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What if you could earn points or cash back—or double the regular rewards—just for putting gas in your tank every week? It’s possible with these gas rewards credit cards. Find out how to put these credit cards to work in your personal financial life and get the scoop on some great options for your wallet.
Note: There’s no such thing as the best gas credit card. That’s because every person’s financial needs are different. How you use and manage your card can make one option better for you than it is for someone else.
Discover some options that Credit.com believes could be a great gas rewards credit card for you, and then make your own decision about which one to apply for.
A Quick Look at Gas Rewards Cards
- Blue Cash Preferred from American Express: Earn 3% cash back when spending at gas stations plus 6% back on select streaming service payments and 6% on the first $6,000 you spend at grocery stores each year. This card is packed with other perks, including introductory low-APR offers. Terms apply
Gas Rewards Credit Card vs Gas Station-Specific Card
This list doesn’t include gas station-specific credit cards. Those are cards issued by gas stations that you can use for purchases at those chains of stores but typically can’t use elsewhere. Gas cards often let you rack up loyalty points with the individual store brands. For example, the Valero card lets you earn rebates on gas, and the Exxon Mobil card offers an automatic gas rebate for cardholders. The Sam’s Club Mastercard and Costco Anywhere Visa also offer lucrative deals for gas purchased at their wholesale locations.
The major downside for these types of gas cards is that you can’t use them elsewhere. Unless you want to limit use—such as if you want employees to only be able to use cards for gas—you might want to consider a gas rewards credit card instead. The cards on this list are regular cards you can use anywhere, but they come with some extra perks when you spend on gas.
Credit Cards with Gas Rewards 2020
Blue Cash Preferred from American Express
Benefits: Another all-around good credit card for gas and other purchases, the Blue Cash Preferred card lets you earn cash back on nearly every purchase. This is great for gas guzzlers because you get 3% cash back on spending at gas stations. Plus, the first $6,000 spent at grocery stores annually nets you a whopping 6% cash back!
Disadvantages: You need good or excellent credit to be approved, and the card comes with a $0 intro annual fee for the first year, then $95 annual fee.
Gas Station Cards and Your Credit Score
If you’re thinking about getting a credit card to reward your gas purchases, you’ll want to understand how gas station cards and your credit score relate.
- Do you need a good credit score to get a gas station card? You typically need at least fair credit to be approved for one of these cards. Most require good or excellent credit, and higher scores typically mean better offers and APRs. Before you apply, find out where your credit stands with the free Credit Report Card at Credit.com.
- Do gas cards help your credit? The cards on this list and any major credit card can help your credit with responsible use. Most credit cards report timely payments to the credit bureaus, which can help your score. You can also help your score by maintaining a low credit utilization, which means not running your balance up to a high percentage of your credit limit.
- Will a new gas card hurt your credit? Applying for a card can cause a hard inquiry on your credit report. That might drop your score by a few points. Limit the number of cards you apply for to keep the hit to your score minimal. Once you’re approved for a card, manage it responsibly and make timely payments to avoid negative marks on your credit report, which can significantly drop your score.
Ready to start getting rewarded for your regular gas purchases and find the best gas credit card for you? You can learn more by reviewing our Expert Guide to Credit Cards with Gas Rewards.
Editorial Disclosure: Reviews are as determined solely by Credit.com staff. Opinions expressed here are solely those of the reviewers and aren’t reviewed or approved by any advertiser. Information presented is accurate as of the date of the review, including information on card rates, rewards and fees. Check the issuer’s website for the most current information on each card listed.
Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly
