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Want to save hundreds on gas? Credit card rewards can be a viable solution, as long as you’re paying off your balance in full every single billing period so you can maintain or establish good to excellent credit and avoid spiraling into debt.

There are a lot of cards out there, though, so today we’re breaking down the best gas rewards credit cards for you so you can maximize those points and rewards at the pump.

Be sure to download the KCL app so you can don’t miss the latest savings tips!

 

1. Get up to $530+ cash back plus gas rewards with U.S. Bank Altitude Connect Visa Signature Card.

ProsCons
No annual fee – for the first year, anyways.
Generous introductory bonus of $500 when you spend $2,000 in the first 120 days after opening your account.Annual fee of $95 after first year.
Potential of no cap on cash back rewards spending.
4% cash back on gas and EV charging purchases.No introductory APR offer.
Additional cashback of varying percentages on all other purchases.
Annual $30 credit if you use your card to pay for certain streaming services throughout the year.APR isn’t terrible for a credit card, but it’s still too high to take on. Make sure you’re paying your balance in full every billing period to avoid interest charges. If you can’t, don’t open the card.
  • Annual fee: $0 for first year, $95 for every year after that
  • Cashback rewards: 1%-5%
  • Standard variable APR: 16.24%-24.24%
  • Introductory cashback offer: $500 when you spend $2,000 in the first 120 days

You will need good to excellent credit to qualify for the U.S. Bank Altitude Connect Visa Signature Card. The first year there is no annual fee, but after the 12-month mark you’ll be charged $95 every year.

There is no introductory offer on APR, and rates are fairly standard for a credit card. But still too high to carry a balance. If you spend $2,000 in the first 120 days (about six months) of opening your account, you’ll be rewarded with $500-worth of points.

On top of that, you’ll earn the equivalent of 4% cash back at gas stations, EV charging stations and on certain travel purchases. There is no blatantly advertised spending cap for cash back offers, which means it’s possible the only caps on your rewards are how much you spend.

You can earn the equivalent of 5% cash back on prepaid hotel and rental car reservations you make through the Altitude Rewards Center, 2% back on grocery, dining and streaming service purchases, and 1% cash back on everything else.

Plus, if you use one of these streaming services every month for 11 months, you’ll receive a $30 bonus each year:

Amazon MusicHBO MaxPeacock, Showtime
Amazon Prime VideoHuluSiriusXM
Apple MusiciHeartSlacker Radio
Apple TV+LuminarySling TV
DirecTV StreamMLB TVSpotify
Discovery+NBA League PassStarz
Disney+NetflixStitcher
ESPN+NHL LiveTidal, Vudu
Fubo TVPandoraYouTube Music
Google MusicParamount+YouTube TV and YouTube Premium

 

Potential cash back: $530+ – and that’s before counting your gasoline rewards.

 

2. Chase Freedom Flex could earn you $500 at the pump in the first year.

ProsCons
No annual fee.You must sign up for 5% cashback in rotating categories every quarter – except for gas.
5% cashback on gas for first year or first $6,000 spent.
$200 bonus when you spend $500+ in the first three months of account opening.15.24%-23.99% APR after 15 months isn’t the worst in the world of credit cards. But it’s still high-interest, and you want to avoid paying it by paying your balance in full every single billing cycle.
Additional cashback of varying percentages on all other purchases.
0% APR on purchases for the first 15 months.Subject to Chase’s 5/24 rule.

 

  • Annual fee: $0
  • Cashback rewards: 1%-5%
  • Introductory APR: 0% for first 15 months
  • Standard variable APR: 15.24%-23.99%
  • Introductory cashback offer: $200 after you spend $500 in first three months

You will need good to excellent credit to qualify for the Chase Freedom Flex card. Chase also has a rule that if you have applied for more than five credit cards in the past 24 months, you will not be approved.

The Chase Freedom Flex offers lots of attractive features, like a $200 cashback bonus when you spend $500 in the first three months of opening your card. For the first year, you’ll earn 5% cashback on your gas station purchases on the first $6,000 spent.

That means on gas alone, you could wrack up $300 in the first year. This is only an introductory offer, though. Assuming you earned the $200 cashback bonus, you’re now up to $500 in rewards.

Additionally, you’ll earn 5% cashback in quarterly bonus categories. You will have to sign up for these inflated quarterly rewards, or you won’t get them. For example, so far in 2022 the quarterly categories have been:

  • January – March: Grocery stores – but Target and Walmart didn’t count. Also, eBay purchases qualified for the 5% cashback.
  • April – June: Amazon.com and select streaming services.

At all times, you will earn 3% cashback on purchases made at drug stores, restaurants, and some food delivery services. You will earn 1% cashback on all other purchases.

Potential cashback rewards: $500+

 

3. Check out Chase Freedom Unlimited if you’re not about rotating categories.

ProsCons
No annual fee.
5% cashback on gas for the first year or first $6,000 spent.15.24%-23.99% APR after 15 months isn’t the worst in the world of credit cards. But it’s still high-interest, and you want to avoid paying it by paying your balance in full every single billing cycle.
$200 bonus when you spend $500+ in the first three months of account opening.
Additional cashback of varying percentages on all other purchases.Subject to Chase’s 5/24 rule.
0% APR on purchases for the first 15 months.

 

  • Annual fee: $0
  • Cashback rewards: 1.5%-5%
  • Introductory APR: 0% for first 15 months
  • Standard variable APR: 15.24%-23.99%
  • Introductory cashback offer: $200 after you spend $500 in first three months

Chase Freedom Flex and Chase Freedom Unlimited are very similar. Both offer you $200 in rewards points after spending $500 in your first three months as an account holder. And both will give you 5% cashback on the first $6,000 in purchases you make at gas stations for the first year, for a total of $500 in rewards.

But everything after that is slightly different. Chase Freedom Unlimited does not have a 5% cash back offer on rotating categories. While it does still give you 3% cashback on restaurant and drugstore purchases, it pays 1.5% cash back rewards on all other purchases.

PRO TIP: Earn even more cold, hard cash by joining the Chase refer-a-friend program.

If you are looking at cashback potential only, the Flex pays out more for most people if they actually register for the quarterly categories. But if you forget to register or simply don’t spend money in any of the given quarterly categories, you may come out on top with Unlimited instead.

Potential cashback rewards: $500+

 

4. Get rewarded for your highest spending category with Citi Custom Cash Card.

ProsCons
No annual fee.
5% cash back on first $500 you spend on gas every month – or in your highest spending category.15.24%-23.99% APR after 15 months isn’t the worst in the world of credit cards. But it’s still high-interest, and you want to avoid paying it by paying your balance in full every single billing cycle.
$200 bonus when you spend $750+ within the first three months of account opening.
Additional cash back of 1% on all other purchases.Cumulative cashback could easily end up being less than Chase’s offers depending on how much money you spend outside of your highest spending category.
0% APR for first 15 months.

 

  • Annual fee: $0
  • Cashback rewards: 1%-5%
  • Cashback cap: $500 per month
  • Introductory APR: 0% for 15 months
  • Standard variable APR: 14.24%-24.24%
  • Introductory cashback offer: $200-worth of points when you spend $750 in the first 3 months

You will need good to excellent credit in order to qualify for the Citi Custom Cash Card, which comes with no annual fee. It also comes with 0% APR on purchases for the first 15 months, but after that, you’ll end up paying a fairly standard variable APR of 14.24%-24.24%. You should pay your statement balance in full every month – even if you are not being charged interest. Paying late or letting your balance build up could have a negative impact on your credit report.

If you spend $750 or more in the first three months, you can currently get a $200 bonus reward. Plus, you’ll get 5% cash back on your highest spending category every month on the first $500 spent. One of the spending categories is gas stations, so if filling up your SUV is the biggest line item in your budget lately, rejoice! Because this reward and maximum is applied monthly, it adds up to up to $300/year, which is the same max payout as the Chase cards.

The other potential spending categories are:

  • Restaurants.
  • Grocery stores.
  • Drug stores.
  • Home improvement stores.
  • Fitness clubs.
  • Live entertainment.
  • Certain travel, transit and streaming purchases.

If your grocery bill has nearly doubled over the past two years, that might end up being your highest spending category, despite sky-high prices at the pump.

You’ll still get cash back on gas in this scenario, though. Every other purchase you make outside of your highest spending category gets you the equivalent of 1% cashback rewards.

Potential cashback rewards: $500+

 

5. There’s no cap on gas rewards with the PenFed Platinum Rewards Visa Signature Card.

ProsCons
No annual fee.High credit standards.
Decently low APR for a credit card.No intro APR.
5x points on gas and EV charging purchases.No intro bonus offer.
1x-3x points on all other purchases.You will have to join the credit union – but it’s not hard to do.
Rewards can be worth as much as 8% of purchase depending on redemption method.No cash back redemption option.
No cap on rewards earnings.

 

  • Annual fee: $0
  • Cashback rewards: 1x-5x points per every dollar spent
  • Standard variable APR: 14.49%-17.99%
  • Introductory cashback offer: None

You will need an excellent credit score to qualify for the Platinum Rewards Visa Signature Card. You will also need to join PenFed Credit Union, but that’s an easy enough process. All you have to do is sign up for a Member Savings Account with a minimum opening deposit of $5.

This card doesn’t come with an introductory cashback offer or reduced APRs, but the standard APRs are low – at least for a credit card. You will want to pay your balance in full every month, anyways, to avoid paying interest altogether.

You will earn 5 points for every $1 you spend at the pump – whether you’re gassing up your car or plugging it into the EV charging station. There is no maximum dollar amount where you’ll stop earning 5x points.

PRO TIP: Did you know you could save money on gas by not filling up on Thursdays?

PenFed’s rewards points are currently valued at around 1.6 cents per point, though depending on your redemption method, your mileage may vary. This would put you at around 8% in rewards on gas purchases, but you can’t claim them in cash back. Instead, you can claim them for gift cards, certain travel purchases, and shopping in PenFed’s online portal.

You will earn 3 points for every $1 you spend at:

  • Grocery stores
  • Target
  • Walmart
  • Restaurants
  • TV, radio and streaming services

Every other purchase will earn you 1 point per dollar spent.

Potential cashback rewards: No cashback. But also no cap on rewards, which could earn you up to 8% back in redemption value on gas purchases.

 

6. The best grocery and gas rewards credit card could be Blue Cash Preferred Card from American Express.

ProsCons
No annual fee for the first year.
0% APR for the first 12 months.$95 annual fee after the first year.
$350 in rewards when you spend $3,000 in the first six months after opening your card.
3% cashback on gas purchases.Standard APRs after the first 12 months aren’t terrible as far as credit cards are concerned, but it’s still high. Avoid owing it by paying your balance in full every month.
Additional cashback of varying percentages on all other purchases – including 6% cash back on the first $6,000 your spend on groceries per year.
  • Annual fee: $0 for the first year, then $95
  • Cashback rewards: 1%-6%
  • Introductory APR: 0% for 12 months
  • Standard variable APR: 14.24%-24.24%
  • Introductory cashback offer: $350-worth of points when you spend $3,000 in the first 6 months

You will need good to excellent credit to qualify for the Blue Cash Preferred Credit Card. There is no annual fee the first year, but after that, you will pay an annual fee of $95.

For the first year, you won’t have to pay any interest, though you should still pay your balance off in full every month to keep your credit in tact. After that, the APR jumps up to fairly standard rates.

American Express offers a $350 bonus on this card when you spend at least $3,000 in the first six months.

While the cash back offer on gas is only 3%, there is no spending cap in this category. You’ll also get the equivalent of 6% cash back on the first $6,000 of grocery purchases every year. That’s $360 max rewards per year before they drop to 1%.

You’ll also earn 6% cash back on your streaming service purchases, 3% cash back on transit purchases, and 1% cash back on all other purchases.

Potential cash back rewards: $710+ – and that’s before factoring in your gas-specific rewards.

 

7. The Costco Anywhere by Visa Card by Citi allows you to buy gas anywhere.

ProsCons
No annual fee.Must have a Costco membership.
4% cash back on the first $7,000 you spend per year at all gas stations – not just the ones owned by Costco.High credit standards.
1%-3% cash back on all other purchases.Because the cash back percentage is lower, you’ll get more from cards higher up on this list even though the annual spending cap for rewards may be slightly higher.
No introductory offers for APR or bonuses.
  • Annual fee: $0
  • Cashback rewards: 1%-4%
  • Standard variable APR: 15.49%
  • Introductory cashback offer: None

You will need excellent credit for the Costco Anywhere Visa Card by Citi. You will also need a Costco membership.

There are no introductory offers with these cards. But you will get 4% cash back on the first $7,000 you spend on gas every year. And you don’t have to buy the gas at Costco! You can purchase it anywhere. That’s $280 cash back max on gas purchases every year.

You can also earn 3% back on restaurant and some travel purchases, and 2% back on purchases at Costco and Costco.com. All other purchases will net you 1% cash back.

Your cash back will be issued in the form of a certificate which you can redeem at Costco for cash or as a credit against a Costco purchase.

Potential cash back savings: $280+

 

8. USAA Cashback Rewards Plus American Express Card has high gas station rewards – but they’re capped.

ProsCons
No annual fee.Military or USAA affiliation required.
5% cash back on first $3,000 of gas purchases every year.High credit standards.
Additional cashback of varying percentages on all other purchases.Relatively low cap on annual cash back spending.
No introductory offers for APR or bonuses.
  • Annual fee: $0
  • Cashback rewards: 1%-5%
  • Standard variable APR: 12.15%-26.15%
  • Introductory cashback offer: None

You will need excellent credit to qualify for the USAA Cashback Rewards Plus American Express Card. You will also need to be eligible for USAA membership by having an association with the military, whether that’s through yourself, a parent or a spouse. You’d also be eligible if those family members were not military, but had USAA memberships themselves.

There are no introductory offers on this card, whether we’re talking signup bonuses or reduced APRs. However, you will get 5% cash back rewards on gas purchases and all purchases made on a military base. There is a $3,000 spending cap per year for this reward level, which means you’d max this reward out at just $150 per year.

You will also earn 2% cash back rewards on your first $3,000 in grocery purchases, and 1% cash back on everything else.

Potential cash back rewards: $150+

 

9. What to consider with store-branded gas station credit cards.

A person's hand putting their credit card into the card reader at a gas pump.

These cards can look alluring, but there are a few things you have to consider.

You might encounter a card that offers a certain number of cents per gallon off every time you use the card to pay at their specific gas station. That’s great if you have 100% gas station loyalty. But if you don’t, it doesn’t make much sense to only save at one gas station.

Then, you have to look into the value and fine print of these discounts themselves. For example, the Shell | Fuel Rewards Cards offer 30 cents off per gallon – which at an average cost of $4.19/gal, comes out to an impressive 7% discount. Much better than almost any of the credit card offers.

PRO TIP: Save even more on gas by learning about the best fuel reward programs.

But that offer only lasts for your first five visits. Let’s say you have a 20-gallon tank. You’d be saving $6 every time you filled up with the $0.30/gallon discount, but you’d only get it five times for a whopping $30 off. Compared to the bonuses from some of the non-branded credit card options, that’s not incredibly impressive.

After the first five visits, you get $0.10/gallon off, which currently equates to about 2% off with current average prices. So everything after that first $30 is less than you’d get with the non-branded cards above.

Speedway’s Speedy Rewards Mastercard does come with an introductory bonus, but the points can’t be converted to cash. They can only be redeemed on Speedway purchases and points aren’t even worth $0.01/each in most cases.

You may find a card where the rewards are worth it. But in many cases, the perks of store-branded credit cards aren’t worth the restrictions that accompany them.

Top 8 Best Gas Credit Cards to Save You Money at the Pump