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.
| Credit Cards | Our Ratings | Annual Fee | Rewards Rate | Welcome Offer | |
|---|---|---|---|---|---|
Citi Custom Cash® Card*
|
Best gas credit card
|
$0 | 1% - 5% cash back
| $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.
| |
Blue Cash Preferred® Card from American Express
|
Best credit card for gas and groceries
|
$0 intro annual fee for the first year, then $95. | 1% - 6% cash back
| $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.
| |
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card*
|
Best small business gas credit card
|
$0 | 1% - 3% cash back
| $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.
| |
PNC Cash Rewards® Visa® Credit Card*
|
Best credit card for gas and restaurnats
|
$0 | 1% - 4% cash back
| $200 cash back
$200 bonus after you make $1,000 or more in purchases during the first three months
| |
Bank of America® Customized Cash Rewards Secured Credit Card*
|
Best gas card for bad credit
|
$0 | 1% - 3% cash back
| N/A | |
BPme Rewards Visa Signature® Card*
|
Best gas discount card
|
$0 | 15¢ off per gallon + 1% - 5% cash back
| N/A | |
Hilton Honors American Express Surpass® Card
|
Best hotel credit card for gas
|
$0 intro annual fee for the first year, then $150 | 3X - 12X points
| 130,000 points
Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership.
| |
Citi Strata Premier® Card
 Apply Now
on Citibank's secure site Rates & Fees |
Best travel rewards card for gas
|
$95 | 1X - 10X points
| 60,000 points
Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
|
Apply Now
on Citibank's secure site Rates & Fees |
Costco Anywhere Visa® Card by Citi*
|
Best Costco gas credit card
|
$0 | 1% - 5% cash back
| N/A |
We selected the best gas cards through a review of cards available on LendingTree and from top issuers. The following factors influenced our top card picks:
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.Earning rate on gas: Up to 5% cash back
Full rewards rate details:
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.
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.Earning rate on gas: 3% cash back* at U.S. gas stations
Full rewards rate details:
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.
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.Earning rate on gas: Up to 3% cash back
Full rewards rate details:
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.
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.Earning rate on gas: Up to 4% cash back
Full rewards rate details:
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.
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.Earning rate on gas: 3% cash back
Full rewards rate details:
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.
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.Earning rate on gas: Up to 15¢ off per gallon
Full rewards rate details:
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.
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.
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.Earning rate on gas: 6X points at U.S. gas stations
Full rewards rate details:
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.
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. Apply Now
Earning rate on gas: 3X points
Full rewards rate details:
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.
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.Earning rate on gas: 4% – 5% cash back
Full rewards rate details:
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.
The price of gas may determine whether you can save more with a cash back credit card or a gas discount card. This table shows how a gas card with a flat 10-cent-per-gallon discount compares to a gas credit card with 3% cash back rewards. In this scenario, when gas prices reach $3.50 a gallon or more, the credit card will keep more money in your pocket.
| Gas card with a 10 cent discount | Credit card with 3% cash back | |
|---|---|---|
| $3 per gallon | $1.50 | $1.35 |
| $4 per gallon | $1.50 | $1.80 |
| $5 per gallon | $1.50 | $2.25 |
According to LendingTree data, the average U.S. gas price has recently ranged from as low as $3.08 in January 2025 to as high as $3.19 in June 2025.
Based on these averages, a cash back* card like the Blue Cash Everyday® Card from American Express may offer more savings on U.S. gas purchases than a gas station card for many Americans — especially for summer travel when gas prices are high.
Note from the chart below that where you reside in the U.S. will have a big impact on the equation. Residents of the most expensive states for gas will likely net the most savings with a cash back credit card.
| Rank | State | Avg. price per gallon | % difference from avg. U.S. gas price |
|---|---|---|---|
| 1 | California | $4.65 | 45.9% |
| 2 | Hawaii | $4.46 | 39.9% |
| 3 | Washington | $4.41 | 38.4% |
| 4 | Oregon | $4.02 | 26.1% |
| 5 | Nevada | $3.82 | 19.9% |
| 6 | Alaska | $3.68 | 15.5% |
| 7 | Illinois | $3.44 | 7.9% |
| 8 | Idaho | $3.37 | 5.7% |
| 9 | Pennsylvania | $3.33 | 4.5% |
| 10 | Utah | $3.32 | 4.2% |
| 11 | Arizona | $3.29 | 3.2% |
| 12 | Michigan | $3.27 | 2.6% |
| 13 | Montana | $3.23 | 1.3% |
| 14 | District of Columbia | $3.19 | 0.1% |
| 15 | Maryland | $3.18 | -0.2% |
| 16 | Wyoming | $3.16 | -0.8% |
| 16 | New York | $3.16 | -0.8% |
| 18 | Florida | $3.14 | -1.5% |
| 18 | Delaware | $3.14 | -1.5% |
| 20 | Indiana | $3.13 | -1.8% |
| 21 | Connecticut | $3.12 | -2.1% |
| 22 | Colorado | $3.11 | -2.4% |
| 23 | Minnesota | $3.10 | -2.7% |
| 23 | West Virginia | $3.10 | -2.7% |
| 25 | Vermont | $3.09 | -3.0% |
| 25 | New Jersey | $3.09 | -3.0% |
| 27 | Virginia | $3.08 | -3.4% |
| 28 | Iowa | $3.06 | -4.0% |
| 28 | Maine | $3.06 | -4.0% |
| 30 | Wisconsin | $3.04 | -4.6% |
| 31 | Massachusetts | $3.03 | -4.9% |
| 32 | South Dakota | $3.02 | -5.2% |
| 33 | Ohio | $3.01 | -5.6% |
| 33 | Rhode Island | $3.01 | -5.6% |
| 35 | Nebraska | $2.98 | -6.5% |
| 36 | New Hampshire | $2.97 | -6.8% |
| 37 | New Mexico | $2.94 | -7.8% |
| 38 | North Dakota | $2.93 | -8.1% |
| 39 | Georgia | $2.91 | -8.7% |
| 40 | Kansas | $2.89 | -9.3% |
| 41 | North Carolina | $2.86 | -10.3% |
| 41 | Kentucky | $2.86 | -10.3% |
| 41 | South Carolina | $2.86 | -10.3% |
| 44 | Missouri | $2.85 | -10.6% |
| 45 | Arkansas | $2.83 | -11.2% |
| 46 | Tennessee | $2.82 | -11.5% |
| 46 | Oklahoma | $2.82 | -11.5% |
| 48 | Alabama | $2.81 | -11.8% |
| 49 | Texas | $2.80 | -12.1% |
| 50 | Louisiana | $2.79 | -12.5% |
| 51 | Mississippi | $2.69 | -15.6% |
If you’re ready to get a gas card, here are a few steps to follow:
To use a credit card at the gas pump:
Warning: Gas stations are a favorite spot for “skimming” (a type of credit card fraud that involves placing a device on a credit card machine to steal your card number). To protect yourself, look for anti-tampering tape around the credit card reader — if the tape is broken, use a different pump and inform the gas station attendant.
SEE WHICH STATIONS YOU USE THE MOST
First, determine which gas stations you use most. If you’re loyal to one brand, you might want to consider a co-branded gas card. But if you use different gas stations or travel a lot, a general gas credit card may be a better fit.
Calculate the amount you spend on gas
Look at how many gallons your gas tank holds and how much it costs to fill up to determine whether a discount card (which typically offers a flat per-gallon discount) or a gas credit card (which typically offers a percentage of cash back) will save you more. If you have a 13-gallon tank that costs $50 to fill, a gas discount card that offers 10 cents off per gallon would save you $1.30 while a gas credit card that offers 3% cash back would put $1.50 back in your pocket at the pump.
DETERMINE REWARD EARNING PRIORITIES
The best credit cards offer rewards, and there are many types of cards — including cards that earn cash back, airline miles, hotel points and flexible points. Decide what kind of rewards you want to earn, and remember that a card with multiple elevated earning categories will allow you to earn on all purchases, while a gas discount card may work well as a secondary card used only for gas. Your decision might also be affected by how many credit cards you want to carry.
LOOK AT OTHER CARD BENEFITS
Many rewards credit cards also offer other perks or benefits that you might find useful. For example, a credit card that offers travel protection or primary rental car insurance might be something that would provide real value to you.
Yes, getting a gas credit card can help you build credit if you use it responsibly. Most credit card issuers report your account and payment history to the three major credit bureaus (Equifax, Experian and TransUnion), which can positively impact your credit — as long as you pay on time and keep your balance well below 30% of your credit limit.
The Bank of America® Customized Cash Rewards Secured Credit Card is our pick for easiest credit card to get for gas rewards, as it’s geared toward consumers with limited / poor credit. It requires you to put down a security deposit, which is one of the best ways to get a card with bad credit.
The best gas credit cards are likely to require good to excellent credit — typically considered to be a FICO Score of 670 to 850 — but some may accept fair credit, as low as 600. If you have no credit or poor credit, look into credit cards for beginners or secured cards.
To see rates & fees for American Express cards mentioned on this page, visit the links provided below:
The information related to the Citi Custom Cash® Card, 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 and Costco Anywhere Visa® Card by Citi has been independently 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.
