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From the Experts at

The Best Gas Credit Card of 2017

Advertiser Disclosure

Woman With Gas Card

[Disclosure: Cards from our partners are reviewed below.]

 The average American spent $2,090 on gas in 2015 (the most recent data available from the U.S. Bureau of Labor Statistics), but many of us aren’t making the most of the money that we have to spend to get to work, drop the kids at school and take fun summer road trips. Your gas spending can come with benefits. Some gas credit cards will reward you for the money you’re inevitably going to spend at the pump.

How to Get a Gas Credit Card in 2017

Before you sign up for a gas credit card, you should know your options. There isn’t one type of gas rewards credit card — there are actually a few different kinds of credit cards you can use to earn rewards or discounts for your fuel spending.

A handful of gas credit cards are offered by major American gas station chains (Shell, Valero, BP, Chevron, Texaco, etc.) that can be a good option if you’re loyal to a particular brand. These cards generally offer some sort of fuel points or discount that can be significantly higher than a standard rewards credit card. However, some of the station-branded cards can’t be used for purchases at other retailers and because you’re trying to rack up rewards at one chain, you may not be shopping around for the best gas price overall.

You can also get a rewards credit card that offers good gas rewards in addition to rewards for other purchases. With rewards cards, you obviously want to pick a card that has a high cash-back offer for gas purchases specifically. Be on the lookout for which kinds of stations can earn you rewards. Many grocery store chains and big-box retailers like Costco have begun offering gas at a discount to their customers, and gas rewards credit cards generally limit their rewards to “standalone” stations that don’t include these retailer-tied spots. If you only fill up at non-standalone stations, these cards may not be a fit for you. Rewards cards also often require good credit scores to qualify. (You can see where your credit scores stand for free on

Now that you have the lay of the land, here are some of the best gas credit cards on the market right now. These cards were picked by the editorial team for their high rewards and best overall terms.

The Best Gas Credit Cards

Costco Anywhere Visa Card by Citi

Costco Visa Card

Why We Picked It: Costco already offers a very competitive gas price to members, often several cents less per gallon than a standalone gas station, which makes it a great deal for consumers. Plus, the 4% cash back on gas purchases makes this a pretty sweet deal if you’re filling up often and you can use those rewards for other purchases — not just on gas. (Full Disclosure: Citibank advertises on, but that results in no preferential editorial treatment.)

Rewards Details: The Costco Anywhere Visa Card offers 4% cash back on gas purchases at other eligible gas providers (supermarkets are excluded, for example), which means you can fill up at a standalone gas station and still earn rewards with this card. That 4% back is limited to the first $7,000 spent each year, then goes down to 1% after that. You also earn 3% back on restaurants and eligible travel purchases, 2% back on Costco and purchases and 1% back on all other spending made with the card.

Annual Fee: $0 annual fee with your paid Costco membership. (Costco membership fees range depending on type, starting at $60 a year.)

APR: 0%* for 7 months on purchases*, then 16.24%* (Variable) 

BP Visa Credit Card With Driver Rewards

Why We Picked It: BP’s co-branded Visa card stands out from the other gas station credit cards because BP is one of the largest gas station chains in the U.S., and their Visa credit card allows you to earn some major discounts on gas purchases not just for the money you spend at the pump but at restaurants, retailers and anywhere Visa is accepted (excluding non-BP gas stations).

Rewards Details: For the first 90 days, cardholders can earn 25 cents off every gallon for every $100 they spend on their card. After that first 90 days, cardholders earn 25 cents off every gallon for every $100 spent at BP, 15 cents off every gallon for every $100 spent on select travel, groceries and dining purchases and 5 cents off every gallon for every $100 spent on the card as a whole. There are limits to the number of gallons the discount will include, so be sure to read the full terms before you apply. The rewards are stackable, so you can earn major discounts for a fill-up, though there is a minimum cost of 10.9 cents per gallon.

Annual Fee: None

APR: Variable 27.74%

Penfed Platinum CardPenFed Platinum Rewards Visa Signature Card

Why We Picked It: A low APR on purchases, no annual fee and five points per dollar spent on gas pump purchases make this card a standout. The flexibility of how you can use the rewards is also a key for many consumers — your spending at the pump can earn you points that can be used elsewhere.

Rewards Details: The PenFed Platinum card offers five points per dollar on gas purchases at the pump, one of the highest gas rewards in the credit card market. You get three points per dollar on supermarket purchases and one point per dollar on all other spending.

Annual Fee: None, but you must be a member to apply. Anyone can join the Pentagon Federal Credit Union by making a one-time $17 donation to a military support charity.

APR: Variable 9.74% to 17.99% based on creditworthiness when you apply.

At publishing time, the Costco Anywhere Visa Card by Citi and PenFed Platinum Rewards Visa Signature Card cards are offered through product pages, and is compensated if our users apply and ultimately sign up for these cards. However, this relationship does not result in any preferential editorial treatment.

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.

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Certain credit cards and other financial products mentioned in this and other articles on News & Advice may also be offered through product pages, and will be compensated if our users apply for and ultimately sign up for any of these cards or products. However, this relationship does not result in any preferential editorial treatment.