Except you primarily commute by way of public transit, chances are high you’ve got not too long ago stopped to gasoline up. Whether or not your whole was a few {dollars} otherwise you ended up paying triple digits to fill your tank, in the event you did not use a gasoline bank card, you are lacking out on incomes rewards.
At TPG, we’re all about maximizing spending wherever potential, whether or not which means maximizing the bonus classes on a cash-back card or transferring your rewards factors to leverage a killer switch bonus.
My family consists of my companion, a day by day commuter who drives 76 miles round-trip to and from work each weekday. That mileage provides up, which is why I added him as an authorized user on my Costco Anywhere Visa® Card by Citi (see rates and fees).
Out of all of the playing cards I presently maintain, my Costco Wherever Visa gives the very best reward charge on this class — 5% money again on gasoline at Costco and 4% money again on different eligible gasoline and electrical automobile charging purchases for the primary $7,000 in mixed spend per yr, then 1% thereafter. Due to these charges, utilizing it to refill is a no brainer.
The truth is, my February 2025 Costco reward certificates (for all of my 2024 spending) got here in at $226.73. A big portion of that spending fell into two most important classes: Costco groceries and Costco and non-Costco gasoline fill-ups.
Whether or not you are a street warrior, an occasional driver or fall someplace within the center, here is why you want a gasoline bank card in your pockets — plus our prime picks for one of the best gasoline playing cards.
The very best gasoline bank cards
*The knowledge for the Wyndham Rewards Earner Enterprise Card, the Wyndham Rewards Earner Plus Card and the U.S. Financial institution Altitude Join Visa Signature Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Evaluating one of the best gasoline bank cards
Listed below are TPG’s prime suggestions for one of the best gasoline bank cards.
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| Card | Finest for | Welcome provide | Incomes charges | Annual price |
|---|---|---|---|---|
| Blue Cash Preferred Card from American Express | Households | Earn $250 within the type of an announcement credit score after spending $3,000 on eligible purchases throughout the first six months of account opening. |
Money again is obtained within the type of Reward {Dollars} that may be redeemed as an announcement credit score or at amazon.com checkout. |
$0 introductory annual price for the primary yr, then $95 (see rates and fees) |
| Bank of America Customized Cash Rewards credit card | Custom-made spending | Earn a $200 on-line money rewards bonus after spending $1,000 on purchases throughout the first 90 days of account opening. |
|
$0 |
| Capital One Quicksilver Cash Rewards Credit Card | Straight-forward money again | Earn a $200 money bonus after spending $500 on purchases throughout the first three months of account opening. |
|
$0 |
| Costco Anywhere Visa Card by Citi | Costco customers | None |
|
$0, although a Costco membership is required to get this card |
| Chase Freedom Flex | Rotating classes | Earn a $200 bonus after spending $500 on purchases within the first three months of account opening. |
|
$0 |
| Chase Sapphire Preferred Card | Newcomers | Earn 60,000 factors after spending $4,000 on purchases within the first three months of account opening. |
|
$95 |
| Chase Freedom Unlimited | Versatile money rewards | Earn a $250 bonus after spending $500 on purchases in your first three months of account opening |
|
$0 |
| Wyndham Rewards Earner Business Card | Enterprise homeowners loyal to Wyndham | Earn as much as 75,000 bonus factors: 50,000 factors after spending $4,000 on purchases and paying the annual price in full inside 90 days of account opening and earn one other 25,000 factors after spending $12,000 on purchases inside twelve months of account opening |
|
$95 |
| Wyndham Rewards Earner Plus Card | Frequent Wyndham company | Earn 45,000 bonus factors after spending $1,000 on purchases within the first 90days of account opening. |
|
$75 |
| U.S. Bank Altitude Connect Visa Signature Card | No-annual-fee journey | Earn 20,000 bonus factors after spending $1,000 on web purchases within the first 90 days of account opening. |
|
$0 |
Blue Money Most well-liked Card from American Categorical
Welcome provide: Earn $250 money again after spending $3,000 on eligible purchases throughout the first six months of account opening. Money again is obtained within the type of Reward {Dollars} that may be redeemed as an announcement credit score or at amazon.com checkout.
Annual price: $0 intro annual price for the primary yr, then $95 (see rates and fees).
Standout advantages: The Blue Money Most well-liked is a improbable starter card for these simply entering into bank card rewards. It gives easy incomes and redeeming choices, however it’s additionally nice for the extra seasoned bank card veteran looking for to maximise their spending throughout a number of classes.
I’ve had this card for 11 years, and each single yr I’ve held it, it has greater than paid for itself because of the a whole lot of {dollars} I’ve earned in cash-back rewards. I am not an enormous Amazon shopper, however once I do have a few gadgets in my cart, I am going to put my Blue Money Most well-liked Reward {Dollars} towards these on-line purchases.
Normally, although, I redeem my money again for assertion credit, which offset a few of my spending on this card. In Might 2024, I reserved a personal room at a Manhattan karaoke bar for a birthday celebration for round $300; greater than half that determine was coated by the money again I had earned on my Blue Money Most well-liked.
This card is good for many who prioritize incomes money again above different currencies, though remember that redemption choices are restricted in comparison with different cash-back playing cards that allow you to pocket rewards by including them to a checking account or opting to obtain a verify in your rewards stability.
Although I’ve graduated to different playing cards that earn priceless journey factors as an alternative of money again, I nonetheless have the Blue Money Most well-liked in my pockets for 2 most important causes:
- The as much as $7 month-to-month Disney Bundle assertion credit score (as much as $84 again per calendar yr, topic to auto-renewal; enrollment required, and phrases apply)
- The three% cash-back charge on transit (paying for metered parking hurts a tiny bit much less once I’m incomes rewards on these costs)
Earlier than I made the Costco Anywhere Visa my main gasoline bank card, the Blue Money Most well-liked was my go-to because of incomes a good charge of three% money again at U.S. gasoline stations.
This, coupled with the crown jewel reward class on this card — 6% money again at U.S. supermarkets (on as much as $6,000 per yr, then 1%) — has earned the Blue Money Most well-liked a well-deserved spot in my pockets yr after yr for over a decade.
For extra particulars, see our full review of the Amex Blue Cash Preferred.
Apply right here: Blue Cash Preferred
Financial institution of America Custom-made Money Rewards bank card
Welcome provide: Earn a $200 on-line money rewards bonus after spending $1,000 on purchases throughout the first 90 days of account opening.
Annual price: $0.
Standout advantages: The Financial institution of America Custom-made Money card does not cost an annual price, so you’ll be able to maintain it yr after yr with out worrying about that further expense. Every month you get to pick which class you need to earn 3% money again in from the next choices:
- Gasoline and EV charging stations
- On-line purchasing (which incorporates cable, streaming, web and cellphone service costs)
- Eating
- Journey
- Drugstores
- Residence enchancment/furnishings
Cardholders additionally earn 2% money again on grocery retailer and wholesale membership purchases (which is nice contemplating you normally must get a wholesale membership cobranded card to earn rewards at these shops).
Each the two% and three% classes famous above are restricted to a $2,500 most every quarter — when you hit it, you will earn 1% money again on purchases.
If you happen to’re prioritizing incomes money again and on the lookout for flexibility — or in case your spending varies between a few completely different classes month to month — the Custom-made Money Rewards is a superb card so as to add to your pockets.
One other bonus? If you have already got a relationship with Financial institution of America, you might qualify for the Bank of America Preferred Rewards® Program, which might web you bonuses ranging between 25% and 75% relying on which tier you are in.
For instance, in the event you’re a Most well-liked Rewards Program member on the Gold tier (which nets you a 25% bonus), as an alternative of incomes 3% on gasoline purchases, you will earn 3.75% money again on every fill-up. Platinum tier members will get pleasure from a 50% bonus and earn 4.5% money again, whereas Platinum Honors, Diamond and Diamond Honors members will every obtain a 75% bonus for a complete of 5.25% money again.
For extra particulars, see our full review of the Bank of America Customized Cash Rewards card.
Apply right here: Bank of America Customized Cash Rewards
Capital One Quicksilver Money Rewards Credit score Card
Welcome provide: Earn a $200 money bonus after spending $500 on purchases throughout the first three months of account opening.
Annual price: $0.
Standout advantages: The Capital One Quicksilver Money Rewards is a stable card for the cash-back fan who often travels however continues to be getting their footing below them in the case of bank card rewards.
Although this card does not earn an elevated reward charge within the gasoline class, it does earn limitless 1.5% money again throughout all purchases. If you happen to do not care to trace particular spend classes and desire a (principally) flat-rate earner, the Quicksilver Money Rewards could also be a very good match.
This card additionally offers you entry to Capital One Journey, the place you will earn a standout 5% money again on lodges and rental vehicles booked with the Quicksilver Money Rewards card. Keep in mind how I mentioned that is additionally a good journey card? Cardholders get pleasure from no overseas transaction charges when utilizing their card overseas, which is sweet for a product that does not cost an annual price.
Plus, there is not any minimal redemption quantity, and you’ve got choices in the case of redeeming your money again. You possibly can choose to obtain an announcement credit score, verify or present card or use your reward stability on amazon.com purchases and thru PayPal.
Study extra: Capital One Quicksilver Cash Rewards review
Costco Wherever Visa Card by Citi
Welcome provide: None.
Annual price: $0, although a Costco membership is required to get this card.
Standout advantages: Costco followers can simply profit from holding the Costco Wherever Visa. When you’ve got a Costco membership, getting — and holding — this card prices nothing because of its lack of an annual price (see rates and fees). This card options stable gasoline incomes charges and even covers EV charging, making it versatile as nicely.
Costco Wherever Visa Card holders can earn 5% cash-back rewards on gasoline at Costco and 4% money again on different eligible gasoline and EV charging purchases (as much as $7,000 in mixed spend per yr; then 1%). This implies you are incomes rewards each time you refill your tank or cost your EV, which is very helpful for households that use each varieties of autos.
One other perk of getting the open-loop Costco Wherever Visa is that you could earn stable cash-back charges in different standard classes, like 3% at eating places and on eligible journey purchases. Higher but, the journey charge will be stacked on prime of the two% money again Govt members get with their premium membership for a mixed 5% money again on journey purchases. This extra 2% charge applies to the primary $50,000 spent annually at Costco, costco.com and Costco Journey however doesn’t apply to the gasoline class. Even so, you are still incomes between 4% and 5% on filling your tank or charging your EV.
Although I really like purchasing at Costco and being a Costco Wherever Visa Card holder, and I personally do not thoughts ready a yr to get my reward certificates every February, I can see how this calendar could also be off-putting to some. If you happen to choose to earn your bank card rewards on a rolling month-to-month foundation, this card might not be for you.
The excellent news is that there are many different playing cards to select from that earn elevated reward charges on gasoline purchases and provide reward entry extra continuously.
For extra particulars, see our full review of the Costco Anywhere Visa.
Apply right here: Costco Anywhere Visa
Chase Freedom Flex
Welcome provide: Earn a $200 bonus after spending $500 on purchases within the first three months of account opening.
Annual price: $0.
Standout advantages: The Freedom Flex is definitely top-of-the-line cash-back playing cards available on the market. It earns beneficiant charges in key spend classes, together with 5% money again in rotating bonus classes (on as much as $1,500 in mixed purchases every quarter you activate) and at the least 1% money again throughout all different purchases that do not match into any of its different reward classes.
Gasoline has been included as a bonus class one quarter per yr since TPG started tracking the bonus categories for this card in 2014. Although these classes fluctuate, chances are high that you’ll benefit from incomes 5% on gasoline bills three months out of the yr as a Freedom Flex cardholder.
The Freedom Flex makes it so that you simply’re incomes rewards each time you pay, irrespective of the acquisition. This card additionally options some spectacular perks for a no-annual-fee card, akin to cellphone safety, purchasing protections and journey cancellation and interruption insurance coverage.
Whether or not you are getting gasoline on a cross-country street journey or simply filling up in your day by day commute, you are incomes — at minimal — 1% money again every time you hit the pump. Plus, while you pair this card with one other Chase card that earns Final Rewards factors — just like the Chase Sapphire Preferred Card, the Chase Sapphire Reserve® or the Ink Business Preferred® Credit Card — you’ll be able to convert your money again to this priceless level foreign money.
For extra particulars, see our full review of the Chase Freedom Flex.
Apply right here: Chase Freedom Flex
Chase Sapphire Most well-liked Card
Welcome provide: Earn 60,000 factors after spending $4,000 on purchases within the first three months of account opening.
Annual price: $95.
Standout advantages: This card is a workers favourite at TPG because of stellar journey protections and stable incomes charges in standard classes. The Sapphire Most well-liked can be a wonderful card for many who are prepared so as to add one other card to their roster that earns priceless transferable factors.
Gasoline shouldn’t be a particular bonus class on this card, however you’ll earn a flat charge of 1 level per greenback spent while you pay with this card on the pump. That will not sound like a lot, however each level you earn on this card is efficacious since Chase has a lot of nice airline and lodge switch companions — and there are sometimes a number of alternatives to benefit from switch bonuses all year long.
The Sapphire Most well-liked is a chameleon, incomes beneficiant reward charges throughout standard spending classes, although it actually shines as a journey rewards card.
Cardholders earn 5 factors per greenback spent on journey booked by way of Chase Journey, plus an as much as $50 annual lodge assertion credit score on lodges booked via this portal. My companion has this card, and we make certain to make use of this lodge credit score yearly (which is simple to do because the credit score is utilized robotically with out the necessity for activation).
Cardholders additionally get pleasure from 3 factors per greenback spent on eating, choose streaming companies and on-line groceries and a couple of factors per greenback spent on all different journey purchases.
As a result of this card does not cost overseas transaction charges, you will benefit from the beforehand talked about incomes charges all through the U.S. and overseas, making the Sapphire Most well-liked the proper journey companion.
For extra particulars, see our full review of the Chase Sapphire Preferred.
Apply right here: Chase Sapphire Preferred
Chase Freedom Limitless
Welcome provide: Earn a $250 bonus after spending $500 on purchases in your first three months of account opening.
Annual price: $0.
Standout advantages: Chase Freedom Limitless cardholders will get pleasure from incomes at the least 1.5% money again throughout all purchases exterior of the bonus classes featured on this card.
If you happen to select this as your main gasoline rewards card, you additionally get pleasure from the next incomes charges:
- 5% money again on journey bought via Chase Journey
- 3% money again on drugstore purchases
- 3% money again on eating at eating places — together with takeout and eligible supply companies
A flat cash-back charge in all nonbonus classes means fueling up will robotically earn you 1.5% again on each greenback you spend, and since this card does not include an annual price, getting and holding it’s a web optimistic yr after yr assuming accountable card utilization.
This card is a superb choice for card novices and execs alike as a result of it helps fill in any gaps in your reward-earning technique.
Just like the Freedom Flex, the Freedom Limitless lets you switch your money rewards into Chase Final Rewards factors in the event you maintain one other Chase card just like the Sapphire Preferred, the Sapphire Reserve or the Ink Business Preferred.
For extra particulars, see our full review of the Chase Freedom Unlimited.
Apply right here: Chase Freedom Unlimited
Wyndham Rewards Earner Enterprise Card
Welcome provide: Earn as much as 75,000 bonus factors: 50,000 factors after spending $4,000 on purchases and paying the annual price in full inside 90 days of account opening and earn one other 25,000 factors after spending $12,000 on purchases inside twelve months of account opening.
Annual price: $95.
Standout advantages: Along with being a stable earner on gasoline purchases — netting a beneficiant 8 factors per greenback spent — this card gives cardholders a reward stability enhance of 15,000 bonus factors every anniversary yr.
This product makes probably the most sense for small-business homeowners who’re additionally Wyndham loyalists, because it earns 8 factors per greenback spent on Inns by Wyndham. Others are higher off with a common rewards or journey card.
Along with a good welcome bonus of as much as 75,000 factors, cardholders can maximize their enterprise bills by incomes 5 factors per greenback spent on advertising and marketing, promoting and utilities.
The cherries on prime are the automated Diamond elite standing that confers perks like suite upgrades and a welcome amenity at check-in, the flexibility to get complimentary worker playing cards for simpler expense monitoring and the absence of overseas transaction charges — excellent for the enterprise traveler.
The knowledge for the Wyndham Rewards Earner Enterprise Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Associated: How to pick a strategy for your small-business credit cards
Study extra: Wyndham Rewards Earner Business Card review
Wyndham Rewards Earner Plus Card
Welcome provide: Earn 45,000 bonus factors after spending $1,000 on purchases within the first 90 days of account opening.
Annual price: $75.
Standout advantages: The patron Wyndham Rewards Earner card contains a smaller annual price ($75) than its enterprise counterpart and nonetheless comes loaded with perks.
If you happen to frequent Wyndham properties, you will get pleasure from incomes 6 factors per greenback spent at Inns by Wyndham and on gasoline purchases, making this card one other sleeper hit in the case of incomes gasoline rewards.
This card additionally comes with automated Platinum elite standing and seven,500 bonus factors every anniversary yr.
The knowledge for the Wyndham Rewards Earner Plus Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Study extra: Wyndham Rewards Earner Plus Card review
U.S. Financial institution Altitude Join Visa Signature Card
Welcome provide: Earn 20,000 bonus factors after spending $1,000 on web purchases within the first 90 days of account opening.
Annual price: $0.
Standout advantages: For a no-annual-fee card, the Altitude Join Visa gives some fairly stellar perks and incomes charges the place you need them — particularly in the event you’re a traveler, commuter or foodie:
- 5 factors per greenback spent on pay as you go lodges and automotive leases booked straight within the Altitude Rewards Middle
- 4 factors per greenback spent at gasoline and EV charging stations (as much as your first $1,000 every quarter; excludes low cost shops, supercenters and wholesale golf equipment)
- 4 factors per greenback spent on journey purchases made straight with airways, lodges and rental automotive firms
- 2 factors per greenback spent on eating, on streaming companies and at grocery shops (excluding low cost shops, supercenters and wholesale golf equipment)
Cardholders may also get pleasure from as much as $100 in assertion credit towards their TSA PreCheck or World Entry software price (each 4 years) and a complimentary Precedence Cross membership that permits 4 no-cost visits to over 1,600 airport lounges all around the world.
On the subject of incomes factors, do not low cost the Altitude Join Visa. There are different playing cards that earn a extra priceless reward foreign money than the factors issued by U.S. Financial institution, but when these bonus classes align along with your spending, this card is usually a stable selection.
The knowledge for the U.S. Financial institution Altitude Join Visa Signature Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Study extra: U.S. Bank Altitude Connect Visa Signature Card review
What to contemplate when selecting a gasoline card
You’ve tons of choices in the event you’re trying to decide on a gasoline bank card. The excellent news is that we have achieved numerous the heavy lifting for you. If you need a card that earns money again or choose one which earns journey rewards factors, you will discover an choice for you on this checklist. Here is what else you need to take into consideration earlier than making use of.
Most well-liked rewards
If you happen to’re into transferable bank card factors and desire a multipurpose product that earns stable rewards throughout a number of classes, a card just like the Chase Sapphire Preferred is a superb choice. If you happen to’re a cash-back fanatic, contemplate an choice just like the Amex Blue Cash Preferred or the Capital One Quicksilver Cash Rewards.
If you happen to’re nonetheless comparatively new to bank card rewards, a cash-back card might provide a extra snug introduction to incomes and redeeming this particular reward foreign money. If you happen to’re keen to start out incomes priceless factors you’ll be able to switch to companion packages, a product just like the Chase Sapphire Most well-liked could also be extra your velocity because it contains a wholesome welcome bonus and stable switch companions like World of Hyatt, Air Canada Aeroplan and Virgin Atlantic Flying Membership. Simply be sure to prioritize a card that is nicely suited to your wants.
Associated: Who are the Chase Ultimate Rewards transfer partners? Everything to know
Welcome bonus
A welcome bonus presents a stellar alternative to earn a stash of money again, factors or miles relying on the cardboard you select. On the subject of making use of for a gas-specific bank card, consider whether or not the welcome bonus gives you respectable worth along with the principle reward classes featured on the cardboard you are contemplating.
For me, getting the Costco Anywhere Visa made sense since I already had a Costco membership and was on the lookout for methods to maximise my reward-earning technique throughout my most important spending classes.
Spending habits
The very best reward technique is one which covers the classes you spend probably the most cash in; for me, groceries, journey, eating, streaming and gasoline are large ones.
I’ve arrange my pockets to incorporate playing cards that cowl all these bases. When selecting your gasoline bank card, contemplate which card will earn you elevated reward charges every time you gasoline up and throughout different classes, too.
Annual price
Annual charges run the gamut from $0 to sky-high. Whether or not you are keen to pay an annual price — or need to keep away from them altogether — our picks for greatest gasoline playing cards provide one thing for each price range.
How we selected one of the best gasoline bank cards
To decide on one of the best gasoline bank cards, we chosen choices appropriate for several types of budgets and spenders.
We additionally took care to decide on versatile playing cards that earn rewards in standard spending classes like streaming, groceries and transit, in addition to playing cards from varied issuers that supply hidden gems like buy safety and even journey delay insurance coverage. For a deeper dive into our choice course of, try our methodology here.
Redemption choices for gasoline bank cards
Many of the gasoline playing cards on this checklist earn money again, although the Chase Sapphire Preferred earns priceless Final Rewards factors that may be transferred to a number of airline and lodge companions.
The very best gasoline bank card is the one that’s going to construct up your reward foreign money stash and work in your particular wants.
Backside line
If you happen to drive a automobile that runs on gasoline or must be charged, you want a gasoline bank card. In any other case, you are leaving cash on the desk — particularly when there are such a lot of versatile choices in the case of playing cards that earn elevated charges on this class.
If you have already got a Costco membership, contemplate the Costco Anywhere Visa. If you need a no-annual-fee gasoline card, contemplate the Bank of America Customized Cash Rewards card. If you happen to’re keen to pay a sub-$100 annual price and spend rather a lot on groceries along with gasoline, you’ll be able to’t go unsuitable with the Amex Blue Cash Preferred. You’ve choices, and when you determine what kind of rewards you’d prefer to earn and what your hottest spending classes are, you’ll be able to slim down your choice from there.
For charges and costs of the Amex Blue Money Most well-liked, click on here.
Associated: The best no-foreign-transaction-fee credit cards