Best Credit Cards for Gas of 2024

Everyone who owns a bank account spends a percentage of their annual revenue on fuel. So, it makes sense to leverage and maximize these purchases. 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.

Credit Cards for Gas: Best Choices

As mentioned, 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 Signature Card by Visa is one of the best cards. This card has a high prize rate for purchasing groceries and gas. 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

Doesn't charge annual fees
Offer multiple bonus categories.

Cons

Has a complex bonus redemption process.

Chase Freedom Flex℠

This card is quite lucrative. It’s the best option for anyone who 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: 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

Zero annual fees
Offers an impressively welcome bonus
Bonuses are available in multiple categories
Introductory APR offer.

Cons

Cardholders must have good or excellent credit for approval
Rewards can be pretty complicated.

Citi Premier® Card

Citi Premier card has a reputation for offering its users many bonuses. This credit card is the best deal for anyone who 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

There are multiple bonus categories
Rewards are unlimited and don't expire.

Cons

Charges high annual fees.

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

Doesn't charge annual fees
Gives impressive rewards
Has a decent welcome bonus offer.

Cons

Limited redemptions on rewards
Required good/excellent credit.

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 purchases in the first three months.

Best for: Travels

Required credit score: 740-850

Pros

Impressive rewards
Rewards are calculated by billing cycles
Introductory APRs on purchases.

Cons

High annual fee
High credit score requirements.

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

Impressive welcome bonus
High bonus points rewards
Offers anniversary privileges.

Cons

Charges an expensive maintenance fee
Rewards aren't flexible.

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 aboard United flights. 2 miles on every dollar spent on gas and 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 of 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

Zero annual fees
Multiple bonus categories for cardholders
Impressive welcome bonus
Travel protections.

Cons

High credit score is required
Rewards aren't flexible enough.

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 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.

However, most of the available options on this list have a minimum requirement of 690. 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 credit 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 to help you make the best decision.

Pros

Many credit cards with good cash back on gas purchases also offer great sign-up bonuses
Discounts on Purchases when you use a gas credit card
Accumulative reward points
Convenient payment system
Zero foreign transaction fees
Travel funds on certain travel cards, etc.

Cons

High-Interest Rates: Best gas cards often have high APRs (on average, they charge 24% on interest)
Usage Limitations: You're at a great disadvantage if you move to a location where your credit card brand doesn't operate
Other cons of gas a credit card include limited rewards programs and extra charges.

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. Your cashback amount with a gas credit card depends on the card type.

That’s because each gas credit card has 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 following are the great factors you can consider.

Credit score requirements: Some cards require a low score to get approved, while others can be complicated.
Annual fee: Unless the gas credit card gives you more cash rewards, there is no reason to pay an annual fee for the card.
Gas station: Higher scores are given for gas station purchases with most cards, while some card prizes are for pay-at-the-pump purchases.

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, 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 a good payment option to get your gas or fuel without needing a creditor. So, you can access your stored money anytime you go to the gas station.

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 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.

Read On for More Card Reviews

FAQs

Can I overdraft a credit card for gas?

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.

Can I use a Walmart credit card for gas?

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.

Should I buy gas with a credit card?

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.

Where can I apply for a gas card?

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.