Best Gas Credit Cards of July 2020

Save at the pump with our favorite gas credit cards

We publish unbiased reviews; our opinions are our own and are not influenced by payments from advertisers. Learn about our independent review process and partners in our advertiser disclosure.

The best gas credit cards today offer higher cash-back rewards rates on gas purchases, or strong discounts to help you save on gas at the pump. Most offer a low or no annual fee, helping you avoid even more costs.

Best Gas Credit Cards

PenFed Platinum Rewards Visa Signature® Card

Best Overall

,

Best for Cash-Back Rewards

Our Rating Among Gas Cards
4.8
PenFed Platinum Rewards Visa Signature® Card
Current Offer

$100 statement credit when you spend $1,500 in the first 90 days.

Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Excellent
Regular APR (%) 13.49% - 17.99% variable
Annual Fee $0
Rewards Earning Rate Earn 5x back at gas stations, 3x back on groceries, and 1x back on all other purchases.
Foreign transaction fee (%) 0%
  • WHY WE CHOSE THIS CARD

    If you’re constantly on the road, this is the card you want for earning rewards on gas expenses. You’ll get the best gas rewards earning rate we know of offered by a cash-back card. There’s also no limit on how much you can earn on gas spending each year. We like that you can earn rewards on groceries with this card at a rate that’s on par with other cash-back cards, too. Better yet, there's no annual fee. Just note that you’ll need to become a Pentagon Federal Credit Union member before applying, though that’s easy enough to do.

  • PROS & CONS

    Pros

    • Great rewards on gas and grocery purchases
    • Minimal transaction and penalty fees

    Cons

    • Use this card for promotional balance transfers and you’ll lose the interest grace period on purchases
    • Reward redemption options are quite limited
    • Applicants must be PenFed Credit Union members
  • HIGHLIGHTS
    • $100 statement credit when you spend $1,500 in first 90 days.
    • 5x points on gas at the pump and 3x points on groceries.
    • 1x points on all other purchases.
    • No annual fee and no foreign transaction fee.

Wells Fargo Propel American Express® Card

Best for Travelers

Our Rating Among Gas Cards
4.0
Wells Fargo Propel American Express® Card
Current Offer

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months ($200 cash redemption value).

Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 14.49% - 24.99% variable
Annual Fee $0
Rewards Earning Rate Earn 3X points for eating out and ordering in, gas stations, rideshares, transit, for travel including flights, hotels, homestays and car rentals, as well as popular streaming services. Earn 1X points on other purchases.
INTRO PURCHASE APR 0% for 12 Months
Foreign transaction fee (%) 0%
  • WHY WE CHOSE THIS CARD

    You’ll earn generous rewards on both gas and travel expenses, along with some other routine purchases, like streaming service subscriptions and dining out. Those travel purchases include rideshares, transit, flights, hotels, rental cars, and homestay expenses, such as an Airbnb stay. Plus, spend $1,000 within three months of opening the card to earn a 20,000-point bonus worth $200, a good value compared to other no-annual-fee cash-back cards.

  • PROS & CONS

    Pros

    • Generous rewards rate on many common expenses
    • No annual fee

    Cons

    • Longer 0% APR offers on purchases and balance transfers exist
    • Cash back can only be redeemed in $20 or $25 increments
    • If you’ve received the bonus or interest deal before, you may not be eligible again
  • HIGHLIGHTS
    • 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – a $200 cash redemption value.
    • Earn 3 points on the following: eating out/ordering in, gas, rideshares, transit, flights, hotels, homestays, car rentals, and popular streaming services.
    • $0 annual fee.
    • No limit to points you can earn, and points don't expire as long as your account remains open.
    • Cell phone protection offers insurance against your cell phone from damage or theft.

Bank of America® Cash Rewards for Students

Best for Students

Our Rating Among Gas Cards
2.5
Bank of America® Cash Rewards for Students
Current Offer

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

Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 13.99% - 23.99% variable
Annual Fee $0
INTRO PURCHASE APR 0% for 15 Billing Cycles
Rewards Earning Rate Earn 3% cash back in the eligible category of your choice, 2% cash back at grocery stores and wholesale clubs, and 1% cash back on all other purchases. You’ll earn 3% and 2% cash back on the first $2,500 in combined categories each quarter, then 1%.
Foreign transaction fee (%) 3%
  • WHY WE CHOSE THIS CARD

    This an impressive rewards card for someone just starting to build credit and seeking money back on gas expenses. Open this card and select gas as your 3% cash back category of choice (there are seven to choose from) to start earning, and also get 2% back on grocery and wholesale club purchases, up to $2,500 in combined expenses per quarter. Enjoy a generous 0% purchase APR for 15 billing cycles, and a $200 cash rewards bonus if you spend $1,000 within 90 days of opening your account. Free FICO score access will help you track credit score growth, too, which is handy while you’re learning the ropes.

  • PROS & CONS

    Pros

    • Generous bonus for a student card
    • Rewards rate is competitive, and there’s no earning limit
    • 0% APR period offers time to establish good repayment habits while saving on interest

    Cons

    • You may need good credit to qualify
    • Rewards aren’t worth much when redeemed for cash back
  • HIGHLIGHTS
    • Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening.
    • 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings.
    • 2% cash back at grocery stores and wholesale clubs.
    • 1% cash back on all other purchases.
    • You’ll earn 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%.

Citi Premier℠

Best Sign-Up Bonus

Our Rating Among Gas Cards
3.6
Citi Premier℠
Current Offer

Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening.

Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Excellent
Regular APR (%) 15.99% - 23.99% variable
Annual Fee $95
Rewards Earning Rate Earn 3 points per $1 spent on travel including gas stations, 2 points per $1 spent at restaurants and on entertainment, and 1 point per $1 spent on all other purchases.
Foreign transaction fee (%) 0%
  • WHY WE CHOSE THIS CARD

    Spend $4,000 within three months of opening this card and you’ll earn a 60,000-point bonus worth $750 when used to book airfare, according to Citi. It's a great offer if you want more immediate rewards to offset an upcoming flight or road trip. Day-to-day you’ll earn 3 points per $1 spent on travel expenses (which includes gas), 2 points per $1 spent at restaurants and on entertainment, and 1 point per $1 on everything else. There’s an annual fee, but if you’re a frequent traveler or work commuter, rewards earned can make up the cost.

  • PROS & CONS

    Pros

    • Generous rewards rate on airfare, hotel stays, and gas
    • Many ways to redeem rewards, plus the option to transfer points to participating frequent flyer programs

    Cons

    • No interest-free promotions for new cardholders
    • Very few airline transfer partners are based in the U.S.
  • HIGHLIGHTS
    • See where 60,000 points can take you after you spend $4,000 in the first 3 months of account opening. Redeemable for $600 in gift cards at thankyou.com.
    • Starting on 8/23/20, you will enjoy $100 off a single hotel stay of $500 or more, excluding taxes and fees, when booked through thankyou.com. Benefit will be available to you once per calendar year.
    • Easy points transfer to certain airline loyalty programs, including TrueBlue, Virgin Atlantic Flying Club, and Singapore Airlines KrisFlyer.

Shell Fuel Rewards®Card

Best Discount

Our Rating Among Gas Cards
3.5
Shell Fuel Rewards®Card
Current Offer

Get 5¢ off per gallon with Fuel Rewards Gold Status and 25¢/gal with the Shell Fuel Rewards Credit Card for a total of 30¢/gal (up to 20 gallons) on your first 5 Shell fuel purchases.

Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Fair - Excellent
Regular APR (%) 26.49% variable
Annual Fee $0
Rewards Earning Rate Save on each gallon of Shell gas, up to 20 gallons per fill-up: 5 cents from the card and 5 cents from automatic enrollment in the fuel rewards program. Also earn 10% back in rebates on your first $1,200 in non-fuel Shell purchases per year.
  • WHY WE CHOSE THIS CARD

    If you get the card by the end of Feb. 2021, you’ll save 30 cents per gallon on your first five Shell fuel purchases with the card until the end of June 2021. After that, you’ll save 10 cents per gallon. Both discounts are only good for up to 20 gallons, but they're among the heftiest gas discounts we know of. The rebates you get with the card also can save you money at the pump. They're applied as a statement credit toward your future gas purchases.

  • PROS & CONS

    Pros

    • Instant savings on fuel when you pay with this card
    • Applicants with fair credit may qualify, which could make this card good for building credit
    • 10% rebate on up to $1,200 in non-fuel Shell purchases

    Cons

    • Can only be used at Shell gas stations
    • Per-gallon gas discounts are limited to the first 20 gallons pumped
  • HIGHLIGHTS
    • Earn 10% Shell rebates on your first $1,200 Shell non-fuel purchases per year.
    • Save 5¢ a gallon on up to 20 gallons evry time you fill up.
    • Card can only be used at Shell stations.
Find Your Credit Card Match We believe the rate at which you earn rewards, as well as the overall cost of the card, are the most important factors to consider when choosing a rewards card, but we know you might have different priorities. See what suits you best.
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What Are Rewards Credit Cards & How Do They Work?

Rewards credit cards offer you specific rewards for making purchases with your credit card. Usually, for each dollar you spend, you get a percentage of your purchase in cash back or points or miles that you can use towards things like flights or hotel stays, gift cards, or Amazon purchases. For some gas rewards cards, you get discounts per gallon of gas you pump instead.

Rewards credit cards often come with higher interest rates, so it’s a good idea to get one only after you’ve got the basics of good credit card management down. Always aim to pay your balance in full and on time each month.

What Are the Different Types of Gas Rewards Credit Cards?

  • Cash-back rewards
  • Points-based or miles-based rewards
  • Branded discount rewards 

How Do Cash-Back and Points Rewards Work?

Cash back and points or miles are generally offered on broader rewards cards and don’t require you to buy a specific brand of gas. For example, you may get 2% cash back or 2 miles per $1 spent at any gas station. 

Some cards offer this as a steady earnings rate, while other cards have rotating bonus categories that only land on gas purchases at select times. You may even need to “activate” your gas bonus in order to take advantage of the higher rewards rate. Then, when it comes time to redeem your rewards, you’ll likely have different options for using your points or miles. Some redemption options may give you more value per point than others. Even redeeming cash back can be tricky because of expiration dates and other rules. 

How Do Cards With Discounts Work?

Discount gas rewards cards are simpler. Just pay with your card and then get a discount—usually per gallon or as a percentage of your purchase—either right at the pump or in the form of a statement credit later. (A discount of 10 cents per gallon would equate to about 3% off if a gallon of gas cost $3.)

Keep in mind these cards are generally offered only by specific gasoline brands. Some can’t be used for anything beyond that brand, and even if they can be used elsewhere, filling up at the pump will typically earn more rewards. 

While this may sound restricting, branded cards can be a good way to separate your spending if you tend to run a credit card balance on less regular purchases. In other words, if you know you can afford your monthly gas bill, get a branded gas card to make sure you’re not paying any interest on this basic budget item.

Some gas stations charge more per gallon if you pay with a credit card. This can offset the benefit of any rewards. 

What Are the Pros & Cons of Gas Credit Cards?

Pros
  • Helps to build credit

  • Branded cards offer less temptation to overspend because gas is a defined expense

  • Rewards rates of 3% are common

Cons
  • Some cards are limited to specific brands

  • Rewards can be erased by credit card surcharge at the pump

How Should You Choose a Gas Rewards Card?

There are simple and sophisticated gas rewards cards, and the best fit for you depends on how much time you’re willing to spend to get a good deal as well as your travel and spending habits.

Here are some questions to ask yourself:

  • Do I always go to the same gas stations or am I frequently in new places? 
  • Are there gas stations on my regular route that don’t charge extra to pay with a credit card?
  • Do I want to keep my gas purchases separate (either to avoid finance charges or for other record-keeping?) 
  • Am I going to pay off my card in full each month, or might I carry a balance? (If it’s the latter, you may want to look for a low-interest credit card and forget about rewards for now.)
  • Do I want to use my rewards to treat myself or would I rather just save a little money on my gas?
  • If there is an annual fee, will I earn enough rewards to more than recoup that cost?

Once you’ve answered these questions, make a list of cards that tick all of your required boxes, and then choose the one that offers the highest rewards rate for the lowest amount of fees and interest charges. 

Here’s the rundown of the gas credit cards we think are best:

Best Gas Credit Cards
Credit Card Category Annual Fee
PenFed Platinum Rewards Visa Signature Card Best Overall $0
Wells Fargo Propel American Express Card Best for Travelers $0
Bank of America Cash Rewards for Students Best for Students $0
Citi Premier Best Sign-Up Bonus $95
Shell Fuel Rewards Card Best Discount $0
PenFed Platinum Rewards Visa Signature Card Best for Cash-Back Rewards $0

How Can You Accumulate Rewards Faster?

If your gas card can be used for other types of purchases that you’d make anyway, use it whenever possible. That is, as long as the rewards rate can’t be beaten by another card in your wallet. 

And if you haven’t gotten a gas card yet, look for one with a sign-up bonus. Unlike sign-up bonuses on other types of rewards cards, these may not require you to spend a certain amount to get them. Some may offer you a bigger discount for the first few months if you use their app, for instance. 

Keep in mind, too, that you won’t always get the same value from your rewards, so look for redemption options worth at least 1 cent per point or mile. Some gas rewards cards (usually the broader ones that reward other spending categories too) give you the choice to get cash back, buy gift cards or merchandise, book travel, or transfer your points to another loyalty program. Often you’ll get the least value from gift cards and merchandise. 

We’ve said it once, but it’s worth repeating: Make sure you pay off your balance in full each month. Paying interest on a revolving balance will erode the value of any rewards you earn, and could even be more expensive in the long run. 

Can You Get a Gas Rewards Card With Bad Credit?

Yes, if you’re willing to shop around. Some cards may require good credit, but often branded gas cards don’t look for more than fair credit, and it’s even possible to get a rewards card with bad credit