Best gas credit cards of July 2024
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BLUEPRINT
Updated 5:09 a.m. UTC July 1, 2024
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If the open road is where you feel most at home, you’ll be happy to know the best credit cards for gas can help you fill up on savings when spending at the fuel pump. Plus, many cards in this niche also offer generous points or cash back in other everyday spending categories, as well as consumer protections or travel benefits.
We studied an extensive list cards that offer gassed-up rewards at the pump to curate a list of the very best. Here are the best gas credit cards of 2024.
Editor’s Note: This article contains updated information from a previously published story.
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Ink Business Cash® Credit Card
Best gas credit cards
- Wells Fargo Autograph℠ Card: Best for bonus rewards categories.
- Blue Cash Preferred® Card from American Express: Best for gas and supermarkets in the U.S.
- BJ’s One+™ Mastercard® *: Best gas credit card.
- Chase Freedom Flex® *: Best for rotating categories.
- U.S. Bank Shopper Cash Rewards® Visa Signature® Card *: Best for gas and retail shopping.
- U.S. Bank Altitude® Connect Visa Signature® Card *: Best for welcome bonus.
- U.S. Bank Cash+® Visa Signature® Card *: Best for flexibility.
Why trust our credit card experts
Our team of experts evaluates hundreds of credit cards and analyzes thousands of data points to help you find the best card for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.
- 275+ cards analyzed.
- 6+ data points analyzed.
- 5-step fact-checking process.
Best for bonus rewards categories
Wells Fargo Autograph℠ Card
Best for gas and supermarkets in the U.S.
Blue Cash Preferred® Card from American Express
Best gas credit card
BJ’s One+™ Mastercard®
*The information for the BJ’s One+™ Mastercard® has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Best for rotating categories
Chase Freedom Flex®
*The information for the Chase Freedom Flex® has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Best for gas and retail shopping
U.S. Bank Shopper Cash Rewards® Visa Signature® Card
*The information for the U.S. Bank Shopper Cash Rewards® Visa Signature® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Best for welcome bonus
U.S. Bank Altitude® Connect Visa Signature® Card
*The information for the U.S. Bank Altitude® Connect Visa Signature® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Best for flexibility
U.S. Bank Cash+® Visa Signature® Card
*The information for the U.S. Bank Cash+® Visa Signature® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Compare the best credit cards for gas
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.
Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
N/A
Earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening,
Get a $250 bonus after spending $2,000 in eligible purchases within the first 120 days of account opening
Earn 50,000 bonus points when you spend $2,000 in eligible purchases within the first 120 days of account opening.
Earn a $200 rewards bonus after you spend $1,000 in eligible purchases within the first 90 days of account opening.
Why this card made the list
The Wells Fargo Autograph℠ Card has a simple and generous rewards structure across several different categories.These elevated reward categories include restaurants, travel, gas, transit, popular streaming services and phone plans.
Plus, the card provides cellphone protection (up to $600, up to two claims in a 12-month period and subject to a $25 deductible), secondary car rental coverage and a 0% intro APR on purchases for 12 months from account opening, then a variable APR of 20.24%, 25.24%, or 29.99% applies thereafter for purchases and balance transfers. The card has a balance transfer fee of up to 5% with a $5 minimum. However, its drawbacks are no 0% intro APR on balance transfers and the base earning rate on purchases outside of the bonus categories is low — so it might be best paired with another card.
- Annual fee: $0
- Rewards: 3 points per $1 at restaurants, travel, gas stations, transit, popular streaming services and phone plans and 1 point per $1 on other purchases.
- Welcome bonus: 20,000 points after spending $1,000 in purchases in the first three months of account opening.
- Foreign transaction fees: None.
Why this card made the list
The Blue Cash Preferred® Card from American Express (terms apply, rates & fees) offers one of the best rewards rates for U.S. supermarket spending available today, as well as strong earning rates on U.S. gas stations and transit purchases. Plus, cardholders enjoy up to $84 in annual statement credits ($7 monthly statement credits) toward eligible Disney Bundle subscriptions (after spending $9.99 or more each month on an eligible subscription; subject to auto-renewal). Enrollment is required. Last but not least, there’s a 0% intro APR for 12 months on purchases and balance transfers requested in the first 60 days, then a variable APR of 19.24% to 29.99%. A balance transfer fee of $5 or 3%, whichever is greater, applies.
Downsides include the $0 intro annual fee for the first year, then $95, a spending cap on the cash-back rate on U.S. supermarket purchases and a low earning rate on non-bonus-category spending.
- Annual fee: $0 intro annual fee for the first year, then $95.
- Rewards: 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations, 3% cash back on transit and 1% cash back on other purchases. Cash back is received in the form of Rewards Dollars that can be redeemed as a statement credit or for eligible items at Amazon.com checkout.
- Welcome bonus: $250 statement credit after spending $3,000 in eligible purchases in the first six months of card membership.
- Foreign transaction fees: 2.7% of each transaction after conversion to US dollars.
The information for the BJ’s One+™ Mastercard® has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Why this card made the list
If you have a BJ’s Club+ level membership at BJ’s Wholesale Club, the BJ’s One+™ Mastercard® * The information for the BJ’s One+™ Mastercard® has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. provides a generous discount of 15 cents off per gallon of gas at BJ’s gas stations, as well as strong cash-back earnings when shopping at the discount warehouse store. There’s no annual fee for the card, but the membership will set you back $110 per year.
- Annual fee: $0 with BJ’s Wholesale Club membership.
- Rewards: 5% cash back on most in-club and BJs.com purchases and 2% cash back everywhere else.
- Welcome bonus: None.
- Foreign transaction fees: N/A.
The information for the Chase Freedom Flex® has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Why this card made the list
The Chase Freedom Flex® * The information for the Chase Freedom Flex® has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. comes with a generous cash-back program, intro APR periods on purchases and balance transfers and a robust lineup of benefits to boot. While it’s not guaranteed every year, gas has been included as a past rotating quarterly category.
Cardholders enjoy a 0% intro APR for the first 15 months on purchases and balance transfers, then a variable APR of 20.49% to 29.24%. There is an intro balance transfer fee of either $5 or 3% of each transfer, whichever is greater, in the first 60 days. Then the fee is the greater of $5 or 5% of each transfer. As for protections, the Flex offers trip cancellation and interruption insurance, secondary rental car coverage, cellphone protection, purchase protection and extended warranty protection for up to an extra year on eligible warranties.
- Annual fee: $0
- Rewards: 5% cash back on up to $1,500 in categories that rotate quarterly (requires activation), 5% cash back on travel purchased through Chase Travel℠, 3% cash back on dining and drugstores and 1% cash back on all other purchases.
- Welcome bonus: $200 bonus after spending $500 on purchases in the first three months of account opening.
- Foreign transaction fees: 3% of each transaction in U.S. dollars.
The information for the U.S. Bank Shopper Cash Rewards® Visa Signature® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Why this card made the list
The U.S. Bank Shopper Cash Rewards® Visa Signature® Card * The information for the U.S. Bank Shopper Cash Rewards® Visa Signature® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. is unique because it lets you tailor your rewards to where you spend the most. You can earn 6% cash back each quarter on combined purchases from two retailers of choice ($1,500 limit), 5.5% cash back on prepaid car and hotel reservations booked through the Rewards Center, 3% cash back each quarter in one everyday category of choice ($1,500 limit) and 1.5% cash back on everything else. Its main downsides are the annual fee after year one and the quarterly cap on the elevated cash-back rate.
- Annual fee: $0 intro annual fee for the first year, then $95.
- Rewards: 6% cash back each quarter on combined purchases from two retailers of choice ($1,500 limit), 5.5% cash back on prepaid car and hotel reservations booked through the Rewards Center, 3% cash back each quarter in one everyday category of choice ($1,500 limit) and 1.5% cash back on everything else.
- Welcome bonus: $250 bonus after spending $2,000 in eligible purchases in the first 120 days of account opening.
- Foreign transaction fees: 3% of each foreign transaction.
The information for the U.S. Bank Altitude® Connect Visa Signature® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Why this card made the list
The U.S. Bank Altitude® Connect Visa Signature® Card * The information for the U.S. Bank Altitude® Connect Visa Signature® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. earns strong rewards for gas since it offers 5 points per $1 on prepaid hotels and car rentals booked directly in the Altitude Rewards Center, 4 points per $1 on travel, 4 points per $1 at gas stations and EV charging stations through September 8, 2024, after that 4 points per $1 on the first $1,000 spent each quarter (wholesale clubs, discount stores/supercenters and grocery stores excluded), 2 points per $1 on dining, streaming services and at grocery stores (discount stores/supercenters and wholesale clubs excluded effective September 9, 2024) and 1 point per $1 on all other eligible purchases. This gas credit card also has the most lucrative welcome bonus of all the cards on our list.
Plus, cardholders enjoy a $30 annual streaming credit (terms apply), a limited airport lounge membership, cellphone protection and more. Its biggest downsides are the low earning rate of 1 point per dollar on regular purchases and that points can’t be transferred to travel partners.
- Annual fee: $0 introductory annual fee for the first 12 months, then $95.
- Rewards: 5 points per $1 on prepaid hotels and car rentals booked directly in the Altitude Rewards Center, 4 points per $1 on travel, 4 points per $1 at gas stations and EV charging stations through September 8, 2024, after that 4 points per $1 on the first $1,000 spent each quarter (wholesale clubs, discount stores/supercenters and grocery stores excluded), 2 points per $1 on dining, streaming services and at grocery stores (discount stores/supercenters and wholesale clubs excluded effective September 9, 2024) and 1 point per $1 on all other eligible purchases.
- Welcome bonus: 50,000 points after spending $2,000 on purchases in the first 120 days of account opening.
- Foreign transaction fees: None.
The information for the U.S. Bank Cash+® Visa Signature® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Why this card made the list
The U.S. Bank Cash+® Visa Signature® Card * The information for the U.S. Bank Cash+® Visa Signature® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. lets you choose which categories you earn 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center, 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories of choice, 2% cash back on one everyday category (like gas stations, grocery stores and restaurants) and 1% cash back on all other eligible purchases. Plus, the card comes with a 0% intro APR on purchases and balance transfers for 15 billing cycles, then a variable APR of 19.49% to 29.74%. A balance transfer fee of 3% ($5 minimum) applies and balances transferred must be completed within 60 days.
The card’s drawbacks are the quarterly spending caps and that you have to remember to activate your bonus category each quarter. Also, the categories are more niche than some other cash-back cards, so it might be difficult for some consumers to optimize the rewards.
- Annual fee: $0.
- Rewards: 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center, 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories of choice, 2% cash back on one everyday category (like gas stations, grocery stores and restaurants) and 1% cash back on all other eligible purchases.
- Welcome bonus: $200 rewards bonus after spending $1,000 on purchases in the first 90 days of account opening.
- Foreign transaction fees: 3% of each foreign transaction.
Methodology
Our credit cards team has spent hours analyzing hundreds of credit cards. We took a deep dive into the details of each product and that analysis, combined with our years of experience covering credit cards, informed us as we developed these credit card rankings.
- Factors weighed in compiling this list include:
- Rewards rates on gas.
- Discounts on gas.
- Rewards rates on other spending.
- Welcome bonuses.
- Annual fees.
- Introductory APR periods.
- Perks like travel protections and annual credits.
- Expert opinions from our cards team.
Should you get a gas credit card?
Because gas credit cards offer better-than-average rewards on fuel purchases, they tend to work best for people who commute to work or spend quite a bit of money fueling up for leisure trips. That said, there are other considerations to keep in mind before you decide if one of the gas credit cards on this list is right for you.
Does a card offer more cash back or points in additional categories you tend to spend in, such as groceries or dining out? Finding this out before you apply is the best way to maximize your rewards. You’ll also want to check whether cards you’re considering offer any perks you can reasonably expect to use, including things like purchase protection, extended warranties, travel insurance benefits or 0% introductory APR offers.
Ultimately, you’ll want to look at each of the gas credit cards on this list and assess them based on how much in rewards you might earn over the course of 12 months, as well as the value of any perks they offer. When you take on this task, you may find that a gas credit card is perfect for your spending — or that you’re probably better off with a different type of rewards credit card.
Guide to gas credit cards
What is a gas credit card?
At its core, a gas credit card is a rectangular piece of plastic (and sometimes metal) you can use to make charges you can pay back later on. Like other types of credit cards, gas credit cards charge interest when you don’t pay your balance off completely at the end of each billing period. Some gas credit cards also charge annual fees, and many charge foreign transaction fees if you use them for purchases overseas.
Factors that make gas credit cards stand out from other types of credit cards include things like bonus rewards on gas — or sometimes fuel discounts when spending at a particular brand. Many gas credit cards also offer above-average rewards in other everyday spending categories like dining out, groceries or streaming services.
Who should get a gas credit card?
The best candidate for a gas credit card is someone who spends a lot of money fueling up their car (or several cars) each month. That said, it’s important to remember that gas credit cards, like all credit cards, tend to charge sky high interest rates when you carry a balance. This means gas credit cards won’t leave you “ahead” in a financial sense if you’re someone who carries debt on their card.
But if you can pay off your balance in full every month, and thus avoid interest charges, a gas credit card could be a great way for you to offset part of the cost of fueling up.
If you think you’ll need to carry a balance for a few months, and are seeking to avoid interest charges, consider one of the cards on this list with a low introductory APR offer.
How much can gas credit cards save you at the pump?
Very few general-purpose gas credit cards actually offer discounts on fuel — typically you’ll find fuel discounts on brand-specific store cards. The BJ’s One+™ Mastercard® * The information for the BJ’s One+™ Mastercard® has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. is a notable card on our list that comes with a generous discount of 15 cents off per gallon when you’re spending at BJ’s Gas.
Most gas credit cards give you cash back or points when you buy gas and make other purchases, which means you’re not really saving money in a traditional sense. Instead, your purchases can net you rewards you can ultimately turn into cash back, statement credits, gift cards and other options that vary depending on the card.
Comparing gas credit card rewards
As you look over the best gas credit cards in our ranking, it’s important to look at how you can redeem the rewards you earn. As you do more digging, you’ll find that some rewards credit cards only let you redeem your cash back or points for a very specific set of options, whereas others offer more flexibility.
As an example, cash back earned with the BJ’s One+™ Mastercard® * The information for the BJ’s One+™ Mastercard® has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. can only be used for merchandise in BJ’s stores, on BJs.com or in the BJ’s app. Some American Express cash-back credit cards, including the Blue Cash Preferred® Card from American Express, are restrictive in the sense of mainly letting cardholders redeem rewards for statement credits.
Meanwhile, a more flexible credit card like the Chase Freedom Flex® * The information for the Chase Freedom Flex® has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. will let you redeem rewards for cash back, statement credits, gift cards, merchandise, travel booked through Chase and more.
How gas credit cards work
Gas credit cards let you earn rewards on your spending based on the terms outlined in their offers. You can use them to pay for gas inside gas stations or at the pump, as well as for your other purchases, and you’ll get an itemized bill that includes all charges you made around once per month based on your billing cycle (around every 30 days).
If you pay the full balance on your credit card statement each billing cycle, you won’t be charged interest on your purchases thanks to your card’s grace period. If you pay at least the minimum payment but not the full balance, on the other hand, balances rolled over to the next month will accrue interest based on your credit card’s annual percentage rate (APR).
Many credit cards charge an annual fee as well, but some waive the fee the first year. That said, there are gas credit cards that never charge an annual fee.
Gas credit cards, like most credit cards, can help consumers build credit history through responsible use. To get the most out of a gas credit card, you’ll want to use it only for purchases you can afford to repay in full each billing cycle.
Choosing the best gas credit card
To find the best gas credit card for your needs, you should:
- Assess annual fees. Only pay an annual fee for a gas credit card if you know the extra rewards you earn and cardholder perks will be worth it.
- Consider rewards categories. Make sure a card’s rewards categories align with your everyday spending habits.
- Look at welcome bonuses. Consider cards that offer generous welcome bonuses of $200 or more when you can meet a minimum spending requirement.
- Decide the type of rewards you want to earn. Look at redemption options and make sure you have a plan for the points you earn, whether you prefer to redeem for statement credits, gift cards or other options.
Frequently asked questions (FAQs)
Most gas credit cards help you build credit by reporting your credit history to the three major consumer credit bureaus — Experian, Equifax and TransUnion.
Gas credit cards with a major card network logo (i.e. American Express, Discover, Mastercard or Visa) can be used anywhere these card types are accepted. This means you can use your card for other types of purchases, including groceries, dining, household supplies and more.
Gas credit cards that are typically easiest to get are usually secured credit cards that require a cash deposit as collateral. An example is the Discover it® Secured Credit Card, which lets you build credit and earn rewards with no annual fee.
This card requires a refundable security deposit of at least $200 to get started, but you get to earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter and 1% cash back on all other purchases.
Gas credit cards don’t necessarily help you save money on gas, but many let you earn rewards you can redeem for statement credits that can reduce your credit card bill. Just remember to pay your bill in full each billing cycle if you want to avoid paying interest on your purchases.
Gas credit cards can be worth it if you want to earn rewards on your spending while accessing other important credit card benefits. However, your results with a gas credit card will vary depending on how you use it.
For rates and fees for the Blue Cash Preferred® Card from American Express please visit this page.
*The information for the BJ’s One+™ Mastercard®, Chase Freedom Flex®, U.S. Bank Altitude® Connect Visa Signature® Card, U.S. Bank Cash+® Visa Signature® Card and U.S. Bank Shopper Cash Rewards® Visa Signature® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.
Blueprint has an advertiser disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.
