Gas rewards are among the most sought-after category in credit card benefits – more so now with high gas prices. Who doesn’t want to earn points, cash back, or rebates on every purchase at the pump? With so many gas cards on the market, it can be tough to find the right offer for you, but we’ve shortlisted a few that stand out from the rest. Here are our top picks for the best credit cards for gas rewards.
At a Glance
The Best Gas Rewards Credit Cards
Gas rewards credit cards offer exclusive rewards on purchases of gasoline at gas stations and typically provide bonuses like cash back. However, some options let cardholders use their gas savings towards other types of loyalty program rewards.
Citi Custom Cash℠ Card
Citi Custom Cash℠ Card
Citi Custom Cash℠ Card
- 18.99% – 28.99% (Variable) Regular Purchase APR
- 18.99% – 28.99% (Variable) Balance Transfer APR
- 29.99% (Variable) Cash Advance APR
- 0% for 15 months on Purchases Intro Purchase APR
At a Glance
The Citi Custom Cash? Card is a generous cash back credit card that offers up to 5% back on eligible purchases. The card, from Citi, does not charge an annual fee and rewards 5% back on the top spending category each month, with options including transit, travel, gas, groceries, dining, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.99% – 28.99%, based on your creditworthiness.
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
- No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- No Annual Fee
- Citi will only issue one Citi Custom Cash℠ Card account per person.
- Intro Purchase APR: 0% for 15 months on Purchases
- Regular Purchase APR: 18.99% – 28.99% (Variable)
- Intro Balance Transfer APR: 0% for 15 months on Balance Transfers
- Balance Transfer APR: 18.99% – 28.99% (Variable)
- Balance Transfer Transaction Fee: 5% of each balance transfer; $5 minimum.
- Cash Advance APR: 29.99% (Variable)
- Cash Advance Transaction Fee: 5% of each cash advance; $10 minimum
- Penalty APR: Up to 29.99% (Variable)
- Annual Fee: $0
- Foreign Transaction Fee: 3%
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You want to earn 5% back but do’t want quarterly categories
- You plan on spending $1,500 within the first 90 days
- You have a large purchase in mind that you want to pay down over time
- You plan on transferring an existing balance within the first four months
- You don’t want to pay an annual fee
The Citi Custom Cash℠ Card is a generous, no annual fee cash back credit card that can earn up to 5% back on eligible purchases. Unlike other 5% rotating cards (like the Discover It Cash Back and Chase Freedom Flex), the Custom Cash earns 5% back on your highest spending category each billing period.
The 5% back in rewards applies to the first $500 spent every billing period. Any eligible purchases after that threshold will earn 1% back. Here are the 5% back categories:
| Dining | Fitness clubs | Grocery stores |
| Drugstores | Gas stations | Home improvement stores |
| Travel & transit (select) | Live entertainment | Streaming service (select) |
Other noteworthy features of the Custom Cash credit card from Citi include 15 months of 0% intro APR on purchases and balance transfers and a $200 cash back welcome bonus after making $750 in purchases within the first three months of opening an account.
Sam’s Club® Mastercard®
Sam’s Club® Mastercard®
Sam’s Club® Mastercard®
- 20.9% or 28.9% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.9% or 28.65% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 25.90% or 31.65% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The Sam’s Club® Mastercard® offers Sam’s Club members everywhere up to 5% cash back on gas purchases, 3% back on dining, and more – all for no annual fee. From Synchrony Bank, the card also features no foreign transaction fees, Mastercard’s near-global acceptance, and special savings when shopping at Sam’s locations nationwide.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 5% cash back on gas anywhere Mastercard is accepted (on first $6,000 per year, then 1%)
- Earn 3% cash back on Sam’s Club purchases for Plus members. Club members earn 1% cash back
- Earn 3% cash back on dining and takeout
- Earn 1% cash back on other purchases at Sam’s Club and wherever Mastercard is accepted
- No annual fee
- Regular Purchase APR: 20.9% or 28.9% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 20.9% or 28.65% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
- Cash Advance APR: 25.90% or 31.65% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $40
- You’re a current Sam’s Club or Sam’s Club Plus member
- You frequently purchase gasoline with a credit card
- You do’t want to pay an annual fee or foreign transaction fee
- You spend heavily on dining each month
The Sam’s Club® Mastercard® is a versatile cash back rewards card that offers members exclusive savings and features no annual fee with a valid Sam’s Club membership.
The card’s major highlight is its impressive savings on gas purchases, earning rewards at a rate of 5% cash back on gas purchases anywhere Mastercard is accepted. While that 5% earning rate is capped up to the first $6,000 spent per year (after that, 1% back on all gas station purchases), that total amounts to $500 per month that you could get in return.
The Sam’s Club card also earns 3% back on Sam’s Club purchases for Plus members, with regular members earning 1% back on Sam’s Club purchases. In addition, the card earns 3% back on dining purchases – including takeout. All other purchases with the card receive 1% back at Sam’s Club and wherever Mastercard is accepted worldwide.
PenFed Platinum Rewards VISA Signature® Card
PenFed Platinum Rewards VISA Signature® Card
PenFed Platinum Rewards VISA Signature® Card
- 17.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 17.99% Balance Transfer APR
- 17.99% Cash Advance APR
At a Glance
The PenFed Platinum Rewards VISA Signature® is big on gas and groceries; earn 5x points per dollar spent on purchases made at the pump, 3x points for grocery purchases, and 1x points for all other purchases. Take advantage of a great introductory offer – 0% APR for balance transfers for up to 12 months and a special bonus statement credit as you earn points on everyday purchases towards travel, shopping and gift cards.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 5X points per dollar spent on gas at the pump and EV charging stations and 3X points on groceries. 1X points on all other purchases
- 15,000 bonus points when you spend $1,500 in first 90 days of card account opening
- 0% intro APR on balance transfers for 12 months after account opening
- No annual fees and no foreign transaction fees
- Regular Purchase APR: 17.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months from account opening date
- Balance Transfer APR: 17.99%
- Balance Transfer Transaction Fee: 3% of the transfer amount
- Cash Advance APR: 17.99%
- Penalty APR: 17.99%
- Late Payment Penalty Fee: Up to $28
- Return Payment Penalty Fee: Up to $25
- You spend money on gas and groceries often
- You will spend $1,500 in the first 90 days to earn a 15,000 bonus points
- You want a card with no annual fees and no foreign transaction fees
- You want to transfer a large balance with no interest for 12 months
The PenFed Platinum Rewards Visa Signature is an impressive gas rewards card that only misses out on the top spots because of its reduced availability. However, that doesn’t mean that the card isn’t one of the premier gas rewards credit cards today.
Issued by Pentagon Federal Credit Union, the card earns an impressive 5X points per dollar spent on purchases made at gas stations, 3X points for grocery purchases, and 1X points for all other purchases. The card also comes with 15,000 bonus points (after spending at least $1,500 in purchases in the first 90 days), a 0% intro APR on balance transfers for the first year, and no annual fee. Moreover, you can redeem your points on travel, gift cards, or merchandise shopping.
Hilton Honors American Express Surpass® Card
Hilton Honors American Express Surpass® Card
Hilton Honors American Express Surpass® Card
- 20.99% to 29.99% variable based on creditworthiness and Prime Rate Regular Purchase APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
If you regularly stay at Hilton properties, the accelerated ability to earn bonus points and a sizable introductory bonus offer help the Hilton Honors American Express Surpass Card really stand out. Card members also receive complimentary Hilton Honors Gold status, which entitles them to guaranteed member discounts, digital check-in, complimentary breakfast, and a host of other perks, all for a competitive annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio
- 6X Hilton Honors points per $1 spent on purchases at U.S. restaurants, U.S. supermarkets, U.S. groceries, U.S. online retail, and U.S. gas stations
- 3X Hilton Honors points on all eligible purchases
- Complimentary Gold status with your card
- Free Weekend Night Reward after spending $30,000 on your card in a calendar year
- No foreign transaction fees
- Earn 170,000 bonus points and a free night after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 3 months of Card Membership
- Regular Purchase APR: 20.99% to 29.99% variable based on creditworthiness and Prime Rate
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.99% variable based on the Prime Rate
- Annual Fee: $150
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You regularly stay at Hilton properties and want to quickly earn Hilton Honors Bonus Points
- You will spend enough with the card in the first three months of opening an account to earn a very generous welcome offer
- You want the convenient benefits that come with complimentary Hilton Honors Gold status, as well as Hilton Honors Diamond status if you spend $40,000 on eligible purchases through the end of the next calendar year
The Hilton Honors American Express Surpass® Card is a hotel rewards card that offers considerable value for its modest $95 annual fee. Part of that value comes from the 6X points it earns at U.S. gas stations, grocery stores, and U.S. restaurants (including takeout and delivery services). Additionally, the card earns 12X points on eligible purchases at Hilton resorts and properties worldwide.
While the rewards earned with the Surpass card aren’t in the form of cash back, Hilton Honors points provide quality value in exchange. For example, the 6X points on gas have an approximate value of 3.2% cash back – demonstrating why the Surpass makes the cut for “best credit cards for gas rewards.” Hilton Honors points are redeemable for award nights at Hilton properties, shopping for merchandise, pooling with family or friends, or you can transfer them to over 40 partner airline loyalty programs.
However, the Surpass provides even greater value beyond the lucrative rewards. The card also grants ten free airport lounge visits annually (upon enrollment) through Priority Pass Select. That perk normally costs $299 a year – more than triple the card’s $95 annual fee.
AARP® Essential Rewards Mastercard® from Barclays
AARP® Essential Rewards Mastercard® from Barclays
AARP® Essential Rewards Mastercard® from Barclays
- 21.99%, 25.99% or 30.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 21.99%, 25.99% or 30.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 31.49% variable based on the Prime Rate Cash Advance APR
At a Glance
The AARP® Essential Rewards Mastercard® from Barclays is a versatile rewards credit card for seniors over the age of 50. The card offers up to 3% cash back on gas and drug store purchases and 2% back on most medical expenses – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- 0% APR for 15 months on balance transfers
- Earn 3% back on gas station and drug store purchases
- Earn 2% back on medical expenses
- Regular Purchase APR: 21.99%, 25.99% or 30.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 15 months from account opening date
- Balance Transfer APR: 21.99%, 25.99% or 30.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 31.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
- You are an AARP member
- You prefer cash back rewards over travel perks
- You have an existing credit card balance to pay down at a lower interest rate
- You do’t want to pay an annual fee
You might not think of AARP and gas rewards in the same breath, but for seniors looking to save, the AARP® Essential Rewards Mastercard® from Barclays is an exceptional offer to consider. A sibling to the AARP® Travel Rewards Mastercard, the Essential Rewards Card earns 3% cash back on both gas station and drug store purchases. Cardholders also earn 2% back on medical expenses, which can be valuable for many AARP members. Here’s how AARP classifies eligible medical transactions:
| Eligible AARP® Medical Purchases | |||
|---|---|---|---|
| Dentists | Orthodontists | Osteopaths | Chiropractors |
| Optometrists | Ophthalmologists | Opticians | Chiropodists |
| Podiatrists | Hospitals | Medical & Dental Labs | Ambulances |
| Hearing Aids | Glasses and Lenses | Orthopedics | Prosthetics |
| Nursing & Care Services | Medical Services & Health Practitioners Not Elsewhere Classified (NEC) | Doctors Not Elsewhere Classified (NEC) | Other Related MCCs |
All other purchases with the card earn 1% back, with no limit to the total amount of rewards earnable, and rewards never expire if the account is open and in good standing. Rewards are redeemable for airfare, hotel bookings, or as statement credits or deposits into linked external bank accounts.
Additionally, new accounts enjoy a 0% introductory APR for 15 months on balance transfers made within 45 days of opening an account; a competitive, variable APR after that; and no annual fees. Put all that together and you have a decent rewards card for new or future AARP members. And to top it all off, you don’t even have to be 65+ to join.
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The GM Business Card™ from Marcus by Goldman Sachs is a versatile business rewards credit card that can help companies earn at the pump and elsewhere for no annual fee. The card lacks versatile redemption options but provides lucrative rewards for vehicle servicing, parts, office supplies, dining, and gas station purchases. Here’s how the card’s rewards break down:
- 5% back on parts, service, and accessories at authorized GM Dealers
- 3% back at gas stations, restaurants, and office supply stores
- 1% back on all other purchases
The card also includes a 0% intro APR period, where new accounts can take advantage of zero interest for 12 months on purchases – followed by a competitive, variable rate after that. Even better, the GM Business credit card comes with a fairly easy-to-reach welcome offer. Add in complimentary employee cards, no foreign transaction fees or cash advance fees, and Mastercard Business protections, and you have a quality business gas card for everyday use.
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