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BMW Card
BMW Card
- 20.49% to 29.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.49% to 29.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for 12 months from account opening date Intro Purchase APR
At a Glance
The BMW Card earns cardholders four points for every dollar they spend on qualifying BMW purchases. Additionally, cardholders earn three points for every dollar spent on gas and two points for every dollar spent on dining purchases. All other purchases earn cardholders one point for every dollar they spend. What’s more, this card offers an introductory 0% APR promotion on balance transfers and purchases for 12 months. All these features are available for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Earn 4X points on BMW purchases
- Earn 3X points on gas purchases, 2X points on dining, and 1X points on everything else
- Enjoy 0% APR on balance transfers and purchases for 12 months
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 20.49% to 29.49% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months for balances transferred within 30 days from account opening date
- Balance Transfer APR: 20.49% to 29.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- 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
- Foreign Transaction Fee: Up to 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You own or plan to own a BMW
- You don’t want to pay an annual fee to use a credit card
- You want to earn additional points on gas and dining purchases
- You would like to take advantage of 0% APR on purchases for 12 months
- You need to transfer a balance and plan to pay it off in 12 months
BMW Precision World Elite Mastercard
BMW Precision World Elite Mastercard
- 20.49% to 29.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.49% to 29.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The BMW Precision World Elite Mastercard is a premium auto rewards credit card from U.S. Bank and BMW. The card, which charges a $99 annual fee, offers 5X points on BMW purchases, 3X points on gas, 2X points on dining, and a flat rate of 1.5X points on all other purchases. The card also boasts a $70 annual dealer credit and no foreign transaction fees.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn up to 5X points per $1 on purchases
- Get an annual $70 dealership credit
- Get up to $1,000 in annual coverage for damage or theft of your cell phone
- Free ShopRunner membership
- No foreign transaction fees
- Regular Purchase APR: 20.49% to 29.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 20.49% to 29.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- 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
- Annual Fee: $99
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You prefer to have their vehicle’s maintenance done at a BMW dealership
- You travel frequently and make purchases abroad or in foreign currencies
- You want an everyday card that offers versatility – for a price
FIAT® DrivePlus Mastercard®
FIAT® DrivePlus Mastercard®
- 21.24% to 30.24% variable based on creditworthiness and Prime Rate Regular Purchase APR
- 21.24% to 30.24% variable based on creditworthiness and Prime Rate Balance Transfer APR
- 29.74% variable based on the Prime Rate Cash Advance APR
- 0% for 6 months from the transaction date for eligible purchases Intro Purchase APR
At a Glance
The Fiat DrivePlus Mastercard is a co-branded cash back credit card from First National Bank of Omaha The card, an auto rewards credit card, gives loyal Fiat vehicle owners the chance to earn a $1,000 bonus certificate, a $100 statement credit, and up to 5% back in points on purchases. Points can be redeemed for cash back, gift cards, and travel or for parts, vehicle maintenance services, and the purchase or lease of a new vehicle.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 5% back on FCA US purchases, 2% back on gas and travel purchases, and 1% back on all other purchases
- Redeem rewards for double the value at FCA US dealerships
- 0% APR special financing for 6 billing cycles on every FCA US dealership purchase of $499 or more
- When you spend $7,500 in your first year you will receive $1,000 Bonus Certificate towards the purchase of your next FCA vehicle
- Intro Purchase APR: 0% for 6 months from the transaction date for eligible purchases
- Regular Purchase APR: 21.24% to 30.24% variable based on creditworthiness and Prime Rate
- Balance Transfer APR: 21.24% to 30.24% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.74% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $15 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 $40
- Return Payment Penalty Fee: Up to $35
- You're planning to buy a new card within 12 months
- You will spend at least $7,500 within 12 months
- You plan on making a $100 purchase at an FCA US dealership within the first 30 days
- You prefer FCA vehicles (including Chrysler, Dodge, Jeep, Ram, Fiat)
Mopar® DrivePlus Mastercard®
Mopar® DrivePlus Mastercard®
- 21.24% to 30.24% variable based on creditworthiness and Prime Rate Regular Purchase APR
- 21.24% to 30.24% variable based on creditworthiness and Prime Rate Balance Transfer APR
- 29.74% variable based on the Prime Rate Cash Advance APR
- 0% for 6 months from the transaction date for eligible purchases Intro Purchase APR
At a Glance
The Mopar® DrivePlus Mastercard® is a rewards-heavy auto rewards credit card for shoppers of all things Mopar. With enticing introductory offers as well as continuous rewards, it’s an easy contender for the title of daily credit card.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 5% back on FCA US purchases, 2% back on gas and travel purchases, and 1% back on all other purchases
- $100 statement credit when you spend $499 in FCA US purchases in your first billing cycle after the account is opened
- 0% APR special financing for 6 billing cycles on every FCA US dealership purchase of $499 or more
- When you spend $7,500 in your first year you will receive $1,000 Bonus Certificate towards the purchase of your next FCA vehicle.
- Intro Purchase APR: 0% for 6 months from the transaction date for eligible purchases
- Regular Purchase APR: 21.24% to 30.24% variable based on creditworthiness and Prime Rate
- Balance Transfer APR: 21.24% to 30.24% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.74% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $15 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 $40
- Return Payment Penalty Fee: Up to $35
- You own an FCA vehicle (FIAT, Chrysler, Dodge, Jeep, Ram, SRT)
- You frequently make Mopar products purchases
- You plan to make daily purchases with your credit card
- You regularly make purchases at US FCA dealerships
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
You've viewed 5 of 90 credit cards
What is a Gas Rewards Credit Card?
If you’re a frequent driver, you know that the cost of gas can quickly add up. But did you know that there’s a way to save money every time you fuel up?
A gas rewards credit card is a card that offers exclusive rewards on purchases of gasoline at gas stations. These cards typically provide bonuses in the form of cash back. However, some options allow cardholders to use their gas savings towards other types of loyalty program rewards.
How Do Gas Cards Work?
Gas rewards credit cards are designed to provide you with cash back, or rewards points every time you purchase the pump. These cards are typically co-branded with major gasoline retailers and offer incentives for loyalty. When you use a gas rewards credit card, you earn a percentage of your fuel purchase back as a reward. The more you spend on gas, the more rewards you accumulate.
Types of Fuel Rewards Cards
Gas cards, also known as fuel rewards credit cards, can be divided into three unique groups:
- Open-looped co-branded credit cards: This type of gas card is specifically branded for one gas station chain, such as Shell, Texaco, Marathon, and more. These cards also utilize the Visa or Mastercard payment network. As a result, cardholders can earn gas rewards anywhere they see the Visa or Mastercard logo worldwide.
- Closed-loop co-branded credit cards: Similar to open-loop gas cards, these cards are tied exclusively to a particular gas station chain. However, they do not have a payment network of open-looped cards. For example, they lack logos from Visa, Mastercard, or American Express. These cards offer rewards and discounts that can only be redeemed at their respective stations.
- Unbranded gas credit cards: Essentially cash back credit cards, unbranded gas cards provide enhanced rewards on gas station purchases. These cards offer the flexibility to earn rewards and discounts at any gas station, making them a more versatile option for consumers.
Benefits of Fuel Rewards Credit Cards
Using a gas rewards credit card has numerous benefits beyond the obvious savings at the pump:
Additional Rewards On Everyday Categories
These cards often offer additional rewards for purchases made at affiliated retailers, such as grocery stores or restaurants. This means that you can earn rewards not just on gas but also on your everyday expenses.
Build Credit
Additionally, gas rewards credit cards can help you build credit. Closed-loop credit cards typically have reduced credit score requirements, making them ideal options for those with a limited credit history. Using your card responsibly and making timely payments shows lenders that you are a reliable borrower. This can improve your credit score over time, opening up opportunities for better future interest rates on loans and credit cards.
Useful Perks & Protections
Finally, many gas rewards credit cards have valuable perks, such as roadside assistance, trip reimbursement or delay protection, or travel insurance. These travel benefits can provide extra peace of mind and save you money on services you might otherwise have to pay for separately.
How to Find the Perfect Gas Rewards Credit Card for Your Lifestyle
With dozens of gas rewards credit cards available, finding the one that perfectly aligns with your lifestyle and spending habits is essential. Here are a few tips to help you make an informed decision:
Assess Your Driving and Spending Habits
- Understand Your Driving Patterns: Begin by evaluating your driving habits. Do you have a preferred gas station where you usually fill up? If so, opting for a gas rewards credit card affiliated with that specific retailer could potentially yield higher rewards, making it a lucrative choice for frequent customers of that brand.
- Consider Your Overall Spending: Look beyond just gas purchases. If a significant portion of your expenses goes towards groceries or dining out, you might consider a gas rewards credit card offering additional rewards for these categories. This approach allows you to earn rewards not only on fuel but also on your everyday purchases, enhancing your overall savings.
Compare Fees and Interest Rates
- Evaluate Annual Fees: When comparing different gas rewards credit cards, it’s crucial to weigh the annual fees against the potential rewards. While some cards come with no annual fees, others may charge a fee in exchange for more attractive rewards. By analyzing your spending patterns and calculating the potential rewards, you can determine whether the benefits outweigh the cost of the annual fee.
- Assess Interest Rates: In addition to annual fees, consider the interest rates associated with each card. While the allure of rewards is significant, it’s equally important to ensure that you’re not paying exorbitant interest in the long run. Understanding the interest rates will help you make a well-rounded decision that aligns with your financial goals.
Tips for Maximizing Gas Savings
Here are some useful strategies to maximize your gas savings with a gas credit card:
Utilize Gas Station Reward Programs
Many gas stations offer their own rewards programs that can be used with your gas rewards credit card. By signing up for these programs, you can earn additional savings or rewards on your fuel purchases.
Monitor Gas Prices and Purchase Timing
Keep an eye on gas prices in your area and try to fill up when prices are lower. Additionally, consider purchasing gas during off-peak times or days when prices are more competitive.
Combine with Other Spending
Look for gas rewards credit cards that offer rewards on other spending categories, such as groceries or dining. By using the same card for these purchases, you can accumulate more rewards to offset your gas expenses.
Use Apps and Tools for Price Tracking
Explore mobile apps or online tools that track gas prices in your area and provide notifications when prices drop. This can help you time your fuel purchases to take advantage of lower prices.
What’s Best for Gas – Cash Back or Co-Branded Rewards Card?
Two types of credit cards will reward users for paying at the pump. Each has its pros and cons. Both offer unique ways to save money at gas stations across the country. While both types of credit card are rewards cards, the way those rewards are earned set them apart. To earn gas rewards, consumers can choose from: co-branded gasoline rewards cards, and cash back credit cards.
Co-Branded Gas Cards
The biggest caveat with a co-branded gas card is that the perks they offer are not available at every gas station. However, the rewards from co-branded gasoline cards can be combined with the rewards from the loyalty programs of these brands. This can significantly boost the rewards the cardholder earns if they have joined the loyalty program.
Using a Cash Back Credit Card for Gas
Cash back credit cards that offer rewards in the gasoline spending category are another good alternative when paying at the pump. The main thing to consider here is the rate at which cash back can be earned for gasoline. Depending on the card, consumers can earn as much as 5% cash back on gasoline purchases. Cash back is issued as a percentage of the total purchase. A rate of 1% would mean that a cardholder earns a reward of $0.01 for every $1 they spend. A 5% rate would reward $0.05 per dollar, and so on.
Discover offers several cash back credit cards that can be used for gasoline. The Discover it® Chrome Gas and Restaurants card features 2% cash back at gas stations and restaurants. Alternatively, the Discover it® Cash Back card features 5% cash back in a category the cardholder chooses. Categories include gasoline, restaurants, groceries, online shopping, and more. A cardholder who selects gasoline as their spending category can earn 5% back at the pump.
Paying for Gas with Cash
As the old adage goes, “Cash is King.” However, in the era of smartphones, digital wallets, and online payments, cash is not always practical. Carrying cash has become less common as technology has paved the way for more convenient means of making payments. Although more and more people pay with cards, cash is universally acceptable. Gas stations typically offer a “discount” for customers who pay with cash. In a pinch, people who want to save money at the pump can use cash to pay for gas. Although those savings aren’t usually significant, they are still savings.
FAQs
Here are answers to some of the most commonly asked questions about credit cards that earn rewards and save money on gas:
- If you frequently purchase gasoline, the answer is yes. Gas and fuel rewards credit cards provide impressive savings for people who fill up regularly on their daily commute.
- How rewards are redeemed and earned will vary between credit cards and loyalty programs. With Exxon Mobil Rewards, for example, cardholders earn additional rewards when using the mobile app. Rewards often appear as statement credits, offsetting costs of purchasing fuel.
- Gas rewards credit cards are a type of retrial card. Since they are retail cards, they are typically easier to get than other credit cards, which have higher credit score requirements. A fair credit score is usually enough to get a good fuel rewards credit card. A fair FICO score is above 580 (between 580 – 669).
- No. Some gas cards or retail cards do not work at all locations. Some Kroger credit cards, for example, do not earn rewards for fill-ups, instead only working at grocery stores. BJs credit cards may also only work for groceries or wholesale purchases – and not fuel. Always read the terms and conditions with a card before applying.
- You should be fine if you overpay for gas on your credit card. When you prepay, they get a pre-authorization to ensure you have that much credit available on your card and hold that credit. Then when you fill up your tank and go back and pay, ideally, the total charge will end up on there, and the original pre-authorization will go away. If there is an issue, alert the staff at the gas station. You may need to provide a receipt as proof of the miscalculation, although the store may have a digital receipt.
- No. No manual entry is allowed with modern gas pumps.
- Gas rewards credit cards typically require average or good credit to apply.
Conclusion
Gas rewards credit cards are a powerful tool for saving money on your fuel expenses. By understanding how they work, choosing the right card, and implementing smart strategies, you can maximize your savings and enjoy additional perks. Remember always to use your gas rewards credit card responsibly and pay your balance in full each month. Start your journey to savings today by applying for a gas rewards credit card that aligns with your driving habits and financial goals.
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