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Unless you live in a city with great public transportation, you likely purchase hundreds of gallons of fuel each year. Along with food and housing, fuel ranks as one of the most significant expenses for many families. By using the right card at the pump, you can earn up to 6X points or 10.5% cash back on your fuel purchases.
Many of the best gas credit cards come with no annual fee and offer cash back, which is ideal if you want to keep your out-of-pocket costs to a minimum. In some cases, it might be worth paying an annual fee to earn transferable points, as these cards can provide even higher returns and additional benefits beyond fuel savings.
Without further ado, here are the best credit cards for gas and fuel you can use in 2026.
Best Overall Gas Credit Card: Citi Strata Premier® Card
The Citi Strata Premier® Card (Rates & Fees) is one of the best credit cards for fuel purchases. This card earns unlimited 3X points per $1 spent at gas and EV charging stations. You'll then be able to transfer those ThankYou® Points to Citi's 21 airline and hotel transfer partners.
While other cards may earn higher multipliers, the Citi Strata Premier takes the prize due to the value of Citi ThankYou Points. AwardWallet users redeem ThankYou Points for an average of 2.32¢ apiece, netting over a 6.9% return on gas purchases.
The Citi Strata Premier charges a $95 annual fee that can be easily offset by a $100 annual hotel credit for bookings of $500 or more through Citi Travel℠.
Related: Citi Strata Premier® Card Full Review
- Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
- Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
- Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
- Earn 1 Point per $1 spent on all other purchases
- $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
- No expiration and no limit to the amount of points you can earn with this card
- No Foreign Transaction Fees on purchases
- 10X on Hotels, Car Rentals, and Attractions booked through CitiTravel.com
- 3X – Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases
- 3X – Earn 3 Points per $1 spent on Restaurants
- 3X – Earn 3 Points per $1 spent on Supermarkets
- 3X – Earn 3 Points per $1 spent on Gas and EV Charging Stations
- 1X – Earn 1 Point per $1 spent on All Other Purchases
If you want all the gas earnings without an annual fee, the Citi Strata℠ Card (Rates & Fees) also offers 3X points on gas and EV charging stations. While you can access all the same transfer partners as a Citi Strata Card holder, points transfer at reduced ratios. That means your return on gas purchases will be slightly lower, but it could be worth the trade-off if you're averse to annual fees.
- Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.
- 0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
- Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.
- Earn 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.
- No Annual Fee
- 5X – Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel℠ via cititravel.com
- 3X – Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
- 3X – Earn 3 ThankYou® Points per $1 spent at Supermarkets
- 3X – Earn 3 ThankYou® Points per $1 spent on Select Transit purchases
- 3X – Earn 3 ThankYou® Points per $1 spent at Gas and EV Charging Stations
- 2X – Earn 2 ThankYou® Points per $1 spent at Restaurants
- 1X – Earn 1 ThankYou® Point per $1 spent on All Other Purchases
Best Gas Credit Card With Other Bonus Categories: Wells Fargo Autograph® Card
The Wells Fargo Autograph® Card is another no-annual-fee option that offers 3X points on gas and EV charging station purchases. Wells Fargo is a relative newcomer to the transferable points space, but already offers a growing list of 10 transfer partners. On average, AwardWallet users redeem Wells Fargo Rewards for 2.38¢ apiece, which means you get an impressive return of more than 7.1% on your gas purchases.
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
- Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
- $0 annual fee.
- 0% intro APR for 12 months from account opening on purchases. 18.49%, 24.49%, or 28.49% Variable APR thereafter.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- 3x on travel – including airfare, hotels, car rentals, timeshares, cruises, and more
- 3x on transit – including parking, tolls, subways, ride shares, railways, ferries, and more
- 3x on dining – including dining in, take-out, catering, delivery and more
- 3x at gas stations – including gas stations and electric vehicle charging stations
- 3x on phone plans – including landline providers and cell phones
- 3x on streaming services
- 1x on other purchases
The Wells Fargo Autograph might have the most well-rounded earning potential on this list. In addition to 3X points at gas stations, you'll also earn unlimited 3X points on restaurants, travel, transit, streaming, and cell phone plans. This card is clearly designed to maximize earnings where people tend to spend the most.
Related: Wells Fargo Autograph® Card Full Review
Best Gas Credit Card for Beginners: Chase Sapphire Preferred® Card
The Chase Sapphire Preferred® Card (Rates & Fees) is a fan favorite beginner's card for many reasons. It has a great earning potential, top-of-the-line travel and purchase protections, and access to 14 airline and hotel transfer partners.
When the Chase Sapphire Preferred® Card was refreshed in mid-2026, it added two fantastic bonus earning categories while keeping annual fees in check. In addition to a new 3X vacation rental bonus category, cardholders earn 3X Chase Ultimate Rewards points on gas stations and EV charging stations. This brought it from a card to avoid when filling up to a card to reach for. On average, AwardWallet users can redeem points for 2.04¢ apiece, giving you a 6% return on your gas purchase.
- Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, 3x on vacation homes, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases
- Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Emergency Evacuation and Transportation and more
- Get a year of complimentary Apple TV when activated by December 31, 2026 - a value of $156.
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for 12 months when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
- Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck® or NEXUS application.
- Transfer points to leading airline and hotel loyalty programs
- Member FDIC
- 5X points on Lyft rides through September 2027
- 5X points on travel purchased through Chase Travel℠
- 3X points on dining at restaurants worldwide
- 3X points on gas and EV charging
- 3X points on vacation homes at top brands like Airbnb, Vrbo and more
- 3X points on eligible streaming services
- 3X points on online grocery purchases (excluding Target, Walmart, and wholesale clubs)
- 2X points on all other travel
- 1X point per dollar spent on all other purchases
The $95 annual fee is easily justified thanks to an enhanced $100 Chase Travel hotel credit and up to $120 back every four years toward your TSA PreCheck or Global Entry application fee.
Related: Chase Sapphire Preferred® Card Full Review
Best Gas Credit Card for Cash Back: Blue Cash Everyday® Card from American Express
The Blue Cash Everyday® Card from American Express allows cardholders to earn 3% cash back in three main categories: U.S. supermarkets, online retail purchases, and U.S. gas stations. You'll earn 3% back on your first $6,000 spent in each category each year. So, as long as you spend less than $500 a month at U.S. gas stations, you'll earn 3% back on all of your fill-ups. Note that cash back is received as Reward Dollars, which can be redeemed as a statement credit.
With a $0 annual fee (Rates & Fees), it's easy to see why the Blue Cash Everyday is one of our favorite cash back credit cards. Even though you won't pay an annual fee, you can also enjoy up to $7 in statement credits each month on subscriptions from DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites.
(Terms apply)
- Apply and find out your welcome offer. As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $2,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
- No Annual Fee.
- Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, your APR will be a variable APR of 19.49%-28.49%.
- Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
- Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
- Terms Apply.
- 3% cash back at U.S. supermarkets (on up to $6,000 per year in eligible purchases, then 1%)
- 3% cash back at U.S. gas stations (on up to $6,000 per year in eligible purchases, then 1%)
- 3% cash back with U.S. online retailers (on up to $6,000 per year in eligible purchases, then 1%)
- 1% back on other eligible purchases
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
If you tend to spend more than $6,000 per year on gas, you can opt for the Blue Cash Preferred® Card from American Express, which earns unlimited 3% back at U.S. gas stations. You'll also earn an elevated 6% cash back at U.S. supermarkets (up to $6,000 spent each year), 6% back on select streaming services, and 3% back on transit. Cardholders also enjoy a Disney streaming credit of up to $10 each month. However, it charges a $0 intro annual fee for the first year, then $95 each year thereafter (Rates & Fees), so be sure to do the math to determine if you spend enough to make the annual fee worth it.
Related: Blue Cash Everyday® Card from American Express Full Review
Best Fixed-Value Rewards Gas Credit Card: U.S. Bank Altitude® Connect Visa Signature® Card
The U.S. Bank Altitude® Connect Visa Signature® Card offers the highest points multiplier on gas station purchases among general rewards credit cards. You'll earn 4X points at gas and EV charging stations on your first $1,000 spent each quarter. After $1,000 in spending each quarter, you'll earn just 1X on purchases. But as long as you spend less than $334 on gas each month, you're in the clear.
While this card has a fantastic multiplier, you won't have any way to redeem points for outsized value. Your points are worth 1¢ apiece toward travel or as a deposit into an eligible U.S. Bank account. However, if you are happy with lucrative earnings and fixed-value redemptions, it's hard to beat the Altitude Connect.
You'll also earn an unlimited 4X points on travel, 2X points on dining, streaming services, and grocery stores, and 1X points on all other purchases. You'll even get complimentary GigSky global mobile data plans through November 30, 2026.
- 5X points on prepaid hotels and rental cars booked through the Altitude Rewards Center
- 4X points on other travel, including airlines, hotels, rental cars, cruises, taxis, trains, and limousines.
- 4X points at gas stations and on electric vehicle charging (on up to $1,000 in spending each quarter)
- 2X points at grocery stores, grocery delivery, dining, and streaming services
- 1 point on all other eligible purchases
Related: U.S. Bank Altitude® Connect Visa Signature® Card Full Review
Best Gas Credit Card for First-Year Earnings: Bank of America® Customized Cash Rewards credit card
If you hold the Bank of America® Customized Cash Rewards credit card, you can earn 6% cash back for the first year of card membership in the category of your choice from the following options:
- Gas and EV charging stations
- Online shopping, including cable, internet, phone plans and streaming
- Dining
- Travel
- Drug stores and pharmacies
- Home improvement and furnishings
Naturally, if you want to maximize your gas purchases, you'll select the gas and EV charging stations category to earn 6% cash back. You'll also earn 2% cash back at grocery stores and wholesale clubs. You can earn 6% and 2% back on up to $2,500 in combined quarterly purchases, then unlimited 1%. You can change your choice category once per month, so if you happen to have a month where you don't spend as much on gas, you don't have to sacrifice bonus rewards.
- 6% cash back for the first year in the category of your choice: gas and EV charging stations, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy purchase, or home improvement/furnishing purchases, then 3% after the first year of card membership*
- 2% cash back at grocery stores and wholesale clubs*
- 1% cash back on all other purchases
- * You'll earn 6% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
Even better, BofA Rewards™ members get up to a 75% bonus on their earnings, boosting their return to an incredible 10.5% cash back! After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
Related: Bank of America® Customized Cash Rewards credit card Full Review
Best Gas Credit Card for Costco Shoppers: Costco Anywhere Visa® Card by Citi
Not only does Costco tend to offer more affordable gas than Exxon or Shell stations, but the Costco Anywhere Visa® Card by Citi also offers a great return on gas and fuel purchases. Cardholders earn 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter.
Obviously, the Citi Costco Visa only makes sense if you are a loyal Costco shopper, as you'll need a Costco membership to maximize its benefits.
Note that you'll receive your cash back as an annual credit card reward certificate in February that is redeemable for cash or merchandise at U.S. Costco warehouses. This is notably different from other cards on this list that allow you to redeem your rewards whenever you'd like. That said, if you normally fill up at Costco anyway, the Citi Costco Visa is one of the few cards that actually allows you to earn bonus cash back at Costco. Wholesale clubs are typically excluded from bonus-earning categories.
Related: Costco Anywhere Visa® Card by Citi Full Review
Best Gas Credit Card for Hotel Stays: Hilton Honors American Express Surpass® Card
At one point, Wyndham's co-branded cards offered the highest return on gas purchases of virtually any card on the market. However, when Wyndham overhauled its credit card lineup, it decreased the earning rate on gas station purchases on several cards. That means we have a new leader when it comes to hotel cards for gas purchases.
The Hilton Honors American Express Surpass® Card earns an impressive 6X points at U.S. gas stations. Although AwardWallet users typically redeem Hilton points for 0.62¢ apiece, if you redeem your Hilton points at high-value luxury hotels, you could potentially redeem them for 3.5¢ apiece or more. That's a return of over 21% on fuel purchases, but only if you can redeem Hilton points for top value.
(Terms Apply)
- Earn 130,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass® Card after you spend $3,000 in purchases on the Card within your first 6 months of Card Membership.
- Enjoy complimentary Hilton Honors Gold Status with benefits like an 80% Points earning Bonus on Stays, daily food & beverage credit or continental breakfast (varies by brand & region), space-available room upgrades at select properties, and more.
- Get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Surpass® Card. That's up to $200 in statement credits annually.
- Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
- Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
- Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
- Earn 4X Hilton Honors Bonus Points for each dollar of U.S. Online Retail purchases.
- Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
- Hilton Honors American Express Surpass® Card Members can enjoy complimentary National Car Rental® Emerald Club Executive® status, including perks like Executive Area Access (for full-size reservations and above) in the USA and Canada. Card Members must enroll in the National Car Rental Emerald Club Executive status through their American Express online account using their Card. Terms apply.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- Whenever you travel more than 100 miles from home, Global Assist® Hotline is available for 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.
- $150 annual fee.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- 12X bonus points for each dollar of eligible purchases charged on your card directly with a hotel or resort within the Hilton portfolio
- 6X bonus points for each dollar of eligible purchases on your card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations
- 4X bonus points on U.S online retail purchases
- 3X bonus points for all other eligible purchases on your card
There are plenty of other reasons to consider the Hilton Surpass, including a $50 quarterly Hilton credit, automatic Hilton Honors Gold status, and complimentary National Car Rental Emerald Club Executive status. However, with a $150 annual fee (Rates & Fees), make sure the benefits are worth the expense.
Related: Hilton Honors American Express Surpass® Card Full Review
Best Gas Credit Card for Small Business Owners: American Express® Business Gold Card
The Wyndham card refresh didn't only impact personal cards. The Wyndham Rewards® Earner℠ Business Card also dropped gas station earnings from 8X to 5X. For reference, AwardWallet users have redeemed Wyndham points for an average of 1.4¢ per point — meaning you can still get a solid 6.6% return on your gas purchases by using this card, but it's nothing like it once was.
- 8X points on Hotels by Wyndham
- 5X points on eligible Vacation Club, gas, EV charging, marketing, advertising, office supply store and shipping purchases
- 1X on all other purchases (excluding Vacation Club down payments)
If you prefer earning points in a more versatile rewards program, the American Express® Business Gold Card offers 4X Membership Rewards points on gas — if it’s one of your top two spending categories each month. Just note that if you spend a lot on fuel, the 4X points apply to the first $150,000 in combined purchases from these two categories each calendar year. You just need to make sure gas is actually one of your top spending categories each month.
(Terms apply)
- As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx (through 10/01/2026), Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
- Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Gold Card. *Subject to auto-renewal.
- Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace. Subscription purchases subject to auto-renewal.
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.
- The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
- Terms Apply
- U.S. purchases for advertising in select media (online, TV, radio)
- U.S. purchases made from electronic goods retailers and software & cloud system providers
- U.S. purchases at gas stations
- U.S. purchases at restaurants, including takeout and delivery
- Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
- Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
There's a lot to love about the Amex Business Gold, including up to $240 in flexible business credits, up to $300 in ChatGPT business credits, up to $150 in Squarespace credits, and up to $155 in Walmart+ credits. Altogether, that's $840 in annual statement credits, which more than offsets the $375 annual fee (Rates & Fees).
Related: American Express® Business Gold Card Full Review
Top Rewards Credit Cards for Gas and Fuel
At the time of writing (mid-July 2026), gas costs roughly $3.87 per gallon, according to AAA. Depending on how much you drive and how fuel-efficient your car is, you might end up spending hundreds of dollars per month on gas. It's advantageous to pay for your fill-up with one of the best gas credit cards to make your transaction more rewarding.
However, it's also important to consider what other bonus earning categories a card offers. You might not want to hold a dedicated credit card for gas, a separate card for travel, a third card for dining, and a 20th card for streaming services. If a card can check multiple boxes where you tend to spend the most, it's a better fit.
Here's how the top rewards credit cards for gas and fuel compare:
| Credit Card | Points Earned on Gas & Fuel | Other Bonus Categories | Annual Fee |
|---|---|---|---|
| Citi Strata Premier® Card (Rates & Fees) | 3X points at gas stations and EV charging | • 10x on hotels, car rentals, and attractions booked through CitiTravel.com • 3X points on air travel, other hotels, supermarkets, and restaurants | $95 |
| Citi Strata℠ Card (Rates & Fees) | 3X on gas and EV charging stations | • 5X on Citi Travel℠ bookings (including hotels, car rentals, and attractions) • 3X on supermarkets, select transit, and one self-selected category (choose from fitness clubs, select streaming services, live entertainment, cosmetic stores/barber shops/hair salons, or pet supply stores) • 2X at restaurants | $0 |
| Wells Fargo Autograph® Card (Rates & Fees) | 3X points at gas stations and EV charging stations | • 3X at restaurants, travel, transit, streaming services, and phone plans | $0 |
| Chase Sapphire Preferred® Card (Rates & Fees) | 3X points at gas stations and EV charging stations | • 5X points on Chase Travel • 3X points on dining, vacation homes at top brands, top streaming services, and online grocery | $95 |
| Blue Cash Everyday® Card from American Express | 3% back at U.S. gas stations (up to $6,000 per year, then 1%). | • 3% back on groceries (up to $6,000 per year, then 1%) • 3% back on U.S. online retail purchases (up to $6,000 per year, then 1%) | $0 - Rates & Fees |
| Blue Cash Preferred® Card from American Express | 3% back on eligible purchases at U.S. gas stations | • Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%) • 6% back on eligible U.S. streaming services • 3% back on eligible transit, including trains, taxi cabs, rideshare services, ferries, tolls, parking, buses, and subways | $0 intro annual fee for the first year, then $95 - Rates & Fees |
| U.S. Bank Altitude® Connect Visa Signature® Card | 4X points at gas stations and EV charging stations on the first $1,000 each quarter (then 1X) | • 5X points on prepaid hotels and car rentals in the travel portal • 4X points on other travel • 2X points at grocery stores, grocery delivery, dining, and streaming services | $0 |
| Bank of America® Customized Cash Rewards credit card | 6% cash back for the first year in the category of your choice, which can be gas and EV charging — up to $2,500 of quarterly purchases in the 6% and 2% categories. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum. | • 2% back at grocery stores and wholesale clubs | $0 |
| Costco Anywhere Visa® Card by Citi | 5% cash back on gas at Costco and 4% cash back on other eligible gas and electric vehicle (EV) charging for the first $7,000 per year, then 1% | • 3% cash back on travel & dining • 2% cash back at Costco and Costco.com | $0 |
| Wyndham Rewards Earner® Plus Card | 4X points on travel (gas, EV charging, air, car rental, rideshare, tolls and trains) | • 6X points at Wyndham hotels • 4X points on eligible dining and grocery purchases (excluding Target® and Walmart®) | $95 |
| Hilton Honors American Express Surpass® Card | 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. gas stations | • 12X at Hilton properties • 6X at U.S. restaurants and U.S. supermarkets • 4X on U.S. online retail purchases | $150 - Rates & Fees |
| Hilton Honors American Express Card | 5X points at U.S. gas stations | • 7X points on purchases made directly with hotels and resorts in the Hilton portfolio • 5X on dining at U.S. restaurants and U.S. supermarkets | $0 - Rates & Fees |
| Wyndham Rewards® Earner℠ Business Card | 5X points on gas and EV charging | • 8X points at Wyndham hotels • 5X points on marketing, advertising, office supply stores, and shipping | $149 |
| Wyndham Rewards Earner® Premier Card | 4X points on travel (gas, EV charging, air, car rental, rideshare, tolls and trains) | • 8X points at Wyndham hotels • 4X points on eligible dining and grocery purchases (excluding Target® and Walmart®) | $395 |
| American Express® Business Gold Card | 4X points on up to $150,000 of purchases each year in 2 of 6 categories with the highest spend each month, including U.S. purchases at gas stations. | 4X Membership Rewards® points on the 2 categories where your business spent the most each billing cycle including: • U.S. purchases for advertising in select media (online, TV, radio) • U.S. purchases made from electronic goods retailers and software & cloud system providers • U.S. purchases at gas stations • U.S. purchases at restaurants, including takeout and delivery • Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways • Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S. 4X points applies to the first $150,000 in combined purchases from these 2 categories each calendar year Then earn 1 point per dollar. 3X points on prepaid airfare and hotels at AmexTravel.com | $375 - Rates & Fees |
| Marriott Bonvoy Business® American Express® Card | 4X points at U.S. gas stations | • 6X points on eligible purchases at hotels participating in Marriott Bonvoy • 4X points at restaurants worldwide, on wireless telephone services purchased directly from U.S. service providers, and on U.S. purchases for shipping | $125 - Rates & Fees |
What Purchases Are Included in the Gas and Fuel Category?
Most issuers define gas station purchases as transactions at merchants whose primary business is selling gasoline. However, there are some variations in what does and doesn't count — and how many rewards you can earn:
- American Express: Excludes superstores, supermarkets, and warehouse clubs.
- Bank of America: Includes marinas and fuel dealers but excludes EV charging from parking lots billing for vehicle charging and charging station installation.
- Chase: Excludes truck stops, boat marinas, oil and propane distributors, and home heating companies.
- Citi: Excludes warehouse clubs, wholesale stores, superstores, discount stores, department stores, and convenience stores.
- PenFed: Excludes airplane and boat fuel.
- U.S. Bank: Excludes wholesale clubs, discount stores/supercenters, grocery stores/supermarkets, truck stops, marinas, home heating companies, or other direct fuel, oil, or propane sales. Gas purchases over $200 on select cards do not qualify for bonus points.
- Wells Fargo: Excludes auto repair stores, car washes, warehouses and membership clubs, grocery stores, and superstores.
For peace of mind, you can also refer to AwardWallet's Merchant Category Code Lookup Tool to see how your purchase might reflect on your card statement before completing your transaction.
Related: The Best Rewards Credit Cards for Each Spending Category
Final Thoughts
Choosing the best credit card for gas and fuel purchases depends on your spending habits, travel preferences, and whether you prefer cash back or transferable points. While several strong options exist, a few stand out above the rest.
For most consumers, the Citi Strata Premier is a clear winner as the best credit card in the gas and fuel category, earning an unrestricted 3X ThankYou Points on purchases at gas stations and EV charging stations — and it's not limited to U.S. gas stations, either.
If you're a Costco fan, it's hard to beat the cash back earned on the Citi Costco Visa. This card provides great value up to the $7,000 annual cap. Or, if you're a business owner, you shouldn't overlook the earning power of the Amex Business Gold, especially if gas is one of your main business expenses.
No matter how you spin it, there are so many fantastic cards you can use for gas or fuel. And picking one of these cards ensures you're not missing out on rewards when you pay at the pump.
$95Rates & Fees
- 10X on Hotels, Car Rentals, and Attractions booked through CitiTravel.com
- 3X – Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases
- 3X – Earn 3 Points per $1 spent on Restaurants
- 3X – Earn 3 Points per $1 spent on Supermarkets
- 3X – Earn 3 Points per $1 spent on Gas and EV Charging Stations
- 1X – Earn 1 Point per $1 spent on All Other Purchases
$150Rates & Fees
(Terms Apply)
- 12X bonus points for each dollar of eligible purchases charged on your card directly with a hotel or resort within the Hilton portfolio
- 6X bonus points for each dollar of eligible purchases on your card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations
- 4X bonus points on U.S online retail purchases
- 3X bonus points for all other eligible purchases on your card
$375Rates & Fees
(Terms apply)
- U.S. purchases for advertising in select media (online, TV, radio)
- U.S. purchases made from electronic goods retailers and software & cloud system providers
- U.S. purchases at gas stations
- U.S. purchases at restaurants, including takeout and delivery
- Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
- Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
Page Contents
- Best Overall Gas Credit Card: Citi Strata Premier® Card
- Best Gas Credit Card With Other Bonus Categories: Wells Fargo Autograph® Card
- Best Gas Credit Card for Beginners: Chase Sapphire Preferred® Card
- Best Gas Credit Card for Cash Back: Blue Cash Everyday® Card from American Express
- Best Fixed-Value Rewards Gas Credit Card: U.S. Bank Altitude® Connect Visa Signature® Card
- Best Gas Credit Card for First-Year Earnings: Bank of America® Customized Cash Rewards credit card
- Best Gas Credit Card for Costco Shoppers: Costco Anywhere Visa® Card by Citi
- Best Gas Credit Card for Hotel Stays: Hilton Honors American Express Surpass® Card
- Best Gas Credit Card for Small Business Owners: American Express® Business Gold Card
- Top Rewards Credit Cards for Gas and Fuel
- What Purchases Are Included in the Gas and Fuel Category?
- Final Thoughts
For rates and fees of the cards mentioned in this post, please visit the following links: Citi Strata Premier® Card (Rates & Fees), Citi Strata℠ Card (Rates & Fees), Chase Sapphire Preferred® Card (Rates & Fees), Blue Cash Everyday® Card from American Express (Rates & Fees), Blue Cash Preferred® Card from American Express (Rates & Fees), Hilton Honors American Express Surpass® Card (Rates & Fees), American Express® Business Gold Card (Rates & Fees), Marriott Bonvoy Business® American Express® Card (Rates & Fees), and Hilton Honors American Express Card (Rates & Fees)
