Best gas credit cards of 2024

Maximize your savings at the gas pump. Get matched to credit cards from our partners based on your unique credit profile.

Get perks on gas and more

Turn filling your gas tank into discounts on fuel, cash back, points and more.

Protect yourself from fraud

Pick a card with protection benefits to help avoid unauthorized purchases.

Build your credit history

Use your card to buy gas and more, pay off your balance and improve your credit.

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All gas credit cards

Alabama
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22 partner offers

Wells Fargo Autograph℠ Card

Intro bonus:

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.

Rewards:

1x-3x (Points per dollar)

Ongoing APR:

20.24%, 25.24%, or 29.99% Variable APR

Annual Fee:

$0

Annual percentage rate (APR)

The APR on credit cards is simply the interest rate the card issuer charges when you don't pay off your balance in full each month—it doesn't include the card's annual fees or other fees you may be charged for using your card. There are several types of APR that can apply to credit cards including purchase, balance transfer and cash advance.

Intro bonus

A credit card intro bonus, also called a welcome bonus, is a benefit that credit card issuers offer new cardholders when they're approved for the new card. While some intro bonuses offer automatic rewards upon approval, most require you to spend a certain amount on eligible purchases in a given timeframe to qualify. Look for cards with a high intro bonus and a low spending requirement.

Rewards

Gas rewards credit cards reward you with cash back or points equal to a percentage of each dollar you spend on gas, which may be a rate of 3% to 5%. You can also select a rewards card with flexible cash back across multiple categories. Look for rewards that align with what you spend the most on.

Annual fee

Some credit cards have an annual fee which you'll pay when you first receive the card and at each cardholder anniversary. Take the cost of an annual fee into account when considering which options will benefit you the most over the course of a year.

Credit One Bank® NASCAR® American Express® Credit Card for Rebuilding Credit

Intro bonus:

N/A*

Rewards:

1% (cash back)

Ongoing APR:

29.74% Variable

Annual Fee:

$75 First year. $99 thereafter, billed monthly at $8.25

Wells Fargo Active Cash® Card

Intro APR:

0% intro APR for 15 months from account opening on purchases and qualifying balance transfers

Ongoing APR:

20.24%, 25.24%, or 29.99% Variable APR

Rewards:

2% (Cash Rewards)

Annual Fee:

$0

Credit One Bank American Express® Card for Rebuilding Credit

Intro bonus:

N/A*

Rewards:

1% (cash back)

Ongoing APR:

29.74% Variable

Annual Fee:

$75 First year. $99 thereafter, billed monthly at $8.25

Costco Anywhere Visa® Card by Citi logo.

Costco Anywhere Visa® Card by Citi

Intro bonus:

N/A*

Rewards:

1%-4% (cash back)

Ongoing APR:

20.49% (Variable)

Annual Fee:

$0

Capital One QuicksilverOne Cash Rewards Credit Card

Intro bonus:

N/A*

Rewards:

1.5%-5% (cash back)

Ongoing APR:

29.99% (Variable)

Annual Fee:

$39

Citi Custom Cash® Card

Intro APR:

0% for 15 months on Purchases and Balance Transfers

Ongoing APR:

19.24% - 29.24% (Variable)

Rewards:

1%-5% (cash back)

Annual Fee:

$0

Credit One Bank Wander® Card

Intro bonus:

N/A

Rewards:

1x-10x (Points per dollar)

Ongoing APR:

29.74% Variable

Annual Fee:

$95

Blue Cash Preferred® Card from American Express

Intro APR:

0% on Purchases and Balance Transfers for 12 months

Ongoing APR:

19.24%-29.99% Variable

Rewards:

1%-6% (cash back)

Annual Fee:

$0 intro annual fee for the first year, then $95

Credit One Bank Platinum X5 American Express® Card

Intro bonus:

N/A*

Rewards:

1%-5% (cash back)

Ongoing APR:

29.74% Variable

Annual Fee:

$95

AT&T Points Plus® Card from Citi

Intro bonus:

Earn a $100 Statement Credit after spending $1,000 in qualifying activities in the first 3 months of account opening

Rewards:

1x-3x (Points per dollar)

Ongoing APR:

21.24% - 29.24% (Variable)

Annual Fee:

N/A

Credit One Bank American Express® Unlimited Rewards Card

Intro bonus:

N/A*

Rewards:

1% (cash back)

Ongoing APR:

29.74% Variable

Annual Fee:

$0

Capital One Quicksilver Cash Rewards Credit Card

Intro APR:

0% on Purchases and Balance Transfers for 15 months

Ongoing APR:

19.99% - 29.99% (Variable)

Rewards:

1.5%-5% (cash back)

Annual Fee:

$0

Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

Intro bonus:

Earn 50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in purchases within the first 3 months of account opening.

Rewards:

2x (Miles per dollar)

Ongoing APR:

21.24% - 29.99% (Variable)

Annual Fee:

$99, waived for first 12 months

Citi Double Cash® Card

Intro APR:

0% for 18 months on Balance Transfers

Ongoing APR:

19.24% - 29.24% (Variable)

Rewards:

2% (cash back)

Annual Fee:

$0

Capital One Walmart Rewards® Mastercard®

Intro bonus:

N/A*

Rewards:

1%-5% (cash back)

Ongoing APR:

19.48% or 29.99% (Variable)

Annual Fee:

$0

Citi Premier® Card

Intro bonus:

Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.

Rewards:

1x-3x (Points per dollar)

Ongoing APR:

21.24% - 29.24% (Variable)

Annual Fee:

$95

Credit One Bank® Secured Card

Intro bonus:

N/A*

Rewards:

1% (cash back)

Ongoing APR:

29.74% Variable

Annual Fee:

$0

Blue Cash Everyday® Card from American Express

Intro APR:

0% on Purchases and Balance Transfers for 15 months

Ongoing APR:

19.24%-29.99% Variable

Rewards:

1%-3% (cash back)

Annual Fee:

$0

Citi Rewards+® Card

Intro APR:

0% for 15 months on Purchases and Balance Transfers

Ongoing APR:

18.74% - 28.74% (Variable)

Rewards:

1x-2x (Points per dollar)

Annual Fee:

$0

Advertiser Disclosure: The offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.

Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any offer.

*For complete information, see the offer terms and conditions on the issuer or partner's website. Once you click apply you will be directed to the issuer or partner's website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.

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How to find the best gas credit card

1

Consider gas station loyalty

If you visit a gas station often, you may want to get their card.

2

Look for rewards

See if the card offers rewards for dining, groceries and more.

3

Watch for annual fees

See if the extra perks outweigh the cost of the annual fee.

Start with your FICO® ScoreΘ and see card offers matched to your credit profile.

Get started for free

ΘCredit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more.

Frequently asked questions

A gas credit card is a type of credit card that offers rewards, discounts or other benefits that helps you rack up earnings whenever you fill up your tank. There are multiple types of gas rewards credit cards, but what they all have in common is that they're designed to offer discounts or rewards when you fill up your tank.

For the most part, gas credit cards work the same as traditional credit cards. The key difference is that gas rewards credit cards offer rewards or discounts on gas purchases. For example, some gas credit cards offer 5 to 10 cents off per gallon of gas at the pump. Others reward you with cash back or points that can be redeemed for things like cash back, gift cards or merchandise.

Also, keep in mind that some gas credit cards issued in partnership with specific gas merchants, such as BP or ExxonMobil, may only allow you to use your card at that company's gas stations. If you have a gas credit card that allows you to shop anywhere, pay close attention to the fine print. For example, gas stations operated by grocery stores, supermarkets, superstores and wholesale clubs may not be eligible.

There are gas credit cards available to consumers across the credit spectrum. However, the higher your score is, the better your odds of getting approved for a card that offers better rewards and perks. For example, to qualify for a premier gas rewards card, you should aim for a good-to-excellent credit score, or a FICO® Score of 670 or higher. If your credit could use improvement, learn about how to build credit faster.

There are two main types of gas credit cards to consider.

  • Co-branded gas cards: Also called a "closed-loop gas card," these are credit cards co-branded with a specific gas station, such as Shell or ExxonMobil. They tend to come with a specific discount per gallon of gas, such as 5 cents per gallon.
  • General gas rewards cards: These are rewards cards that offer cash back or points for gas purchases, such as 3% back, regardless of which gas station you use.

Look for a gas credit card that rewards you in the way that works the best for you. If you frequent a certain gas station, selecting a co-branded gas credit card can help you save the most money on gas. If you tend to buy gas at different gas merchants regular, picking a rewards card that offers flexible rewards can help you get more out of your money. Look for a gas rewards card with a competitive cash back rate, such as 3%. To ensure you're getting the best overall value, keep an eye out for fees. The best gas rewards credit cards come with no annual fee, though these cards often come with higher credit requirements.

Also, keep in mind that for the average household, gasoline isn't the largest expense in your budget. To ensure you're earning rewards on a larger pool of spending, consider opting for a rewards card with a generous flat-rate cash back or points structure for spending across multiple categories, such as groceries, gas and dining.

How much you can save with a gas credit card depends on how much you spend on gas, as well as on the specific benefits of the gas credit card you use. A rewards card that offers 3% to 5% back at the pump can help you save the most on gas. You can also consider a gas credit card that's co-branded with a specific gas company. If your household spends a lot on gas and you tend to frequent one chain, this could help you take advantage of generous discounts and possibly save more overall.

While a gas credit card can offer more value at the pump, it's important to find a credit card that will give you the most value on all of your spending. Compare offers side-by-side to and take all the perks a credit card offers into consideration, including rewards, welcome bonuses and introductory 0% APR promotions. Keep in mind that you can select a rewards credit card that offers flexible cash back and points in multiple spending categories, such as gas and grocery purchases. Or, you can select a rewards credit card with a generous rewards structure on all purchases for more flexible earning potential.

If you drive a lot for business or personal reasons, a gas credit card can help you make the most of your trips to the pump. In addition to that, here are a handful of ways to save money on gas, particularly when prices are high:

  • Use a gas app to find the cheapest gas prices in your area.
  • Join fuel rewards programs with individual gas stations.
  • Take advantage of fuel rewards programs offered by grocery stores.
  • Try carpooling or taking public transportation whenever possible.
  • Drive defensively, avoiding rapid acceleration and sudden braking.
  • Keep up with your vehicle maintenance schedule.
  • Avoid premium gas unless necessary.

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