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Most Americans 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, making up a substantial share of credit card spending. By using the right card at the pump, you can earn up to 8X points or 10.5% cash back on your fuel purchases.
About half 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. The rest charge an annual fee but earn points in various rewards programs, often providing 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 2025.
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Best Credit Card for Gas and Fuel for Consumers
The Citi Strata Premier® Card is one of the best credit cards you can use for fuel purchases. This card earns 3X points per $1 spent at gas and EV charging stations.
- 3X points per $1 on airfare and hotels and at gas stations, restaurants, and supermarkets
- Annual Hotel Benefit: Save $100 off a single hotel stay of $500 or more (excluding taxes and fees) when you book through CitiTravel.com
- No foreign transaction fees
- $95 annual fee
- 10X points per $1 on hotels, car rentals, and attractions booked through CitiTravel.com
- 3X points per $1 spent on airfare, and other hotel purchases
- 3X points per $1 spent at gas and EV charging stations
- 3X points per $1 spent on dining at restaurants, including cafes, bars and lounges
- 3X points per $1 spent at supermarkets
- 1X points per $1 spent on all other purchases
While other cards may earn higher multipliers, the Citi Strata Premier takes the prize due to the value of Citi ThankYou® Rewards points. AwardWallet users redeem ThankYou Rewards for an average of 2.2¢ apiece, netting over a 6.4% return on gas purchases.
Related: Citi Strata Premier® Card Full Review
Best Credit Card for Gas and Fuel for Small Business Owners
Small business owners can do even better with the Wyndham Rewards® Earner℠ Business Card. This product earns a whopping 8X points on gas purchases.
For reference, AwardWallet users have redeemed Wyndham points for an average of 1.28¢ per point — meaning you can get an incredible nearly 10% return on your gas purchases by using this card.
- 8X points on Hotels by Wyndham and gas purchases
- 5X points on marketing, advertising, and utility purchases
- 1X on all other purchases (excluding Wyndham timeshare down payments)
Alternatively, 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.
- Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.49% to 29.24% variable APR.*
- 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 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.*
- 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.*
- 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
- Rates & Fees
- 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.
Related: How To Get a Business Credit Card in 3 Steps
Best No-Annual-Fee Credit Card for Gas and Fuel Purchases
For those looking to maximize rewards without paying an annual fee, several cards offer more than 2% back on gas purchases.
For example, those with the Bank of America® Customized Cash Rewards credit card can earn 6% cash back for the first year in the category of their choice. Select “gas and EV charging” to earn 6% cash back on gas purchases. Even better, Bank of America Preferred 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: How to Earn Up to 10.5% Cash Back in the Category of Your Choice — With No Annual Fee
- 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.
The Costco Citi card is another no-annual-fee option (provided you have a Costco membership) with 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.
Even better, this top-notch earning rate applies at non-Costco locations, although warehouse clubs other than Costco are excluded.
Top Rewards Credit Cards for Gas and Fuel
Here’s how some of the top gas credit cards compare:
| Credit Card | Points Earned on Gas & Fuel | Other Bonus Categories | Annual Fee |
|---|---|---|---|
| Citi Strata Premier® Card | 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 |
| Wyndham Rewards® Earner℠ Business Card | 8X points at gas stations | 8X points at Wyndham hotels 5X points on marketing, advertising, and utility purchases | $95 |
| 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 |
| 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 |
| The Blue Business® Plus Credit Card from American Express | Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply. | N/A | No annual fee - Rates & Fees |
| Blue Cash Preferred® Card from American Express | 3% back at U.S. gas stations | 6% at U.S. supermarkets (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 or at Amazon.com checkout. 6% back on select U.S. streaming services 3% back on 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 |
| Choice Privileges® Select Mastercard® (Rates & Fees) | 5X at gas stations | 10X at Choice Hotels and Choice Privileges points purchases 5X at grocery stores, home improvement stores, and phone plans | $95 |
| Choice Privileges® Mastercard® (Rates & Fees) | 3X at gas stations | 5X at Choice Hotels and Choice Privileges points purchases 3X at grocery stores, home improvement stores, and phone plans | $0 |
| Citi Custom Cash® Card | 5% back on the first $500 of purchases in your top spending category each billing cycle, which can include gas | 1% back on everyday purchases 1% back in your top spending category after the $500 threshold | $0 |
| Costco Anywhere Visa® Card by Citi | 4% cash back on gas and 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 |
| Discover it® Chrome Gas & Restaurants Credit Card | 2% cash back on gas up to $1,000 per quarter (Cashback Match for first year takes it to 4%) | 2% back on gas and restaurants on up to $1,000 in combined purchases each quarter | $0 |
| Hilton Honors American Express Surpass® Card | 6X Points 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 | $0 intro annual fee for the first year, then $150 - Rates & Fees |
| PenFed Platinum Rewards Visa Signature® Card | 5X points on gas at the pump (points are worth 0.85¢ apiece for a 4.25% return) | 3X points at supermarkets, restaurants, and TV, radio, cable, and streaming services | $0 |
| Sam’s Club® Mastercard® | 5% back in Sam's Cash on the first $6,000 of gas purchases annually, then 1% | 3% back in Sam's Cash on Sam's Club purchases for Plus members 3% back in Sam's Cash on dining and takeout 1% back in Sam's Cash on other purchases | $0 (with a paid Sam's Club membership) |
| The New United℠ Business Card | 2X at gas stations | 2X on United purchases 2X at restaurants, office supply stores, transit, and commuting | $0 intro annual fee for the first year, then $150 (Rates & Fees) |
| The New United Gateway℠ Card | 2X at gas stations | 2X on United purchases 2X on transit and commuting | $0 (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 |
| U.S. Bank Business Triple Cash Rewards World Elite Mastercard® | Earn 3% cash back on eligible purchases at gas stations and EV charging stations | 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center 3% cash back at office supply stores, cell phone service providers, and 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 |
| Wyndham Rewards Earner® Card | 5X points at gas stations | 5X points at Wyndham hotels 2X points on eligible dining and grocery purchases (excluding Target® and Walmart®) | $0 |
| Wyndham Rewards Earner® Plus Card | 6X points at gas stations | 6X points at Wyndham hotels 4X points on eligible dining and grocery purchases (excluding Target® and Walmart®) | $75 |
| Ink Business Cash® Credit Card | 2% cash back at gas stations and restaurants on the first $25,000 spent in combined purchases each account anniversary year | 5% cash back at office supply stores and on cellular phone, landline, internet and cable TV services 2% cash back at gas stations and restaurants. * Bonus cash back applies to the first $25,000 spent in combined bonus category purchases each account anniversary year. | $0 (Rates & Fees) |
| Citi Rewards+® Card | 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. | 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter 1X ThankYou® Points on all other purchases | $0 |
Perhaps the most underrated card on the list is the Hilton Honors American Express Surpass® Card. If you redeem your Hilton points at high-value luxury hotels, earn 6X points at U.S. gas stations could potentially return 6¢ or more per dollar spent on fuel. That's a great return — but only if you can redeem Hilton points for top value.
- Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership. Offer Ends 8/13/2025.
- 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 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 Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
- Earn 4X Points for each dollar on U.S. Online Retail Purchases.
- Earn 3X Points for all other eligible purchases on your Card.
- Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
- Enjoy complimentary Hilton Honors ™ Gold Status with your Hilton Honors American Express Surpass® Card.
- Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors™ Diamond Status through the end of the next calendar year.
- As a Hilton Honors American Express Surpass® Card Member, you can enroll to receive complimentary National Car Rental® Emerald Club Executive® status through the link on your American Express online account. After you're enrolled, you can reserve a rental car by calling National Car Rental directly, using your travel service, or by booking online or through the National Car Rental mobile app. Terms apply.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- $0 introductory annual fee for the first year, then $150.
- 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.
- Rates & Fees
- 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
Depending on the quarter, the Chase Freedom Flex℠ might be your best option, as it often features gas purchases among its rotating quarterly bonus categories. You’ll get between 5% back on your gas spending when gas is selected as a bonus category — though it's capped at $1,500 of spending in the relevant quarter.
When gas isn't a bonus category, you’ll only receive 1% cash back on everyday fuel purchases, so you're better off picking another card.
- Earn 5% on up to $1,500 on combined purchases in bonus categories each quarter you activate
- Earn 5% on travel purchased through Chase Ultimate Rewards
- Earn 3% on dining at restaurants, including takeout and eligible delivery services
- Earn 3% on drugstore purchases
- Earn 1% on all other purchases
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 may include wholesale clubs.
- Chase: Excludes truck stops, marinas, and home heating companies.
- Citi: No clear exclusions, but warehouse club gas is limited on some cards.
- Discover: Excludes warehouse clubs, wholesale distributors, and discount stores.
- PenFed: Excludes airplane and boat fuel.
- U.S. Bank: Limits gas transactions over $200 to just 1% back.
- Wells Fargo: Excludes warehouse clubs, grocery stores, car washes, and auto repair stores.
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 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 purchases in the U.S.
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 Wyndham Earner Business Card or Amex Business Gold.
No matter which way you spin it, there are so many fantastic cards you can use on gas or fuel. And picking one of these cards ensures you're not missing out on rewards when you pay at the pump.
For rates and fees of the cards mentioned in this post, please visit the following links: American Express® Business Gold Card (Rates & Fees), Ink Business Cash® Credit Card (Rates & Fees), The New United Gateway℠ Card (Rates & Fees), The New United℠ Business Card (Rates & Fees), Hilton Honors American Express Surpass® Card (Rates & Fees), Blue Cash Preferred® Card from American Express (Rates & Fees), and The Blue Business® Plus Credit Card from American Express (Rates & Fees)
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