After 18 hours of research evaluating 150 products, we picked Capital One Quicksilver Cash Rewards Card as our top choice.
The best gas credit card options let you rack up some awesome cash-back rewards - isn’t it nice to get paid for something you have to buy anyway?
Whether you’re a soccer mom who transports teammates to practice multiple times a week or a marketer who delivers your spiel to clients around the state, we’ve got a gas credit card that’s perfect for you.
There are unique advantages to these cards. The greatest of which is of course, free gas! But choosing the best credit cards for gas also has side benefits, such as a higher point value on travel and dining. And, in some cases, a very competitive interest rate.
Find the card your wallet’s been missing by reading our well-researched list to find the best gas card for your needs.
Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.
This article was last updated October 11, 2019 but some terms and conditions may have changed or are no longer available. For the most accurate and up to date information please consult the terms and conditions found on the issuer website.
Application Process: Apply online or via the SpeedPay app and get a response within 60 seconds.
Rewards: Get 12¢ for two months then 6¢ off back for every gallon of gas you buy at Exxon/Mobil locations.
Bonus Offers: None.
Annual Fee: None.Details:ExxonMobil Smart Card »
Application Process: As with most credit cards, you can apply online. You also have the option to get an application from a BP gas station.
Rewards: Earn 25¢ off per gallon for every $100 you spend at BP, 15¢ for every $100 you spend for eligible groceries, dining and travel, and 5¢ for every $100 you spend everywhere else (excluding non-BP gas stations).
Bonus Offers: Earn 10¢ off per gallon for every $100 you spend everywhere Visa® credit cards are accepted for the first 90 days (excluding non-BP gas stations).
Annual Fee: None.Details:BP Visa Credit Card »
Application Process: You can apply online, at a participating U.S. Bank branch, or over the phone.
Rewards: Earn 3% cash-back rewards on qualifying purchases for gasoline, business supplies, and cellular purchases. Other purchases give you 1% cash back. You can redeem rewards as a MasterCard gift card, direct deposit in an active U.S. Bank account, or as a statement credit.
Bonus Offers: Earn $200 cash back after you spend $1,000 in eligible net purchases on a single card in the first 90 days.
Annual Fee: None.Details:U.S. Bank Business Edge™ Cash Rewards World EliteTM Mastercard® »
Application Process: Apply online with American Express and get a response within 60 seconds.
Rewards: Earn 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%), 3% back at U.S. gas stations and on transit services, and 1% back everywhere else.
Annual Fee: $95.Details:Blue Cash Preferred® Card from American Express »
Application Process: Apply online, and get a decision within 60 seconds or less.
Rewards: Earn 4% cash back on eligible gas for the first $7,000 per year, then 1% after that. Also earn 3% cash back on restaurants and eligible travel purchases, 2% back on all other purchases at Costco and Costco.com, and 1% back everywhere else.
Bonus Offers: None.
Annual Fee: $0.Details:Costco Anywhere Visa® Card by Citi »
This is a high earning cashback rewards card perfect for people who love dining out. Earn 3% at restaurants and 2% on groceries with no annual fee.Details:Capital One Savor Card »
Application Process: Apply online and get a response within 60 seconds.
Rewards: Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate; unlimited 1% cash back on all other purchases.
Bonus Offers: Score a $150 Bonus after you spend $500 on purchases during your first 3 months as a cardholder. Get $25 more when an authorized user makes their first purchase in the same 3 month period.
Annual fee: None.Details:Chase Freedom® »
There's a lot to love about the Chase Freedom Unlimited cash back credit card. It provides a high rewards rate with no nonsense in terms of rotating spending categories - just a flat 1.5% back on every purchase you make with the card. With responsible use, you won't have to pay a penny to use this card, as there's no annual fee.
As far as actually getting the cash back you've earned, there's no minimum required for redemption, and cash back earnings can be redeemed for any amount (unlike the Chase Freedom card, which requires a minimum $20). On top of that, there's a relatively small minimum spend required to earn the lucrative account opening bonus.
The Chase Freedom Unlimited card doesn't offer any specific bonus categories, due to its nature as a flat-rate cash back credit card. So those who know their high-spending categories (like groceries, for example) may want to opt instead for a cash back credit card that caters to their spending habits.
While going through this list, you'll also notice that it's not the highest flat-rate cash back card around. There's also a foreign transaction fee, so if you want a credit card specifically for international travel you should look into opening a credit card that caters specifically to travelers.
Application Process: Online, over the phone, or at a branch. Online is the easiest method, but it's nice to know that you have options!
Annual Fee: No annual fee! How's that for maximizing the money in your pocket? Balance transfer fees are $5 or 5% of the transferred amount (whichever is greater).
APR: 0% for the first 15 months, then a variable APR of 16.24% to 24.99%.
Rewards: You can redeem your rewards as cash back in the form of:
Or, you can also redeem rewards using the Chase Ultimate Rewards points. Ultimate Rewards points are worth 1 cent each and may be claimed through the Ultimate Rewards portal for:
Bonus Offers: Earn a $150 bonus after spending $500, within 3 months after opening a new account. Additionally, you can also earn $25 if you opt to add an authorized user of the card, and that person makes their first purchase within the 3 month period.Details:Chase Freedom Unlimited® »
Travelers will appreciate that there are no foreign transaction fees associated with this credit card. Everyone will appreciate that you don’t have to be purposeful to collect your rewards, as the Quicksilver Cash Rewards Card offers a flat, unlimited 1.5% cash back rate on all purchases.
If you’re new to the world of credit cards, this card might be your perfect match. But if you’re a little more of an experienced user, you can certainly find higher percent cash back credit cards for a small annual fee that will likely be more than justified. A related example? The Capital One Spark Cash for Business credit card. Additionally, you may be interested in using one of the best Capital One credit cards for balance transfers... until you find out that it comes with a 3% balance transfer fee.
Application Process: Apply online just as you would with the other best Capital One credit cards on this list.
Annual Fee: Absolutely no annual fees! Definitely a perk of this credit card.
Rewards and Redemption Options: It’s very simple: earn an unlimited flat rate of 1.5% cash back, which does not expire. You can redeem this cash back as a statement credit or cheque.
Bonus Offers: Just about anyone using this credit card will earn a $150 bonus after spending $500 on purchases within 3 months of account opening.Details:Capital One Quicksilver Cash Rewards Card »
Paying cash for gas can be a pain, especially if it’s raining or you’ve got small children you have to unload from the vehicle. We won’t even talk about the long lines that wrap through the store as people wait to pay for their candy bars and cups of coffee.
A gas credit card conveniently lets you skip the craziness inside and pay at the pump, but do you really need one? We’ve provided tons of essential info about gas credit cards below so you can make an informed choice. Let us know if we missed anything!
General Questions About Gas Credit Cards
A gas credit card is a piece of plastic imprinted with a 16-digit number that lets you access a predetermined line of credit for qualifyinAwQ#g purchases. Gas credit cards come in two formats: Branded and cobranded (we explain these terms in detail under “What is a branded gas credit card?” and “What is a cobranded gas credit card?”).
Gas credit cards focus primarily on gas-related perks, such as discounted gasoline or cash-back rewards for use at a specific gas station brand. You may also receive discounts on items inside the gas station, like hot dogs and soda.
It depends. Technically a gas credit card and a gas rebate card are not the same thing, but people often refer to a credit card for gas as a gas rebate card.
As with a credit card, a gas rebate card is a card that you present to a cashier or slide at the pump. However, a gas rebate card doesn’t have a line of credit. You slide it for a discount and/or use it to collect rewards, but you can’t use it as a substitute for cash.
A branded gas credit card is a card that’s only accepted at a specific gas station or chain of gas stations. For example, you can’t use a branded QuikTrip gas card at Mobil. You also can’t use a branded gas credit card at grocery stores, restaurants, or retailers that aren’t associated with the gas station that issued your card.
A cobranded gas credit card features two companies: The credit card company that issued your card, and the gas station brand that has partnered with the credit card company. Well-known credit card providers include Visa, MasterCard, and American Express.
The BP Visa Credit Card is an example of a cobranded gas credit card because it features BP and Visa. You can use this cobranded card - and other cobranded cards - just about anywhere, not just at a specific gas station. You don’t even have to buy gas; you can use a cobranded Visa card at any store that accepts Visa payments.
If you have a cobranded gas credit card, you can use it anywhere that accepts cards issued by your credit card provider. Review the question above titled “What is a cobranded gas credit card?” if you’re unsure.
You should also review your credit card agreement to see if certain goods and services are prohibited. For example, your card company may request that you avoid purchasing lottery tickets or visiting the casino with your credit card.
We think the Blue Cash Preferred Card from American Express is the best gas credit card overall. Some of you are reading this in confusion, wondering why we chose a general credit card as the best gas credit card. We’ll explain:
Many gas credit cards have low rewards and high interest rates, and they’re only accepted at a handful of gas stations. The Blue Cash Preferred Card from American Express actually offers a higher cash-back rate for gas purchases than any of the official gas credit cards we’ve researched. Crazy, right?
Here are some other gas credit cards we recommend:
You can learn more about all of these cards by scrolling to the top of the page. We’ve published a valuable article packed with info about the pros and cons of each one.
Selecting a Gas Credit Card
Review potential credit card agreements, talk to trusted friends and family members, and read detailed information from experts like our Faveable finance writers.
Consider your unique needs and preferences when you apply. If your mom loves QuikTrip but you prefer BP, you probably won’t like the same gas credit card. If you rarely drive, you might do better with a general credit card than a gas credit card. Another option is a cobranded gas credit card that lets you spend your credit line at places other than the gas station.
Your credit score also matters. There are very few gas credit cards you can get if you’re rebuilding your credit. We’ll talk more about this in the next paragraph.
We suggest applying for the Discover it Secured Credit Card if you’ve got bad credit. It’s actually a general credit card, not a gas credit card, but it still scored a spot on our list of the best gas credit cards. That’s because it offers awesome cash-back rewards for gas purchases (2%) plus cash back on other qualifying goods and services.
It’s a secured credit card, which means a self-funded deposit determines your credit limit. If you pay your bill on time for at least 8 months, Discover might bump you to an unsecured credit card.
Yes, you certainly can. However, it might not be the best idea.
We don’t have a cookie-cutter response regarding the number of credit cards you should have in general, but we don’t recommend getting more than 1 gas credit card. Gas credit cards often have high interest rates and low cash-back rewards. You generally have to visit a specific chain regularly to make your credit card a worthwhile addition to your wallet, and it’s hard to do that if you have multiple gas credit cards.
When you select a gas credit card, look for features like cash-back rewards, discounted fuel, and special deals on gas station snacks. You should also make sure the APR isn’t too high, as well as find out whether you can afford the monthly payment. You can usually find this information by viewing the terms and service document for the credit card you want.
If you use multiple gas stations, look for a cobranded card rather than a branded card. This gives you the freedom to fuel up wherever you please.
Probably not, even if you love the hot dogs and fountain soda at your favorite gas station. Gas station credit cards often offer rewards based on how much gasoline you buy. Some of them also run special promotions that let cardholders buy discounted gas. Neither of these benefits will help you much if you don’t drive very often. If that’s the case, you’ll probably do better with a general cash-back credit card rather than a gas credit card.
Applying for a Gas Credit Card
Some gas stations conveniently place credit card applications in stands near each gas pump. You can also go inside and request a paper application or apply online for the card you want.
Gas stations don’t issue gas credit cards, so you won’t receive the plastic card immediately. However, you can get a gas rebate card at some gas stations, but it’s not the same as a credit card. We explain the difference under the question titled “Is a gas credit card the same as a gas rebate card?”
Most large gas station chains, including QuikTrip and BP, have gas credit cards. You can also get gas station credit cards from ExxonMobil, Shell, and Marathon.
If you don’t see your favorite gas station listed here, it doesn’t mean they don’t have a card. Check with the gas station clerk next time you fuel up to find out if the company offers credit cards.
If you’re self-employed, you can apply for a regular gas station credit card and only use it for business-related expenses. This helps simplify your recordkeeping.
Another option is to look for a gas credit card geared toward businesses. We like the U.S. Bank Business Edge Cash Rewards World Elite MasterCard because you can request an unlimited number of employee cards and connect them to your line of credit. As an added bonus, each employee can earn rewards on the card you give them - and the rewards never expire!
Ugh. It can be frustrating to receive a message like this, but it doesn’t always mean that the company declined your card application. It just means the credit card provider needs more time to review your application.
When you apply for a credit card, a computer compares your provided information with multiple databases before deciding to approve or deny your application. If the computer can’t find some of the information it needs or has trouble determining whether you’re a responsible applicant, a human being reviews your application. This takes time, especially if a lot of applications require manual review. That’s why some online applications trigger the “We need more time to review your application” response.
Credit companies aren’t required to mail your card within a specific time frame, but many of them send cards within 7 to 10 business days. We’ve heard complaints from people who have waited 3 to 4 weeks for a card, but that’s not the norm.
The exception is if you applied for a secured credit card and didn’t pay your deposit in full. The company won’t issue your card until you pay the entire deposit, so send it in quickly if you can!
Info About Fees and Rewards
Gas credit cards contain the usual fees associated with credit cards, including:
Your credit card might not issue all of these fees, and it might require you to pay fees not listed above. You can find information about credit card fees in your cardholder agreement (that paper brochure that often arrives with a new credit card, we recommend you review it and keep it for your records).
Some companies charge a fee when you pay with a credit card, but your credit card provider does not request or control this fee. This fee is determined by merchants.
Sometimes, but most gas credit cards don’t have an annual fee. Annual fees are usually found on credit cards for bad credit because the card company takes a risk when it issues a card. They’re also associated with credit cards that have generous rewards, such as free hotel rooms and unlimited cash back. This helps ensure the credit card provider makes a decent profit without restricting your rewards.
Sometimes, if you use a gas credit card that offers rewards in the form of free gas. The BP Visa Credit Card lets you redeem cash-back rewards directly at the pump, making it a great option for anyone who wants free gas.
Even if you don’t get free gas, you might score a discount. Some gas stations offer lower gas prices for cardholders. Sometimes gas credit card companies also run promotions for cardholders.
That depends. Are you using a gas credit card that offers all customers the same APR? If so, that’s just the amount the company has decided to charge. You can potentially lower this amount by calling and talking to the credit card company, but wait until you’ve established a stable payment history with them before doing so.
If your gas credit card agreement says something like “APR determined by creditworthiness,” it means your credit score probably needs some TLC. If you’ve got bad credit or a recent history of late payments, a credit card company is less likely to offer you a favorable APR. That’s because it’s more risky for them to give you a card than it is for them to extend credit to a guy with a 780 FICO score.
Sometimes a high APR is temporary. If you’ve recently paid your bill late or gone over your credit limit, you might be stuck with a penalty APR for a while.
Depends on what you buy and how often you visit a gas station. Our favorite card is the Blue Cash Preferred Card from American Express even though it isn’t technically a gas credit card. It offers 3% cash back on gas purchases, plus 6% on qualifying groceries.
The BP Visa Credit Card rewards you with a $0.25 discount for each gallon of gas you buy after you spend at least $100 at participating gas stations. We love that you can redeem this reward at the pump rather than waiting for it to appear as a statement credit.
It’s a cinch to earn rewards with your gas credit card - all you have to do is buy stuff with it! Make sure you use your card for qualifying goods and services, such as fuel, gas station snacks, and other items inside of the gas station.
If you have a general credit card, you can potentially earn cash back for all qualifying purchases, not just gas-related expenses. For example, the Hilton HHonors Surpass Card from American Express gives you 6 points for every $1 you spend on gas, but you also earn points for booking hotel rooms.
Keep an eye out for bonus offers when you first get your card. Some card providers offer limited-time bonuses, such as extra cash back if you spend a certain amount during the first 90 days.
Redemption methods vary by card, but here are some common options we’ve seen:
The BP Visa Credit Card lets you redeem rewards directly at the pump, but we haven’t seen many cards that offer this awesome option.
Sometimes credit card rewards expire in a year or two, but that’s not always the case. We like that rewards never expire with the Blue Cash Preferred Card from American Express.
You can find out when the rewards expire for your credit card by reviewing your cardholder agreement or contacting the company. If you have an online portal where you sign in to pay your bill, you might also find info about rewards there.
Gas Card Use
No, unless your credit card specifically states that you can’t buy anything else. Branded cards are only good for gas and items sold inside of the gas station, like fountain soda or potato chips. Cobranded cards can be used for nearly everything, including items sold at grocery stores, restaurants, and retailers.
Pay for gas with a credit card by swiping your card at the pump unless the gas station has a different procedure in place. You’ll usually see a message that says “Please pay inside” if you can’t use your card at the pump. You may also notice that your card doesn’t work after dark; that’s because some gas stations shut down outdoor payments when it’s almost closing time.
If you have a prepaid debit card, you probably can’t pay at the pump. A prepaid debit card is not the same thing as a gas credit card, but some people get the two confused.
Yes, you can chow down on gas station goodies funded with your line of credit unless your card agreement specifies otherwise. You can also use your credit card for personal care items, such as toilet paper and razors, or stock up on diapers at the gas station.
A gas credit card can help build credit, but it can also help destroy it. Use your card responsibly if you want to build your credit score. Pay the bill on time each month, and don’t max it out. Try to keep your balance less than 30% of your available credit line. For example, you shouldn’t charge more than $150 if you have a credit card with a $500 limit.
Yes, as long as it’s okay with the credit card provider. Some companies require spouses to also meet the credit requirements established for their gas credit cards, but you might be able to add your loved one as an authorized user if he or she wants to repair a damaged credit score.
Yes, you can probably add your child to your credit card if they’re over the age of 18. Some credit card companies let you add younger teenagers to your card, but keep in mind you’re responsible for everything they buy with your line of credit.
If you don’t think your teen is ready for a credit card just yet, consider buying them gift cards for a local gas station instead.
Most credit card companies offer online payment options, but you generally have to create an account first. You can also pay your bill over the phone or mail in a check or money order.
When you pay your bill, you might have to pay with a checking account. Some companies accept payments from debit cards and other credit cards, but many of them don’t.
If you’re worried you’ll forget to pay your bill on time, find out if the credit card company offers an auto-payment program. After you enroll, the company automatically processes your monthly payment, usually with a checking account number that you’ve provided.
We generally recommend it (especially with the awful interest rates some gas credit cards have), but there are exceptions.
If you’re trying to build credit, you might feel better leaving a small balance on your card and paying it off over a period of 6 to 12 months. Whenever possible, make sure your balance doesn’t exceed 30% of your available credit limit.