What Are The Best Credit Cards For Gas Stations? (2019)

Filed Under: Advice, Credit Cards
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One of the best way to maximize your credit card rewards is to pick a credit card that offers bonus points in the categories that you spend the most in. In the past I’ve written about the best credit cards for everyday spending, restaurants, supermarkets, for purchases abroad, and more.

In this post I wanted to look at the best credit cards for gas station purchases. Now, admittedly this isn’t as consistent of an expense for everyone. While everyone has to eat, not everyone consistently has to buy gas.

If you have big daily commutes to work that involve driving then this could be a significant source of points, while if you’re someone who relies entirely on public transportation, this bonus category probably has very little value.

There are lots of great credit cards offering bonuses on gas station purchases, whether you want to earn cash back, transferable points, airline miles, or hotel points.

In all cases, I’ll only be looking at cards earning at least 2% back (or the equivalent of that based on my valuation of points).

What Qualifies As Gas Station Spending?

Before talking about the best cards for gas station purchases, I think it’s important to talk a bit about what qualifies as gas station spending:

  • Generally credit cards only consider purchases from standalone gas stations as being eligible for bonus points; that’s to say that buying gas from a warehouse club typically won’t earn you bonus points, unless otherwise explicitly stated
  • Generally speaking purchases of gas as well as purchases in gas station convenience stores will qualify for bonus points
  • This also all comes down to how a particular merchant chooses to categorize themselves

Best Personal Cards For Gas Station Purchases

Everyone has different preferences when it comes to earning rewards for credit card spending. Some people prefer to earn travel rewards that they can use towards their next adventure, while other people prefer to earn cash back, which they can redeem however they want.

So, what are the best personal credit cards for gas station purchases?

1. Citi Premier℠ Card

Reward for gas station spending: 3x ThankYou points (which I value at 5.1%)
Card annual fee: $95
Other things to be aware of: This is one of the most rewarding bonuses for gas station purchases, as earning 3x ThankYou points is awesome

2. Amex EveryDay® Preferred Credit Card

Reward for U.S. gas station spending: Up to 3x Membership Rewards points (which I value at 5.1%)
Card annual fee: $95
Other things to be aware of: This card offers bonus points only on U.S. gas station purchases; the card offers 2x points at gas stations, but if you have at least 30 transactions per billing cycle you earn a 50% points bonus, for a total of 3x points

3. Costco Anywhere Visa® Card by Citi

Reward for gas station spending: Earn 4% cash back on the first $7,000 spent every year at gas stations, 1% thereafter
Card annual fee: $0 (with paid Costco membership)
Other things to be aware of: This card offers 4% back on eligible gas purchases globally, including at Costco

4. Citi Rewards+℠ Card

Reward for gas station spending: 2x ThankYou points (which I value at 3.4%)
Card annual fee: $0
Other things to be aware of: Having a no annual fee card earning 2x ThankYou points for gas station and supermarket purchases is great; note that this is limited to the first $6,000 spent per year

5. Bank of America® Cash Rewards Credit Card

Reward for gas station spending: 3% cash back in your choice of categories, and gas is one of those categories
Card annual fee: $0
Other things to be aware of: You have to specially choose gas as the category in which you want to earn 3% cash back, and you’re capped at $2,500 each quarter

6. Hilton Honors American Express Surpass® Card

Reward for U.S. gas station spending: Up to 6x Hilton Honors points (which I value at 3%)
Card annual fee: $95 (Rates & Fees)
Other things to be aware of: This is one of the best hotel credit cards for U.S. gas stations, since you can earn bonus points with no limits on these purchases

7. Avianca Vuela Visa® Card

Reward for gas station spending: 2x Avianca LifeMiles (which I value at 2.8%)
Card annual fee: $149
Other things to be aware of: This card offers 2x miles at gas stations and grocery stores

8. Asiana Visa Signature® Credit Card

Reward for gas station spending: 2x Asiana miles (which I value at 2.8%)
Card annual fee: $99
Other things to be aware of: This card offers 2x miles at gas stations and grocery stores

9. Chase Freedom Unlimited® 

Reward for gas station spending: 1.5x points (which I value at 2.55%)
Card annual fee: $0
Other things to be aware of: This card earns 1.5x points per dollar spent on all purchases, and those points can be converted into Ultimate Rewards points if you have it in conjunction with the Chase Sapphire Preferred® CardChase Sapphire Reserve® Card, or Ink Business Preferred℠ Credit Card

10. Capital One® Venture® Rewards Credit Card

Reward for gas station spending: 2x Venture miles (which I value at 2.55%)
Card annual fee: $95, waived the first year
Other things to be aware of: This card earns 2x Venture miles on all purchases, which can either each be redeemed towards the cost of a travel purchase, or can be transferred to an airline partner at a ratio of up to 2:1.5

11. Citi® Double Cash Card

Reward for gas station spending: 1% + 1%
Card annual fee: $0
Other things to be aware of: This card doesn’t actually offer bonus points specifically on gas stations, but does offer 1% cash back when you make a purchase, and 1% cash back when you pay for a purchase, making it a very well rounded card

Bonus: Chase Freedom®

Reward for gas station spending: Varies
Card annual fee: $0
Other things to be aware of: This card offers 5x points in rotating quarterly categories, and sometimes the card offers 5x points on gas station spending, so keep an eye on that

Best Business Cards For Gas Station Purchases

As you can see above, there are lots of great personal credit cards for gas station purchases. There’s also huge value in a business card offering bonuses on gas stations, especially if you’re a business that has a lot of those expenses.

What are the best business credit cards for gas station purchases?

1. American Express® Business Gold Card

Reward for U.S. gas station spending: 4x Membership Rewards points (which I value at 6.8%)
Card annual fee: $295 (Rates & Fees)
Other things to be aware of: This card offers 4x points in the two categories you spend most in, up to $150,000 per year, and gas stations is one of those bonus categories

2. Costco Anywhere Visa® Business Card by Citi

Reward for gas station spending: Earn 4% cash back on the first $7,000 spent every year at gas stations, 1% thereafter
Card annual fee: $0 (with paid Costco membership)
Other things to be aware of: This card offers 4% back on eligible gas purchases globally, including at Costco

3. Ink Business Cash℠ Credit Card

Reward for gas station spending: 2x points (which I value at 3.4%)
Card annual fee: $0
Other things to be aware of: This card earns 2x points per dollar spent on gas station purchases (up to $25,000 spent per year), and those points can be converted into Ultimate Rewards points if you have it in conjunction with the Chase Sapphire Preferred® CardChase Sapphire Reserve® Card, or Ink Business Preferred℠ Credit Card

4. Blue Business® Plus Credit Card from American Express

Reward for gas station spending: 2x Membership Rewards points (which I value at 3.4%)
Card annual fee: $0 (Rates & Fees)
Other things to be aware of: While there’s no bonus category specifically for gas stations, the card offers 2x Membership Rewards points on the first $50,000 spent every calendar year, which is excellent

5. Blue Cash Preferred® Card from American Express

Reward for U.S. gas station spending: 3%
Card annual fee: $95 (Rates & Fees)
Other things to be aware of: This card offers 3% cash back only on U.S. gas station purchases

6. Marriott Bonvoy Business™ American Express® Card

Reward for U.S. gas station spending: 4x Marriott Bonvoy points (which I value at 2.8%)
Card annual fee: $125 (Rates & Fees)
Other things to be aware of: This is one of the best hotel cards for U.S. gas station purchases

7. CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

Reward for gas station spending: 2x American AAdvantage miles (which I value at 2.8%)
Card annual fee: $99, waived the first year
Other things to be aware of: This is one of the better airline cards for gas station purchases

8. United℠ Explorer Business Card

Reward for gas station spending: 2x United MileagePlus miles (which I value at 2.8%)
Card annual fee: $95
Other things to be aware of: This is one of the better airline cards for gas station purchases

Best Gas Station Credit Card Summary

As you can see, there are lots of great credit card options for maximizing gas station rewards. That’s true whether you’re looking for a personal or business card, whether you’re looking to earn cash back or travel rewards, or whether you’re looking for a no annual fee or premium card.

What’s your go-to card for gas station purchases?

The following links will direct you to the rates and fees for mentioned American Express Cards. These include: American Express® Business Gold Card (Rates & Fees), Blue Cash Preferred® Card from American Express (Rates & Fees), The Blue Business® Plus Credit Card from American Express (Rates & Fees), Marriott Bonvoy Business Card From American Express (Rates & Fees), and Hilton Honors American Express Surpass® Card (Rates & Fees).

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Comments
  1. Surprised you never include Alaska card for one of the better cards to use for gas and/or non-bonused spend since you value them around 2 cents per point. based on the above top ten, it could maybe squeak in there towards the bottom with around a 2% return.

  2. What about the Citi Rewards+? This earns 2x TYP on Gas (and groceries, up to $6K per year). This would make it a 3.4% return.

    Wells Fargo Propel Amex earns 3% back on gas.

  3. I use my Amex Gold at supermarkets (4X) to buy gift cards for Arco (which is otherwise cash only or debit with fee) or Safeway/Vons gift cards for their gas stations (which otherwise charges 10-15c more per gallon with credit vs cash/gift cards). I’ve only used my Chase Freedom twice this quarter despite the 5X bonus category 😉

  4. @ Aaron — Personally I value Alaska miles at ~1.8 cents each, so just a bit below the 2% threshold. But it’s not far off.

  5. Are my gas points purchased with my freedom card this quarter worth 7.5x essentially when I roll them into my sapphire reserve UR and use it for travel?

  6. @Justin…That is correct if you use them through the Chase Travel portal. If you transfer them to one of the travel partners, you’re return could be 10% +. Also, don’t forget to purchase gift cards at your favorite station, before the end of the quarter, up to the $1,500 max.

  7. Currently I’m throwing all this out the window. Amex Blue Business has a straight up 10% cash back Amex offer for Exxon/Mobil, up to $100 credit. Currently using the offer on both my wife’s and my CC. 10% cash back, plus 2x spend, plus Exxon Mobil rewards. Good through 12/31/19 or until credits are maxed out.

  8. You left off the Amex Marriott Business Card, which gives 4X Bonvoy points at gas stations. Even at a value of 0.7cpp, that is still equivalent to what other cards listed here get.

    However, since I am routinely getting 0.9-1.0 cpp with my Bonvoy redemptions, and even more on the rare occasions in which I stay for five nights (with the fifth free), it is winner for gas stations. And no premium cabin/top shelf hotel redemptions necessary to justify the values of the points

    I also have the Amex Hilton Surpass card and that is my other card for gas, as I factor in an additional 4 points per dollar because of the free night with $15K spend (assuming that it will be redeemed for a room that would be 60K points or more).

  9. Awesome thanks James N! Good to know about the gift cards in case I don’t reach the $1500 driving a truck and and boat gas in SoCal

  10. Citi AAdvantage Platinum card offers 2x AA miles at gas stations. Depending on how much you value AA miles, that can be a 2.5-4% or more as well.

  11. Seriously? No Ducks Unlimited card? 5% at gas stations AND on sporting goods purchases. I have it and love it.

  12. Amex EveryDay Preferred is 2.5X at gas stations. 50% bonus for >30 transactions only applies to purchases, not bonuses.

  13. Sam’s Club Mastercard

    Get $45 back. Paid as a statement credit when you open an account online and make a $45 purchase today. Offer ends January 15, 2020.
    5% cash back on gasoline on the first $6,000 per year, then 1% after.
    3% cash back on travel and dining.
    1% cash back on everything else
    No annual fee
    Doubles as your membership card

  14. Citi Premier Card has some limitations on the 3x Thank You points on gas: no 3x at Costco gas stations (wholesale stores) and gas station with convenient stores (probably means you paid at the pump). If I’m not mistaken, it’s also not applied to gas station attached to groceries stores like Kroger and stores like Walmart.

  15. I fill up my gas tank 3 times weekly but can circumvent the 30 transactions per billing cycle with the AMEX everyday preferred card by pumping gas daily ?

  16. @G Citi Premier would not work at Costco gas since it is a Mastercard. Though with Costco, a lot of the above cards would be out because they are Amex.

    Since I buy gas almost exclusively at Costco (since it is about 20-25% less than my neighborhood stations, which is a lot more than the return on any of the cards above), I never really use the gas benefit on my Premier. For Costco, I use my AT&T Access card to buy a gift card online (2x TYP for online purchases), then use that for gas–by Lucky’s valuation, that would be 3.4% return. That is, of course, for the quarters where gas is not a bonus category on the Freedom.

  17. WOW! Never mentioned Fort Knox CU 5% gas, Sam’s Club Synchrony 5% has, PenFed. I guess because they don’t pay you. You should go work for TPG. Typical product-pusher!

  18. @Stanislav Pertsev – I am on the same program and earning a few United miles at the same time through their partnership with BP.

  19. @Stanislav Thanks I just saw that offer and it is only until September 10. I’m new to AMEX gold it’s a big change after using Citi AAdvantage for a few years.

  20. My old PenFed VISA Platinum Cash Rewards Card
    still gives us 5% cash back on gas station purchases.
    That’s the only reason we still carry it.

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