Finding the right credit card to maximize rewards at the gas pump can fuel your savings throughout the year. From cards offering high cashback or extra points for travel, there are a lot of options.
For most people, I recommend the no-annual fee Citi Custom Cash, which is a good card if you only use it at gas stations to earn 5% cash back in your top category (1% in other categories).
I put all of my gas station purchases on my Citi Premier® Card since it earns 3x points at gas stations, which I value more than 5% cash back.
The highest rewards at gas stations is the American Express® Business Gold Card (review), but it has a high annual fee.
1. Citi Custom Cash℠ Card
5% Back in Your Top Category
- 5% Cash Back on Purchases in Your Top Eligible Spend Category Each Billing Cycle up to $500 (1% after that)
- 0% Intro APR for 15 Months on Purchases and Balance Transfers ($5 or 5% fee). After that, .
- No Annual Fee
The Citi Custom Cash℠ Card offers a unique rewards structure that automatically earns 5x points in your highest spending category each billing cycle, up to $500 in purchases. You'll maximize your rewards with this flexible no-annual-fee card that adapts to your spending habits across ten useful bonus categories including restaurants, travel, groceries, and gas stations.
Welcome Bonus:
Earn Rewards: 5% cash back for your top category each billing cycle up to $500 in the following categories: restaurants, gas stations, grocery stores, select travel (airlines, hotels, cruise lines and travel agencies), select transit (car rentals, parking, EV charging, tolls, etc.), select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment.; 1% cash back on all other eligible purchases.
Card Benefits: Access to Citi Entertainment, contactless payment, a free check of your FICO credit score, and 0% intro APR for 15 months on purchases and balance transfer, after that, a APR applies.
2. American Express® Business Gold Card
4x Points in Top 2 Categories (including Gas)
The American Express® Business Gold Card (review) offers tailored rewards, earning 4x points in your top two spending categories each billing cycle from a list of six options (capped at $150,000 in combined purchases each calendar year). With up to $845 in annual statement credits and valuable redemption options through Membership Rewards transfer partners, this card can be a powerful earning tool for many businesses.
Welcome Bonus: You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Earning Points: 4x points in your top two categories each billing cycle up to $150,000 in combined purchases at 4x points (then 1x points) in the following purchase categories: US gas stations, US restaurants, US advertising in select media, transit and rideshare, monthly US wireless telephone services charges made directly with wireless service provider, U.S. purchases made from electronic goods retailers and software & cloud system providers; 3x points on flights and prepaid hotels booked via AmexTravel.com or the Amex Travel App™; and 1x points on all other eligible purchases.
Card Benefits: Up to $20 monthly credit upon enrollment when you use your card for eligible U.S. purchases at FedEx (through 10/01/2026), Grubhub, and Office Supply Stores; Walmart+ credit, ChatGPT Business credit, Squarespace credit, no present spending limit, trip delay insurance, baggage insurance plan, secondary rental car insurance, purchase protection, and extended warranty.
Transfer Partners: Aer Lingus, AeroMexico (1:1.6), Air Canada Aeroplan, ANA, Avianca LifeMiles, British Airways, Cathay Pacific (5:4), Choice Privileges, Delta, Emirates (5:4), Air France–KLM Flying Blue, Hilton (1:2), Iberia, JetBlue (1:0.8), Marriott, Qantas, Qatar Airways, Singapore KrisFlyer, and Virgin Atlantic.
3. Citi Strata Premier® Card
3x ThankYou Points at Gas Stations
- 60,000 bonus points after spending $4,000 in the first 3 months of account opening.
- 3x Points for Flights, Hotels, Gas Stations, EV Charging, Supermarkets, and Restaurants. hotels, gas stations, EV charging, supermarkets, and restaurants.
- $100 Annual Hotel Credit
- $95 Annual Fee
The Citi Strata Premier℠ Card stands out for its impressive 3x points earning on everyday purchases including restaurants, supermarkets, gas stations, and travel. While its redemption options might not match competitors like Chase or Amex, you'll still get solid value through airline transfer partners and travel bookings.
Welcome Bonus: 60,000 bonus points after spending $4,000 in the first 3 months of account opening.
Earning Points: 10x points on hotels, car rentals, and attractions booked through the Citi Travel portal; 3x points on airfare, hotels, gas stations, EV charging, supermarkets, and restaurants.
Card Benefits: $100 annual hotel credit on bookings of $500+ through the Citi travel portal, no foreign transaction fees, trip delay insurance, trip cancellation and interruption insurance, lost luggage reimbursement, secondary rental car insurance, and Mastercard World Elite benefits.
4. Wyndham Rewards® Earner℠ Business Card
8x Points at Gas Stations
- Earn up to 100,000 bonus points (45,000 bonus points after spending $3,000 on purchases in the first 90 days plus 55,000 bonus points after spending $500 at Hotels by Wyndham in the first 180 days).
- 8x Points at Wyndham Hotels and Gas Stations
- 5x Points on Marketing, Advertising, and Utilities
- Wyndham Diamond Elite Status
- 15,000 Point Anniversary Bonus
- $95 Annual Fee
The Wyndham Rewards® Earner℠ Business Card offers top-tier Diamond status and generous points earning on Wyndham stays and gas purchases. With an annual bonus of 15,000 points and a 10% discount on award nights, this card provides great value for business owners who frequently stay at Wyndham properties.
Welcome Bonus: Earn up to 100,000 bonus points (45,000 bonus points after spending $3,000 on purchases in the first 90 days plus 55,000 bonus points after spending $500 at Hotels by Wyndham in the first 180 days).
Earn Points: 8x points at Wyndham and at gas stations; 5x points on marketing, advertising, and utility purchases; 1x points on all other purchases.
Card Benefits: Annual 15,000 point bonus, Wyndham Diamond elite status, 7 to 12% booking discount, 10% award discount, extended warranty, and no foreign transaction fees.
5. Costco Anywhere Visa® Card by Citi
4% Cash Back
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6. Blue Cash Preferred® Card from American Express
3% Cash Back at U.S. Gas Stations
The Blue Cash Preferred® Card from American Express (review) is designed to maximize cash back on common household expenses. If you spend heavily on groceries, streaming services, transit or gas, you'll find the card's bonus categories and earning rates hard to beat.
Welcome Bonus: As High As $300 Cash Back. Find Out Your Offer. You may be eligible for as high as $300 cash back after spending $3,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.
Earning Rewards: 6% back at US Supermarkets (up to $6,000 per year, then 1% back) and select US streaming subscriptions; 3% back on transit (including rideshare) and at US gas stations; 1% back on all other eligible purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
Card Benefits: Subscription credit (up to a $10 monthly statement credit after using your enrolled card for a subscription purchase, including at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites), secondary rental car insurance, extended warranty, purchase protection, return protection, and 0% APR on purchases and balance transfers for 12 months from the date of account opening, after that a 19.49%-28.49% APR.
7. Wells Fargo Autograph℠ Card
3% Cash Back
- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months.
- 3x points on Restaurants, Travel, Gas, Transit, Ridesharing, Streaming, and Phone Plans
- Cell Phone Insurance
- No Foreign Transaction Fees
- No Annual Fee
The Wells Fargo Autograph℠ Card offers elevated rewards on everyday purchases including restaurants, travel, gas stations, and streaming services. The card provides solid travel and shopping protections including cell phone coverage, making it a practical choice for daily spending with no annual fee.
Welcome Bonus: Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months.
Earn Rewards: 3x points at restaurants, travel (flights, hotels, rental cars, and cruises), gas stations, EV charging stations, transit (rideshare, tolls, parking, etc.), select streaming, and cell phone and landline service; 1x points on all other eligible purchases.
Card Benefits: Cell phone protection, secondary rental car insurance, no foreign transaction fees, Visa Signature benefits, and 0% intro APR for 12 months, after that, either a 18.49%, 24.49%, or 28.49% APR applies.
8. Capital One Venture X Rewards Credit Card
2x Miles on Everyday Spending
The Capital One Venture X Rewards Credit Card (review) delivers both everyday value with unlimited 2x miles on purchases and premium comfort through comprehensive airport lounge access for you upon enrollment. You'll also receive $300 in annual travel credits plus 10,000 anniversary bonus miles, creating substantial ongoing value.
Welcome Bonus: Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months.
Earning Rewards: 10x miles on hotels and rental cars and 5x miles on flights and vacation rentals booked through Capital One Travel; 2x miles on all other purchases.
Card Benefits: $300 annual credit for bookings through Capital One Travel, 10,000 bonus miles every account anniversary, airport lounge access (Capital One and Priority Pass) upon enrollment, Global Entry / TSA PreCheck® credit, Hertz President's Circle elite status, primary rental car insurance, trip delay insurance, trip cancellation insurance, and cell phone protection.
Transfer Partners: Accor (2 to 1), Aeromexico, Air Canada Aeroplan, Air France-KLM Flying Blue, Avianca LifeMiles, British Airways, Cathay Pacific, Choice Privileges, Emirates (2 to 1.5), Etihad, EVA Air (2 to 1.5), Finnair, I Prefer Hotels (1 to 2), Japan Airlines (2 to 1.5), JetBlue (5 to 3), Qantas, Qatar, Singapore KrisFlyer, TAP Air Portugal, Turkish Airlines, Virgin Red, and Wyndham Rewards.
9. Capital One Venture Rewards Credit Card
2x Miles on Everyday Spending
- Earn a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
- 5x Miles on Hotels, Vacation Rentals, and Rental Cars via Capital One Travel
- 2x Miles Everywhere Else
- Global Entry or TSA Pre-Check® Credit
- Hertz 5-Star Elite Status
- Rental Car Insurance and Extended Warranty
- $95 Annual Fee
The Capital One Venture Rewards Credit Card (review) offers 2x miles on every purchase and flexible redemption options through transfer partners or travel statement credits. This card shines with its straightforward rewards structure and useful travel benefits, making it a solid choice for both beginners and experienced travelers.
Welcome Bonus: Earn a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
Earning Rewards: 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Travel; 2x miles on all other eligible purchases.
Card Benefits: Global Entry or TSA PreCheck® Credit, no foreign transaction fees, secondary rental car insurance, extended warranty, and lost luggage reimbursement.
Transfer Partners: Accor (2 to 1), Aeromexico, Air Canada Aeroplan, Air France-KLM Flying Blue, Avianca LifeMiles, British Airways, Cathay Pacific, Choice Privileges, Emirates (2 to 1.5), Etihad, EVA Air (2 to 1.5), Finnair, I Prefer Hotels (1 to 2), Japan Airlines (2 to 1.5), JetBlue (5 to 3), Qantas, Qatar, Singapore KrisFlyer, TAP Air Portugal, Turkish Airlines, Virgin Red, and Wyndham Rewards.
10. U.S. Bank Altitude® Connect Visa Signature® Card
4x Points (4% Back) at Gas Stations
- Earn 20,000 bonus points after spending $1,000 in Net Purchases in the first 90 days.
- 5X Points on Eligible Prepaid Hotels and Car Rentals Booked Directly in the Altitude Rewards Center
- 4X Points on Travel, Gas, and EV Charging Stations
- $30 Annual Streaming Credit and Global Entry/TSA PreCheck Credit
- Cell Phone Insurance
- $0 Intro Annual Fee the First Year, $95 Thereafter
The U.S. Bank Altitude® Connect Visa Signature® Card (review) is a travel card that offers 4x points on travel, travel, at gas stations and EV charging stations, and at grocery stores, dining, and streaming services. The Altitude Connect's annual fee is waived the first year ($95 thereafter), but it is offset by Priority Pass airport lounge access with four free visits, an annual $30 streaming credit, a Global Entry or TSA PreCheck credit, cell phone insurance, and trip delay and trip cancellation insurance.
11. Hilton Honors American Express Surpass® Card
6x Points at U.S. Gas Stations
- Earn 130,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass® Card after you spend $3,000 in purchases on the Card within your first 6 months of Card Membership.
- 12X Points at Hilton Hotels and Resorts
- 6X Points at U.S. Restaurants, U.S. Supermarkets, and U.S. Gas Stations
- Up to $200 Hilton Credit Each Year
- Hilton Honors Gold Status
- No Foreign Transaction Fees
- $150 Annual Fee (rates & fees)
The Hilton Honors American Express Surpass® Card (review) offers nice rewards at Hilton properties while providing automatic Gold status that includes valuable perks like room upgrades and breakfast benefits. This mid-tier Hilton card hits a sweet spot for occasional Hilton guests who want elite perks without premium card costs.
Welcome Bonus: Earn 130,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass® Card after you spend $3,000 in purchases on the Card within your first 6 months of Card Membership.
Earning Rewards: 12x points on eligible purchases made directly with a hotel or resort within the Hilton portfolio; 6x points at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations; 4x Points on U.S. Online Retail Purchases; 3x points for all other eligible purchases.
Main Benefits: Hilton Gold elite status, up to $200 Hilton credit (up to $50 in statement credits each quarter for purchases made directly with a Hilton property), free night award after eligible spending of $15,000 in a calendar year, and National Car Rental Emerald Club Executive Status.
What Is a Gas Credit Card?
A gas credit card is a type of financial tool designed specifically to reward consumers for their fuel purchases. At its core, this card aims to make buying gasoline more advantageous by offering a variety of incentives such as cash back, points, or discounts directly at the pump or through billing statements. The allure of a gas credit card lies in its ability to transform routine fuel expenses into opportunities for savings or rewards accumulation.
There are two primary categories of gas credit cards:
- Co-Branded Gas Credit Cards: These cards are the result of partnerships between credit card issuers and specific gas station or fuel provider brands. Co-branded gas credit cards are tailored to benefit loyal customers of a particular brand. Cardholders may enjoy exclusive perks such as higher rewards rates when purchasing gas from the affiliated stations, discounts on fuel, or even free car washes. The rewards earned with these cards are often tied to the brand’s loyalty program, offering additional ways to save on fuel or other related purchases.
- General Rewards Cards with Gas Benefits: These are versatile credit cards that offer elevated rewards on gas purchases but are not tied to any specific fuel brand. They cater to consumers who value flexibility in where they can fill up their tank while still earning significant rewards. These cards typically provide a percentage of cash back or points per dollar spent on gasoline, regardless of the station. This category is particularly appealing to individuals who drive frequently or have varying fueling preferences, as it allows them to maximize rewards across a wide range of gas stations.
How Much Can I Save With Gas Cards?
Leveraging gas cards can significantly reduce your fuel expenses, with top-tier options providing an impressive 3% to 5% cash back on purchases at the pump. Beyond cash back, some cards operate on a points system, potentially unlocking greater value.
However, the true benefit of points-based rewards hinges on your ability to utilize them effectively, whether for travel, merchandise, or other rewards. By carefully choosing the right gas card and optimizing its benefits, you can turn a routine expense into a source of savings and rewards.
How To Pick a Gas Credit Card
Selecting the right gas credit card requires a thoughtful evaluation of your spending habits and rewards preferences. Start by identifying whether your priority is to maximize earnings through sign-up bonuses or to benefit from ongoing rewards specific to gas purchases.
Consider the card’s annual fee and calculate if your regular spending will accumulate enough rewards to offset this cost. It’s also important to assess the practicality of any additional perks, such as travel credits or exclusive memberships, based on your lifestyle and usage patterns.
Lastly, ensure the rewards system is straightforward and aligns with your preferences, whether for cash back, points, or flexible redemption options. By scrutinizing these factors, you can choose a gas credit card that optimizes your savings and enhances your spending efficiency.
For rates and fees of the Hilton Honors American Express Surpass® Card, please click here. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
For rates and fees of the Blue Cash Preferred® Card from American Express, please click here. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
For rates and fees of the American Express® Business Gold Card, please click here. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
