Best Credit Cards For Gas Station Purchase Rewards

Best Credit Cards For Gas Station Purchase Rewards

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One of the best ways to maximize your credit card rewards is to pick a card that offers bonus points in the categories that you spend the most in, whether that’s restaurants, supermarkets, or non-bonused categories.

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 a gas car then this could be a significant source of points. Meanwhile if you’re someone who relies entirely on public transportation, ridesharing, or has an electric car, then this bonus category probably has less 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’s the best credit card for gas purchases?

While I’ll go into a lot more detail below, let me try to provide the simplest advice possible for figuring out which credit card is best to use at gas stations:

I’d say those are among the best, most widely useful cards for this category. However, below I’ll cover lots of other good options.

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 stations January 2022

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: The Citi Premier has phenomenal bonus categories, and being able to earn 3x points on gas stations globally with no foreign transaction fees is awesome

Read a review of the Citi Premier, apply for the Citi Premier.

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

Read a review of the Amex EveryDay Preferred, apply for the Amex EveryDay Preferred.

3. Wyndham Rewards Earner+ Card

Reward for gas station spending: 6x Wyndham Rewards points (which I value at 4.2%)
Card annual fee: $75
Other things to be aware of: This is a fantastic return on spending at gas stations, though the catch is that Wyndham Rewards points definitely are more of a niche points currency

Read a review of the Wyndham Rewards Earner+, apply for the Wyndham Rewards Earner+.

4. 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

Apply for the Costco Anywhere Visa Card.

5. 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: This is an excellent no annual fee card option, though you’re limited to this return on the first $6,000 spent per year (you’ll earn 1x points thereafter); in conjunction with other cards earning Citi ThankYou points, these rewards can be transfered to airline & hotel partners

Read a review of the Citi Rewards+, apply for the Citi Rewards+.

6. Hilton Honors American Express Surpass® Card

Reward for U.S. gas station spending: 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

Read a review of the Hilton Honors Amex Surpass, apply for the Hilton Honors Amex Surpass.

7. Capital One Venture Rewards Credit Card

Reward for gas station spending: 2x Venture miles (which I value at 3.4%)
Card annual fee: $95
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 or hotel partner at a ratio of up to 1:1

Read a review of the Capital One Venture, apply for the Capital One Venture.

8. Capital One Venture X Rewards Credit Card

Reward for gas station spending: 2x Venture miles (which I value at 3.4%)
Card annual fee: $395
Other things to be aware of: This card has the same rewards structure as the Venture Card, though don’t be alarmed by the annual fee, as the card offers a $300 annual Capital One Travel credit plus 10,000 bonus anniversary miles

Read a review of the Capital One Venture X, apply for the Capital One Venture X.

9. Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

Reward for gas station spending: 2x American AAdvantage miles (which I value at 3%)
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

Read a review of the Citi AAdvantage Platinum, apply for the Citi AAdvantage Platinum.

10. 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

Read a review of the Chase Freedom Unlimited, apply for the Chase Freedom Unlimited.

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; best of all, rewards earned on the card can be converted into Citi ThankYou points

Read a review of the Citi Double Cash, apply for the Citi Double Cash.

12. Blue Cash Preferred® Card from American Express

Reward for U.S. gas station spending: 3%
Card annual fee: $0 introductory annual fee for the first year, then $95. (Rates & Fees)
Other things to be aware of: This card offers 3% cash back only on U.S. gas station purchases

Read a review of the Blue Cash Preferred, apply for the Blue Cash Preferred.

13. Citi Custom Cash℠ Card

Reward for gas station spending: Varies
Card annual fee: $0
Other things to be aware of: This card offers 5x points in the category in which you spend the most each billing cycle, for up to $500 of spending; gas stations is one of those categories, meaning you could earn 5x points on gas station purchases, and you can pool this with Citi ThankYou points earned on other cards

Read a review of the Citi Custom Cash, apply for the Citi Custom Cash.

14. 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

Read a review of the Bank of America Cash Rewards, apply for the Bank of America Cash Rewards.

15. Chase Freedom FlexSM

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

Read a review of the Chase Freedom Flex, apply for the Chase Freedom Flex.

Earn up to 5x points on gas station purchases

Best business cards for gas stations January 2022

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

Read a review of the Amex Business Gold, apply for the Amex Business Gold.

2. Wyndham Rewards Earner Business Card

Reward for U.S. gas station spending: 8x Wyndham Rewards points (which I value at 5.6%)
Card annual fee: $95
Other things to be aware of: This is a fantastic return on spending at gas stations, though the catch is that Wyndham Rewards points definitely are more of a niche points currency

Read a review of the Wyndham Rewards Earner Business, apply for the Wyndham Rewards Business.

3. 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

Apply for the Costco Anywhere Visa Business.

4. 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

Read a review of the Ink Business Cash, apply for the Ink Business Cash.

5. 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 (and then 1x), which is excellent

Read a review of the Amex Blue Business Plus, apply for the Amex Blue Business Plus.

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

Read a review of the Marriott Bonvoy Business, apply for the Marriott Bonvoy Business.

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

Reward for gas station spending: 2x American AAdvantage miles (which I value at 3%)
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

Read a review of the CitiBusiness AAdvantage Platinum, apply for the CitiBusiness AAdvantage Platinum.

8. United℠ Business Card

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

Read a review of the United Business, apply for the United Business.

There are great business cards for gas spending as well

Bottom line

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™ American Express® Card (Rates & Fees), and Hilton Honors American Express Surpass® Card (Rates & Fees).

Conversations (15)
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  1. Adambgarrett New Member

    For those who don't drive for a living, I think that the Wyndham Rewards Earner Business Card will be superior to other options to most who are eligible for it and that's my go-to even though I also have 2x Amex Business Golds. I'm sad that more points bloggers don't even mention it and glad that you did near the top of rankings here. For the Amex business golds to make sense considering the annual...

    For those who don't drive for a living, I think that the Wyndham Rewards Earner Business Card will be superior to other options to most who are eligible for it and that's my go-to even though I also have 2x Amex Business Golds. I'm sad that more points bloggers don't even mention it and glad that you did near the top of rankings here. For the Amex business golds to make sense considering the annual fee, you'd have to do a lot of driving if only getting points from that. Conversely, the Amex Business golds are typically going to be better for those putting a lot of advertising spend on credit cards. With Wyndham's annual fee, it comes with 15k points annually, which, in my opinion, is enough to keep the card by itself with minimal spending, not to mention the automatic diamond status it provides, which status matches annually to Caesars & provides lots of other status-match options. It also provides a 10% discount on all point stays. I like how you value Amex, Citi, Capital One, & Chase equally at $.017/pt, although I value Wyndham Rewards higher than you do. The Vacasa option, while limited in locations, is an excellent way to maximize for those who don't even have Wyndham Diamond.

  2. Joes Guest

    What about Amex Platnium Card
    It comes with Walmart Plus
    It saves 0.05 per gallon and access to Sam’s Club gas station prices
    Also Sam’s Club credit Card should be on here for gas

  3. shilph Guest

    I personally value little more on Wyndham points because of Vacasa. I value it at least 1.5 cpp. (I booked and stayed 3 nights for only 45k, which was more than $1100.)
    With my own calculation, I use Wyndham Business card at gas stations exclusively.

    1. Eskimo Guest

      All your calculations are wrong. Now this is what you, OMAAT, and other blogs keep missing.

      With the card, your stay redemption is 10% off too. And no person who reads these stuff would redeem Wyndham for anything other than stays.

      So effectively it's 8.888x not 8x.
      But let's just keep this card underrated so Barclays won't devalue this card too fast.

  4. Fenspinbi Guest

    Slightly niche offering, but millions of people are eligible for it, so I'm going to mention it. The USAA Cashback Rewards+ Amex card offers 5% cashback on gas stations for up to $3,000 annually, and I've personally tested it at wholesale club gas stations (BJ's and Sam's Club), as well as gassing up rental cars in Canada, and got the same return. No annual fee, no foreign transaction fees, and cashback can be redeemed for...

    Slightly niche offering, but millions of people are eligible for it, so I'm going to mention it. The USAA Cashback Rewards+ Amex card offers 5% cashback on gas stations for up to $3,000 annually, and I've personally tested it at wholesale club gas stations (BJ's and Sam's Club), as well as gassing up rental cars in Canada, and got the same return. No annual fee, no foreign transaction fees, and cashback can be redeemed for as little as $0.01. USAA is a mid-large bank at this point, and is available for anyone who is a veteran, military family member, or close relative of a USAA member.

    I have a few of the cards in the article, and after doing the math, it's hardly worthwhile for the average person to invest much time maximizing gas purchases. Even if I maxed out the USAA card's gas category, that's only $150/yr. Nice to have, but...meh. Gathering my own data from Mint, and stats on how much dino sauce the average Floridan buys in a year, it's at most $85 (at 5% cashback), 3400 AA miles, 8500 Hilton points, or 2550 Chase points (CFU), and my work commute is 100+ miles per day r/t. This is mostly a bonus points category which won't move the needle much.; pick any card on the list and drive on.

    1. Eskimo Guest

      There is around 260 work day per year. The most is spending $1700. So that's $6.50 per day for 100+ miles.

      Are we talking about the same Florida? :)
      Or you figured a way to fill up your Tesla with dino sauce. :p
      Jokes aside, I don't think the average Floridan commute 100+ miles. So you shouldn't use $1700 as a benchmark.

      Any how, I think extra money is extra money, let it...

      There is around 260 work day per year. The most is spending $1700. So that's $6.50 per day for 100+ miles.

      Are we talking about the same Florida? :)
      Or you figured a way to fill up your Tesla with dino sauce. :p
      Jokes aside, I don't think the average Floridan commute 100+ miles. So you shouldn't use $1700 as a benchmark.

      Any how, I think extra money is extra money, let it be $30 or $300.
      Reversing your chain of thought, that's why most people will just use a 2% back card and move on. (until bloggers corrupt them) Not many people charges $100k+ per year on credit cards that will move the needle. Most just try to game the sign up bonus.

  5. CMorgan Guest

    Tyler you are the one who needs to get real. Credit Unions especially PenFed and Navy FCU have a huge Marketshare and need to be included in any list for that list to be credible. The PenFed Plat Rewards Visa Earns 5x points for gas purchases at the pump and electric vehicle charging stations. No AF. Easy redemption via requesting Visa gift cards. Have got several thousand dollars back in the last few years. Tyler...

    Tyler you are the one who needs to get real. Credit Unions especially PenFed and Navy FCU have a huge Marketshare and need to be included in any list for that list to be credible. The PenFed Plat Rewards Visa Earns 5x points for gas purchases at the pump and electric vehicle charging stations. No AF. Easy redemption via requesting Visa gift cards. Have got several thousand dollars back in the last few years. Tyler you can take that noise elsewhere if you think that amount is insignificant.

  6. Takhliq Khan Guest

    For me personally, tough to beat 5 Thank you points per dollar with Citi Custom cash. I will take 5 points in any variable currency than 5 percent cash back.

  7. David Kemp Guest

    The no annual fee Verizon Visa Card from Synchrony Bank offers 4% back in Verizon dollars for both gas and grocery store purchases. As a Verizon wireless customer, this is my go-to card for these two categories.

  8. Ryan Guest

    You forgot one, probably because it's a credit union who doesn't sponsor your website.

    Abound Visa® Platinum Card
    5% cashback on gas - comes back as a statement credit

    They don't have Apple Pay or contactless, and their systems can be a bit antiquated, but I've gotten 5% back at Costco Gas using their credit card with no issues.

    Granted, things may have changed, but they have an option on the membership application for:...

    You forgot one, probably because it's a credit union who doesn't sponsor your website.

    Abound Visa® Platinum Card
    5% cashback on gas - comes back as a statement credit

    They don't have Apple Pay or contactless, and their systems can be a bit antiquated, but I've gotten 5% back at Costco Gas using their credit card with no issues.

    Granted, things may have changed, but they have an option on the membership application for: "I'm eligible for membership through" drop down to the left and choose the "other" option. "

    https://www.aboundcu.com/Spend-Save/Personal-Accounts/Credit-Cards/Cash-Back-VISA-Card

    1. Tyler D Guest

      Seriously man? Why do you have to offer up something and give a dig at the same time? Do you expect him to be updated on every little credit union’s offering? Get outta here with that noise.

    2. Fenspinbi Guest

      I agree. Those credit union cards are mostly niche products which make sense for existing customers or specific regions, not avid travelers. Ben shouldn't be promoting third-string players, as there's little upside for most people. Doctor of Credit gives those wee JV cards sufficient exposure. LOL

    3. Eskimo Guest

      I disagree. Every good cards should be included. That being said, having 10 credit unions is probably too much. But one or two of the best and accessible to most people should be included. Like @CMorgan said, many of those CU doesn't have too much restrictions. I don't think OMAAT is dumb enough to include CU that serves only 10 zip codes. But OMAAT does have sponsorship so those cards would get flooded. (LOL really Venture X or Freedom Flex?)

    4. Adambgarrett New Member

      "probably because it's a credit union who doesn't sponsor your website." Give me a break...

  9. K.M. Guest

    Do you have any credit card suggestions for electric charging purchases?

Featured Comments Most helpful comments ( as chosen by the OMAAT community ).

The comments on this page have not been provided, reviewed, approved or otherwise endorsed by any advertiser, and it is not an advertiser's responsibility to ensure posts and/or questions are answered.

Adambgarrett New Member

"probably because it's a credit union who doesn't sponsor your website." Give me a break...

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Adambgarrett New Member

For those who don't drive for a living, I think that the Wyndham Rewards Earner Business Card will be superior to other options to most who are eligible for it and that's my go-to even though I also have 2x Amex Business Golds. I'm sad that more points bloggers don't even mention it and glad that you did near the top of rankings here. For the Amex business golds to make sense considering the annual fee, you'd have to do a lot of driving if only getting points from that. Conversely, the Amex Business golds are typically going to be better for those putting a lot of advertising spend on credit cards. With Wyndham's annual fee, it comes with 15k points annually, which, in my opinion, is enough to keep the card by itself with minimal spending, not to mention the automatic diamond status it provides, which status matches annually to Caesars & provides lots of other status-match options. It also provides a 10% discount on all point stays. I like how you value Amex, Citi, Capital One, & Chase equally at $.017/pt, although I value Wyndham Rewards higher than you do. The Vacasa option, while limited in locations, is an excellent way to maximize for those who don't even have Wyndham Diamond.

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Joes Guest

What about Amex Platnium Card It comes with Walmart Plus It saves 0.05 per gallon and access to Sam’s Club gas station prices Also Sam’s Club credit Card should be on here for gas

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