7 best gas credit cards of September 2024

Augusta Stone is an associate credit cards writer for TPG. She joined the TPG team in 2023 and is excited to take fellow points and miles beginners with her on a journey toward maximizing rewards.

Daisy is a credit cards editor at TPG. Her expertise spans earning and redeeming rewards across rotating categories and multiple cards. Prior to this, she wrote news stories, how-to guides and tested and reviewed gear for Popular Mechanics, Sports Illustrated, Bicycling and Runner's World.

Most of the cards we feature here are from partners who compensate us when you approve through our site, and this may impact how or where these products appear. We don’t cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Please view our advertising policy and product review methodology for more information.

Gas is an essential and recurring expense for many Americans — which is why adding one of the best credit cards for gas is a great way to maximize these purchases. Whether you’re looking to earn airline miles, credit card points or cash-back rewards, there are many great options to save at the pump. At The Points Guy, we’re passionate about helping you earn the best return on the purchases you’re already making, so we’ve curated a list of the best credit cards for gas. Consider adding one of these to your wallet ahead of your next fill-up.

At The Points Guy, our goal is to help you maximize your travel experiences while minimizing spending. Our travel and credit cards experts share their own experiences and give honest analyses to help you make decisions that benefit you the most. While we do receive compensation through our credit card application links, ads, and clearly indicated sponsored content, our editorial content, points valuations and card analysis are entirely our own.

Browse by card categories

Blue Cash Preferred® Card from American Express

Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.

Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

If you’re spending hundreds (or thousands) on supermarkets or gas in the U.S. and more each month, the Blue Cash Preferred is the perfect card to maximize those purchases for cash back. Read our full review of the Blue Cash Preferred Card from American Express.

Pros

• This card has one of the best earning structures out there for cash-back credit cards
• The card does come with access to Amex Offers (enrollment required), which can save you even more money on specific purchases

Cons

• There is a $6,000 spending cap on the U.S. supermarket bonus category, which may not work for those with large grocery budgets
• You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad

• Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
• $0 intro annual fee for the first year, then $95.
• Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
• Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%.
• 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
• 6% Cash Back on select U.S. streaming subscriptions.
• 3% Cash Back at U.S. gas stations.
• 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
• 1% Cash Back on other purchases.
• Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
• $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
• Terms Apply.
• See Rates & Fees

Bank of America® Customized Cash Rewards credit card

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

If you find that other cash-back cards don’t exactly match your lifestyle and spending habits, you’ll like the flexibility of the Bank of America® Customized Cash Rewards credit card. You have the power to pick your bonus category each month, which can appeal to those who don’t have traditional spending habits. Read our full review of the Bank of America Customized Cash Rewards credit card.

Pros

• Flexible earning structure (3% cash back in the category of your choice and 2% at grocery stores and wholesale clubs); up to $2,500 in combined purchases per quarter (then 1%)
• No annual fee or expiration on rewards
• $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

Cons

• Maximum $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then 1%
• 3% foreign transaction fee

• $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
• Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
• Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
• If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
• No annual fee and cash rewards don’t expire as long as your account remains open.
• 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% - 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
• Contactless Cards - The security of a chip card, with the convenience of a tap.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Capital One Quicksilver Cash Rewards Credit Card

Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening

Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

The Capital One Quicksilver Cash Rewards takes the guesswork out of earning cash-back rewards by offering an unlimited 1.5% earning rate on all purchases. Read our full review of the Capital One Quicksilver Cash Rewards Credit Card.

Pros

• Unlimited 1.5% cash back on all purchases
• No annual fee
• Cash back doesn't expire
• The intro APR offer that comes with this card makes it a solid choice for those looking to finance a large purchase

Cons

• Limited card perks and benefits
• Other cards offer more potential and upside when it comes to redeeming cash back

• Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
• Earn unlimited 1.5% cash back on every purchase, every day
• $0 annual fee and no foreign transaction fees
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
• No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
• 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies

Costco Anywhere Visa® Card by Citi

Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

This no-annual-fee card is a no-brainer for Costco shoppers who want to earn even greater savings with cash-back rewards. Read our full review of the Costco Anywhere Visa Card by Citi.

Pros

• Purchase protection
• 4% cash back on eligible gas and EV purchases (on up to $7,000 per year; then 1%), 3% back at restaurants and on eligible travel purchases, 2% back on in-store and online Costco purchases

Cons

• Doesn't make sense if you're not a Costco shopper
• Cash back can only be redeemed in the form of a reward certificate

• Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
• 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
• 3% cash back on restaurants and eligible travel purchases
• 2% cash back on all other purchases from Costco and Costco.com
• 1% cash back on all other purchases
• No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
• Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico

Chase Freedom Flex®

Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

The Chase Freedom Flex is a great all-around card for beginners and fans of cash back. It’s easier to be approved for than many top-tier cards from Chase and Amex, and it offers a great array of benefits for a no-annual-fee card. Read our review of the Chase Freedom Flex.

Pros

• For a no-annual-fee credit card, the Chase Freedom Flex does offer additional benefits for cardholders including cell phone protection and food delivery perks
• The card comes with an intro APR offer

Cons

• You must remember to activate your bonus categories quarterly or risk not earning 5x on select purchases

• Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
• 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
• 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
• 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
• No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Flex® card
• Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
• Member FDIC

Chase Sapphire Preferred® Card

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Year after year, the Chase Sapphire Preferred wins at the TPG Awards for Best Travel Rewards Card. In exchange for a $95 annual fee, you’ll gain access to the incredible Ultimate Rewards program — unleashing tons of potential value for award travel. Read our review of the Chase Sapphire Preferred Card.

Pros

• Earn multiple points per dollar on things like travel and dining
• The current welcome bonus on this card is quite generous
• Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance

Cons

• The card comes with a $95 annual fee

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
• Member FDIC

Chase Freedom Unlimited®

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.

Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

The Chase Freedom Unlimited is a card held by beginners and award traveler pros alike. With no annual fee and no rotating bonus categories, this card makes earning rewards simple. Read our full review of the Chase Freedom Unlimited.

Pros

• At least 1.5% back on every purchase, with up to 5% or 3% back on select categories
• There is no annual fee
• Perfect for everyday, non-bonused spending
• Has incredible value when paired with a premium Chase card

Cons

• There is a 3% foreign transaction fee so the card shouldn't be used abroad
• Limited card perks and benefits

• Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
• Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
• After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
• Member FDIC

Comparing the best gas credit cards

Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.

More details on the best gas credit cards

The Blue Cash Preferred Card is a top cash back credit card as it offers solid returns on multiple bonus categories, including 3% cash back at U.S. gas stations. It also offers a solid welcome bonus and rewards in multiple other categories, including 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% cash back on select U.S. streaming subscriptions and 3% cash back on transit including taxis/rideshare, parking, tolls, trains, buses and more, 1% cash back on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

If you’re looking to earn cash back on multiple bonus categories without having to manage rotating categories, the Blue Cash Preferred is a solid option. The card is also a good choice for those looking for a low annual fee, as the Blue Cash Preferred offers a $0 introductory annual fee (then $95; see rates and fees).

"The Blue Cash Preferred Card is the card I recommended to my parents when they were looking for a new cash-back rewards card for their groceries. My parents prefer the simplicity of cash-back rewards and I knew they'd benefit from earning 6% cash back on up to $6,000 per year in purchases at U.S. supermarkets. Compared to the 1.5% cash back they were earning on these purchases, the elevated earnings easily justified adding the Blue Cash Preferred to their wallet." — Katie Genter, senior points and miles writer

If you’re more interested in earning Amex points for gas purchases instead of cash back, the Amex EveryDay Preferred Credit Card earns 2 points per dollar spent at gas stations along with 3 points per dollar on supermarket purchases (up to $6,000 a year; then 1x). If you use the card 30 or more times in a billing period, you’ll earn 50% extra points on those purchases. The information for the Amex EveryDay Preferred Credit Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

The Bank of America Customized Cash Rewards credit card gives you some control over how you earn rewards, as you can earn 3% cash back in the category of your choice each calendar month with no annual fee. If you’re looking to use this card to maximize gas purchases, you can opt-in to earn 3% cash back on gas and EV charging stations. The card also earns 2% on groceries and wholesale clubs and 1% on everything else. The Bank of America Customized Cash has a cap at $2,500 on bonus category earnings each quarter, earning 1% cash back beyond that.

Anyone seeking out cash-back rewards who would enjoy the flexibility of selecting your own 3% cash back bonus category each month could find the Bank of America Customized Cash worthwhile. Those with spending habits that fluctuate could also find value in this customizable card with no annual fee. The card is also especially useful for Bank of America customers who qualify for the Preferred Rewards® program.

"This card is a great multipurpose tool in my wallet because it lets me pick a 3% cash back earning category each month. If I know I have some purchases coming up that don’t line up to a card where I get a solid earning rate, I’ll swap my 3% category and use this card to maximize my rewards. I also appreciate the clear information in the Bank of America app that shows me exactly what types of merchants line up into each spending category, so it’s easy to make my 3% category choice." — Gabe Travers, senior director

If you’re an existing Bank of America customer looking for a card for gas that collects points instead of earning cash back, the Bank of America® Travel Rewards credit card offers a flat rate on all purchases – an unlimited 1.5 points per dollar – along with a higher sign-up bonus than the Bank of America Customized Cash. Like the Bank of America Customized Cash, the Bank of America Travel Rewards credit card does not charge an annual fee.

The Capital One Quicksilver Cash Rewards Credit Card is a straightforward cash back card, earning unlimited 1.5% cash back on every purchase, every day, with no annual fee (see rates and fees). It’s a simplistic way to earn back on gas purchases, as users won’t need to concern themselves with memorizing bonus categories, keeping up with rotating categories or selecting certain bonuses on a monthly or quarterly basis.

If you’re looking for simplicity, the Capital One Quicksilver Cash Rewards’ flat rate of 1.5% cash back on all purchases keeps you from having to remember any bonus categories or select certain bonuses monthly or quarterly. It’s also a solid option for anyone who carries the Capital One Venture Rewards Credit Card, as you can convert the cash back you earn on the Capital One Quicksilver Cash Rewards into Capital One miles.

On top of the simple earning structure, the Capital One Quicksilver Cash Rewards comes with no annual fee (see rates and fees) and a $200 cash bonus after spending $500 on purchases within the first three months of account opening. It could be a solid option for anyone looking for easy cash back earnings.

The Citi Double Cash® Card (see rates and fees) also has a simple, flat-rate earning structure, earning 2% on all purchases (1% when you buy and 1% as you pay) with no annual fee, similar to the Capital One Quicksilver Cash Rewards.

The Costco Anywhere Visa Card by Citi offers generous cash back (redeemed once per year in the form of a reward certificate). The card earns 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter. It’s not only valuable as a gas credit card, as the Costco Anywhere Visa also earns 3% cash back on restaurants and eligible travel purchases, 2% cash back on all other purchases from Costco and Costco.com and 1% cash back on all other purchases.

For anyone who’s already a loyal shopper at the popular warehouse store, the Costco Anywhere Visa Card by Citi is a sensible choice as a gas card since it earns a high return (4% cash back) at the pump. It’s a good complement for anyone who already pays for a Costco membership, offering more rewards at the store on a frequent purchase.

“I love that the Costco Anywhere Visa earns a healthy 3% on restaurants and eligible travel on top of 4% cash back at gas stations since both are key spend categories for my household. As a Costco Executive member, I also love knowing that I earn 2% on all in-warehouse and Costco.com purchases with this card in addition to 1% cash back every time I tap my card wherever Visa is accepted. This card is a workhorse for earning cash back which is why it has become one I reach for again and again.” — Daisy Hernandez, credit cards editor

If you’re looking to get more cash back on gas and groceries with a card that isn’t directly affiliated with Costco, the Blue Cash Preferred® Card from American Express is a solid option, as you’ll earn 3% cash back on transit and on gas and U.S. gas stations as well as 6% at U.S. supermarkets (on up to $6,000 spent per calendar year; then 1%). Cash back earned in the form of Rewards Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

The Chase Freedom Flex offers a 5% cash back earning rate on select bonus categories that rotate every quarter, so those looking to maximize on gas purchases could have the opportunity to maximize on strong earnings when they come up in that category. The card also offers 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1% cash back on all other purchases.

Those comfortable with managing rotating bonus categories will appreciate the high earnings rate on the Chase Freedom Flex when gas purchases are within the 5% cash back category. The card also comes with no annual fee and a solid bonus offer, as new Freedom Flex applicants can earn $200 after spending $500 in the first three months from account opening.

"As a points and miles enthusiast, I’m happy to keep up with the rotating quarterly categories that earn 5% cash back. I get the most value from this card when I can max out the $1,500 quarterly limit on Amazon, Target and PayPal purchases. My top tip for this card is to make sure that you ‘activate’ the categories every quarter so that you can maximize your points earning." — Matt Moffitt, managing editor

If you’re interested in earning Chase Ultimate Rewards at a flat rate, the Chase Freedom Unlimited® is a good option. With no annual fee, it earns at least 1.5% on all purchases, so you wouldn’t need to concern yourself with rotating bonus categories.

The Chase Sapphire Preferred Card is among the most popular travel rewards credit cards as it earns solid returns on travel and dining purchases, including 5 points per dollar on travel purchased through Chase Travel, 3 points per dollar on dining, select streaming services and online grocery store purchases, 2 points per dollar on all other travel and 1 point per dollar on everything else for a $95 annual fee.

Anyone interested in collecting Chase Ultimate Rewards points would appreciate the earning currency on the Chase Sapphire Preferred, as the card gives back these points to redeem in a wide variety of ways. This includes (but is not limited to) redemptions on travel through Chase Travel℠ as well as transfers with Chase’s numerous airline and hotel travel partners.

"The Chase Sapphire Preferred has remained a top card in my wallet for years. Between the consistently strong sign-up bonus, low annual fee and continual improvements that have been made over the years, it's hard for any other mid-tier rewards card to compare. I love that I can earn bonus rewards on travel, dining, streaming and online grocery purchases — all with just one card. Plus, Chase Ultimate Rewards points are valuable and easy to use whether you're new to points and miles or an expert." — Madison Blancaflor, managing editor

If you prefer American Express, the American Express® Green Card offers high earning rates on travel, restaurants and transit for a $150 annual fee (see rates and fees), which is slightly higher than the Chase Sapphire Preferred’s annual fee.

The Chase Freedom Unlimited is a flat-rate rewards card offering 1.5% cash back on all purchases, which is a strong option for anyone looking to earn on a gas card without managing bonus categories. It also offers 5% cash back on travel purchased through Chase Travel and 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, with no annual fee.

Those who are looking to earn consistent cash back without managing bonus categories or activating certain rewards will appreciate the Chase Freedom Unlimited. It also holds strong value when paired with another Chase card that earns Ultimate Rewards points, such as the Chase Sapphire Preferred® Card or the Chase Sapphire Reserve®, as you can combine your earnings into a single account for Chase Ultimate Rewards points.

"The Chase Freedom Unlimited is a great option for a gas card, especially for anyone with another Chase card, such as the Sapphire Preferred or Sapphire Reserve. It has solid bonus categories but also gives 1.5% back on all other purchases. And, if you have a higher-end Chase card, you can effectively convert these cash-back earnings into fully-transferable Ultimate Rewards points." — Nick Ewen, senior editorial director

If you want to earn more cash back on gas purchases, the Blue Cash Everyday® Card from American Express earns 3% back at U.S. gas stations, as well as U.S. supermarkets and U.S. online purchases (up to $6,000 for each category, then 1%) and 1% on all other purchases. Cash back earned in the form of Rewards Dollars that can be redeemed as a statement credit or at Amazon.com checkout.