Picture this: you’re at the pump, watching the numbers tick higher as your tank fills up. Whether it’s a quick $20 top-off or a triple-digit bill for your SUV, one thing’s certain—gas isn’t cheap. If you’re not swiping a gas credit card, you’re leaving rewards on the table. At Fezoom, we’re all about turning everyday spending into savings, and gas is a prime opportunity. From cash back to travel points, the right card can make every fill-up feel a little less painful. Here’s why you need a gas credit card and our top picks to fuel your wallet.
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Why You Need a Gas Credit Card
Gas is a staple expense for most drivers, and it adds up fast—especially if you’re commuting daily or hitting the road for weekend getaways. A gas credit card turns that necessity into a chance to earn rewards, whether it’s 3% cash back, 5x points, or exclusive perks. For example, my spouse drives 60 miles round-trip to work each day, so I added them as an authorized user on my Costco Anywhere Visa® Card by Citi. With 5% back on Costco gas and 4% on other gas purchases (up to $7,000/year), it’s a no-brainer for us. Last year, that card alone netted us over $200 in rewards, mostly from gas and groceries. If you drive, a gas card is a must-have.
Our Top Picks for the Best Gas Credit Cards
We’ve rounded up the best gas credit cards for every type of driver, from cash-back lovers to travel enthusiasts. Here’s the lineup:
- Blue Cash Preferred® Card from American Express – Best for families and grocery shoppers
- Bank of America® Customized Cash Rewards credit card – Best for customizable rewards
- Capital One Quicksilver Cash Rewards Credit Card – Best for straightforward cash back
- Costco Anywhere Visa® Card by Citi – Best for Costco loyalists
- Chase Freedom Flex® – Best for rotating bonus categories
- Chase Sapphire Preferred® Card – Best for travel rewards beginners
- Chase Freedom Unlimited® – Best for flexible cash back
- Wyndham Rewards Earner Business Card* – Best for business owners loyal to Wyndham
- Wyndham Rewards Earner Plus Card* – Best for frequent Wyndham guests
- U.S. Bank Altitude® Connect Visa Signature® Card* – Best for no-annual-fee travel perks
*The information for these cards has been collected independently by Fezoom have not been reviewed or provided by the issuer.
Comparing the Best Gas Credit Cards
Here’s a side-by-side look at our top picks to help you decide:
| Card | Best For | Welcome Offer | Earning Rates | Annual Fee |
|---|---|---|---|---|
| Blue Cash Preferred® Card from Amex | Families | $250 back after $3,000 in 6 months | 6% at U.S. supermarkets (up to $6,000/year), 3% at U.S. gas stations, 1% other | $0 intro, then $95 |
| Bank of America® Customized Cash | Custom rewards | $200 after $1,000 in 90 days | 3% in chosen category (e.g., gas), 2% at grocery stores (up to $2,500/quarter) | $0 |
| Capital One Quicksilver Cash Rewards | Simple cash back | $200 after $500 in 3 months | 1.5% on all purchases, 5% on travel via Capital One | $0 |
| Costco Anywhere Visa® by Citi | Costco shoppers | None | 5% on Costco gas, 4% other gas (up to $7,000/year), 3% dining/travel | $0 (Costco membership) |
| Chase Freedom Flex® | Rotating categories | $200 after $500 in 3 months | 5% on rotating categories (up to $1,500/quarter), 3% dining/drugstores | $0 |
| Chase Sapphire Preferred® | Travel beginners | 60,000 points after $4,000 in 3 months | 5x on Chase travel, 3x dining, 2x other travel, 1x gas | $95 |
| Chase Freedom Unlimited® | Flexible cash back | $250 after $500 in 3 months | 5% on Chase travel, 3% dining/drugstores, 1.5% other | $0 |
| Wyndham Rewards Earner Business* | Wyndham business owners | Up to 75,000 points | 8x on gas and Wyndham hotels, 5x on marketing/utilities | $95 |
| Wyndham Rewards Earner Plus* | Frequent Wyndham guests | 45,000 points after $1,000 in 90 days | 6x on gas and Wyndham hotels, 4x dining/groceries | $75 |
| U.S. Bank Altitude® Connect* | No-fee travel perks | 20,000 points after $1,000 in 90 days | 4x on gas/EV charging (up to $1,000/quarter), 5x on prepaid travel | $0 |
Detailed Reviews of the Best Gas Credit Cards
Blue Cash Preferred® Card from American Express
- Best for: Families and grocery shoppers
- Why we love it: This card’s 6% back at U.S. supermarkets (up to $6,000/year) is a dream for big households, and the 3% at U.S. gas stations keeps drivers happy. The $95 annual fee (waived the first year) pays off if you max out those categories. I’ve used it to cover a $150 dinner bill with cash back from grocery runs and fill-ups.
- Standout perk: Up to $84 back annually on Disney Bundle subscriptions.
- Apply here: Blue Cash Preferred
Bank of America® Customized Cash Rewards credit card
- Best for: Customizable rewards
- Why we love it: Pick gas as your 3% category (up to $2,500/quarter) and pair it with 2% at grocery stores. No annual fee makes it a keeper, and Bank of America Preferred Rewards members can boost gas earnings to 5.25%. It’s perfect for tailoring rewards to your life.
- Standout perk: Change your 3% category monthly.
- Apply here: Bank of America Customized Cash Rewards
Capital One Quicksilver Cash Rewards Credit Card
- Best for: Straightforward cash back
- Why we love it: Earn 1.5% on everything—including gas—with no categories to track. It’s simple, fee-free, and offers 5% on hotels and rental cars via Capital One Travel. Great for low-maintenance savers.
- Standout perk: No minimum redemption amount.
- Learn more: Capital One Quicksilver
Costco Anywhere Visa® Card by Citi
- Best for: Costco loyalists
- Why we love it: With 5% on Costco gas and 4% elsewhere (up to $7,000/year), this card rules for members. Add 3% on dining and travel, and it’s a powerhouse. Rewards come annually, but for Costco fans like me, it’s worth it.
- Standout perk: Stack with Executive membership for 5% on travel.
- Apply here: Costco Anywhere Visa
Chase Freedom Flex®
- Best for: Rotating bonus categories
- Why we love it: Get 5% on rotating categories (up to $1,500/quarter)—gas often included—plus 3% on dining and drugstores. Pair it with a Sapphire card to turn cash into travel points. No fee, big value.
- Standout perk: Cellphone protection.
- Apply here: Chase Freedom Flex
Chase Sapphire Preferred® Card
- Best for: Travel rewards beginners
- Why we love it: Earn 1x on gas, but shine with 5x on Chase travel and 3x on dining. Points transfer to airlines and hotels, making them ultra-valuable. The $95 fee is a steal for travelers.
- Standout perk: $50 annual hotel credit via Chase Travel.
- Apply here: Chase Sapphire Preferred
Chase Freedom Unlimited®
- Best for: Flexible cash back
- Why we love it: 1.5% on gas and all non-bonus purchases, plus 5% on Chase travel and 3% on dining. No fee, and you can convert cash to points with another Chase card. It’s an all-star for everyday use.
- Standout perk: No minimum redemption.
- Apply here: Chase Freedom Unlimited
Wyndham Rewards Earner Business Card*
- Best for: Business owners loyal to Wyndham
- Why we love it: Earn 8x on gas and Wyndham hotels, plus 5x on marketing. The $95 fee is offset by 15,000 annual bonus points and Diamond status. A niche gem for Wyndham fans.
- Standout perk: Free employee cards.
- Learn more: Wyndham Rewards Earner Business
Wyndham Rewards Earner Plus Card*
- Best for: Frequent Wyndham guests
- Why we love it: 6x on gas and Wyndham hotels, 4x on dining/groceries, and a $75 fee softened by 7,500 annual points. Perfect for hotel regulars who drive.
- Standout perk: Platinum elite status.
- Learn more: Wyndham Rewards Earner Plus
U.S. Bank Altitude® Connect Visa Signature® Card*
- Best for: No-annual-fee travel perks
- Why we love it: 4x on gas/EV charging (up to $1,000/quarter) and 5x on prepaid travel, plus lounge visits and TSA PreCheck credits—all for $0. A sleeper hit for road trippers.
- Standout perk: Four Priority Pass lounge visits.
- Learn more: U.S. Bank Altitude Connect
What to Consider When Choosing a Gas Credit Card
Picking the right card depends on you. Here’s what to think about:
- Rewards Type: Cash back (Blue Cash Preferred) or travel points (Sapphire Preferred)? Cash is simple; points offer flexibility.
- Spending Habits: Gas-heavy? Go for Costco Anywhere. Grocery-focused? Blue Cash Preferred. Match the card to your budget.
- Annual Fee: No-fee options like Freedom Unlimited work for beginners; fee cards like Sapphire Preferred reward bigger spenders.
- Welcome Bonus: A $200 bonus (Quicksilver) or 60,000 points (Sapphire Preferred) can tip the scales.
Redemption Options for Gas Credit Cards
Most gas cards offer cash back as statement credits, checks, or gift cards. Some, like the Sapphire Preferred, earn points you can transfer to travel partners for bigger value. Pick what suits your goals—simplicity or adventure.
Bottom Line
If you drive, a gas credit card is non-negotiable. You’re spending the money anyway—why not earn something back? For Costco members, the Anywhere Visa is a slam dunk. For no-fee flexibility, try the Bank of America Customized Cash. For grocery and gas combo, the Blue Cash Preferred shines. Figure out your spending and rewards vibe, then grab a card that fits. Your wallet—and your tank—will thank you.