Are you thinking of getting a BP, Shell or Chevron credit card just so you can save on fuel purchases? Hold that off. While brand-specific cards give you rebates when you use their pump, I strongly recommend that you get gas credit cards that do not limit your fuel purchase to a certain petrol company; and not only give you rewards when you buy fuel, but also give you rebates when you use your card for other everyday purchases.
GET.com's best gas cards
|Best For||Credit Card|
|3% cash back||BankAmericard Cash Rewards™ Credit Card|
|Cash back twice||Citi® Double Cash Card|
|All round||Chase Freedom Unlimited℠|
When looking through our best rated gas credit cards in the US, you will see that many do not charge an annual fee, and some offer 0% introductory APR on purchases and balance transfers as well.
Many gas credit cards offer a 2-5% rebate at gas stations and 1% back on other purchases, thus reducing the cost of your fuel. Gas rebates are usually given out in the form of an account credit, check or gift card. Keep in mind that with some card issuers, you need to request for your rebate in advance, and that some cards impose a cap on the amount of rebates you can get in a year.
Below are our 8 best rated gas credit cards in the US offering gas rebates so that you can find the card that best matches your preferences.
BuyPower Card from Capital One® lets you earn up to $250 after spending $5,000 every year by making 5% Earnings on your first $5,000 in purchases per year. As if that weren't incentive enough, you also get unlimited 2% Earnings on every purchase after that! You can redeem these Earnings when you lease or purchase a new Chevrolet, Buick, GMC or Cadillac. There are no redemption limits and your Earnings don't expire. If you want to save even more you can combine your Earnings with any current GM promotions going on at your local dealership. This card has no annual fee and no foreign transaction fees. Unlike most of the other cards in its category this card gives you 0% intro APR on purchases for 12 months. That's an entire year interest free! After this period a 13.15% - 23.15% variable APR will apply
Read our BuyPower Card from Capital One® review here.
Chase Freedom® lets you earn 5% cash back for up to $1,500 worth of combined purchases that you make in bonus categories each quarter. Bonus categories change every 3 months and include things like gas stations, restaurants and wholesale clubs, you can earn it by activating your bonus each quarter (it's easy). From October 1 - December 30, 2016, you can earn 5% cash back on up to $1,500 combined purchases at Department Stores, WholeSale Clubs (Such as Costco®, Sam's Club®, and BJ's®) and Drug Stores, and you earn unlimited 1% cash back on every other purchase you make, so you can still earn cash back on gas all year round. This card also comes with a bonus offer which lets you earn a $150 bonus after spending $500 on purchases within your first 3 months after account opening. You can earn a $25 bonus after adding your first authorized user and making just 1 purchase within this same first 3 month period. This cash back credit card has no annual fee.
Read our Chase Freedom® review here.
BankAmericard Cash Rewards™ credit card has no annual fee and you will get a $100 online cash rewards bonus if you make at least $500 in purchases in the first 90 days. As for cash rewards, you will earn 2% cash back at grocery stores and wholesale clubs and 3% cash back on gas on the first $2,500 you spend in combined grocery store, wholesale clubs and gas purchases each quarter. For all other purchases, you will earn 1% cash back. Unlike many other credit cards, you don't have to enroll in any rewards program to earn your cash back and there are no changing categories. Your cash back doesn't expire, and you can choose to redeem it in the form of a statement credit, check, or directly into a Bank of America® checking or savings account. You can benefit from a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account. If you're a Preferred Rewards client you can increase that bonus amount to 25%-75%. You will also enjoy 0% Introductory APR on purchases. After that, 13.24% - 23.24% Variable APR on balance transfers. Balance transfer fees equal 3% of each transaction (minimum $10). See terms and conditions for balance transfer fees and for fees that apply to other transaction types. See Terms.
Read our review of BankAmericard Cash Rewards™ credit card.
Citi® Double Cash Card – 18 month BT offer lets you earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. There are no categories to track and there isn't any cap on the amount of cashback you can earn. So just by using this card, you can earn cash back twice on all eligible purchases, including gas. If you need to transfer a balance, this card gives you 0% intro APR on balance transfers for 18 months, after which the regular 13.24% - 23.24% variable APR (depending on your creditworthiness) on purchases and balance transfers applies. Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases. No annual fee.
Read our review of Citi® Double Cash Card – 18 month BT offer here.
Blue Cash Everyday® Card from American Express lets you earn 2% cash back on purchases from U.S. gas stations and select U.S. department stores. This card has no annual fee and if you apply by 1/11/2017 also lets you earn 10% cash back on purchases at Amazon.com in the first 6 months of cardmembership (up to $200), 3% cash back on up to $6,000 spent per year in purchases at U.S. supermarkets (then 1%) and 1% cash back on other purchases. Terms and limitations apply. No rotating or changing reward categories, so you probably won't have much difficulty figuring out how much you can save on gas. This rewarding card has 0% intro APR on purchases and balance transfers for 12 months, then a 13.24% - 23.24% variable APR depending on creditworthiness and other factors. This card has a signing bonus that lets you get $100 back (as a statement credit) after you spend at least $1,000 in purchases within the 3 first months of card membership. No annual fee. Terms and conditions apply.
Read our review of Blue Cash Everyday® Card from American Express here.
Blue Cash Preferred® Card from American Express lets you earn 3% cash back on purchases you make at U.S. gas stations and select U.S. department stores. You earn 6% cash back on up to $6,000 in purchases at U.S. supermarkets per year, 1% thereafter, and 1% cash back for your other purchases. Terms and limitations apply. The ongoing cash back you get is received in the form of Reward Dollars that you can redeem as a statement credit. As a special offer (if you apply by 1/11/2017) earn 10% cash back on purchases at Amazon.com in the first 6 months of Card Membership, up to $200. This card lets you earn $150 back as statement credit after you make $1,000 in purchases with your new Card within the first 3 months after account opening. You get a 0% intro APR on purchases and balance transfers for 12 months, with 13.24% - 23.24% variable APR after that, based on your creditworthiness and other factors. Terms and conditions apply. $95 annual fee.
Read our Blue Cash Preferred® Card from American Express review here.
Discover it® chrome lets you earn 2% cash back for up to $1,000 of combined purchases you make each quarter at gas stations and restaurants. You earn this cash back automatically, with no need to sign up each quarter. You earn 1% cash back on other purchases you make with this card. Discover has a new offer for new card members only, which matches all the cash back you've earned with this card at the end of your first year automatically. Get 0% intro APR on purchases and balance transfers for 12 months. After that a 11.24% - 23.24% variable purchase APR. This card has no annual fee.
Chase Freedom Unlimited℠ lets you earn unlimited 1.5% cash back automatically on every purchase you make, including gas. This card also comes with a neat bonus offer (you earn a $150 Bonus after spending $500 on purchases in your first 3 months from account opening) and a 0% intro APR for 15 months from account opening on purchases and balance transfers (14.24% - 23.24% variable APR after that). A nice plus is that this card has no annual fee.
Read our review of Chase Freedom Unlimited℠ here.
Costco Anywhere Visa® Card by Citi. You have to be a Costco member to apply for this credit card, so it won't work for everyone. But we at GET.com felt it was too good a gas credit card not to include in this list. This Visa credit card lets you earn 4% cash back on the first $7,000 of gas purchases you make at gas stations (worldwide) and at Costco gas stations every year, and then 1% thereafter. You only earn 1% cash back on gas purchases made at other warehouse clubs (besides Costco), and at supermarkets, convenience stores and superstores, so stick to gas stations that aren't connected to those. This card also lets you earn 3% cash back at restaurants and on eligible travel purchases, and (of course) 2% cash back on all other purchases from Costco and Costco.com. You earn 1% cash back on all other purchases charged to this card.
Click here to see our full selection of Gas Credit Cards.
What Is A Gas Credit Card?
If there is one thing that almost everybody spends money on, its gas. Unless you are the type who doesn't mind taking a 5 hour coffee break while your electric car charges, you will need gas if you want to get anywhere by car.
A gas credit card let's you earn rewards like points or cash back when you fill up your tank. Some gas cards reward you for all purchases that you make at gas stations, and some only let you earn rewards when you pay at the pump. Depending on your spending habits, you may get better value out of one or the other.
If you make a lot of extra purchases at gas stations (food, drinks, convenience purchases), then you will probably earn more by using a card that rewards you for all gas station purchases. If most of your spending at gas stations is for gas, then a card that rewards you when you pay at the pump might work just as well.
For example, Blue Cash Preferred® Card from American Express lets you earn 3% cash back at US gas stations, but only on eligible purchases of gasoline. Terms & limitations apply.
How Much Can I Save On Gas?
Some gas credit cards put limits on the amount of cash back or points you can earn each month, quarter or year. Other cards let you earn unlimited rewards on gas purchases.
For example, Discover it® chrome lets you earn 2% cash back at gas stations (and restaurants), but it has a spending cap of up to $1,000 in combined purchases at restaurants and gas stations every quarter. You'll earn 1% cash back on all your other purchases.
What Credit Do I Need To Apply For A Gas Card?
You can apply for certain gas credit cards even if you have bad credit or no credit. Credit One Bank® Unsecured Visa® Credit Card lets you earn unlimited 1% cash back on gas and groceries, and you can get it even if you have bad credit. But you will pay the 15.65% - 24.15% variable APR right from the posting date, so if you use this card to fill up your tank, make sure to do it just before your billing date and make your payment in full each month, or the APR will bite.
However, if you have excellent credit, you can get much more rewarding gas credit cards like BankAmericard Cash Rewards™ credit card which lets you earn 2% cash back at grocery stores and wholesale clubs as well as 3% cash back on gas on the first $2,500 you spend in combined grocery store, wholesale clubs and gas purchases each quarter.
Are There Other Credit Cards For Gas Savings?
If you don't want to be limited to earning rewards in set categories, you could use a more general credit card to save on gas.
Citi® Double Cash Card – 18 month BT offer lets you earn cash back twice on every purchase. You earn 1% cash back when you buy and another 1% cash back as you pay off those purchases, whether you pay in full or over time (as long as you make the minimum payments). So you can earn cash back on all purchases including gas by using that card.
Another card that lets you earn cash back on all purchases is Capital One® Quicksilver® Cash Rewards Credit Card. This card lets you earn unlimited 1.5% cash back on all your purchases.
If your budget is very irregular and your expenses change month by month, then a flexible cash back card might be a better choice, compared to getting a dedicated gas credit card.
How We Rate Gas Credit Cards
Gas credit cards are rated by GET.com based on the gas rewards and other rewards you can earn (cash back, points, discounts) in relation to the annual fee. Other fees are also taken into account including the APR, grace period, penalty fees, and foreign transaction fees.
We also look at flexibility in how you earn gas rewards, where you earn gas rewards, and how you can redeem your gas rewards. Benefits like travel insurance, purchase protection and price protection are also taken into account.
Ivan Daniel is a writer at GET.com. Email: email@example.com.Editorial Disclosure: Any personal views and opinions expressed by the author in this article are the author's own and do not necessarily reflect the viewpoint of GET.com. The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone, not those of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities.
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November 03 2014 at 05:00
very good card...
January 27 2015 at 22:16