You can buy gas with any credit card, but some credit cards reward you specifically for gas purchases. The best gas credit cards will make you want to use them every time you fill up at the pump, taking some of the sting out of paying for gas by giving you rewards every time you buy gas.
The Best Gas Credit Cards
Best with an annual fee: American Express Blue Cash Preferred
Best for Costco members: Costco Anywhere Visa
Best fee-free card: Wells Fargo Propel American Express
Best for Bank of America customers: Bank of America Cash Rewards
Best Single-Use Card: Ducks Unlimited Card
Best for Business Owners: American Express Business Gold
What is a gas credit card?
While it’s true that you can use any credit card, or even a debit card, to buy gas, there’s a reason to use a gas credit card. Some gas credit cards will reward you for buying gas anywhere, others are co-branded for specific
The best flat-rate rewards card will offer roughly 2% of your purchase in rewards for every dollar that you spend. Cards that offer bonus rewards for certain types of purchases can offer 5% or more when you make the right types of purchases.
Using a gas credit card is a great way to maximize your rewards earnings because gas is a major part of most people’s budgets.
What to look for in a gas credit card
As is the case with all credit cards, you’ll want to consider the following factors when choosing the best gas credit card for yourself:
- Annual Fee
- Sign Up Bonus
- Interest Rate
- Ongoing Rewards
Here’s a closer look at how each factor can impact your choice of card.
Some cards charge an annual fee. If a card charges this fee, you’ll have to decide whether you want to pay the fee each year or if you should close the card instead.
It might seem like a bad idea to use a card with an annual fee when there are cards that don’t have any fees. But many cards with annual fees have rewards and benefits that are worth more than the fee costs. If you’re thinking about getting a card with a fee, think about whether you’ll use the benefits and earn enough rewards to offset the cost.
Sign Up Bonus
Many cards offer a bonus when you first get the card. Usually, you’ll have to spend a set amount of money to qualify for the bonus. For example, you could see an offer where you “Get $100 back when you spend $500 in your first three months with the card.”
These bonuses are a great way to accelerate your rewards earnings. If you don’t spend enough on gas to meet the bonus requirement, it might be worth using the card on non-gas purchases just to secure the extra rewards,
Ongoing rewards are one of the main reasons that you should keep a card for the long-term. They’re also essential for determining the best choice of gas credit card.
After you’ve earned your sign up bonus, rewards cards continue to give you rewards. For a gas credit card, you’ll want to look for high cash back rates for purchases at gas stations.
A credit card’s interest rate determines how much you’ll pay if you have to carry a balance from month to month. Ideally, you’ll pay your balance in full every month. If you do, you’ll never have to pay interest. Still, everyone runs into financial emergencies and you might have to carry a balance from time to time. Making sure you choose a card with a low interest rate will reduce the impact of carrying a balance.
Many credit cards offer perks beyond the rewards that they give you. These can be anything from exclusive access to event tickets to fee credits to extended warranties on the things that you purchase.
For a gas credit card, you’ll want to look for perks such as roadside assistance or rental car insurance. These perks can save you money when you’re traveling by card and run into trouble.
Here are some of the most commonly asked questions about gas credit cards.
Do gas cards help build credit?
Gas credit cards, like any credit card, help to build your credit. They’re no different than other cards, except that they focus their rewards on gas station purchases.
The best way to build credit by using a credit card is to use the card for everyday purchases. Just make sure that you can afford to pay the bill. So long as you make your payments before the due date each month, your credit score will slowly increase. This is because your payment history is the most important aspect of your credit score.
For the best effect, you should avoid carrying a balance on your credit card. This will save you money on interest. Your credit score is also impacted by your total debt, so this will help build your score.
What gas stations offer credit cards?
Some gas stations offer credit cards of their own, though they aren’t the only credit cards that are good for people who buy gas. Typically, credit cards that are tied to specific gas stations only offer elevated rewards at those stations. That means you need to stay loyal to one brand of gas station to maximize your rewards.
Some of the gas stations that offer credit cards are:
How do I get a gas card?
You can get a gas credit card the same way as any other credit card. Decide on the card that you want, find the online application form, and fill it out. The card issuer will review your application and make a decision.
If you’re applying for a gas credit card that is affiliated with a specific gas station, you may be able to apply for the card in-person at that gas station.
Are gas station credit cards worth it?
Credit cards that are affiliated with a specific gas station can be worth using if you’re loyal to a specific brand of gas station. BP’s credit card can give you as much as 30 cents off per gallon when you fill up your tank at BP. This can be a huge discount if you’re buying a lot of gas.
The downside is that the card is only useful at BP stations. If you use another station, or travel and can’t find a BP station, your card will be all but useless for earning rewards. Most people will want a card that earns good rewards at all gas stations instead of just one brand.
What’s the best credit card for gas?
The best credit card for buying gas will vary depending on your personal situation. Your goal should be to maximize the rewards that you earn while minimizing costs.
For example, the American Express Blue Cash Preferred card offers 3% cash back on gas but charges a $95 annual fee. Other cards might pay less, but if you can’t earn enough cash back to cover the $95 fee, you’re losing out.
Choosing the right card for gas requires careful consideration of your spending habits and your goals.
What fleet gas cards can I apply for?
If you own a small business that needs to buy a lot of gas, you might want to apply for a fleet gas credit card. These cards can help you earn rewards while keeping your fleet of vehicles full of fuel.
There are many companies that offer credit cards specifically for small businesses and their fleets of vehicles. Some examples include Arco, Fuelman, and Comdata.
If you’d rather have more flexibility, a normal business credit card like the American Express Business Gold card can help you earn rewards when you gas up your business’ vehicles. You can even get employee cards so your drivers can fill up their vehicles while they work.
What are the top gas credit cards for instant approval?
Most credit cards these days offer instant approval if you meet requirements. Usually, if you’re very qualified for a card, you’ll be approved immediately. You just have to wait for the card to arrive in the mail.
If you’re on the cusp of meeting the eligibility requirements, you might have to wait for manual approval.
If you want to make sure you have a chance of instant approval, make sure to apply for the gas card online.
More details on the best gas credit cards
American Express Blue Cash Preferred
Annual fee: $95
APR: 12.99% - 23.99% Variable
Rewards Rates: 6% cash back at supermarkets and streaming services (up to $6,000 in spending per year), 3% cashback on transit and gas, 1% cashback on everything else
Perks: Rental car insurance, roadside assistance
Pro/strength: Great card if you also do a lot of grocery shopping or use public transit
Con/weakness: Have to earn enough to cover the $95 fee
Costco Anywhere Visa
Annual fee: $0
APR: 15.24% (Variable)
Rewards Rates: 4% cashback on gas (up to $7,000 in spending per year), 3% cash back on restaurants and travel, 2% cash back on Costco purchases, 1% cashback on everything else
Perks: Extended warranty, purchase protection
Pro/strength: Redeem rewards when you shop at Costco
Con/weakness: You must be a Costco member
Wells Fargo Propel American Express
Annual fee: $0
APR: 13.99%-25.99% Variable
Bonus: 20,000 points
Rewards Rates: 3x points on restaurants, gas, rideshares, transit, streaming and travel, 1x point on everything else
Perks: Cell phone protection, lost luggage insurance
Pro/strength: Solid rewards for almost any kind of transportation
Con/weakness: Poor rewards for other purchases
Bank of America Cash Rewards
Annual fee: $0
APR: 0% for 15 months, then 16.24% to 26.24%
Rewards Rates: 3% cashback on a category of your choice, including gas, 2% cash back on groceries and wholesale clubs, 1% cashback on everything else
Perks: Earn up to 75% more rewards if you have a large balance at Bank of America or Merrill Lynch
Pro/strength: Potential to earn as much as 5.25% on gas
Con/weakness: Few travel perks
Ducks Unlimited Card
Annual fee: none
APR: 21.74% variable APR
Rewards Rates: 5% cash back on gas and sporting goods, 1% on everything else
Perks: Your purchases support wetlands conservation
Pro/strength: One of the best cash back rates available for gas purchases
Con/weakness: Poor rewards for other purchases
American Express Business Gold Card
Annual fee: $95
APR: 17.49% - 24.49% Variable
Bonus: 60,000 points
Rewards Rates: 4x points on the two categories with the highest spend each month, including gas, 1x points on all other purchases
Perks: Point rebate when booking travel with points, flexible repayment terms
Pro/strength: Bonus rewards categories adapt to changes in your spending habits
Con/weakness: High annual fee