For those of you out there who commute long distances, you might be wandering what are the best credit cards out there that reward me for my gas purchases? Well look no further because we have that list ready for you! In this post, we will take a look at some of the best credit cards out there that offer the best rewards for all your gas purchases!
Best Credit Cards for Gas Purchases
VantageWest Credit Union Connect Rewards Credit Card
One of the best perks of this card is it has no annual fee, so you can keep it without even thinking about it! However there is a $15 joining fee for some people. The advantage of this card is that you can choose an additional category to earn 5% in with a max of $1,500 per quarter.
(Visit the link above to read our review)
Blue Cash Everyday from American Express
Check out this everyday card that offers great perks for regular uses such as no annual fee, a sign up bonus of $50 and one year of Amazon Prime, and 2% back on all gas purchases!
(Visit the link above to read our review)
Blue Cash Preferred from American Express
The preferred version of the Blue Cash card from American Express comes with an annual fee and some perks. It comes with 3% back on all gas purchases, 6% respectively on the first $6,000 in grocery store purchases, and a higher sign up bonus of $100.
(Visit the link above to read our review)
Wells Fargo Propel
The Wells Fargo Propel offers 3x points on dining, gas and travel with no annual fees associated with the card. This is a great card if you love doing all of those things. Not only is this a great everyday card, it is a great entertainment card, so give it a try!
(Visit the link above to read our review)
Chase AARP
This card earns 3% cash back on all gas & restaurant purchases with no annual fee. Similar to the Propel card from Wells Fargo, it just comes short by not offering points back on travel. A great card nonetheless.
(Visit the link above to read our review)
Golden 1 Platinum Rewards Visa
This card earns 3% cash back on all gas, grocery, and restaurant purchases. The best part is that there is no earning limit, however your cash back is only paid out once a year. There is no annual fee and this card will also earn 1% cash back on all purchase.
U.S. Bank Business Edge Cash Rewards World Elite
This card earns 3% cash back on cellular, gas and office supply stores. In addition you get an additional 25% annual bonus based on your prior years cash rewards (up to $250). This makes it a 3.75% card on gas purchases.
(Visit the link above to read our review)
Bank of America Cash Rewards
The Bank of America cash rewards card lets you select one category to earn 3% cash back in on the first $2,500 in spend per quarter. This deal becomes better with Bank of America Preferred Rewards program. This lets you earn another 25-75% back, meaning this card can earn up to 5.25% cash back on this category.
(Visit the link above to read our review)
Mercedes-Benz From American Express
A unique collaboration, this Mercedez-Benz and American Express card can earn you 3 American Express points on U.S Gas stations on purchases under $400, 5 American Express points on select Mercedez-Benz purchases, 2x points at U.S restaurants, and 1x points on all other purchases. Quite a hefty card due to its $95 annual fee. Get this card if you’re a huge fan of the brand or if you’re about to make a purchase from them. It also comes with a 10,000 point sign up bonus.
Citi Premier
Usually a good sign up bonus of 50,000 on this card and you earn 3x Citi ThankYou points on travel purchases (this includes gas). You can transfer the points to Citi’s travel partners, or redeem them for travel directly (worth 1.25¢ per point each when redeeming for travel through Citi’s travel portal). This card is recommended for people who value hotel or airline poinrts than straight cash back.
(Visit the link above to read our review)
PNC Cash Rewards Visa
Only available in AL, DC, DE. FL, GA, IL, IN, KY, MD, MI, MO, NC, NJ, OH, PA, SC, VA, WI, WV. Card is only available in select states but has no annual fee. You are limited to $8,000 in spend per year. Comes with 4% cash back on select categories.
(Visit the link above to read our review)
PenFed Platinum Rewards Visa Signature® Card
This card earns 5 points at gas stations, 3 points at super markets and 1 point for all other purchases. 1 point used to be worth 1¢, but they are now only worth 0.85¢ per point. This means this card actually gives you the following rates: Gas: 4.25x cash back, Groceries: 2.55x cash back, All other purchases: 0.85x cash back.
(Visit the link above to read our review)
Citi Costco Personal & Business Card
This card earns 4% cash back, including purchases at Costco gas stations up to a maximum of $7,000 per year ($280 in rewards). It also earns 3% back at restaurants and travel purchases. This card is only available to both personal & business cardholders.
USAA Cashback Rewards Plus American Express
Earn 5% cash back on the first $3,000 in annual purchases on gasoline and military base purchases. Additionally, this card comes with no annual fee. This is a great card for military members that don’t spend more than $3,000 on gas.
(Visit the link above to read our review)
American Express Old Blue Cash Card
The American Express old blue cash card earns 5% cash back on grocery stores, drugstores, and gas stations but only after you’ve spent $6,500. There is also a $50,000 spending cap on those 5% bonus categories. This is obviously a great card for big spenders.
Sam’s Club Personal & Business MasterCard’s
If you shop at Sam’s Club often or tend to get gas here, check out these cards. This card earns at 5% on all gas purchases on the first $6,000 spent per year, there is a business and personal version of this card. There are some restrictions though, this 5% cash back excludes purchases on fuel stations at wholesale clubs (other than Sam’s Club).
(Visit the link above to read our review)
Abound Credit Union (Formerly Fort Knox) Visa Platinum Credit Card
Get a straight 5% cash back on all gas purchases. You don’t need to be a member of this credit union to apply for this card. There is no limit on how much you can earn with this card. However, you can only earn 1% on all other purchases.
(Visit the link above to read our review)
Honorable Mentions
Chase Freedom
This card didn’t make it to the main list because the categories you earn 5% cash back on change every quarter. Also, you can only get 5% back onn the first $1,500 purchases each month with a maximum of $75 back, whereas a lot of other people purchase more gas than that per month.
(Visit the link above to read our review)
Discover IT
Similar to the Chase Freedom card, it also has a rotating 5% rewards category. Although this card is great for someone who is new to credit cards and would like flexibility in their cash back, it’s not great for someone who wants rewards in one category. There is also a limit of $1,500 for purchases earning 5% with a max of $75.
(Visit the link above to read our review)
Wells Fargo Cash Back Card
This card also offers 5% on gas purchases, unfortunately it’s limited to the first six months only. It also earns at this rate for grocery & gas store purchases. It also does not come with a sign up bonus.
(Visit the link above to read our review)
Business Cards
American Express Business Gold Rewards Card
With this American Express card, you will have the choice of choosing where you earn your 3x points in. One of the categories provided is gas. You can earn 3x membership rewards points on up to $100,000 per year. Card also comes with a $195 annual fee.
(Visit the link above to read our review)
Huntington Business Voice
This card lets you choose one category to earn 4% cash back in. You can change this category every quarter and you earn 4% cash back on the first $7,000 in spend on that category every quarter. One of the categories you can choose is gas stations.
(Visit the link above to read our review)
How Do They Know What Is Gas?
Any merchant that you decide to go to is give a merchant category code or MCC. This is used by credit card companies to determine where your purchase was made. For example, a grocery store will have a completely different MCC from a gas station. Visa even allows you to look up MCC data using the name of the business or address, whilst Mastercard, Discover & American Express don’t make this data public.
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Bottom Line
Now that you have this comprehensive list of the best gas credit cards, all you have to do now is make your choice. You might already own a card on the list but just didn’t know the card’s full potential! These cards are not only great for gas, but some also specialize in other things, making them very well rounded cards. For more posts like this, check our our list of the best credit card bonuses!
