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From the Experts at Credit.com

Rating Gas Credit Cards for 2019

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Woman at the gas pump paying with gas credit cards

If you’re an average American, you make $171.28 a day and spend 1.52% of that—$2.60—for gasoline.1 That doesn’t seem like a lot, but like any expense, it adds up. And with all that money you spend at the gas pump, why not get something in return—other than just gas. Buying that gas with a rewards credit card that pays you rewards for your purchase is an easy way to get something for yourself.

And you can be getting more for the money you spend to get to work, drop the kids at school and take fun summer road trips. How with a credit card that lets you earn rewards for the money you spend.

With that in mind, let’s look at some of the Credit.com editorial team’s picks for gas credit cards for 2019. There’s a wealth of options out there, and it can be hard to figure out which one is right for you. And while there’s no one ideal card for everyone, these picks will hopefully help you wade through some options. The right card for you is the one that meets your needs and your spending habits.

Picks for Gas Credit Cards for 2019

Here’s a quick snapshot overview of our picks for gas credit cards for 2019 and what features place them on the Credit.com list. A hint, they’re all cash-back cards.

  • Blue Cash Preferred® Card from American Express: This American Express credit card offers 3% cash back on all gas purchases you make in the U.S, 6% on your first $1,000 spent at supermarkets, and 1% after that and on all other purchases. You can get a $200 statement credit bonus if you make $1,000 in purchases in the first three months.
  • Blue Cash Everday Card from American Express: This American Express credit card offers 2% cash back on all gas purchases you make in the U.S. It also a $150 statement credit bonus if you make $1,000 in purchases in the first three months. It also has an intro APR: 0% for 15 months on purchases and balance transfers.
  • Chase Freedom Unlimited card: This card is a great option for earning cash every time you fuel up. Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases A few trips to the pump and the grocery store will do that for you. Better yet, this card has 0% intro APR for 15 months—so you can earn cash back without paying interest.
  • Capital One Quicksilver Cash Rewards Credit Card: This card lets you earn 1.5% cash back on all purchases, including gas. It also offers a $150 introductory bonus if you charge $500 to the card in the first three months after opening the account, which, if you are a frequent driver, is easy to do.

This is just a brief overview of what places these gas rewards credit cards on our list. In addition to the features above, these cards all come with other great benefits. They all feature an ongoing variable APR, so you’ll pay more or less interest depending on your credit score.  Most also offer an introductory APR. Check them out to see what which one is the right option for you and your unique financial situation.

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

Apply Now
on American Express's secure website
Card Details
Intro Apr:
0% for 12 months on purchases

Ongoing Apr:
15.24%-26.24% Variable

Balance Transfer:
15.24%-26.24% Variable

Annual Fee:
$95

Credit Needed:
Excellent-Good
Snapshot of Card Features
  • Earn a $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.
  • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
  • Cash Back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • $95 annual fee.
  • Terms Apply.

Card Details +

Benefits: The Blue Cash Preferred Card from American Express pays you more cash-back for your gas purchases—a whopping 3% cash-back at U.S. gas stations—than for everyday purchases. On top of that, you earn a massive 6% cash back on the first $6,000 you spend at U.S. supermarkets—1% after that and on all other purchases.

When you spend $1,000 on purchases in your first three months, you also get a $200 statement credit. And with an 0% for 12 months on purchases—you can use the card for a year without paying interest on your purchases. After 12 months, you’ll pay an ongoing APR of 15.24%-26.24% Variable, which is right in line with the other cards featured here.

The excellent rates for cash back on both gas and supermarket purchases make this a great card for people with families. Buying groceries to feed the family as well as driving the kids around means gas stations and supermarkets eat up a large portion of your expenses. And with this card, they’ll pay you the most cash-back on those expenses.

Drawbacks: The Blue Cash Preferred Card from American Express has two drawbacks. One—it charges a $95 annual fee. If you use it enough to earn rewards, those rewards offset that, but. It is an American Express, which sometimes instead accepted depending on where you are. But American Express cards are accepted at more than 1.6 million places as of 2018, so.

Another potential drawback to this and any of the cards featured here is that you’ll need a good credit score or excellent credit score to qualify. There are some cash rewards credit cards for those with poorer credit though, including the Capital One® QuicksilverOne® Cash Rewards Credit Card.

Blue Cash Everday Card from American Express

Blue Cash Everyday® Card from American Express

Apply Now
on American Express's secure website
Card Details
Intro Apr:
0% for 15 months on purchases

Ongoing Apr:
15.24%-26.24% Variable

Balance Transfer:
15.24%-26.24% Variable

Annual Fee:
$0

Credit Needed:
Excellent-Good
Snapshot of Card Features
  • Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 15.24% to 26.24%.
  • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • No annual fee.
  • Terms Apply.

Card Details +

Benefits: The Blue Cash Everyday Card from American Express pays you more cash-back for your gas purchases—2% cash-back at U.S. gas stations—than everyday purchases. On top of that, you earn 3% cash back on the first $1,000 you spend at U.S. supermarkets—1% after that and on all other purchases. 

When you spend $1,000 on purchases in your first three months, you also get a $150 statement credit. And with an intro APR: 0% for 15 months on purchases and balance transfers—you can use the card for a long time without paying interest on your purchases.

Maybe the nicest part of this card is that you get all of that with no annual fee—ever.

The good rates for cash back on both gas and supermarket purchases make this another great card for people with families. Buying groceries to feed the family as well as driving the kids around means gas stations and supermarkets take up a big portion of your expenses. And this card rewards you nicely for those purchases.

Drawbacks: It’s hard to find much of a drawback for this card. It is an American Express, which sometimes instead accepted. But American Express cards are accepted at more than 1.6 million places as of 2018, so.

Chase Freedom Unlimited

Chase Freedom Unlimited®

Apply Now
on Chase's secure website
Card Details
Intro Apr:
0% for 15 months on purchases

Ongoing Apr:
17.24% - 25.99% Variable

Balance Transfer:
Intro: 0% for 15 months

Annual Fee:
$0

Credit Needed:
Excellent-Good
Snapshot of Card Features
  • New Offer! Double Cash Back: Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit JourneySM
  • No annual fee

Card Details +

Benefits: The Chase Freedom Unlimited card pays you 3% cash-back on every purchase in your first year up to $20,000. After that earn unlimited 1.5% cash back on all purchases. And with a 0% for 15 months on purchases and balance transfers—you earn rewards without paying a drop of interest if you carry a balance each month.

Like the Blue Cash Everyday Card from American Express, this card comes with no annual fee—ever.

In addition to being a great card for unlimited cash back rewards on everything you charge with the card, including all fuel purchases, this is a great card for those who carry a large balance on another card and are looking to transfer that balance.

Drawbacks: It’s hard to find much of a drawback for this card. It doesn’t match the cash-back potential of the two American Express cards, but the 1.5% on everyday purchases is solid and higher than 1% with the American Express cards.

Capital One Quicksilver Cash Rewards Credit Card

Benefits: The Capital One Quicksilver Cash Rewards Credit Card like the Chase Freedom Unlimited card pays you 1.5% cash-back on every purchase. And when you spend $500 on purchases in your first three months, you get a $150 cash bonus. It offers 0% intro on purchases for 15 months and 0% intro on balance transfers for 15 months—so you earn rewards without interest if you carry a balance each month and when you transfer your balance from another card. Capital One Quicksilver Cash rewards Credit Card

Like the Blue Cash Everyday Card from American Express and Chase Freedom Unlimited card, this one has no annual fee. It also has no foreign transactions fees, which makes it great for travel.

In addition to being a great card for solid cash back rewards on everything you purchase, including all fuel, this is a great card for those who carry a large balance on another card and are looking to transfer that balance.

Drawbacks: It’s hard to find much of a drawback for this card. It doesn’t as have of high cash-back rewards as the two American Express cards, but the 1.5% on everyday purchases is still solid.

How to Get a Gas Credit Card in 2019

Before you sign up for a gas credit card, 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 fuel points or a discount that may be higher than a standard rewards credit card.

However, some of the station-branded cards can’t be used for purchases at other retailers and/or won’t earn rewards for other purchases. Because you’re trying to rack up rewards at one chain, you may end up failing to shop around for the best overall gas price and pay more just to earn rewards.

Many grocery store chains and big-box retailers, like Costco, offer 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.

You can maximize your rewards by getting a rewards credit card—like one of those mentioned here— that offers good gas rewards in addition to rewards for other purchases. With rewards cards, you want to pick a card that has a high cash-back reward for gas purchases and others if possible.

Know though that rewards cards often require good or excellent credit scores to qualify. If your credit isn’t so good, you might consider the Credit One Bank® Platinum Visa® with Cash Back Rewards. If you’ don’t know your credit score, you can get it for free here on Credit.com.

Maximize Your Rewards Each Time You Fill Up the Tank

By figuring out which is the right gas credit card for you for 2019, the next time you fill up the tank in your car, you won’t feel the sting of the bills quite so much. You can even tell yourself that higher gas prices mean higher rewards.

1 https://www.bloomberg.com/graphics/gas-prices/#20184:United-States:USD:g

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.

 


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