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On average, Americans spend $2,148 on gasoline and other fuel each year, according to the Bureau of Labor Statistics. But if you have a long commute, you like to take regular road trips or you generally spend a lot on gas, these credit cards can offer great rewards on your gas-related purchases.
Whether you want no annual fee, customizable rewards or high rewards rates, or you need something for fair or poor credit, here are our top picks for the best gas credit cards.
4 Partner Offers
| Our Picks for the Best Gas Reward Credit Cards | |
|---|---|
 Wells Fargo Autograph℠ Card | 3 points per dollar at restaurants and on travel, gas stations, transit, popular streaming services and phone plans 1 point per dollar on all other purchases |
 Capital One QuicksilverOne Cash Rewards Credit Card | 5% cash back on hotels and rental cars booked through Capital One Travel; terms apply 1.5% cash back on all other purchases |
 Credit One Bank® Secured Card | 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services; terms apply |
 Bank of America® Customized Cash Rewards credit card | 3% cash back in the category of your choice (now with expanded categories); 2% back at grocery stores and wholesale clubs (up to $2,500 spent each quarter in 3% and 2% categories) 1% back on all other purchases |
Wells Fargo Autograph℠ Card
The Wells Fargo Autograph℠ Card is an excellent choice, not only for gas purchases but also for other everyday spending. The card offers an impressive 3 points per dollar at gas stations and restaurants, as well as on travel, transit, popular streaming services and phone plans. You'll earn 1 point per dollar on all other purchases.
As a new cardholder, you'll also get a limited time offer of 20,000 bonus points—worth $200—when you spend $1,000 in the first 3 months, as well as a 0% introductory APR on purchases for 12 months. After that, it's 19.74%, 24.74%, or 29.74% Variable APR, depending on your creditworthiness.
While the card earns points, you can redeem your rewards for cash back. Other options include statement credits, gift cards, travel and online shopping through PayPal. The card has no annual fee.
Capital One QuicksilverOne Cash Rewards Credit Card
If you have fair or limited credit, it can be challenging to find a good rewards credit card. With the Capital One QuicksilverOne Cash Rewards Credit Card, you'll earn 5% cash back on hotels and rental cars booked through Capital One Travel and 1.5% back on everything else—just like its sister card for good credit. Terms apply.
The difference is that this card charges a $39 annual fee. But if you spend at least $2,600 each year, you'll earn enough in rewards to get your money back. The card has no welcome bonus or introductory 0% APR promotion.
Capital One QuicksilverOne Cash Rewards Credit Card
on Capital One's website
Recommended FICO® Score*
Capital One QuicksilverOne Cash Rewards Credit Card
APR
29.99% (Variable)
Intro APR
Rewards
1.5% Cash Back on every purchase, every day, 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
1.5% Cash Back on All Purchases
Annual Fee
$39
Card Details
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
- Be automatically considered for a higher credit line in as little as 6 months
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Help strengthen your credit for the future with responsible card use
- 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
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
Credit One Bank® Secured Card
If your credit is in poor shape, the Credit One Bank® Secured Card could be a good fit. The card offers 1% cash back on gas, groceries and mobile phone, internet, cable and satellite TV services. The cash back you earn is automatically redeemed as a statement credit each billing cycle.
The card doesn't charge an annual fee, but note that you'll need to put up a security deposit of at least $200 to get approved—your credit limit will be equal to your deposit.
Credit One Bank® Secured Card
on Credit One Bank's website
Terms Apply
Recommended FICO® Score*
Credit One Bank® Secured Card
APR
29.24% Variable
Intro APR
Rewards
Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone, internet, cable and satellite TV services. Terms apply.
Annual Fee
$0
Card Details
- Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply
- With $0 Fraud Liability, you won’t be responsible for unauthorized charges
- Looking to rebuild credit? We report to the major credit bureaus monthly
- Earn interest on your required security deposit account (minimum deposit $200)
- Never miss an account update with customizable text and email alerts
- Manage your account on-the-go with the Credit One Bank mobile app
- Show off your personality by selecting from a variety of card designs, a fee may apply
Bank of America® Customized Cash Rewards credit card
If you want a bit more control over your bonus categories, consider the Bank of America® Customized Cash Rewards credit card. The card offers 3% back on a category of your choice from a list that may include gas, online shopping, dining, travel, drug stores and home improvement/furnishings. You'll also earn 2% back at grocery stores and wholesale clubs and 1% back on everything else.
The only drawback is that your 3% and 2% categories are limited to $2,500 in combined spending each quarter—after that, you'll earn just 1% back on everything. However, if you're a Bank of America Preferred Rewards member, you can earn between 25% and 75% more cash back on every purchase. You can redeem rewards as a statement credit, direct deposit or as a deposit into qualifying Merrill Lynch investment accounts.
When you first get the card, you'll earn $200 if you spend $1,000 in the first 90 days. The card also offers an introductory 0% APR for 15 billing cycles on purchases and on qualifying balance transfers made within the first 60 days. After that, the variable APR range is 18.74% - 28.74% Variable based on creditworthiness. The balance transfer fee is 4% per transaction. This card has no annual fee.
Frequently Asked Questions
How Do Gas Credit Cards Work?
For the most part, gas credit cards work the same as traditional credit cards. However, 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.
What Credit Score Do You Need for a Gas Rewards Card?
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.
How to Save Money on Gas
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 you can 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.
Get Matched With the Right Rewards Credit Card for You
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. With Experian CreditMatch™, you can get matched with credit card offers based on your credit profile.
Comparing your offers side by side, you'll be able to review rewards, welcome bonuses, 0% intro APR promotions and other card features that are important to you, making it easier to find the best rewards credit card for you.