Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). In some cases, we receive a commission from our partners; however, our opinions are our own. Terms apply to offers listed on this page.
The information for the following product(s) has been collected independently by Business Insider: U.S. Bank Altitude® Connect Visa Signature® Card, Citi Custom Cash℠ Card, Citi Premier® Card, Amex EveryDay® Preferred Credit Card, U.S. Bank Altitude® Go Visa Signature® Card, U.S. Bank Cash+® Visa Signature® Card, U.S. Bank Business Triple Cash Rewards World Elite Mastercard®, Citi® Double Cash Card. The details for these products have not been reviewed or provided by the issuer. Redmi Charger
With fuel prices as high as they are, it makes more sense than ever to use one of the best credit cards that include gas stations as a bonus category. The very best of these gas credit cards also earn extra points, miles, or cash back in other popular categories, like travel or dining.
Choosing the best gas credit card for you boils down to the types of rewards you like to earn and your overall spending habits. There are even a handful of credit cards that include EV charging stations in the gas station category — so if you drive an electric vehicle, there are still options for you to earn bonus rewards.
Here are our top credit card picks to make the most of your spending at the pump.
You need between a good credit score and an excellent credit score to be eligible to apply for most gas credit cards on our list. This translates to a FICO score of at least 670. However, some gas station chains have their own proprietary gas cards that you can use only at gas stations. These cards tend to be easier to get approved for, but keep in mind that you'll have very little flexibility in how you earn and redeem rewards.
Gas credit cards are easily worth it for those who drive a lot — especially now that gas prices are extra unsavory. Earning rewards for these purchases can make the price increases a little easier to bear. It's even better if you pick a card that also earns bonus rewards in other categories where you spend a lot of money. For instance, road warriors who spend a lot of overnights away from home might consider a card like the U.S. Bank Altitude® Connect Visa Signature® Card, which earns 4x on gas and travel (including hotels).
The best gas credit card with no annual fee depends on what other categories you spend in and the rewards you prefer to earn. If you're a Costco member, it's hard to beat the earning rate on the Costco Anywhere Visa® Card by Citi. Otherwise, the Bank of America® Customized Cash Rewards Credit Card, Chase Freedom Unlimited®, Citi Custom Cash℠ Card, and U.S. Bank Altitude® Go Visa Signature® Card are all solid options.
Costco takes credit cards — but it only accepts Visa credit cards at U.S. Costco gas stations (like the Costco Anywhere Visa® Card by Citi, PenFed Platinum Rewards Visa Signature® Card, and the U.S. Bank Altitude® Go Visa Signature® Card).
We considered rewards cards that are currently available to new applicants in deciding on the top credit cards for gas purchases, along with these factors:
View our page on how we rate credit cards to learn more about how we rate and review products.
Insider's credit cards division works independently of Personal Finance Insider's business division to scrutinize and compare credit cards that are targeted for various demographics. We will tell you honestly which credit card is most likely to suit your financial goals — and the pitfalls you may encounter.
Costco Anywhere Visa® Card by Citi
The Costco Anywhere Visa® Card by Citi offers 4% cash back on eligible gas and EV charging purchases worldwide (not just at Costco gas stations) on up to $7,000 in purchases per year (then 1%). Plus, you'll earn 3% back on restaurant and eligible travel purchases worldwide, 2% back on all other purchases from Costco and costco.com, and 1% back on everything else.
There's no annual fee, but you need a Costco membership to earn rewards. While gas station earnings on the Costco Anywhere Visa® Card by Citi is excellent, the card doesn't issue cash-back the same way other cards do. You'll only receive your rewards once per year, in the form of a certificate you can redeem for cash back or merchandise at Costco. However, if your annual reward amount is greater than $10,000 you'll receive an alternative form of payment such as a check or electronic transfer.
Costco Anywhere Visa Card Review
U.S. Bank Altitude® Connect Visa Signature® Card
The U.S. Bank Altitude® Connect Visa Signature® Card has a great 4x earning rate at gas stations and on travel, and it's not capped like on some other cards. The gas station category includes EV charging stations, so this is card a good choice for all types of vehicle owners.
Cardholders also earn 2x points at grocery stores and on grocery delivery, dining, and streaming services, and 1 point per dollar on everything else.
Each point is worth 1 cent toward cash back, travel, gift cards, or merchandise, so the U.S. Bank Altitude® Connect Visa Signature® Card effectively earns 4% back at gas stations. The annual fee is $0 intro for the first year, then $95, and you'll get other perks like a Global Entry/TSA PreCheck application fee credit, streaming credits, cell phone protection, Priority Pass airport lounge access with four free visits per year, trip cancellation and interruption insurance, trip delay insurance, and SmartDelay coverage that gets you airport lounge access when your flight is delayed.
U.S. Bank Altitude Connect Card Review
Other U.S. Bank cards that offer a bonus on gas and EV charging include the U.S. Bank Altitude® Go Visa Signature® Card (2x points), U.S. Bank Cash+® Visa Signature® Card (2% cash back when you choose gas and EV charging as your everyday category), and U.S. Bank Business Triple Cash Rewards World Elite Mastercard® (3% cash back).
The Citi Custom Cash℠ Card is unique in that cardholders earn 5% cash back on up to $500 in purchases in the eligible category they spend the most in each billing cycle (then 1%), and 1% on all other purchases.
Gas stations are one of the eligible categories — along with restaurants, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment. If gas is a big expense for you, using the Citi Custom Cash℠ Card for your purchases could earn you up to $25 in bonus cash back per month ($500 x 5% back).
The Citi Custom Cash℠ Card is also offering a welcome bonus of $200 cash back, fulfilled as 20,000 ThankYou® Points, after you spend $1,500 on purchases in the first six months of account opening. For a card with a $0 annual fee, this is a solid deal. Just remember it only earns 1% back outside of your highest spending category each month, so other cards — like the Citi Premier® Card — may be a better fit if you want to earn strong rewards in multiple categories.
Citi Custom Cash Card Review
The Citi Premier® Card is a terrific all-around pick if you like earning flexible Citi ThankYou points and spend a lot in popular everyday categories. You'll earn 3x points at gas stations, restaurants, supermarkets, hotels, and on air travel, and 1 point per dollar on everything else.
Citi ThankYou points are worth 1.6 cents each, on average, based on Insider's points and miles valuations.
New cardholders can earn a welcome bonus of 60,000 bonus ThankYou® points after you spend $4,000 in purchases within the first three months of account opening, and you can use points for travel through the Citi ThankYou portal, transfer them to airline and hotel partners, or redeem them for gift cards, merchandise, cash back, and more.
If you want to earn the most Citi ThankYou points on your spending, consider opening the Citi Trifecta to earn maximum ThankYou points. With the Citi Premier® Card, Citi® Double Cash Card , and Citi Custom Cash℠ Card in your wallet, you'll earn at least 2x points on every purchase.
Amex EveryDay® Preferred Credit Card
If you prefer transferable Amex Membership Rewards points, the Amex EveryDay® Preferred Credit Card is a good option, especially if you make a lot of purchases overall each month.
The card earns 2x points at U.S. gas stations and 3x points at U.S. supermarkets (on up to $6,000 in purchases per year, then 1%), but if you make 30 or more purchases in a billing cycle, you'll receive 50% more points on purchases that period. Effectively, if you reach the purchase threshold, you could earn 3x points when you fuel up.
Amex Everyday Preferred Card Review
Blue Cash Preferred® Card from American Express
The Blue Cash Preferred® Card from American Express is a great card for those who spend a lot on gas, groceries, and commuting. Right now, it's offering a great welcome bonus too — $250 statement credit after you spend $3,000 in purchases on your new card within the first six months from account opening.
It earns 3% cash back at U.S. gas stations and on transit (including taxis, rideshares, parking, tolls, trains, and buses), 6% cash back on select U.S. streaming services, 6% back on the first $6,000 spent at U.S. supermarkets each year, then 1%, and 1% back on all other eligible purchases (cash back is received in the form of Reward Dollars that can be redeemed as statement credits).
American Express Blue Cash Preferred Review
American Express® Business Gold Card
If you qualify for a small-business credit card and spend a lot on gas, the American Express® Business Gold Card could earn you a lot of Membership Rewards points. It's got a unique earning structure — cardholders earn 4x points on the two categories where their business spends the most each billing cycle, up to $150,000 per calendar year (then 1x), 3x points on flights and prepaid hotels booked on AmexTravel.com, and 1 point per dollar on all other purchases.
Amex Business Gold Card Review
PenFed Platinum Rewards Visa Signature® Card
To qualify for the PenFed Platinum Rewards Visa Signature® Card, you'll need to be a member of the PenFed (Pentagon Federal) Credit Union. You don't need a military affiliation to join — all that's required is that you fund a savings account with a minimum of $5 — and you can do so when you apply for the card.
The PenFed Platinum Rewards Visa Signature® Card earns a whopping 5x points on gas purchases at the pump and at EV charging stations. It also earns 3x points at supermarkets, restaurants, and TV, radio, cable, and streaming services, and 1 point per dollar on everything else with no caps. Keep in mind redeeming rewards isn't straightforward — the value of your points varies depending on what you use them for (travel, gift cards, or merchandise) and there's no option to use points for cash back.
PenFed Platinum Rewards Visa Signature Card Review
Bank of America® Customized Cash Rewards Credit Card
If your spending habits change from time to time, having a card that allows you to customize your bonus categories can be a real plus. The Bank of America® Customized Cash Rewards Credit Card gives you the option to choose one 3% bonus category each month, from a list:
Along with earning 3% back in the category you choose, you'll also earn 2% back at grocery stores and wholesale clubs, up to a combined maximum of $2,500 in spending each quarter between the 3% and 2% categories (then you'll earn 1%).
If you're a Bank of America Preferred Rewards customer, the card gets even more compelling. Depending on how much you have on deposit with Bank of America and/or Merrill, you could earn 25% to 75% more rewards — that means you could earn 3.75% to 5.25% cash back on purchases in your choice category.
Bank of America Customized Cash Rewards Credit Card Review
Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards.
Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.
For rates and fees of the U.S. Bank Altitude® Connect Visa Signature® Card, please click here.
For rates and fees of the Blue Cash Preferred® Card from American Express, please click here.
Universal Power Strip For rates and fees of the American Express® Business Gold Card, please click here.