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Best Gas Credit Cards for March 2024

Lower some of your everyday spending by using a credit card that earns rewards for gas.

  • CNET'S PICK
    CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
    7.5/10
    Annual Fee $0
    Rewards Rate
    1% - 5% 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.; Earn unlimited 1% cash back on all other purchases.
    Intro offer available Earn $200 in cash back after you spend $1500 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.
  • CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
    7/10
    Annual Fee $95
    Rewards Rate
    1x - 3x Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels; Earn 3 Points per $1 spent at Restaurants and Supermarkets; Earn 1 Point per $1 spent on all other purchases
    Intro offer available Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening.
    Apply Now with Citi
  • CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
    8/10
    Annual Fee $0 intro annual fee for the first year, then $95.
    Rewards Rate
    1% - 6% 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 6% Cash Back on select U.S. streaming subscriptions; 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more; 3% Cash Back at U.S. gas stations; 1% Cash Back on other purchases
    Intro offer available Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
    9/10
    Annual Fee $0
    Rewards Rate
    1% - 2% Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.; Earn 1% unlimited cash back on all other purchases – automatically.
    Intro offer available Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
    9/10
    Annual Fee $0
    Rewards Rate
    1% - 5% Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year; Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year; Earn 1% cash back on all other card purchases with no limit to the amount you can earn
    Intro offer available Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
  • CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
    7/10
    Annual Fee $0
    Rewards Rate
    1% - 5% 5% cash back on gas (on the first $6,000 per year, then 1% after); Plus members earn 3% back on eligible purchases when shopping in-club or digitally through Sam’s Club when they use their Sam’s Club Mastercard and another 2% back from their Plus membership, for a total of up to 5% rewards on eligible purchases.; 3% cash back on dining and takeout; 1% cash back on all other eligible purchases.
  • CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
    5/10
    Annual Fee $0
    Rewards Rate
    1% - 4% 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter; 3% cash back on restaurants and eligible travel purchases; 2% cash back on all other purchases from Costco and Costco.com; 1% cash back on all other purchases

If you’re regularly behind the wheel, fluctuating gas prices could put a surprise dent in your monthly budget. To lessen the pain at the pump, consider adding a gas credit card to your wallet. They specialize in earning rewards for gas spending and can help you earn as much as 5% cash back at the pump. Many offer rewards for other kinds of spending too, in addition to a number of other perks. 

Here are some of our favorites.

CNET’S PICK
7.5/10
CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Intro Offer
$200 Earn $200 in cash back after you spend $1500 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.
Annual Fee
$0
Rewards Rate
1% – 5% 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.; Earn unlimited 1% cash back on all other purchases.
Rec. Credit Recommended Credit: A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.
580 – 850 Fair – Excellent
APR
19.24% – 29.24% (Variable)

The Citi Custom Cash® Card allows cardholders to earn 5% cash back on their highest eligible spending category, on up to $500 of expenditure within a billing cycle, then 1%. Gas stations are an eligible category. This 5% gets applied automatically depending on your spending within the billing cycle, so be sure to use this card primarily for gas. For most commuters, this card will maximize your cash-back earnings on gas savings over all others.

Other eligible spending categories include restaurants, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs and live entertainment.

Check out our full review of the Citi Custom Cash® Card.

Intro Balance Transfer APR
0% for 15 months on balance transfers
Intro Purchase APR
0% for 15 months on purchases
Regular APR
19.24% – 29.24% (Variable)
Balance Transfer Fee
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
5%
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.
1%
Earn unlimited 1% cash back on all other purchases.

The Citi Custom Cash® Card allows cardholders to earn 5% cash back on their highest eligible spending category, on up to $500 of expenditure within a billing cycle, then 1%. Gas stations are an eligible category. This 5% gets applied automatically depending on your spending within the billing cycle, so be sure to use this card primarily for gas. For most commuters, this card will maximize your cash-back earnings on gas savings over all others.

Other eligible spending categories include restaurants, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs and live entertainment.

Check out our full review of the Citi Custom Cash® Card.

Intro Balance Transfer APR
0% for 15 months on balance transfers
Intro Purchase APR
0% for 15 months on purchases
Regular APR
19.24% – 29.24% (Variable)
Balance Transfer Fee
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
5%
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.
1%
Earn unlimited 1% cash back on all other purchases.
7/10
CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Apply Now
with Citi
Intro Offer
60,000 points Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening.
Annual Fee
$95
Rewards Rate
1x – 3x Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels; Earn 3 Points per $1 spent at Restaurants and Supermarkets; Earn 1 Point per $1 spent on all other purchases
Rec. Credit Recommended Credit: A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.
670 – 850 Good – Excellent
APR
21.24% – 29.24% (Variable)

The Citi Premier Card is a great option for anyone who does most of their spending at gas stations (and supermarkets, restaurants, hotels or air travel). When you spend in those categories, you’ll earn 3x points for every dollar you spend, compared with just 1x points per dollar in all other spending categories.

These points can be redeemed for 1 cent each as a statement credit -- essentially netting you 3% return on gas station purchases. Plus, there’s no cap on the amount you can earn the 3x points on. The only downside is its $95 annual fee, so make sure you’re earning enough in rewards to make up for it. Check out our full review of the Citi Premier Card for more details on its other benefits.

Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
21.24% – 29.24% (Variable)
Balance Transfer Fee
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
3x
Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
3x
Earn 3 Points per $1 spent at Restaurants and Supermarkets
1x
Earn 1 Point per $1 spent on all other purchases

The Citi Premier Card is a great option for anyone who does most of their spending at gas stations (and supermarkets, restaurants, hotels or air travel). When you spend in those categories, you’ll earn 3x points for every dollar you spend, compared with just 1x points per dollar in all other spending categories.

These points can be redeemed for 1 cent each as a statement credit -- essentially netting you 3% return on gas station purchases. Plus, there’s no cap on the amount you can earn the 3x points on. The only downside is its $95 annual fee, so make sure you’re earning enough in rewards to make up for it. Check out our full review of the Citi Premier Card for more details on its other benefits.

Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
21.24% – 29.24% (Variable)
Balance Transfer Fee
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
3x
Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
3x
Earn 3 Points per $1 spent at Restaurants and Supermarkets
1x
Earn 1 Point per $1 spent on all other purchases
Best card for filling up your tank and your stomach

U.S. Bank Altitude® Go Visa Signature® Card

9/10
CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
U.S. Bank Altitude® Go Visa Signature® Card
Intro Offer
20,000 points Intro Offer: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.
Annual Fee
$0
Rewards Rate
1x – 4x 4X points on dining, takeout, and restaurant delivery.; 2X points on streaming services.; 2X points at grocery stores, grocery delivery, gas stations, and EV charging stations; 1X point on all other eligible purchases.
Rec. Credit Recommended Credit: A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.
800 – 850 Excellent
APR
20.24% – 29.24% (Variable)

The U.S. Bank Altitude Go earns an impressive rate for dining out or ordering in, but it also offers good rewards for filling up your tank, whether it’s with gas or electricity at gas stations and EV charging stations. There’s no annual fee to worry about, and it comes with an introductory APR offer on purchases and balance transfers.

It’s also a good choice for binge-watchers, as it offers streaming rewards on top of an annual $15 streaming credit which could help limit your monthly expenses.

Intro Balance Transfer APR
0% intro APR for 12 billing cycles on balance transfers
Intro Purchase APR
0% intro APR for 12 billing cycles on purchases
Regular APR
20.24% – 29.24% (Variable)
Balance Transfer Fee
Either 3% of the amount of each transfer or $5 minimum, whichever is greater
4x
4X points on dining, takeout, and restaurant delivery.
2x
2X points on streaming services.
2x
2X points at grocery stores, grocery delivery, gas stations, and EV charging stations
1x
1X point on all other eligible purchases.

The U.S. Bank Altitude Go earns an impressive rate for dining out or ordering in, but it also offers good rewards for filling up your tank, whether it’s with gas or electricity at gas stations and EV charging stations. There’s no annual fee to worry about, and it comes with an introductory APR offer on purchases and balance transfers.

It’s also a good choice for binge-watchers, as it offers streaming rewards on top of an annual $15 streaming credit which could help limit your monthly expenses.

Intro Balance Transfer APR
0% intro APR for 12 billing cycles on balance transfers
Intro Purchase APR
0% intro APR for 12 billing cycles on purchases
Regular APR
20.24% – 29.24% (Variable)
Balance Transfer Fee
Either 3% of the amount of each transfer or $5 minimum, whichever is greater
4x
4X points on dining, takeout, and restaurant delivery.
2x
2X points on streaming services.
2x
2X points at grocery stores, grocery delivery, gas stations, and EV charging stations
1x
1X point on all other eligible purchases.
8/10
CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Intro Offer
Earn $250 Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
Annual Fee
$0 intro annual fee for the first year, then $95.
Rewards Rate
1% – 6% 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 6% Cash Back on select U.S. streaming subscriptions; 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more; 3% Cash Back at U.S. gas stations; 1% Cash Back on other purchases
Rec. Credit Recommended Credit: A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.
670 – 850 Good – Excellent
APR
19.24% – 29.99% Variable

The Blue Cash Preferred Card from American Express* offers high cash-back rates for U.S. gas stations at 3%. But if you don’t drive, or commute via public transit or ride-share often, you also get 3% back on those purchases (and parking, tolls, buses, trains and more). In addition to these great transit rewards, you can also earn 6% cash back at U.S. supermarkets on up to $6,000 of spending per year, then 1%, and 1% cash back on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Intro Balance Transfer APR
0% on balance transfers for 12 months
Intro Purchase APR
0% on purchases for 12 months
Regular APR
19.24% – 29.99% Variable
Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
6%
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
6%
6% Cash Back on select U.S. streaming subscriptions
3%
3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
3%
3% Cash Back at U.S. gas stations
1%
1% Cash Back on other purchases
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more

The Blue Cash Preferred Card from American Express* offers high cash-back rates for U.S. gas stations at 3%. But if you don’t drive, or commute via public transit or ride-share often, you also get 3% back on those purchases (and parking, tolls, buses, trains and more). In addition to these great transit rewards, you can also earn 6% cash back at U.S. supermarkets on up to $6,000 of spending per year, then 1%, and 1% cash back on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Intro Balance Transfer APR
0% on balance transfers for 12 months
Intro Purchase APR
0% on purchases for 12 months
Regular APR
19.24% – 29.99% Variable
Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
6%
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
6%
6% Cash Back on select U.S. streaming subscriptions
3%
3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
3%
3% Cash Back at U.S. gas stations
1%
1% Cash Back on other purchases
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more
9/10
CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Intro Offer
Cashback Match™ Intro Offer: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
Annual Fee
$0
Rewards Rate
1% – 2% Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.; Earn 1% unlimited cash back on all other purchases – automatically.
Rec. Credit Recommended Credit: A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.
No Credit History
APR
18.24% – 27.24% Variable APR

The Discover it® Student Chrome* is designed to help make credit more accessible for students and to help them build credit, but it still has surprisingly good rewards. You’ll earn 2% on gas station and restaurant spending (on up to $1,000 in combined purchases per quarter, then 1%). You’ll also earn 1% cash back on all other purchases, as well as an Unlimited Cashback Match™ at the end of your first year, as is tradition with Discover cards. Because it’s a student card, it doesn’t come with some of the other perks you might expect.

Intro Balance Transfer APR
10.99% for 6 months
Intro Purchase APR
0% for 6 months
Regular APR
18.24% – 27.24% Variable APR
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
2%
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
1%
Earn 1% unlimited cash back on all other purchases – automatically.

The Discover it® Student Chrome* is designed to help make credit more accessible for students and to help them build credit, but it still has surprisingly good rewards. You’ll earn 2% on gas station and restaurant spending (on up to $1,000 in combined purchases per quarter, then 1%). You’ll also earn 1% cash back on all other purchases, as well as an Unlimited Cashback Match™ at the end of your first year, as is tradition with Discover cards. Because it’s a student card, it doesn’t come with some of the other perks you might expect.

Intro Balance Transfer APR
10.99% for 6 months
Intro Purchase APR
0% for 6 months
Regular APR
18.24% – 27.24% Variable APR
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
2%
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
1%
Earn 1% unlimited cash back on all other purchases – automatically.
9/10
CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Intro Offer
Earn up to $750 bonus cash back Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
Annual Fee
$0
Rewards Rate
1% – 5% Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year; Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year; Earn 1% cash back on all other card purchases with no limit to the amount you can earn
Rec. Credit Recommended Credit: A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.
670 – 850 Good – Excellent
APR
18.49% – 24.49% Variable

If you need a gas credit card for your small business, consider the Chase Ink Business Cash card. It’s one of the best business credit cards on the market right now. Not only does it offer cash-back rewards on categories that businesses often need like office supplies and telecommunications, but it also offers 2% cash back on gas station purchases (on up to $25,000 in combined gas station and restaurant purchases each year) -- netting you up to $500 in cash back per year just on gas station purchases. And despite the business perks and great welcome bonus, it has no annual fee and a 0% introductory APR on purchases for 12 months (18.49% to 24.49% variable APR thereafter).

Intro Balance Transfer APR
N/A
Intro Purchase APR
0% Intro APR on Purchases for 12 months
Regular APR
18.49% – 24.49% Variable
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
5%
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
2%
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
1%
Earn 1% cash back on all other card purchases with no limit to the amount you can earn

If you need a gas credit card for your small business, consider the Chase Ink Business Cash card. It’s one of the best business credit cards on the market right now. Not only does it offer cash-back rewards on categories that businesses often need like office supplies and telecommunications, but it also offers 2% cash back on gas station purchases (on up to $25,000 in combined gas station and restaurant purchases each year) -- netting you up to $500 in cash back per year just on gas station purchases. And despite the business perks and great welcome bonus, it has no annual fee and a 0% introductory APR on purchases for 12 months (18.49% to 24.49% variable APR thereafter).

Intro Balance Transfer APR
N/A
Intro Purchase APR
0% Intro APR on Purchases for 12 months
Regular APR
18.49% – 24.49% Variable
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
5%
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
2%
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
1%
Earn 1% cash back on all other card purchases with no limit to the amount you can earn
7/10
CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Annual Fee
$0
Rewards Rate
1% – 5% 5% cash back on gas (on the first $6,000 per year, then 1% after); Plus members earn 3% back on eligible purchases when shopping in-club or digitally through Sam’s Club when they use their Sam’s Club Mastercard and another 2% back from their Plus membership, for a total of up to 5% rewards on eligible purchases.; 3% cash back on dining and takeout; 1% cash back on all other eligible purchases.
Rec. Credit Recommended Credit: A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.
670 – 850 Good – Excellent
APR
20.65% or 28.65% Variable

If you’re a Sam’s Club member, then this Mastercard might be a good option for a gas credit card. With the Sam’s Club Mastercard*, not only do you earn 5% cash back on gas purchases at Sam’s Club, but you earn the same 5% back at all other gas stations (on the first $6,000 in purchases per year, then 1%). It’s an especially attractive card if you’re a Sam’s Club Plus member and can take advantage of the higher cash back at the store. However, this card doesn’t come with many of the perks you’d expect of a better rewards credit card, such as a large welcome bonus or 0% introductory APR.

Check out our full review of the Sam’s Club Mastercard for more details.

Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
20.65% or 28.65% Variable
Balance Transfer Fee
N/A
5%
5% cash back on gas (on the first $6,000 per year, then 1% after)
5%
Plus members earn 3% back on eligible purchases when shopping in-club or digitally through Sam’s Club when they use their Sam’s Club Mastercard and another 2% back from their Plus membership, for a total of up to 5% rewards on eligible purchases.
3%
3% cash back on dining and takeout
1%
1% cash back on all other eligible purchases.

If you’re a Sam’s Club member, then this Mastercard might be a good option for a gas credit card. With the Sam’s Club Mastercard*, not only do you earn 5% cash back on gas purchases at Sam’s Club, but you earn the same 5% back at all other gas stations (on the first $6,000 in purchases per year, then 1%). It’s an especially attractive card if you’re a Sam’s Club Plus member and can take advantage of the higher cash back at the store. However, this card doesn’t come with many of the perks you’d expect of a better rewards credit card, such as a large welcome bonus or 0% introductory APR.

Check out our full review of the Sam’s Club Mastercard for more details.

Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
20.65% or 28.65% Variable
Balance Transfer Fee
N/A
5%
5% cash back on gas (on the first $6,000 per year, then 1% after)
5%
Plus members earn 3% back on eligible purchases when shopping in-club or digitally through Sam’s Club when they use their Sam’s Club Mastercard and another 2% back from their Plus membership, for a total of up to 5% rewards on eligible purchases.
3%
3% cash back on dining and takeout
1%
1% cash back on all other eligible purchases.
5/10
CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Annual Fee
$0
Rewards Rate
1% – 4% 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter; 3% cash back on restaurants and eligible travel purchases; 2% cash back on all other purchases from Costco and Costco.com; 1% cash back on all other purchases
Rec. Credit Recommended Credit: A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.
800 – 850 Excellent
APR
20.49% (Variable)

If you’re a Costco member -- or willing to become one -- the Costco Anywhere Visa Card by Citi* offers 4% cash back on eligible gas and EV charging purchases for up to $7,000 per year (then 1%). Technically there isn’t an annual fee to maintain an account, but you’ll need to pay $60 annually for a Costco membership. If you’re averaging around $135 per week or less in gas, the 4% cash-back rate can cover your gas bill for the year. The catch is that you can only redeem your rewards on an annual basis.

For more details on how to redeem these rewards and other features, check out our full review of the Costco Anywhere Visa Card.

Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
20.49% (Variable)
Balance Transfer Fee
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
4%
4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
3%
3% cash back on restaurants and eligible travel purchases
2%
2% cash back on all other purchases from Costco and Costco.com
1%
1% cash back on all other purchases

If you’re a Costco member -- or willing to become one -- the Costco Anywhere Visa Card by Citi* offers 4% cash back on eligible gas and EV charging purchases for up to $7,000 per year (then 1%). Technically there isn’t an annual fee to maintain an account, but you’ll need to pay $60 annually for a Costco membership. If you’re averaging around $135 per week or less in gas, the 4% cash-back rate can cover your gas bill for the year. The catch is that you can only redeem your rewards on an annual basis.

For more details on how to redeem these rewards and other features, check out our full review of the Costco Anywhere Visa Card.

Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
20.49% (Variable)
Balance Transfer Fee
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
4%
4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
3%
3% cash back on restaurants and eligible travel purchases
2%
2% cash back on all other purchases from Costco and Costco.com
1%
1% cash back on all other purchases

Who should get a gas card?

Unless you can take advantage of other higher rewards categories, a gas credit card may not make sense for your wallet if you work from home or rely on public transit regularly. But a gas card may suit your budget if you spend a lot of time behind the wheel.

American families spend $5,000 on gas annually, and $150 to $200 monthly, according to a 2023 J.D. Power report. If you’re behind the wheel often, that’s a lot of unavoidable spending that you could be earning a return on.

Pros

  • You’ll earn rewards for everyday transit spending

  • Most gas cards offer additional benefits and perks

  • Certain cards will offer rewards in categories beyond just gas

Cons

  • Most gas cards require good to excellent credit (a 670 FICO score or above)

  • Loyalty gas credit cards generally require a membership, such as Costco and Sam’s Club

  • Few gas cards offer rewards for electric vehicle charging

General purpose gas cards vs. loyalty gas cards

Most gas stations offer loyalty programs that offer points for purchases that can then be used for merchandise or discounted gas. Some programs let you connect an existing debit or credit card with an account to earn rewards. However, gas credit cards are typically more rewarding and flexible.

In most cases, you can enhance the impact by using a credit card that offers rewards on gas station purchases with a loyalty program.

How to choose the best gas credit card

There’s a lot to consider when choosing a gas credit card. You can get benefits when buying gas and other popular categories with the right rewards credit card. Here’s what to think about when searching for the right gas credit card.

Annual fee

With any reward card, the annual fee can erode your earnings -- or, in a worst-case scenario, exceed them. To decide if a credit card’s annual fee is worth it, be sure that you can earn enough rewards to at least cover the fee through your normal spending. You don’t want to get into a situation where you’re spending more in order to justify the cost. That noted, plenty of cards have no annual fee, though the cards that do often offer higher reward rates, larger welcome bonuses and better card perks.

Rewards

Rewards generally come in two different forms, cash back or points. Cash back cards are usually more straightforward, earning 1 point or cent for every dollar spent and letting you redeem rewards for a statement credit or as cash deposited directly into your bank account. If your card offers points, you may have additional redemption options or a different valuation depending on how they’re redeemed.

Additional benefits

Some cards offer additional protections like purchase protection, which offers up to 90 days of coverage against damage or theft for your new purchase, and cell phone insurance, which protects your phone against damage or theft. Travel cards sometimes offer insurance for rental cars or other travel-related expenses. Travel cards with annual fees typically offer better perks and may include an annual credit for Global Entry or TSA PreCheck.

How do gas credit cards work?

With a gas credit card, you earn rewards at the pump every time you swipe. Your rewards will then show up in your account, and can typically then be redeemed for statement credits to lower your overall balance. However, statement credits won’t go toward your monthly required payment -- you’re still responsible for paying your balance off on time and in full to avoid accruing interest. 

Some cards might allow you to redeem your rewards towards other purchases, like travel, instead of as a statement credit. In some cases, how you redeem will affect how much your points are worth. Generally, if you have a dedicated travel credit card, redeeming rewards for travel will be the best choice.

Alternatives to gas credit cards

If you can’t qualify for a gas credit card or already have too many credit cards, consider signing up for your favorite gas station’s loyalty program. That way, you can still earn a return for your spending. 

Here are some alternative ways to save money at the pump.

If your credit is lower, consider working on your credit score with a secured credit card to build up your score before applying for a gas credit card. Secured credit cards require a refundable deposit in exchange for a line of credit. Your credit score should increase if you use your card responsibly, charging only what you can afford and paying off your bill in full.

How to apply for a gas credit card

Follow these steps to apply for a gas credit card:

1. Choose the card that best fits your budget.
2. Apply securely by following one of the links above.
3. Supply the issuer with the required financial and personal information.
4. Use your card responsibly and pay the statement balance in full and on time each month.

The bottom line

If you need to save money at the gas pump, a gas credit card can help you reduce  your monthly expense with rewards. Look for a gas card that also suits your other spending habits, so you can maximize your earning potential.

FAQs

The credit score you need to qualify for a gas credit card depends on the specific card you apply for. Most credit cards on this list require a good credit score of 670 or higher. That being said, some may have stricter requirements.

On the other hand, cards like the Discover it Student chrome are designed for lower-credit borrowers and may require only average credit.

A cash-back credit card offers you a percentage of cash back on your spending -- either overall at a flat rate or on certain spending categories. A gas credit card is a type of cash-back card that specifically rewards you when you spend money at gas stations.

One of the benefits of the credit cards on our list is that they don’t just reward you for your gas purchases. Instead, they’re general cash-back credit cards that happen to include gas as one of their bonus categories. As a result, you can earn higher cash back for your gas purchases (and other spending categories) while still earning baseline rewards for all of your spending.

They do. So long as you’re paying your monthly bill on time, you’ll build a history of positive payments, which can contribute to a better credit score.

Our top choice for a gas credit card is the Citi Custom Cash Card. Its cash-back rate is much higher than competitors and it offers a degree of flexibility most cards can’t compete with.

Our methodology

CNET reviews credit cards by exhaustively comparing them across set criteria developed for each major category, including cash-back, welcome bonus, travel rewards and balance transfer. We take into consideration the typical spending behavior of a range of consumer profiles -- with the understanding that everyone’s financial situation is different -- and the designated function of a card. 

For cash-back credit cards, for example, key factors include the annual fee, the “welcome bonus” and the cash-back rate (or rates, if they differ by spending category). For rewards and miles cards, we calculate and weigh the net monetary value of a card’s respective perks. And with balance transfer credit cards, we analyze specs such as the duration of the introductory 0% APR period and the balance transfer fee, while acknowledging secondary factors such as the standard APR and the length of time you have to make a balance transfer after you open the account.

For rates and fees of the Blue Cash Preferred Card from American Express, click here.

*All information about the Discover it Student Chrome, Costco Anywhere Visa Card by Citi, Blue Cash Preferred Card from American Express, and Sam’s Club Mastercard was collected independently by CNET and has not been reviewed by the issuer.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

Erin Gobler is a personal finance writer based in Madison, Wisconsin. She writes about topics including budgeting, student loans, credit, mortgages, investing, and insurance. Her work has been published in financial publications and startups such as The Simple Dollar, LendingTree, Robinhood and more.
Evan Zimmer has been writing about finance for years. After graduating with a journalism degree from SUNY Oswego, he wrote credit card content for Credit Card Insider (now Money Tips) before moving to ZDNET Finance to cover credit card, banking and blockchain news. He currently works with CNET Money to bring readers the most accurate and up-to-date financial information. Otherwise, you can find him reading, rock climbing, snowboarding and enjoying the outdoors.