotels and gas purchases, plus a 15,000-point bonus each year upon renewal.
Cardholders also earn 5 points for dollar spent on marketing, advertising, and utilities, and 1 point per dollar on all other purchases (excluding Wyndham Timeshare resort down payments).
With perks like automatic Diamond elite status—providing suite upgrades and check-in amenities—and complimentary employee cards for easier expense management, this card is perfect for the traveler, as it has no foreign transaction fees.
Notes: Information for the Wyndham Rewards Earner Business Card was independently gathered by The Points Guy and has not been reviewed or provided by the card issuer.
Related: A guide to choosing the right small business credit card strategy
Learn More: Wyndham Rewards Earner Business Card Review
Wyndham Rewards Earner Plus Card
Welcome Offer: Earn 45,000 bonus points after spending $1,000 in the first 90 days.
Annual Fee: $75.
Key Benefits: The Wyndham Rewards Earner Plus card, priced at a lower annual fee of $75 compared to its business counterpart, still boasts numerous advantages.
Frequent guests at Wyndham properties earn 6 points per dollar spent on hotel bookings and gas purchases, marking this card as a valuable option for gas rewards.
It also offers automatic Platinum elite status and provides 7,500 bonus points each year upon renewal.
The information for the Wyndham Rewards Earner Plus Card has been collected independently by The Points Guy and has not been reviewed or provided by the card issuer.
Learn more: Wyndham Rewards Earner Plus Card Review
U.S. Bank Altitude Connect Visa Signature Card
Welcome Offer: Get 20,000 bonus points after spending $1,000 on net purchases within the first 90 days.
Annual Fee: $0.
Key Benefits: The no-annual-fee Altitude Connect Visa provides excellent earning potential and perks tailored to travelers, commuters, and foodies alike:
- 5 points per dollar on prepaid hotels and car rentals booked directly with U.S. Bank.
- 4 points per dollar at gas stations and EV charging stations (first $1,000 each quarter; does not include discount stores, supercenters, or wholesale clubs).
- 4 points per dollar on travel purchases made directly with airlines, hotels, and car rentals.
- 2 points per dollar on dining, streaming services, and grocery purchases (excluding discount stores and supercenters).
Cardholders can also qualify for statement credits up to $100 for TSA PreCheck or Global Entry applications (every four years) and complimentary Priority Pass memberships allowing four visits to worldwide lounges per year.
While there are card options with more valuable reward currencies, if these bonus categories align with your spending habits, the Altitude Connect Visa is a formidable choice.
Information for the U.S. Bank Altitude Connect Visa Signature Card was collected independently by The Points Guy and has not been reviewed or provided by the card issuer.
Learn More: U.S. Bank Altitude Connect Visa Signature Card Review
Things to Consider When Choosing a Gas Card
There are numerous options available when selecting a gas credit card, and we’ve done the heavy lifting for you. Whether you prefer a cash-back issuer or a travel rewards card, our comprehensive list includes options that cater to your needs. Here are a few additional factors to consider before applying.
Preferred Rewards
For those interested in transferable credit card points and a versatile product that earns rewards across multiple categories, the Chase Sapphire Preferred is a phenomenal option. Cash-back advocates may prefer the Amex Blue Cash Preferred or Capital One Quicksilver Cash Rewards cards.
If you’re relatively new to credit card rewards, a cash-back card may offer an easier introduction to earning and redeeming currencies. However, if you’re eager to acquire valuable points for transfer to partner programs, a card such as the Chase Sapphire Preferred—with a generous welcome bonus and solid transfer partners like World of Hyatt, Air Canada Aeroplan, and Virgin Atlantic Flying Club—might be more suitable. It’s essential to choose the card that aligns best with your financial habits and needs.
Related: Discover Chase Ultimate Rewards transfer partners
Welcome Bonus
Welcome bonuses provide an excellent opportunity to earn a substantial cache of cash back, points, or miles depending on the card. When considering a gas-focused credit card, evaluate whether the welcome bonus holds significant value alongside the card’s main reward categories.
For instance, acquiring the Costco Anywhere Visa made sense for me, as I already held a Costco membership and sought to optimize my rewards potential across my key spending categories.
Spending Habits
The optimal reward strategy should coincide with your primary spending categories—in my case, gas, groceries, travel, dining, and streaming. I structure my wallet around cards that effectively cover these bases. When selecting your gas credit card, consider which options can maximize your earnings not just on fuel but across other significant categories as well.
Annual Fee
Annual fees can vary widely, from $0 to high amounts. Whether you want to incur an annual fee or prefer to have options with no fees, our top picks for gas cards provide solutions that fit every budget.
How We Chose the Best Gas Credit Cards
Our selection of the best gas credit cards reflects our intention to recommend various products suitable for diverse budgets and spending preferences.
We focused on choosing adaptable cards with rewards applicable to popular categories like streaming, groceries, and transit, alongside cards from different issuers featuring valuable perks like purchase protection and trip delay insurance. For a more detailed understanding of our selection process, view our methodology here.
Redemption Options for Gas Credit Cards
While most gas cards on this list offer cash back, the Chase Sapphire Preferred allows users to earn valuable Ultimate Rewards points transferable to various airline and hotel partners.
The best gas credit card is one that helps you accumulate a robust reward currency while catering to your specific needs.
Final Thoughts
If you drive a gas-powered vehicle or require charging for an electric vehicle, a gas credit card is a necessity. Otherwise, you risk missing out, especially considering the variety of flexible options available that earn elevated rates in this category.
If you hold a Costco membership, consider the Costco Anywhere Visa. For a no-annual-fee card, the Bank of America Customized Cash Rewards is an excellent choice. Alternatively, if you’re ready to pay a modest annual fee and frequently purchase groceries alongside gas, the Amex Blue Cash Preferred is a great consideration. Once you determine the rewards you wish to pursue and your most frequent spending categories, narrowing down your options becomes much easier.
For rates and fees of the Amex Blue Cash Preferred, click here.
Related: The best no-foreign-transaction-fee credit cards
