Best Credit Cards for Gas of 2022

Everyone who owns a bank account spends a percentage of their annual revenue on fuel. So, it makes complete sense that we leverage these purchases and maximize them. Thankfully, with the aid of the best credit cards for gas, you can maximize your gas purchases and access extra benefits such as no foreign transaction fees, premium privileges, etc.

On average, a household in the United States spends more than $2,000 yearly on gas purchases. So, why not set aside a card for this? Regardless of who registers the card, it is good for sorting your payments at gas stations. Hence, to help you choose the best one for this purpose, we’ve compiled a comprehensive list of the best offers out there.

Best Credit Cards for Gas of 2022

Credit Cards for Gas: Best Choices

As mentioned earlier, our reviewers have considered the best features to look at when selecting. This list is therefore made up of the best choices available. However, it’s still important to try and compare each of the cards.

Each of them has its benefits and drawbacks. So, you must factor in their annual fees, credit score requirements, interest rates and rewards in your decision-making process. Check out the comprehensive list below

Annual fee Intro offer Credit score requirement Best for
Platinum Rewards Visa Signature® Card None 15,000 bonus score when you spend up to $1,500 in your first three months of signing up. 690-950 Rewards 
Chase Freedom Flex℠  $0 Get $200 bonus when your net purchases reach up to $500 in your first three months of registration. 690-850 Cash Backs 
Citi Premier® Card $95 80,000 ThankYou score when you spend up to $4,000 net purchases in your first 3 months.  690-850 Travel
Wyndham Rewards® Earner℠ Card $0 30,000 bonus score for spending up to $1,000 on total purchases in the first three months.  690-850 Hotel
Amex EveryDay® Preferred Credit  $95 15,000 bonus score when you spend up to $1,000 on all your purchases in the first 3 months. 740-850 Travel
Wyndham Rewards Earner® Business  $95 Get 45,000 bonus score when you spend up to $2,000 on net purchases in the first 3 months. 690-850
United Gateway℠  $0 30,000 miles when you spend as much as $1,000 on your first three months owning the card 690-850 Airlines

Platinum Rewards Visa Signature® Card

Platinum Rewards Visa Signature Card

Platinum Rewards Signature Card by Visa is one of the best cards out there. This card has a high prize rate for purchasing gas and groceries. Using this Visa card brings various ways for cardholders to get bonuses.

Annual fee: $0

Rewards rate: 5 points for every dollar you spend on supermarket expenditures, dining, and telecoms. 1 point on all others.

Intro offer: 15,000 bonus points when you spend up to $1,500 in your first three months of signing up.

Required credit score: 690-950

Best for: Rewards 

APR: Get 0% for the first twelve months. 17.99% non-variable APR after that.

Pros

Cons

Chase Freedom Flex℠

Chase Freedom FlexSM

This card is quite lucrative. It’s the best option for anyone that wants to optimize their purchases. The rewards system is Impressive, and the issuer doesn’t charge you an annual fee either.

Annual fee: None

Rewards rate: There is a 5% cashback bonus for spending up to $1,500 across all bonus categories (dining, delivery, others). 1% on all other purchases.

Intro offer: Get a $200 bonus when your net purchases reach $500 in your first three months.

APR: 0% interest rate for the first fifteen months. 18.84%-27.49% variable APR after.

Required credit score: 690-850

Best for: Cash Backs 

Pros

Cons

Citi Premier® Card

Citi Premier Card

Citi Premier card has a reputation for offering its users a good deal of bonuses. This credit card is the best deal for anyone that spends heavily on gas, dining and travel. It has exciting welcome bonuses with multiple cash rewards.

Annual fee: $95

Rewards rate: 3 points when you spend a dollar at dining, hotels, supermarkets, etc. Then you get 1 point on all other purchases.

Intro offer: 80,000 ThankYou score when you spend up to $4,000 net purchases in your first three months. 

Required credit score: 690-850

Best for: Travel 

Pros

Cons

Wyndham Rewards® Earner℠ Card

Wyndham Rewards Earner Card

Unlike Visa, the Wyndham credit card was specifically designed for cardholders who love to earn on their transactions. It’s a $0 annual fee card that allows travelers to maximize their travel funds. 

Annual fee: $0

Rewards rate: 5 points for every flat spent on eligible purchases at Wyndham hotels. 2 points on every dollar spent on dining and groceries at eligible stores. 1 point on every dollar spent on other expenses.

Intro offer: 30,000 bonus score for spending up to $1,000 on total purchases in the first three months. 

Required credit score: 690-850

Best for: Hotel

APR: 0% interest charges on transactions and balance transfers for the first 15 billing cycles. 19.49%-28.74% variable APR after.

Pros

Cons

Amex EveryDay® Preferred Credit Card

Amex EveryDay Preferred Credit Card

If you’re a bit fan of rewards, this Amex card will help you accumulate enough. It’s the best option for travelers to optimize their funds and make good rewards. However, the services come at a price not everyone will be willing to pay.

Annual fee: $95

Rewards rate: 3 bonus points for purchases at U.S. supermarkets. 2 points at gas stations, car rents. 1 point on other purchases.

Intro offer: 15,000 bonus score when you spend up to $1,000 on all your purchases in the first three months.

Best for: Travels

Required credit score: 740-850

Pros

Cons

Wyndham Rewards Earner® Business Card

Wyndham Rewards Earner Business Card

For business owners, this card is perhaps the best option you can go for, especially if you stay at Wyndham properties. It offers the best cash in fields related to business.

Annual fee: $95

Rewards rate: 8 bonus points on every dollar spent at Wyndham hotels and gas station partners. 5 points on every dollar spent on utility, adverts and marketing. 1 point on all other purchases.

Intro offer: Get a 45,000 bonus score (equivalent to 6 free nights) when you spend up to $2,000 on net purchases in the first three months.

Required credit score: 690-850

Ongoing APR: 19.74%-28.74% Variable APR

Pros

Cons

United Gateway℠ Card

United Gateway Card

For frequent travelers of United Airlines, like Visa, this card is just right for you. It has an impressive welcome bonus for players. The card offer comes at no extra fee to the user too.

Annual fee: None

Rewards rate: Get up to 25% cash back on dining, beverages, and Wi-Fi when you are aboard United flights. 2 miles on every dollar spent on gas, local transit. 1-mile bonus on other purchases.

Intro offer: 30,000 miles when you spend as much as $1,000 on your first three months owning the card

Required credit score: 690-850

Best for: Airlines 

APR: 0% in the first 12 months of signing up. 20.24%-27.24% variable APR after.

Pros

Cons

How Do Gas Credit Cards Work

How Do Gas Credit Cards Work?

A gas credit card is a type of card issued by a gas station. A gas credit card is different from a prepaid credit card. Gas credit cards are easier to get approved for than rewards credit cards. They can benefit those having difficulty getting approval for a traditional credit card.

A gas credit card can be the best option for those with fair credit trying to rebuild their credit. They are often accepted at one particular gas station chain and rejected at another. Like all other credit cards, a gas credit card requires a monthly minimum payment but might give more rewards.

What Credit Score Do You Need to Get a Gas Credit Card?

Different bank issuers set their lower and upper limits for approvals. However, most banks want to set the bar low to allow low-credit users to access their service. Despite this, you’ll need nothing less than a 640 or higher credit score to get approved for a gas card.

Most of the available options on this list have a minimum requirement of 690, though.

So you might be better off finding other options if you have a lower credit score than 690. Thankfully, you can use your gas card to build your history. This makes it a good reason to gear up your score to get approved.

What Are the Pros and Cons of Gas Credit Cards?

The decision of whether to choose a gas card or another option is not an easy one. Here are some pros and cons that’ll help you make the best decision.

Pros

Cons

How Should You Choose a Gas Credit Card?

You might not be spending as much on gas as you think. That’s why the best gas credit cards are likely the ones that give extra cash rewards on purchases. The cashback amount you can get with a gas credit card depends on the type of card. That’s because each gas credit card has its unique features, benefits, requirements, etc.

But the amount you earn also depends on how you use your card. You can earn good cash rewards by carrying a large interest-bearing balance or using your card unreasonably by getting penalty fees. The followings are the great factors you can consider.

How Should You Choose a Gas Credit Card

Is a Gas Credit Card Worth It?

It depends, as with many products. Remember that you have just made the first step to save more when you get a great reward credit card. A gas credit card might be worth it in certain situations. Using certain gas credit cards responsibly could increase your credit score and serve you more cash rewards.

Also, paying an annual fee is no issue since you can complement it with a cash reward. However, a gas card might not be worth it in some scenarios. For example, if you can qualify for a regular credit card with all gas prizes and benefits. Then you don’t need a gas card.

Alternatives to Gas Credit Cards

If you don’t have enough credit score or other requirements to get approved. You can always opt for alternatives to gas credit cards, like Visa. However, this could mean that you’ll miss out on certain rewards.

Prepaid Fuel Cards

Prepaid fuel cards are the type of good payment option you can use to get your gas or fuel without needing a creditor. So, anytime you go to the gas station, you can simply access your stored money.

Gift Cards

Just like fuel cards, gift cards work similarly. You can purchase them easily at supermarkets and stores. So, they help you store your money for future use. So, anytime you need it, you’ll just provide the gift card and swap it for your gas purchase.

Conclusion

Selecting the right payment medium for your gas expenses is not compulsory but necessary. It’s the difference between making a purchase and making a profit. The right bank can help you maximize the value of your annual fuel expenses. But, you must consider the most important features.

First, take note of the rewards, which are the essence of it in the first place. You must also ensure it doesn’t charge you extra amounts you never planned for. Then you should check for other important features like the welcome bonus offers, interest rates, etc. 

FAQs

You can’t overdraft a credit card. There is no such thing as over-drafting a credit card. This is because an overdraft means going over your credit limit, and credit card issuers should not approve a card transaction that exceeds your limit.

Yes! You can use a Walmart gift card for gas. Walmart gift card can be used at gas stations, just like they are accepted in the store to buy various goods.

Whenever you fill your tank from a gas station with your credit card, it’ll show up on your transaction statement, which makes it much easier to keep track of the amount you’re spending on gas. Buying gas with a credit card has many benefits and is likewise easy, so yes, you should do that.

You can apply for a gas credit card at the bank or fill out an online form, but the approval process can vary depending on the card. There are different gas stations available to apply to. You just need to locate the one closest to your location and apply either in their station or apply online.