If your heart finds solace on the endless highway, you’ll be delighted to discover that the finest credit cards for fuel expenses can assist you in accumulating savings each time you refuel at the gas station.
Furthermore, numerous cards within this specialized category extend substantial points or cash back rewards on routine expenditures beyond fuel, accompanied by consumer safeguards and travel perks. We meticulously evaluated a diverse range of best gas credit cards from various issuers to compile a roster of the absolute finest options. Presented below are our chosen picks.
BJ’s One+™ Mastercard®
BJ’s One+™ Mastercard® provides a 15 cents per gallon discount on gas at BJ’s gas stations for BJ’s Club+ level members. Moreover, it offers 5% cash back on most in-club and online purchases, and 2% cash back on all other purchases. The card comes with no annual fee, though the membership fee is $110 per year.
Chase Freedom Flex℠
The Chase Freedom Flex℠ stands out with its cash-back program, introductory APR periods, and benefits like trip cancellation insurance and cellphone protection. Cardholders enjoy a 0% intro APR for the first 15 months on purchases and balance transfers. The card earns 5% cash back on rotating quarterly categories, travel booked through Chase Ultimate Rewards®, 3% cash back on dining and drugstores, and 1% cash back on other purchases. A $200 bonus is available after spending $500 in the first three months.
U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
The U.S. Bank Shopper Cash Rewards™ Visa Signature® Card allows customization of rewards based on spending preferences. It offers 6% cash back on combined purchases from two chosen retailers, 5.5% cash back on select bookings, 3% cash back in one everyday category, and 1.5% cash back on all other purchases. A $250 bonus can be earned after spending $2,000 in the first 120 days. The card has an annual fee of $95 after the first year.
Wells Fargo Autograph℠ Card
The Wells Fargo Autograph℠ Card features a simple rewards structure across various categories, including restaurants, travel, gas, and streaming services. The card offers cellphone protection, secondary car rental coverage, and a 0% intro APR on purchases for 12 months. Cardholders earn 3 points per $1 in select categories and 1 point per $1 on other purchases. A welcome bonus of 20,000 points is attainable after spending $1,000 in the first three months.
U.S. Bank Altitude® Connect Visa Signature® Card
The U.S. Bank Altitude® Connect Visa Signature® Card excels in gas rewards, offering 5 points per $1 on select bookings and 4 points per $1 on travel and gas stations. The card provides 2 points per $1 at grocery stores, dining, and streaming services, as well as 1 point per $1 on other purchases. A welcome bonus of 50,000 points can be earned after spending $2,000 in the first 120 days. The card has an annual fee of $95 after the first year.
Blue Cash Preferred® Card from American Express
The Blue Cash Preferred® Card from American Express offers competitive rewards rates on U.S. supermarket, gas station, and transit spending. Cardholders can receive up to $120 in annual statement credits for Equinox+ memberships and up to $84 in credits for eligible Disney Bundle subscriptions. The card has a 0% intro APR for 12 months on purchases and balance transfers. It earns 6% cash back on U.S. supermarkets, select streaming subscriptions, 3% cash back on U.S. gas stations and transit, and 1% cash back on other purchases.
U.S. Bank Cash+® Visa Signature® Card
The U.S. Bank Cash+® Visa Signature® Card allows personalized cash back with 5% on select bookings, 5% on chosen categories up to $2,000 per quarter, 2% on an everyday category, and 1% on other purchases. It comes with a 0% intro APR on purchases and balance transfers for 15 billing cycles. Cardholders can earn a $200 rewards bonus after spending $1,000 in the first 120 days. The card has no annual fee.
Sam’s Club® Mastercard® Rewards
The Sam’s Club® Mastercard® presents a fantastic opportunity for wholesale club members to earn substantial cash back rewards. This card stands out for its generous cash back offerings on gas, electric vehicle charging, and dining at restaurants. If you hold a “Plus” membership, you can also enjoy additional rewards when making purchases at Sam’s Club itself. Notably, there’s no annual fee for this card, but it’s important to bear in mind that becoming a Sam’s Club member does involve a membership fee. If you frequently shop at wholesale clubs, this card could hold significant value for you.
PenFed Platinum Rewards Visa Signature® Card:
The PenFed Platinum Rewards Visa Signature® Card is a prime choice for those who have an affinity for credit unions. While the application process for this card might not be the simplest, and redeeming points could potentially be a bit cumbersome, it shines when it comes to rewards for gas expenditures. If a substantial portion of your budget goes toward gas, this card might be tailor-made for you. Its remarkable return on gas spending makes it an enticing option for individuals seeking to optimize their gas-related rewards.
Should you consider a gas credit card?
Given that gas credit cards provide above-average rewards for fuel purchases, they are most suitable for individuals who have a regular commute or frequently spend a significant amount on fuel for leisure travel. However, there are additional factors to contemplate before determining whether one of the gas credit cards mentioned here aligns with your needs.
Does a card provide higher cash back or more points in other categories where you often make expenditures, like groceries or dining out? Discovering this information prior to applying offers the optimal approach to maximize your rewards. It’s also essential to verify if the cards you are evaluating offer any benefits that you can realistically utilize, such as purchase protection, extended warranties, travel insurance coverage, or introductory 0% APR promotions.
In the end, you should evaluate each of the gas credit cards featured in this compilation and evaluate them based on the potential rewards you could accumulate over a year, as well as the worth of any accompanying benefits. Through this assessment, you might determine that a gas credit card precisely suits your spending patterns—or conversely, that an alternative type of rewards credit card would better suit your needs.
