Fueling Up? Here Are the Best Gas Credit Cards

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Fueling Up?  Here Are the Best Gas Credit Cards

Andrew WFueling Up?  Here Are the Best Gas Credit CardsMillion Mile Secrets Team

We devote thousands of hours of research to help you get Big Travel with Small Money. You support us by signing-up for credit cards through partner links which earn us a commission. Here’s our full Advertising Policy.

Best Credit Cards for Gas

The information for the Chase Freedom 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 someone who has a long commute, frequently takes road trips, or otherwise spends a lot of money on gas, getting the right credit card can save you money on your gas purchases and help you keep more of your hard-earned cash!

And according to a few reports online, with gas prices being at their highest since the end of 2014, it makes even more sense to get a good gas rewards credit card.

Best Gas Credit Card
With the Right Credit Card, You Can Save Tons of Money on Your Gas Purchases

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

You can use sites like MyBankrate to check your credit.  And 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.

Best Credit Cards for Gas Purchases

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

1.   Citi Premier Card

Link:   Citi Premier Card

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

If you apply for the card now, you’ll earn a welcome bonus of 50,000 Citi ThankYou points after spending $4,000 on purchases in the first 3 months.  That’s worth $625 in travel when redeemed through the Citi ThankYou Travel Center for airfare, car rentals, hotels, and cruises!

The card has a $95 annual fee which is waived for the first year.  And you’ll get the following perks:

  • 3X Citi ThankYou points per $1 spent on travel (including gas stations, airfare, hotels, cruises, car rental agencies, travel agencies, railways, public transportation, tolls, taxis, parking, and much more)
  • 2X Citi ThankYou points per $1 spent on dining out and entertainment
  • 1X Citi ThankYou point per $1 spent on all other purchases
  • No foreign transaction fees – perfect for using overseas

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
Best Gas Credit Card
You Can Transfer Your Citi ThankYou Points to Airline Partners For Your Next Vacation!

1.   AMEX SimplyCash® Plus

Link:   SimplyCash® Plus Business Credit Card from American Express

Small business owners looking for a simple and flexible no-annual-fee cash back rewards card should consider applying for the AMEX SimplyCash Plus credit card.  Although the card is not currently offering a welcome bonus, it has had one in the past

You’ll earn straightforward cash back, as well as the ability to earn 3% cash back in one category of your choice (which includes gas).

You’ll also get the following:

  • No annual fee
  • 5% cash back at US office supply stores and on wireless telephone services purchased directly from US service providers on up to $50,000 in purchases per calendar year (then 1%)
  • 3% cash back on a category of your choice (see below) on up to $50,000 in purchases per calendar year (then 1%)
  • 1% cash back on all other purchases
  • Terms apply

For your 3% cash back category, you’ll be able to choose from the following list:

  • Airfare purchased directly from airlines
  • Hotel rooms purchased directly from hotels
  • Car rentals purchased from select car rental companies
  • US gas stations
  • US restaurants
  • US purchases for advertising in select media
  • US purchases for shipping
  • US computer hardware, software, and cloud computing purchases made directly from select providers

You’ll have 2 months from when you are approved for the card to choose your 3% category.  Afterwards, you’ll be able to change it once per year from December 1 – January 31.

2.   Citi Costco Visa

Link:   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

I think this card is great for buying gas from Costco.  I’ve noticed that the gas prices at Costco are typically a bit cheaper than most other gas stations around my area.  So not only am I getting cheaper gas, 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 US Costco warehouses.  So if you end up closing your account before the credit posts, you could be losing the entire years’ worth of rewards.

3.   AMEX Blue Cash Preferred

Link:   Blue Cash Preferred® Card from American Express

Link:   Our Review of the Blue Cash Preferred® Card from American Express

If you’re a big spender at US supermarkets and US gas stations, check out the Blue Cash Preferred ® Card from American Express.  The card is currently offering a welcome bonus of $200 after spending $1,000 in purchases in the first 3 months.

The card has a $95 annual fee, but for those who spend a lot on groceries and at gas stations, it should be easy to offset this fee given the following rewards you’ll earn:

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

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

  • Extended warranty – when you use your American Express card for eligible purchases, the length of the warranty can be extended for up to 1 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 offer coverage if you use your card on an eligible item purchased within 90 days and 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 to AMEX, and they covered the entire cost of the repair of a few hundred dollars!

Best Gas Credit Card
The Extended Warranty Protection On My AMEX Card Saved Me From a Several Hundred Dollar Repair Bill When My Laptop Needed Fixing

4.   AMEX Blue Cash Everyday

Link:   Blue Cash Everyday® Card from American Express

Link:   Our Review of the Blue Cash Everyday® Card from American Express

If you don’t spend enough at US gas stations, US supermarkets, or US department stores to justify the $95 annual fee, the Blue Cash Everyday ® Card from American Express might be a better card for you.

While you won’t earn as much cash back on this card, it has no annual fee.  So it’s a great card to keep and continue building a good credit score!

The card comes with a welcome bonus of $150 after spending $1,000 in purchases in the first 3 months.

You’ll earn the following with this card:

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

And you’ll also get many of the same benefits to help cover your eligible purchases, such as:

  • Extended warranty – when you use your American Express card for eligible purchases, the length of the warranty can be extended for up to 1 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 offer coverage if you use your card on an eligible item purchased within 90 days and up to $1,000 per occurrence / $50,000 per calendar year
  • Terms apply

5.   Chase Ink Business Cash

Link:   Chase Ink Business Cash

Link:   Our Review of the Chase Ink Business Cash

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 spending $3,000 on purchases in the first 3 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

And because of the flexibility of Chase Ultimate Rewards points, if you have another eligible card (such as the Chase Ink Business PreferredChase Sapphire Preferred, 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!

6.   Discover it® Cash Back and Chase Freedom

Link:   Discover it® Cash Back

Link:   Chase Freedom

The Discover it® Cash Back  and Chase Freedom cards are similar in that they both earn 5% cash back on categories that rotate every quarter.  Popular bonus categories in the past have included gas stations, restaurants, and department stores.  Both cards also have no annual fee, so it won’t cost you anything if you decide to apply for both.

With the Discover it® Cash Back card, you’ll get the following perks:

  • Enroll every quarter to earn 5% cash back on up to $1,500 in purchases made in various categories throughout the year
  • Earn an unlimited 1% cash back on all other purchases
  • New card members qualify for Cashback Match – Discover will automatically match all the cash back you’ve earned at the end of your first year.
  • Apply using our referral link above, and you’ll earn $50 when you make a purchase in the first 3 months of opening your account
  • Cash back on this card never expires as long as your account is open and in good standing and can be redeemed in any amount at any time

And with the Chase Freedom, you’ll 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

The card currently has a welcome bonus of $150 (15,000 Chase Ultimate Rewards points) after spending $500 on purchases in the first 3 months.  And it’s great if you have a limited credit history, as many of our readers have been approved for this card with credit histories less than 3 years and credit scores around 680.

The card is subject to Chase’s 5/24 rule though, so if you’ve opened 5 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 many of their best travel rewards credit cards, including the Chase Freedom.

Both the Chase Freedom and Discover it® Cash Back are great cards to consider if you’re looking for a strong cash back card for gas, and also want the opportunity to earn rewards on other categories throughout the year.  I’ve personally been using both my Chase Freedom and Discover it® cards since 2007 because of the variety of the rotating bonus categories!

Best Gas Credit Card
You Can Save Money on a Variety of Purchases With The Chase Freedom’s Quarterly Bonus Categories

Bottom Line

If you drive a lot and spend quite a bit on gas each month, 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!

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Ink Business Cash℠ Credit Card

Ink Business Cash℠ Credit Card

  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases and balance transfers
  • Employee cards at no additional cost
  • No Annual Fee

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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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Also the CostCo Visa card has no overseas fees, so good to use abroad too.