Best Gas Credit Cards of February 2020

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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 of January 2020

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
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 (%) 11.74% - 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.

Wells Fargo Propel American Express® Card

Best for Travelers

Our Rating Among Gas Cards
3.9
Wells Fargo Propel American Express® Card
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 (%) 15.49% - 27.49% variable
Annual Fee $0
Rewards Earning Rate Earn 3X points for eating out and ordering in, gas stations, rideshares, transit, and for travel including flights, hotels, homestays and car rentals. 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.

Bank of America® Cash Rewards for Students

Best for Students

Our Rating Among Gas Cards
4.0
Bank of America® Cash Rewards for Students
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 (%) 15.49% - 25.49% 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.

Citi Premier℠

Best Sign-Up Bonus

Our Rating Among Gas Cards
3.5
Citi Premier℠
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 (%) 17.49% - 25.49% 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.

Shell Fuel Rewards®Card

Best Discount

Our Rating Among Gas Cards
3.8
Shell Fuel Rewards®Card
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 (%) 27.99% 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 2019, you’ll save 30 cents per gallon on your first five Shell fuel purchases with the card until the end of April 2020. 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.

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. 

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. 

Tip: 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