Gas Station Credit Cards with Rewards You Should Know About

Last Updated on December 3, 2025 by Amrita Das

With gas prices always fluctuating, finding ways to save money at the pump is a top priority for many drivers. A gas rewards credit card can be a powerful tool, turning your necessary fuel expenses into cash back, points, or travel miles. These cards offer elevated rewards on gas purchases, helping you earn back a portion of what you spend every time you fill up your tank.

The key to maximizing these benefits is finding the right card for your spending habits. Some cards offer a high, flat rate on all gas purchases, while others provide rewards in rotating categories.

You’ll also find co-branded cards that offer significant discounts at specific gas station chains. Beyond the pump, many of these cards also feature bonus rewards on other everyday categories like groceries, dining, and travel.

In this guide I will discuss with you some of the best gas rewards credit cards available today. Here, you will know their reward structures, fees, and extra perks to help you identify the perfect card to accelerate your savings and get more value out of every gallon.

General-Purpose Gas Rewards Cards

These cards offer bonus rewards at a wide range of gas stations, giving you the flexibility to fill up wherever is most convenient. They aren’t tied to a specific brand, making them a great choice for most drivers.

Blue Cash Preferred® Card from American Express

The Blue Cash Preferred® Card is a powerhouse for everyday spending, offering excellent cash back rates in several common categories.

Gas Rewards: Earn 3% cash back at U.S. gas stations and on transit purchases. This includes taxis, rideshares, parking, tolls, trains, and buses.
Other Rewards: The card truly shines with its 6% cash back at U.S. supermarkets on up to $6,000 in purchases per year (then 1%). It also offers 6% cash back on select U.S. streaming subscriptions and 1% on all other purchases.
Annual Fee: $0 introductory annual fee for the first year, then $95.
Sign-Up Bonus: Earn a $250 statement credit after spending $3,000 on purchases within the first 6 months.

This card is ideal for individuals and families whose spending is heavily concentrated on groceries and gas. The annual fee is easily offset if you maximize the supermarket rewards.

Learn more about Blue Cash Preferred® Card from American Express

Wells Fargo Autograph® Card

The Wells Fargo Autograph® Card is a strong contender with its broad bonus categories and no annual fee.

Gas Rewards: Earn an unlimited 3X points on purchases at gas stations.
Other Rewards: The 3X points rate also applies to restaurants, travel, transit, popular streaming services, and phone plans. All other purchases earn 1X points.
Annual Fee: $0.
Sign-Up Bonus: Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months.

With no annual fee and a wide range of 3X categories, the Autograph® Card is an excellent choice for consumers who want straightforward, valuable rewards across many aspects of their budget.

Learn more about Wells Fargo Autograph® Card

Citi Custom Cash® Card

This card offers a unique approach to rewards, automatically adapting to your spending habits each month.

Gas Rewards: Earn 5% cash back on up to $500 spent in your highest eligible spending category each billing cycle. Gas stations are one of the eligible categories.
Other Rewards: You’ll earn 1% cash back on all other purchases and on spending above the $500 cap in your top category.
Annual Fee: $0.
Sign-Up Bonus: Receive $200 cash back when you make $1,500 in eligible purchases within the first 6 months after opening your account.

The Citi Custom Cash® Card is perfect for people with concentrated spending in one area. If gas is consistently your biggest monthly expense, this card delivers an outstanding 5% return.

Lear more about Citi Custom Cash® Card

Blue Cash Everyday® Card from American Express

A no-annual-fee alternative to the Preferred card, the Blue Cash Everyday® Card still packs a punch.

Gas Rewards: Earn 3% cash back at U.S. gas stations on up to $6,000 in purchases per year (then 1%).
Other Rewards: The card also offers 3% cash back at U.S. supermarkets and on U.S. online retail purchases (each on up to $6,000 per year, then 1%). All other purchases earn 1%.
Annual Fee: $0.
Sign-Up Bonus: Earn a $200 statement credit after you spend $2,000 in purchases within the first 6 months.

This card is a fantastic option for those who want solid gas and grocery rewards without committing to an annual fee.

Learn more about Blue Cash Everyday® Card from American Express

Co-Branded Gas Station Credit Cards

If you’re loyal to a specific brand of gas, a co-branded card can offer some of the highest savings available, often in the form of an instant discount at the pump.

Costco Anywhere Visa® Card by Citi

For Costco members, this card is an unbeatable option for gas and other everyday spending.

Gas Rewards: Earn 4% cash back on eligible gas and EV charging purchases worldwide (including at Costco) for the first $7,000 per year, then 1%.
Other Rewards: You get 3% cash back on restaurants and eligible travel, 2% on all other purchases from Costco and Costco.com, and 1% on everything else.
Annual Fee: $0, but a Costco membership is required (starting at $60 per year).
Sign-Up Bonus:

This card’s 4% cash back rate on gas is among the best available. It’s a must-have for frequent Costco shoppers who can take advantage of all its reward categories.

Sam’s Club® Mastercard®

Similar to the Costco card, the Sam’s Club® Mastercard® offers exceptional gas rewards for its members.

Gas Rewards: Earn 5% cash back on gas purchased at Sam’s Club and other eligible gas stations on up to $6,000 per year, then 1%.
Other Rewards: Earn 3% cash back on dining and 1% on all other purchases.
Annual Fee: $0, but a Sam’s Club membership is required.
Sign-Up Bonus: Varies by promotion.

The 5% cash back rate on gas is difficult to beat, making this card a top choice for Sam’s Club members, especially those with long commutes.

ExxonMobil™ Smart Card

This card provides instant savings directly at the pump for loyal Exxon and Mobil customers.

Gas Rewards: Save 12 cents per gallon on Synergy Supreme+™ premium gasoline or 10 cents per gallon on other Synergy™ fuel grades.
Other Rewards: Earn a 5% return* at the close of each month when you shop at convenience stores or pay for car washes. This reward comes as a statement credit, applicable to the first $1,200 spent annually on non-fuel transactions.
Annual Fee: $0.

This is a straightforward card for drivers who consistently fuel up at Exxon or Mobil and prefer instant discounts over earning points or cash back.

Ink Business Cash® Credit Card

This Chase business card is a popular choice for its high cash back rates in common business categories.

Gas Rewards: Receive 2% cash back on your first spent $25,000 in combined shopping at gas stations and restaurants each account anniversary year.
Other Rewards: This card stands out with its 5% cash back on the first $25,000 spent each year on office supply store purchases and internet, cable, and phone services combined. All other purchases earn a solid 1% cash back.
Annual Fee: Enjoy all the perks of this credit card without having to pay an annual fee.
Sign-Up Bonus: Earn a generous $750 in bonus cash back after spending $6,000 on purchases within the first three months of account opening.

This card is a fantastic tool for small business owners looking to maximize rewards on essential services, including fuel.

Hilton Honors American Express Surpass® Card

For travelers who prefer the Hilton portfolio, this card helps you earn points quickly on gas and other spending.

Gas Rewards: Earn 6X Hilton Honors Bonus Points per dollar at U.S. gas stations.
Other Rewards: Earn an impressive 12X points on eligible purchases at Hilton hotels and resorts, 6X points at U.S. supermarkets and U.S. restaurants, 4X points on U.S. online retail purchases, and 3X points on all other purchases.
Annual Fee: $150.
Sign-Up Bonus: Earn 155,000 Hilton Honors Bonus Points after spending $3,000 in purchases within the first 6 months.

This card is a fast track to elite status and free nights at Hilton properties, making your gas spending work toward your next trip.

Hilton Honors American Express Card

The no-annual-fee version of the Hilton card still offers a solid return on gas purchases.

Gas Rewards: Earn 5X Hilton Honors Bonus Points per dollar at U.S. gas stations.
Other Rewards: Earn 7X points on purchases at Hilton hotels, 5X points at U.S. restaurants and U.S. supermarkets, and 3X points on other purchases.
Annual Fee: $0.
Sign-Up Bonus: Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases within the first 6 months.

It’s a great entry-level travel card for those who want to earn Hilton points on everyday purchases without paying an annual fee.

Read more about Hilton Honors American Express Card

Best tips to use gas credit cards wisely: Gas Station Credit Cards with rewards you should know about

Always Pay Your Balance in Full

The most important rule of using any rewards credit card is to avoid carrying a balance. Gas credit cards often come with high interest rates, sometimes between 20% and 30% APR. If you carry a balance from month to month, the interest charges you accumulate can easily wipe out any rewards or cash back you’ve earned.

Think of it this way: earning 3% back on gas purchases is great, but if you’re paying a 25% APR on your balance, you’re losing money. The key is to only charge what you can afford to pay off in full when your statement arrives.

As Joe Ridout, a spokesman for Consumer Action, notes, “As long as you’re paying off your balance in full every month, a good rewards gas card is found money.”

Stack Savings with Loyalty Programs

One of the smartest ways to boost your savings is by “stacking” rewards. This means combining the cash back or points from your gas credit card with discounts from a gas station’s loyalty program.

Many major gas station chains offer free rewards programs that give you points on fuel and in-store purchases, which can be redeemed for cents-off-per-gallon discounts.

To do this, simply scan your loyalty card or enter your phone number at the pump before you pay. This applies your loyalty discount. Then, pay for the remaining balance with your gas rewards credit card to earn cash back or points on the purchase. It’s a simple two-step process that doubles your savings.

Don’t Drive Out of Your Way for Rewards

The savings from a gas card are valuable, but they can be easily diminished if you burn extra fuel just to get them. Driving several miles out of your way to a specific gas station might seem worth it to earn rewards, but the cost of the gas you use for the detour can offset what you save.

Consider a simple example: your car gets 20 miles per gallon in the city, and you drive three miles round-trip to a specific station. If gas is $3.25 per gallon, you’ve spent nearly 50 cents just to get there.

If you earn 1% cash back on a $50 fill-up, that’s only 50 cents in rewards—essentially breaking even. Your time is valuable, too. For a gas card tied to a specific retailer to be worthwhile, its stations should be conveniently located on your regular routes.

Prioritize Cheaper Gas Over Brand Loyalty

Many drivers make the mistake of sticking to a specific gas station brand just because they have the corresponding credit card, even if a station across the street offers cheaper fuel. This can end up costing you more than you save.

Before committing to a brand-specific gas card, analyze your driving habits. A general-purpose rewards card that offers a high cash-back rate on all gas purchases gives you the freedom to shop around for the lowest price.

Be aware that some cards exclude warehouse clubs like Costco and Sam’s Club from their gas bonus categories, so always check the terms.

Understand How You Earn and Redeem Rewards

Not all rewards programs are created equal. Before you sign up for a card, dig into the details of how its rewards structure works. Some cards cap the amount of cash back you can earn in a quarter or year. Others require you to reach a minimum threshold before you can cash out your earnings.

Some gas cards offer rewards as a discount on a single fill-up. This type of reward provides more value to someone with a large truck than someone with a small, fuel-efficient car.

Additionally, if a card offers points instead of direct cash back, make sure you understand the value of those points and how they can be redeemed.

Read the Fine Print Carefully

Private-label gas cards, which can only be used at a specific brand’s stations, sometimes have less favorable terms than general-purpose credit cards. They can feature high APRs and steep fees for late payments or exceeding your credit limit.

These cards often use attractive welcome offers to draw in customers, but the long-term costs can outweigh the initial benefits if you’re not careful. If you think you might carry a balance or occasionally miss a payment, you’re better off finding a card with more forgiving terms, even if its gas rewards aren’t as high.

Conclusion

The best gas rewards credit card is the one that aligns with your lifestyle and spending patterns. If you value flexibility, a general-purpose card like the Wells Fargo Autograph® Card or Blue Cash Preferred® Card offers great returns at nearly any gas station.

If you are a loyal customer of a specific brand, a co-branded card like the Costco Anywhere Visa® Card can provide unmatched savings.

Before applying, consider the card’s annual fee and whether your rewards will outweigh the cost. Also, consider the sign-up bonus and other reward categories to determine how the card aligns with your overall financial strategy. By choosing wisely, you can make every trip to the gas station a little more rewarding.