The best credit card for gas purchases

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If you have a long commute, take frequent road trips or spend a lot of money on gas for any reason, getting the right credit card can save you a ton.

If you’re new to credit cards, it’s important to remember to always pay your credit cards in full and on time to help build a great credit score. That way, the next time you apply for a loan, you can get the best interest rate and potentially save thousands of dollars in interest over the life of the loan.

You can use sites like MyBankrate to check your credit. While your credit score will generally give you a good idea of your odds for approval, it is only one of several criteria most banks use in reaching a final decision.

We’ve rounded up some of the top-earning rewards credit cards for gas station purchases for a multitude of situations. Whether you have a good credit score, limited credit or want a card with other rewards categories, there should be a card for you on this list.

Best gas credit card

The information for the Costco Anywhere Visa has been collected independently by Million Mile Secrets. The card details on this page have not been reviewed or provided by the card issuer.

If you’re a road warrior, you can earn a healthy return on everyday spending by finding the best gas credit card for your situation. (Photo by prakob/Shutterstock)

The best card for gas purchases

Chase Freedom

The Chase Freedom currently has a welcome bonus of $150 (15,000 Chase Ultimate Rewards points) after you spend $500 on purchases in the first three months.

You’ll also get:

  • 5% cash back (5x Chase Ultimate Rewards points per $1) on up to $1,500 in spending in rotating categories each quarter when you activate the bonus
  • 1% cash back (1x Chase Ultimate Rewards points per $1) on all other purchases

What makes this card great for gas purchases right now is that from January 1 through March 31, 2020, gas stations (along with internet/cable/phone services and select streaming services) are one of the card’s quarterly bonus categories. If you spend the $1,500 maximum in those bonus categories, you’ll earn 7,500 Chase Ultimate Rewards points ($75).

Here’s more about maximizing this quarter’s Chase Freedom bonus categories.

The Chase Freedom is a great card if you have a limited credit history. Many of our readers have been approved for this card with credit histories of less than three years and credit scores around 680.

The card is subject to Chase’s 5/24 rule, however, so if you’ve opened five or more credit cards from any bank in the past 24 months (excluding certain small business cards and Chase business cards), Chase will not approve you for their best travel-rewards credit cards, including the Chase Freedom.

Amex Blue Cash Preferred

If you’re a big spender at gas stations and U.S. supermarkets, check out the Blue Cash Preferred ® Card from American Express. The card is currently offering limited time welcome bonus of a $300 statement credit after you spend $3,000 in purchases in the first six months of account opening. Offer expires 12/10/2020.

The card has a $0 intro annual fee for the first year, then $95. (see rates and fees) offer expires 12/10/2020, but for those who spend a lot at supermarkets and at gas stations in the U.S., it should be easy to offset this fee with the following rewards:

  • 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases; 1% thereafter
  • 6% cash back on select U.S. streaming subscriptions
  • 3% cash back at U.S. gas stations and transit
  • 1% cash back on all other purchases
  • Terms apply

You’ll also get a number of benefits to help cover eligible purchases made with the card:

  • Extended warranty: When you use your American Express card for eligible purchases, the warranty can be extended for up to one additional year.
  • Return protection: If you purchase an eligible item with the card and the merchant refuses a return within 90 days, return protection may provide a refund up to $300 per item/$1,000 per year.
  • Purchase protection: Theft and accidental damage may be covered if you use your card on an eligible item purchased within 90 days, at up to $1,000 per occurrence/$50,000 per calendar year.
  • Terms apply.

When my laptop’s keyboard stopped working a few years ago, I remembered that I had coverage through Amex. I submitted the repair bill and they covered the entire cost of the repair of a few hundred dollars.

Here’s our full review of the Blue Cash Preferred card.

The Amex Blue Cash Preferred card is especially valuable for those who spend a lot on gas and groceries. (Photo by PeopleImages/iStock)

Citi Premier Card

With the Citi Premier card, you’ll earn flexible Citi ThankYou points that you can redeem for cash or travel. This is a great card to carry if you spend a lot on both gas and travel.

If you apply for the card now, you’ll earn a welcome bonus of 60,000 Citi ThankYou points after you spend $4,000 on purchases in the first three months of account opening. That’s worth $750 in travel when redeemed through the Citi ThankYou Travel Center for airfare and hotels.

The card has a $95 annual fee and you’ll get the following perks:

  • 3x Citi ThankYou points per $1 spent on travel (including at gas stations, airfare, hotels)
  • 3x Citi ThankYou points per $1 spent at restaurants and supermarkets
  • 1x Citi ThankYou point per $1 spent on all other purchases
  • No foreign transaction fees

There are a few ways you can redeem Citi ThankYou points:

  • Transfer points to these airline partners
  • Book travel through the Citi ThankYou Travel Center
  • Redeem for cash, gift cards and other merchandise through the Citi ThankYou website

Check out our review of the Citi Premier card here.

Costco Anywhere Visa Card by Citi

If you frequently shop at or buy gas from Costco, you might want to consider the Costco Anywhere Visa Card by Citi. The card has no annual fee if you have a paid Costco membership.

The card does not have an intro bonus, but you will get the following perks:

  • 4% cash back on eligible gas worldwide, including gas at Costco (applies to the first $7,000 per year, then 1% thereafter)
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all purchases from Costco and Costco.com
  • 1% cash back on all other purchases

This card is great for buying gas from Costco. Gas prices at Costco are typically a bit cheaper than most other gas stations around my area. So when I buy it there, not only am I getting cheaper gas, but I’m also getting a nice 4% cash back rewards rate!

Note that the cash back is only provided as an annual credit-card reward certificate on your February billing statement, redeemable for cash or merchandise at U.S. Costco warehouses. So if you end up closing your account before the credit posts, you could be losing the entire years’ worth of rewards.

Amex Blue Cash Everyday

If you don’t spend enough at U.S. gas stations, U.S. supermarkets or select U.S. department stores to justify the $95 annual fee that comes with some other cards, the Blue Cash Everyday® Card from American Express might be better for you.

While you won’t earn as much cash back on this card, it has no annual fee (see rates and fees), so it’s a great card to keep and continue building a good credit score.

The card comes with a welcome bonus of $200 (as a statement credit) after you spend $1,000 in purchases in the first three months.

You’ll earn the following with this card:

  • 3% cash back at U.S. supermarkets on up to $6,000 per year in purchases, then 1% thereafter
  • 2% cash back at U.S. gas stations and select US department stores
  • 1% cash back on all other purchases
  • Terms apply

Find our review of the Amex Blue Cash Everday card here.

Ink Business Cash Credit Card

The Chase Ink Business Cash is one of my favorite cash-back cards for small business owners. The card has no annual fee and is currently offering a welcome bonus of $500 (50,000 Chase Ultimate Rewards points) after you spend $3,000 on purchases in the first three months of account opening. That’s the highest offer I’ve ever seen on this card.

The card also has strong earnings in a variety of categories, because you’ll get:

  • 5% cash back (5x Chase Ultimate Rewards points per $1) on the first $25,000 in combined purchases at office supply stores, internet, cable and phone services each account anniversary year
  • 2% cash back (2x Chase Ultimate Rewards points per $1) on the first $25,000 in combined purchases at gas stations and restaurants each account anniversary year
  • Unlimited 1% cash back (1x Chase Ultimate Rewards points per $1) on all other purchases

Because of the flexibility of Chase Ultimate Rewards points, if you have another eligible Chase card (such as the Ink Business Preferred Credit CardChase Sapphire Preferred Card, or Chase Sapphire Reserve card), you can pool your points and transfer them directly to any of Chase’s travel partners for potentially more value.

Here’s our review of the Ink Business Cash card.

Bottom line

If you’re earning less than an equivalent of 3% back at gas stations, you’re using the wrong card. Any of these top credit cards for gas purchases can help you save money or earn lots of bonus miles and points:

Did I miss your favorite gas card? Let us know which cards you enjoy using for gas purchases.

For rates and fees of the Blue Cash Everyday Card, please click here.

For rates and fees of the Blue Cash Preferred Card, please click here.

Meghan Hunter is a contributor to Million Mile Secrets, she covers topics on points and miles, credit cards, airlines, hotels, and general travel.

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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