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Best Gas Credit Cards in January 2025

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Updated on:
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Winner

Citi Custom Cash<sup>®</sup> Card

Citi Custom Cash® Card

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on Citibank's secure site
Rates & Fees

The Citi Custom Cash® Card is our pick for best gas credit card, as it offers one of the highest rewards rates on gas around. We recommend using it as a dedicated gas card.

Key takeaways

  • With 5% cash back on up to $500 in gas purchases each billing period (if gas is your highest spending category), the Citi Custom Cash® Card may offer the best gas savings for most cardholders.
  • There are two main types of gas cards: cards that offer a gas discount and cards that offer rewards on gas station purchases.
  • If gas costs more than $3.50 per gallon for you, a rewards card may save you more than a gas discount card.

9 Best Credit Cards for Gas

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Overall winner

Citi Custom Cash® Card

Citi Custom Cash<sup>®</sup> Card Citi Custom Cash<sup>®</sup> Card
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.4
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on Citibank's secure site
Rates & Fees

Earning rate on gas: Up to 5% cash back
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.
Annual Fee$0
Rewards Rate1% - 5% cash back
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
  • Earn unlimited 1% cash back on all other purchases.
  • Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026
Welcome Offer$200 cash back
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Generous cash back rate on gas purchases
  • $0 annual fee
  • Easy-to-earn sign-up bonus
  • Intro APR offer
  • Highest cash back rate capped at $500 per month
  • Charges foreign transaction fees
  • Low earnings on almost all other spending

If you spend a large amount on gas and are looking for a dedicated card for gas purchases, you’ll find few cards on the market more rewarding than the Citi Custom Cash® Card. You can earn a generous cash back rate in your top spending category each month (on the first $500) from a list of eligible categories, including gas.

  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.24% - 28.24%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash® Card account per person.

Best credit card for gas and groceries

Blue Cash Preferred® Card from American Express*

Blue Cash Preferred<sup>®</sup> Card from American Express Blue Cash Preferred<sup>®</sup> Card from American Express
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.6
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Earning rate on gas: 3% cash back* at U.S. gas stations
Earn 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 and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. Terms apply.
Annual Fee$0 intro annual fee for the first year, then $95.
Rewards Rate1% - 6% cash back
  • Earn 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
  • Earn 6% Cash Back on select U.S. streaming subscriptions
  • Earn 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more)
  • Earn 1% Cash Back on other purchases.
  • Terms apply.
Welcome Offer$250 statement credit
Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Excellent earning rate on U.S. supermarkets and U.S. gas stations
  • Solid welcome offer
  • Useful monthly and annual credits
  • Car rental insurance
  • $0 intro annual fee for the first year, then $95.
  • Earning rate at U.S. supermarkets limited to $6,000 per year
  • Foreign transaction fee

The Blue Cash Preferred® Card from American Express earns 3% cash back* at U.S. gas stations and on public transit, while also earning one of the highest rates of cash back* around for U.S. supermarket purchases. If you’re looking for the best credit card for ground transportation and groceries, the Blue Cash Preferred® Card from American Express is the way to go.

  • Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 18.24% - 29.24%.
  • 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 (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
  • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.
*The information related to the Blue Cash Preferred® Card from American Express has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best small business gas card

Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card*

Bank of America<sup>®</sup> Business Advantage Customized Cash Rewards Mastercard<sup>®</sup> credit card Bank of America<sup>®</sup> Business Advantage Customized Cash Rewards Mastercard<sup>®</sup> credit card
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

3.2
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Earning rate on gas: Up to 3% cash back
Earn 3% cash back in the category of your choice (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter) and 1% cash back on all other purchases
Annual Fee$0
Rewards Rate1% - 3% cash back
  • Earn 3% cash back in the category of your choice (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter)
  • Earn 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter)
  • Earn 1% cash back on all other purchases
Welcome Offer$300 statement credit
Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
720-850
Excellent
Get Your Free Credit Score
  • ​​Earn a solid welcome bonus
  • Flexibility to earn cash back in your preferred category
  • $0 annual fee
  • Qualifying Bank of America customers can earn up to 75% more rewards
  • Highest cash back rates capped at $50,000 spend per year
  • Have to manually change your bonus category if you want to update it
  • Charges foreign transaction fees

The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card is our choice for best business gas credit card — it offers small business owners flexibility and the option to earn 3% cash back on gas. You can select one category to earn the highest cash back rate each month (up to the yearly maximum), and you can change it once a month.

  • Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
  • Earn 3% cash back in the category of your choice: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases. 
  • You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter. 
  • You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases. 
  • No annual fee 
  • Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire. 
  • To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same. 
  • 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 17.49% - 27.49% Variable APR will apply. 
  • Contactless Cards - The security of a chip card, with the convenience of a tap. 
  • This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
*The information related to the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best credit card for gas and restaurants

PNC Cash Rewards® Visa® Credit Card*

PNC Cash Rewards® Visa® Credit Card PNC Cash Rewards® Visa® Credit Card
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

3.7
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Earning rate on gas: Up to 4% cash back
Earn 2% on grocery store purchases, 3% on dining purchases at restaurants and 4% on gas station purchases for the first $8,000 in combined purchases in these categories annually. 1% cash back on purchases everywhere, every time.
Annual Fee$0
Rewards Rate1% - 4% cash back
  • Earn 2% on grocery store purchases, 3% on dining purchases at restaurants and 4% on gas station purchases for the first $8,000 in combined purchases in these categories annually
  • Earn 1% cash back on purchases everywhere, every time.
Welcome Offer$200 cash back
$200 bonus after you make $1,000 or more in purchases during the first three months
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
N/A
Get Your Free Credit Score
  • Earn a solid welcome bonus
  • Excellent elevated rewards categories
  • $0 annual fee
  • Cap on highest earning rate each year
  • Foreign transaction fee
  • Limited purchase or travel protections

If you’re a frequent spender at gas stations and restaurants, you should consider the PNC Cash Rewards® Visa® Credit Card. In addition to offering an excellent rewards rate on these two categories, this $0-annual-fee credit card offers cash back at grocery stores and on all other purchases.

  • $200 after you make $1,000 or more in purchases during the first three billing cycles
  • You’ll earn at least 1% cash back on purchases everywhere, every time. Earn 2% on grocery store purchases, 3% on dining purchases at restaurants and 4% on gas station purchases for the first $8,000 in combined purchases in these categories annually.
  • Cash back is automatic – there’s no need to enroll or track rotating categories
  • 0% intro APR on balance transfers for the first 15 billing cycles following account opening when the balance is transferred within the first 90 days following account opening. Then a variable APR, currently 19.49% to 29.49% Variable based on credit worthiness.
  • No annual fee.
*The information related to the PNC Cash Rewards® Visa® Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best gas card for bad credit

Bank of America® Customized Cash Rewards Secured Credit Card*

Bank of America® Customized Cash Rewards Secured Credit Card Bank of America® Customized Cash Rewards Secured Credit Card
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

2.6
Review Coming Soon

Earning rate on gas: 3% cash back
Earn 3% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter.
Annual Fee$0
Rewards Rate1% - 3% cash back
  • Earn 3% cash back in a category of your choice each month
  • Earn 2% cash back at grocery stores and wholesale clubs
  • Earn 1% cash back on all other purchases
Welcome OfferN/A
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
300-600
Limited / Poor
Get Your Free Credit Score
  • Earn cash back in the category of your choice
  • Recommended credit is less than other gas cards
  • Automatic account reviews for upgrade to an unsecured card
  • $0 annual fee
  • Requires an initial security deposit
  • Highest cash back rates limited to the first $2,500 in spending each quarter
  • You have to manually change your elevated earning category if you want to update it

If you’re looking for cash back rewards on gas but have less-than-ideal credit, the Bank of America® Customized Cash Rewards Secured Credit Card is one of the most rewarding gas credit cards available. Our pick for the best gas credit card for bad credit offers flexibility and regular account reviews to determine if you qualify to get your deposit back.

  • Earn 3% cash back in a category of your choice each month
  • Secure a credit limit up to $5,000
  • Periodic account reviews to have your security deposit refunded
  • Free monthly FICO® Score
*The information related to the Bank of America® Customized Cash Rewards Secured Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best gas discount card

BPme Rewards Visa Signature® Card*

BPme Rewards Visa Signature® Card BPme Rewards Visa Signature® Card
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

3.3
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Earning rate on gas: Up to 15¢ off per gallon
15¢ off per gallon on fuel purchases at participating BP and Amoco stations. Earn 5% cash back on non-fuel BP and Amoco purchases, 3% cash back on grocery store and dining purchases and 1% cash back on other purchases.
Annual Fee$0
Rewards Rate15¢ off per gallon + 1% - 5% cash back
  • Get 15¢ off per gallon on fuel purchases at participating BP and Amoco stations.
  • Earn 5% cash back on non-fuel BP and Amoco purchases
  • Earn 3% cash back on grocery store and dining purchases
  • Earn 1% cash back on other purchases
Welcome Offer30 cents off per gallon
30¢ off per gallon on BP and Amoco fuel purchases in the first 60 days after account opening.
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
N/A
Get Your Free Credit Score
  • Discount on gas purchases
  • Gas discount doubled for first 60 days after opening account
  • Earn accelerated cash back rate on groceries and dining
  • $0 annual fee
  • Limited elevated rewards categories
  • 3% foreign transaction fee
  • No rewards or discounts for non-BP fuel purchases
  • Cash back redeemable in set denominations starting at $25

The BPme Rewards Visa Signature® Card offers one of the best discounts on gas: You’ll get 15 cents per gallon off all fuel purchases at BP. Plus, you can also earn cash back on groceries, dining and nonfuel BP purchases.

  • Introductory offer: Earn 30¢ off per gallon on bp and Amoco fuel purchases in the first 60 days after account opening
  • Use your card anywhere Visa is accepted
  • No annual fee
  • Visa benefits, including roadside dispatch and zero liability
*The information related to the BPme Rewards Visa Signature® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best hotel credit card for gas

Hilton Honors American Express Surpass® Card*

Hilton Honors American Express Surpass<sup>®</sup> Card Hilton Honors American Express Surpass<sup>®</sup> Card
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.2
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Earning rate on gas: 6X points at U.S. gas stations
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio. Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations. Earn 4X Points for each dollar on U.S. Online Retail Purchases. Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Annual Fee$150
Rewards Rate3X - 12X points
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio.
  • Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 4X Points for each dollar on U.S. Online Retail Purchases.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Welcome Offer130,000 points
Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership.
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Large welcome offer
  • Rewards at U.S. gas stations, U.S. restaurants and U.S. supermarkets
  • Complimentary Hilton Gold elite status (enrollment required)
  • Can only use rewards for stays at Hilton hotels
  • No free anniversary night unless you spend $15,000 in a calendar year
  • $150 annual fee

The Hilton Honors American Express Surpass® Card is our pick for best hotel credit card for gas because it earns a high rate of rewards at U.S. gas stations in the form of Hilton Honors hotel points. If you’re a frequent Hilton guest who loves to drive, you’ll enjoy earning travel rewards that you can turn into free nights.

  • Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership.
  • Get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Surpass® Card. That's up to $200 in statement credits annually.
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
  • Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • Earn 4X Points for each dollar on U.S. Online Retail Purchases.
  • Earn 3X Points for all other eligible purchases on your Card.
  • Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
  • Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors American Express Surpass® Card.
  • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors™ Diamond Status through the end of the next calendar year.
  • As a Hilton Honors American Express Surpass® Card Member, you can enroll to receive complimentary National Car Rental® Emerald Club Executive® status through the link on your American Express online account. After you're enrolled, you can reserve a rental car by calling National Car Rental directly, using your travel service, or by booking online or through the National Car Rental mobile app. Terms apply.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • $150 annual fee.
  • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.
*The information related to the Hilton Honors American Express Surpass® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best travel rewards card for gas

Citi Strata Premier℠ Card

Citi Strata Premier<sup>℠</sup> Card Citi Strata Premier<sup>℠</sup> Card
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.6
apply-now-icon Apply Now
on Citibank's secure site
Rates & Fees

Earning rate on gas: 3X points
10x on Hotels, Car Rentals, and Attractions booked through CitiTravel.com. Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases. Earn 3 Points per $1 spent on Restaurants. Earn 3 Points per $1 spent on Supermarkets. Earn 3 Points per $1 spent on Gas and EV Charging Stations. Earn 1 Point per $1 spent on All Other Purchases $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking. Travel insurance protection: Trip Cancellation and Trip Interruption (Common Carrier), Trip Delay, Lost or Damaged Luggage, MasterRental Coverage (Car Rental).
Annual Fee$95
Rewards Rate1X - 10X points
  • Earn 10x on Hotels, Car Rentals, and Attractions booked through CitiTravel.com. Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases.
  • Earn 3 Points per $1 spent on Restaurants.
  • Earn 3 Points per $1 spent on Supermarkets.
  • Earn 3 Points per $1 spent on Gas and EV Charging Stations.
  • Earn 1 Point per $1 spent on All Other Purchases
  • Earn a $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
  • Travel insurance protection: Trip Cancellation and Trip Interruption (Common Carrier), Trip Delay, Lost or Damaged Luggage, MasterRental Coverage (Car Rental).
Welcome Offer75,000 points
For a limited time, earn 75,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com.
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Earn an outstanding welcome bonus
  • Flexibility in redeeming rewards
  • Impressive array of elevated rewards categories
  • 0% foreign transaction fee
  • Limited travel insurance or purchase protections
  • No introductory 0% APR offer
  • $95 annual fee

The Citi Strata Premier℠ Card is an outstanding travel rewards credit card with more high-earning categories than many other cards on the market. You can earn ThankYou® Points at gas stations and supermarkets and for air travel, dining and hotel stays. You can then transfer these points to Citi’s travel partners for maximum value, or redeem them for cash, gift cards and more.

  • For a limited time, earn 75,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com.
  • Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
  • Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
  • Earn 1 Point per $1 spent on all other purchases.
  • $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases

Best Costco gas credit card

Costco Anywhere Visa® Card by Citi*

Costco Anywhere Visa<sup>®</sup> Card by Citi Costco Anywhere Visa<sup>®</sup> Card by Citi
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

2.2
Learn More

Earning rate on gas: 4% cash back

Get 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter. 3% cash back on restaurants and eligible travel purchases. 2% cash back on all other purchases from Costco and Costco.com. 1% cash back on all other purchases.

Annual Fee$0
Rewards Rate1% - 4% cash back
  • Earn 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter.
  • Earn 3% cash back on restaurants and eligible travel purchases.
  • Earn 2% cash back on all other purchases from Costco and Costco.com.
  • Earn 1% cash back on all other purchases.
Welcome OfferN/A
Recommended Credit
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720-850
Excellent
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  • Excellent earning rates for gas, restaurants and Costco purchases
  • 0% foreign transaction fee
  • $0 annual fee
  • Requires a Costco membership
  • Highest cash back rate limited to the first $7,000 spent on gas per year
  • Can only redeem rewards once per year

Buying gas at Costco does require a Costco membership (either $65 or $130 annually), but gas at Costco is often cheaper than at surrounding stations. And if you’re filling up at Costco, you’ll want the Costco Anywhere Visa® Card by Citi.

Keep in mind that you’re required to be a Costco member to get the card, and there are strict limitations on rewards redemption. Costco cash rewards can only be redeemed for merchandise or cash back at U.S. Costco warehouses, are only distributed once a year (after your February billing statement closes) and must be redeemed by the end of that year.

  • Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
  • 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
  • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
*The information related to the Costco Anywhere Visa® Card by Citi has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
*Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

The information related to the Blue Cash Preferred® Card from American Express, Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card, PNC Cash Rewards® Visa® Credit Card, Bank of America® Customized Cash Rewards Secured Credit Card, BPme Rewards Visa Signature® Card, Hilton Honors American Express Surpass® Card, Costco Anywhere Visa® Card by Citi and Blue Cash Everyday® Card from American Express has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.

Allie Johnson

Allie Johnson is an award-winning personal finance writer with more than 10 years of experience covering credit cards, mortgages, personal loans and small business. She holds a degree in magazine journalism from Ohio University’s E.W. Scripps School of Journalism. She has written for a variety of finance publications, including CreditCards.com, LendingTree and MagnifyMoney.

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