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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! :)

Fueling Up? Quick Guide to Finding the Best Gas Credit Card for Your Situation

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Fueling Up? Quick Guide to Finding the Best Gas Credit Card for Your Situation

Andrew WanFueling Up? Quick Guide to Finding the Best Gas Credit Card for Your SituationMillion Mile Secrets Team

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INSIDER SECRET: If you’re earning less than an equivalent of 3% back at gas stations, you’re using the wrong card.

Best Gas Credit Card

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. With gas prices at their highest in almost five years, according to a few reports online, it makes more sense than ever to get a good gas-rewards credit card.

If you’re a road warrior, you can earn a healthy return on everyday spending by analyzing the best gas credit card for your situation.

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. Then 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. 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 Gas Credit Card for Different Situations

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, limited credit or want a card with other rewards categories, there should be a card for you on this list.

1. Amex Blue Cash Preferred

Apply Here: Blue Cash Preferred® Card from American Express

Read our review of the Blue Cash Preferred

If you’re a big spender at US supermarkets and gas stations, check out the Blue Cash Preferred ® Card from American Express. The card is currently offering a welcome bonus of a $250 statement credit after spending $1,000 in purchases in the first three months of account opening.

The card has a $95 annual fee (See Rates & Fees), but for those who spend a lot at supermarkets and at gas stations in the US, it should be easy to offset this fee with the following rewards you’ll earn:

  • 6% cash back at US supermarkets on up to $6,000 per year in purchases; 1% thereafter
  • 6% cash back on select US streaming subscriptions
  • 3% cash back at US 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 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 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 repair bill of a few hundred dollars when my laptop needed fixing.

2. Citi Premier Card

Apply Here: Citi Premier Card

Read our review of the Citi Premier

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!

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 three months of account opening. 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
You can transfer your Citi ThankYou points to airline partners for your next vacation.

3. Amex SimplyCash® Plus

Apply Here: SimplyCash® Plus Business Credit Card from American Express

Small business owners looking for a simple and flexible 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 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 (See Rates & Fees)
  • 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 two 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.

4. Citi Costco Visa

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. 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.

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

5. Amex Blue Cash Everyday

Apply Here: 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 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. 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 three 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 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 and up to $1,000 per occurrence/$50,000 per calendar year.
  • Terms apply.

6. Ink Business Cash℠ Credit Card

Apply Here: Ink Business Cash Credit Card

Read our review of the 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 spending $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

And 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!

7. Discover it® Cash Back and Chase Freedom

Apply Here: Chase Freedom

Read our review of the 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 you enroll, up to $1,500. 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.
  • 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 three months. And it’s great 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.

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® Cash Back cards since 2007 because of the variety of the rotating bonus categories.

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 a lot 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!

For rates and fees of the Blue Cash Everyday Card, please click here.
For rates and fees of the SimplyCash Plus Business Card, please click here.
For rates and fees of the Blue Cash Preferred Card, please click here.

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
  • Employee cards at no additional cost
  • No Annual Fee

More Info

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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is there any credit card issuer that considers BJ’s or Costco or Sam’s gas stations for its 2X categories?

(same question for CVS and Walgreens)

Thank you.

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