10 Best Credit Cards For Gas

Jodie Price

By Jodie Price | Updated October 3, 2025

Finding the right credit card for gas can make everyday driving more affordable while also unlocking valuable rewards. These cards focus on giving strong returns at the pump, whether through points, cash back, or flexible redemption options. With options ranging from no-annual-fee cards to premium choices, this list highlights ten of the best credit cards for gas to help maximize savings on fuel.

  • Citi Strata Premier® Card

    The Citi Strata Premier® Card is a rewards credit card designed for people who spend often on travel, dining, and everyday categories. It offers a flexible way to earn points that can be used for different redemption options.

    It fits well for those who want to maximize rewards without needing a premium-level card. For drivers, the card also earns strong rewards on gas station purchases, making it a practical choice for frequent commuters and road travelers.

    Earning Structure:

    • 10 points per dollar on hotels, car rentals, and attractions booked on CitiTravel.com
    • 3 points per dollar at restaurants
    • 3 points per dollar at supermarkets
    • 3 points per dollar at gas and EV stations
    • 3 points per dollar on air travel and other hotel purchases
    • 1 point per dollar on all other purchases

    Welcome Bonus:

    New cardholders can earn 60,000 bonus ThankYou® points after spending $4,000 within the first three months of membership.

    Card Details:

    • Annual fee: $95
    • APR: 20.24%–28.24% variable
    • Other benefits: Ability to transfer up to 100,000 points per year to another ThankYou account
    • Network: Mastercard
    • Type: Rewards credit card
    • Foreign transaction fees: None

    Key Benefits:

    • Strong earning rates on gas, groceries, and dining
    • Flexible point transfers to partners
    • No foreign transaction fees
    • Pooling points with friends or family
    • Travel and purchase protections included

    Redemption Options:

    Points can be redeemed for travel, gift cards, statement credits, or transferred to airline and hotel partners.

    Credit Requirements:

    Applicants generally need good to excellent credit to qualify, with a FICO score of at least 670.

    Spending Limitations / Potential Drawbacks:

    The card has an annual fee and may not be ideal for those who prefer flat-rate cash back cards.

    Why it Works for Beginners:

    It gives new cardholders simple, high-value categories to earn points without overwhelming complexity.

  • Wells Fargo Autograph® Card

    The Wells Fargo Autograph® Card is a rewards credit card designed for people who want to earn points on everyday purchases. It focuses on categories that many households spend in regularly.

    This card appeals to users who want flexibility and consistent rewards without added complexity. It is built for simple earning and straightforward redemption options. With gas station purchases included as a key bonus category, it works well for drivers who want to save while fueling up.

    Earning Structure:

    • 3x points at restaurants
    • 3x points on travel
    • 3x points at gas stations
    • 3x points on transit
    • 3x points on popular streaming services
    • 3x points on phone plans
    • 1x point on all other purchases

    Welcome Bonus:

    New cardholders can qualify for 20,000 bonus points after spending $1,000 in the first three months.

    Card Details:

    • Annual fee: $0
    • APR: 19.24%, 24.24%, or 29.24% variable
    • Other benefits: Cell phone protection, Visa Signature benefits
    • Network: Visa
    • Type: Rewards credit card
    • Foreign transaction fees: None
    • Additional perks: Access to Wells Fargo Rewards program

    Key Benefits:

    • No annual fee to maintain the card
    • Broad 3x earning categories
    • Useful travel and purchase protections
    • No foreign transaction fees

    Redemption Options:

    Points can be redeemed for travel, gift cards, statement credits, and other rewards through Wells Fargo Rewards.

    Credit Requirements:

    Applicants have better chances of approval with a FICO score of 670–739.

    Spending Limitations / Potential Drawbacks:

    The card does not offer elevated rewards on every purchase, so non-bonus spending earns only 1x point.

    Why it Works for Beginners:

    It provides simple earning categories, no annual fee, and flexible redemptions, making it easy for new cardholders to manage.

  • Credit One Bank® Wander® American Express® With Dining, Gas & Travel Rewards

    The Credit One Bank® Wander® American Express® is designed for people who want to earn rewards on everyday travel and gas spending. It works well for cardholders who may not qualify for premium travel cards but still want to collect points.

    This card is also a good fit for those who spend often on dining, entertainment, and transportation. It provides a way to earn rewards while building or improving credit history.

    Earning Structure:

    • 10x points on eligible hotels and car rentals booked through Credit One Bank’s travel site
    • 5x points on dining, gas, and eligible travel purchases
    • 1x points on all other purchases

    Welcome Bonus:

    This card does not currently advertise a welcome bonus.

    Card Details:

    • Annual fee: $95
    • APR: 29.49% variable
    • Other benefits: Amex offers, travel perks, prequalification option
    • Network: American Express
    • Type: Rewards credit card
    • Foreign transaction fees: None
    • Additional info: Designed for fair to average credit

    Key Benefits:

    • Rewards on gas, dining, and travel
    • Access to American Express benefits and protections
    • Prequalification without impacting credit score
    • Flexible rewards structure
    • Travel booking portal with higher earning rates

    Redemption Options:

    Points can be redeemed for statement credits, travel, or other eligible rewards through Credit One Bank’s rewards platform.

    Credit Requirements:

    This card is generally aimed at people with fair or average credit, often around the 580–669 credit score range.

    Spending Limitations / Potential Drawbacks:

    The card charges an annual fee, which can reduce the value for some users.

    Why it Works for Beginners:

    It allows new or rebuilding cardholders to earn rewards while improving their credit profile.

  • Wyndham Rewards Earner® Card

    The Wyndham Rewards Earner® Card is designed for travelers who want to earn points on everyday purchases while staying connected to the Wyndham hotel network. It offers a simple way to collect rewards without needing to track complicated categories.

    Cardholders can use it for gas, dining, and travel purchases while also earning on daily spending. It pairs well with Wyndham’s loyalty program, giving users more value when redeeming for hotel stays.

    Earning Structure:

    • 5x points on eligible Wyndham hotel purchases
    • 2x points on gas, dining, and grocery store purchases
    • 1x point on all other purchases

    Welcome Bonus:

    New cardholders can earn 60,000 bonus points after spending at least $2,000 within the first three months of account opening.

    Card Details:

    • Annual fee: $0
    • APR: 19.99%–29.99% variable
    • Other benefits: Automatic Wyndham Rewards Gold status
    • Network: Visa
    • Type: Hotel rewards credit card
    • Foreign transaction fees: None

    Key Benefits:

    • No annual fee to maintain the card
    • Automatic elite status in Wyndham Rewards
    • Bonus points on gas and grocery purchases
    • Flexible redemption through Wyndham’s program

    Redemption Options:

    Points can be redeemed for Wyndham hotel stays, gift cards, or merchandise.

    Credit Requirements:

    Applicants typically need good to excellent credit to qualify, often with a FICO score of 670–739.

    Spending Limitations / Potential Drawbacks:

    The card is most beneficial for frequent Wyndham guests, so travelers who prefer other hotel chains may find the rewards limited.

    Why it Works for Beginners:

    It offers straightforward earning categories and no annual fee, making it easy for new cardholders to manage.

  • Sam’s Club® Mastercard®

    The Sam’s Club® Mastercard® is designed for people who shop at Sam’s Club and want to earn rewards on gas and everyday purchases. It offers higher value for members who buy fuel often.

    This card also provides benefits on dining and other categories, making it useful beyond the pump. However, its strongest rewards remain tied to gas purchases.

    Earning Structure:

    • 5% cash back on gas (on the first $6,000 per year, then 1%)
    • 3% cash back on dining and travel
    • 1% cash back on other purchases

    Welcome Bonus:

    New cardholders can earn a $30 statement credit after spending $30 within a month of membership.

    Card Details:

    • Annual fee: $0, but Sam’s Club membership required
    • APR: 20.90% or 28.90% variable
    • Other benefits: Mastercard benefits including identity theft protection
    • Network: Mastercard
    • Type: Cash back credit card
    • Foreign transaction fees: None
    • Membership requirement: Must be a Sam’s Club member

    Key Benefits:

    • No annual fee to maintain the card
    • High cash back on gas purchases
    • Extra rewards on dining and travel
    • Works at any station that accepts Mastercard
    • No foreign transaction fees

    Redemption Options:

    Cash back rewards are given annually as a Sam’s Club rewards certificate, redeemable in-store or for online purchases.

    Credit Requirements:

    Applicants are required to have good to excellent credit to qualify, with a FICO score starting at 670.

    Spending Limitations / Potential Drawbacks:

    The 5% cash back on gas is capped at $6,000 per year, and rewards are tied to Sam’s Club redemption.

    Why it Works for Beginners:

    It provides straightforward cash back rewards and no annual fee, making it easy for new cardholders to manage.

  • USAA Cashback Rewards Plus American Express® Card

    The USAA Cashback Rewards Plus American Express® Card is designed for military members and their families. It focuses on everyday spending categories that matter most, especially fuel purchases.

    This card provides a simple way to earn rewards without a complicated structure. It works well for those who want value from regular expenses like gas and groceries.

    Earning Structure:

    • 5% cash back on the first $3,000 in combined gas and military base purchases yearly
    • 2% cash back on the first $3,000 in grocery purchases yearly
    • 1% cash back on all other qualifying purchases

    Welcome Bonus:

    This card does not currently advertise a welcome bonus.

    Card Details:

    • Annual fee: $0
    • APR: 16.15%–28.15% variable
    • Other benefits: Military-focused perks and protections
    • Network: American Express
    • Type: Cash back
    • Foreign transaction fees: None
    • Additional info: Designed for USAA members only

    Key Benefits:

    • No annual fee to maintain the card
    • Strong rewards on gas purchases
    • Extra rewards on groceries
    • No foreign transaction fees
    • Access for USAA members and military families

    Redemption Options:

    Cash back can be redeemed as statement credits or deposits into a USAA account.

    Credit Requirements:

    Applicants with fair to excellent credit, with a FICO score of 580–669, can qualify.

    Spending Limitations / Potential Drawbacks:

    Rewards on gas and groceries are capped each year, which limits earning potential for heavy spenders.

    Why it Works for Beginners:

    The card has no annual fee and a straightforward earning system, making it easy for new cardholders to manage.

  • Costco Anywhere Visa® Card By Citi

    The Costco Anywhere Visa® Card by Citi is a cash back card designed for Costco members who want to earn rewards on everyday expenses. It works both inside Costco and at many places outside the warehouse.

    This card focuses on popular spending categories such as gas, dining, and travel. Cardholders can earn rewards automatically without having to track rotating categories.

    Earning Structure:

    • 5% cash back on gas at Costco
    • 4% cash back on eligible gas and EV charging purchases for the first combined $7,000 spent annually, 1% thereafter
    • 3% cash back on restaurants and eligible travel purchases
    • 2% cash back on purchases from Costco and Costco.com
    • 1% cash back on all other purchases

    Welcome Bonus:

    This card does not currently offer a welcome bonus.

    Card Details:

    • Annual fee: $0 with paid Costco membership
    • APR: 19.49%–27.49% variable
    • Other benefits: Purchase protection, extended warranty, travel accident insurance
    • Network: Visa
    • Type: Cash back
    • Foreign transaction fees: None
    • Eligibility: Must be a Costco member to apply

    Key Benefits:

    • No annual fee beyond Costco membership
    • High rewards rate on gas and EV charging
    • Solid cash back on dining and travel
    • No foreign transaction fees
    • Accepted worldwide wherever Visa is used

    Redemption Options:

    Rewards are issued annually as a certificate that can be redeemed for cash or merchandise at Costco.

    Credit Requirements:

    Applicants generally need excellent credit, with a FICO score of 740 or higher.

    Spending Limitations / Potential Drawbacks:

    The higher gas rewards apply only up to $7,000 per year, after which the rate drops to 1%.

    Why it Works for Beginners:

    It offers simple cash back categories and automatic rewards, making it easy to manage without complex tracking.

  • Wyndham Rewards Earner® Plus Card

    The Wyndham Rewards Earner® Plus Card is designed for people who want to earn extra rewards on everyday purchases. It works especially well for travelers who often stay at Wyndham hotels.

    The card also provides strong earning potential on gas spending, making it a practical choice for drivers. Its rewards system is simple to understand and easy to use.

    Earning Structure:

    • 6x points on Wyndham hotel stays and gas purchases
    • 4x points on dining and grocery store purchases
    • 1x point on all other eligible purchases

    Welcome Bonus:

    Earn 90,000 bonus points after spending $2,000 in the first three months of opening.

    Card Details:

    • Annual fee: $75
    • APR: 19.99%–29.99% variable
    • Other benefits: Wyndham Gold status, late checkout, preferred room upgrades
    • Network: Mastercard
    • Type: Travel rewards credit card
    • Foreign transaction fees: None
    • Additional perks: Access to Mastercard benefits

    Key Benefits:

    • High rewards rate on gas purchases
    • Strong hotel rewards for Wyndham stays
    • Automatic Wyndham Gold elite status
    • No foreign transaction fees
    • Extra rewards on dining and groceries

    Redemption Options:

    Points can be redeemed for hotel stays, gift cards, or other travel-related rewards.

    Credit Requirements:

    Applicants generally need good to excellent credit to qualify, with a FICO score of at least 670.

    Spending Limitations / Potential Drawbacks:

    The card has an annual fee and offers the best value mainly for Wyndham loyalists.

    Why it Works for Beginners:

    It provides clear earning categories and simple redemption options, making it easy to manage.

  • Credit One Bank® Platinum X5 Visa Signature®

    The Credit One Bank® Platinum X5 Visa Signature® is designed for people who want to earn rewards on common, everyday expenses. It focuses on categories like gas, groceries, and internet services.

    This card works best for cardholders who spend regularly in these areas and want to maximize cash back. It also offers standard Visa Signature benefits for added value.

    Earning Structure:

    • 5% cash back on the first $5,000 spent each year on gas, groceries, internet, cable, and satellite TV
    • 1% cash back on all other purchases

    Welcome Bonus:

    This card does not currently offer a welcome bonus.

    Card Details:

    • Annual fee: $95
    • APR: 28.99% variable
    • Other benefits: Visa Signature perks like travel and purchase protections
    • Network: Visa
    • Type: Cash-back credit card
    • Foreign transaction fees: 3%
    • Credit reporting: Monthly to all three credit bureaus

    Key Benefits:

    • 5% cash back on select everyday categories
    • 1% cash back on all other purchases
    • Access to Visa Signature benefits
    • Reports to major credit bureaus
    • Useful for building or improving credit history

    Redemption Options:

    Cash back rewards can be redeemed as statement credits or applied toward future purchases.

    Credit Requirements:

    Applicants typically need fair to good credit, around a 580 credit score or higher.

    Spending Limitations / Potential Drawbacks:

    The 5% cash back rate only applies to the first $5,000 in combined purchases each year, and the high APR can make carrying a balance costly.

    Why it Works for Beginners:

    It offers a straightforward cash-back structure while helping users build credit through regular reporting.

  • Platinum Rewards Visa Signature® Card

    The Platinum Rewards Visa Signature® Card focuses on rewarding everyday spending in key categories. It is designed for people who spend often on gas and other household needs. The card uses a points system that allows cardholders to earn rewards quickly. It also includes standard Visa Signature benefits that add extra value to daily use.

    Earning Structure:

    • 5x points per dollar on gas purchases
    • 3x points per dollar on groceries
    • 1x point per dollar on other purchases

    Welcome Bonus:

    This card offers 15,000 bonus points after spending $1,500 in the first three months of account opening.

    Card Details:

    • Annual fee: $0
    • APR: 17.99% variable
    • Other benefits: Visa Signature perks like travel and purchase protections
    • Network: Visa
    • Type: Rewards credit card
    • Foreign transaction fees: None
    • Additional features: Access to digital tools and account management

    Key Benefits:

    • No annual fee to maintain the card
    • High reward rate on gas spending
    • Bonus points on grocery purchases
    • Wide acceptance through the Visa network
    • Useful Visa Signature protections

    Redemption Options:

    Points can be redeemed for travel, gift cards, merchandise, or account credits.

    Credit Requirements:

    Applicants need good to excellent credit, often with a FICO score of 670–739.

    Spending Limitations / Potential Drawbacks:

    The highest reward rates apply only to gas and grocery purchases, so other spending earns a lower rate.

    Why it Works for Beginners:

    It offers simple earning categories and no annual fee, making it easy for new cardholders to use and manage.

Frequently Asked Questions

What exactly is a gas rewards credit card?

A gas rewards credit card is a credit card that offers points, miles, or cash back when you purchase fuel. It works like a regular credit card but provides extra value at gas stations. These rewards can often be redeemed for statement credits, travel, or gift cards.

How much money could a gas credit card realistically save me?

Savings depend on your driving habits and the card’s reward rate. For example, spending $200 a month on gas with a 5% cash back card could return about $120 annually. Higher mileage or long commutes can increase those savings even more.

What potential downsides should I know about gas credit cards?

Some cards limit bonus rewards to certain stations or set annual spending caps. High interest rates can offset rewards if you carry a balance. Others may require annual fees, which reduce net savings if you don’t spend heavily on fuel.

What key factors matter most when selecting a gas credit card?

Consider the rewards rate, annual fees, and whether the card has spending limits or rotating categories. Check if it offers perks like no foreign transaction fees or extra rewards on groceries or travel. Choose one that matches your driving habits and overall spending patterns.

Can using a gas credit card help strengthen my credit history?

Yes, consistent on-time payments and low balances can build a positive credit record. Gas cards report activity to credit bureaus like any other credit card. Over time, responsible use may help improve your credit score.