Best Credit Cards for Gas to Maximize Your Savings

If you're a frequent driver, you know how quickly gas expenses can add up. The Citi Premier Card offers 3 points per dollar spent on gas, making it a great option for those who drive frequently.

The Chase Sapphire Preferred Card offers a 60,000-point bonus after spending $4,000 in the first 3 months, which can be redeemed for gas or other travel expenses.

Gas stations like Costco and Sam's Club offer discounted prices for members, but if you're not a member, you can still save money with the right credit card.

Many credit cards offer rewards on gas purchases, but some offer more than others.

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If you're looking for the best credit cards for gas, there are several options to consider. The Blue Cash Preferred Card from American Express is a top choice, offering a $630 first-year rewards bonus and 3% cash back on gas purchases.

The Citi Strata Premier℠ Card is another great option, earning 3x points per dollar spent at gas stations and offering a 75,000 point bonus after spending $4,000 in the first three months.

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The U.S. Bank Altitude Connect Visa Signature Card earns 4x points per dollar spent on gas purchases and travel, and offers a $30 credit for streaming purchases each year.

Here are some of the top credit cards for gas, categorized by their benefits:

If you're looking for a credit card that rewards you for buying gas, you've got a few excellent options to choose from. The Blue Cash Preferred Card from American Express is the top pick for gas rewards, with an annual fee of $95 and offering a whopping $630 in rewards in the first year.

The Hilton Honors American Express Card is ideal for road trips, with a $0 annual fee and offering $1,030 in rewards in the first year. This card is perfect for frequent travelers who want to earn rewards on their gas purchases.

If you're looking for a card with rotating categories, the Chase Freedom Flex is a great option, with a $0 annual fee and offering $560 in rewards in the first year.

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The Chase Freedom Flex is a great option for those looking to maximize their cash back earnings. It offers 5% cash back on up to $1,500 in specific category purchases every quarter.

You'll earn 5% cash back on gas stations during at least one quarter of the year, and also on travel purchases made through the Chase Ultimate Rewards portal. Additionally, you'll get 5% cash back on travel purchases made through the Chase Ultimate Rewards portal.

The card also offers 3% cash back at restaurants, on takeout and eligible deliveries, and at drugstores. All other purchases earn 1% cash back.

One of the best things about the Chase Freedom Flex is that it comes with no annual fee. However, there is a 3% foreign transaction fee. You can earn a one-time bonus of $200 after spending $500 on purchases in your first three months.

Here are the key benefits of the Chase Freedom Flex:

The Chase Freedom Flex is a great option for those who want to maximize their cash back earnings in certain quarters of the year.

The Citi Strata Premier℠ Card is a great option for those who spend a lot at the pump. You can earn 3x points per dollar spent at gas stations.

The card also offers a 75,000 point bonus after spending $4,000 in the first three months of card membership. This can be a great incentive for new cardholders.

The card has an annual fee of just $95, which is relatively low considering the benefits it offers. For example, you'll get a $100 annual hotel credit when you book it through the Citi ThankYou Travel Portal.

Citi ThankYou points are some of the most valuable transferrable credit card points you can earn.

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The Costco Anywhere Visa Card by Citi is a great option for those who spend a lot at the gas pump. It earns 4% cash back per dollar spent on up to $7,000 each calendar year at gas stations and EV charging purchases.

One of the best features of this card is its unlimited 3% cash back at restaurants and on travel, making it a great cashback option for travelers. You'll also earn 2% cash back on all purchases from Costco or Costco.com, and 1% back on all other purchases.

While the card doesn't technically have an annual fee, it requires that you hold a Costco membership. The cost of a Costco membership varies, with the Gold Star membership costing $60 each year and the Gold Star Executive membership costing $120 each year.

Executive members earn 2% back on up to $50,000 of spending each year, which can be combined with the 2% cashback earned from the Costco cashback credit card, for a total of 4% cash back.

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The ExxonMobil Smart Card+ is a great option for those who frequently fill up at Exxon or Mobil stations. It offers a sign-up bonus of 30 cents per gallon in discounts during the first two months of card membership, which can be combined with the 10 cents per gallon discount on regular gas and 12 cents per gallon discount on supreme fuel purchases.

This card also provides a gas discount for cardmembers, saving 12 cents per gallon on Supreme+ premium gas and 10 cents per gallon on other fuel types. Additionally, cardholders can earn 5% back on in-store purchases (except for lottery tickets, money orders, and gift cards) and car washes for the first $1,200 in non-fuel purchases each year.

The ExxonMobil Smart Card+ offers a range of benefits, including $0 fraud liability, but note that cardmember perks and spending cannot be combined with the Exxon Mobil Rewards+ program. This card is not a credit card and can only be used at Exxon and Mobil stations.

Here are some key details about the ExxonMobil Smart Card+:

The CITGO Rewards Card is a unique option for those who frequently fill up at Citgo stations. It offers a sign-up bonus of a 10 cent per gallon discount in fuel statement credits for the first three months of card membership.

This card has a gas discount for cardmembers, which is 5 cents per gallon in fuel statement credits. However, it's essential to note that this card can only be used at Citgo stations.

One of the benefits of the CITGO Rewards Card is $0 fraud liability, which provides added protection for cardmembers. You'll also get free authorized user cards, which can be convenient for family members or roommates.

Six months of promotional financing on purchases of $199 or more at auto merchants, excluding gas purchases, is another perk of this card. Keep in mind that this is not a traditional credit card, so it's limited in its usage.

Rotating categories can be a great way to earn rewards on your credit card, but it's essential to understand how they work. Some credit cards offer rotating categories that change quarterly or annually, and you can earn bonus rewards on purchases made in those categories.

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For example, a credit card might offer 5% cash back on gas purchases for one quarter, and then switch to 5% cash back on groceries for the next quarter. This can be a great way to maximize your rewards earnings if you can plan ahead and make purchases in the categories that offer the highest rewards.

The key is to keep track of the rotating categories and plan your purchases accordingly. Some credit cards may also offer alerts or reminders to help you stay on top of the changing categories.

The Discover it Cash Back credit card, for instance, offers 5% cash back on various categories that change each quarter, such as gas stations, grocery stores, and restaurants.

Co-Branded Cards are a great option for those who frequently fill up their tanks. This type of card is a partnership between a credit card issuer and a gas station chain, offering rewards specifically for fuel purchases.

Editorial Note: This content is not provided by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by the issuer.

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If you're looking for a credit card that offers rewards on gas purchases, consider a card with rotating categories that include gas.

Some credit cards offer 5% cash back on gas purchases during specific months of the year, such as the Discover it Cash Back card.

This type of card can be a great option if you have variable gas expenses throughout the year.

The Chase Freedom Unlimited card offers 3% cash back on gas purchases during the first year, and 1.5% cash back on all other purchases.

Rotating categories can help you maximize your rewards earnings by aligning with your spending habits.

The Citi Double Cash card offers 2% cash back on all purchases, including gas, but it doesn't have rotating categories like some other cards.

If you have a lot of gas expenses, a card with a sign-up bonus that can be redeemed for gas purchases might be a good option.

The Chase Sapphire Preferred card offers a 60,000-point bonus after spending $4,000 in the first 3 months, which can be redeemed for gas purchases.

To choose the best credit card for gas, consider the rewards structure. The Chase Freedom Unlimited card offers 3% cash back on gas purchases, making it a great option for frequent drivers.

Look for a card with a low or no foreign transaction fee, especially if you plan to travel abroad. The Bank of America Cash Rewards credit card has no foreign transaction fee, giving you more flexibility when traveling.

Consider the sign-up bonus, as it can be a significant perk. The Discover it Cash Back card offers a 2% cash back match at the end of the first year, which can be worth up to $250.

Before applying for a gas station credit card, consider the limitations of fuel discounts. They only apply at specific gas stations affiliated with your card.

The Citi Premier Card earns 3 ThankYou Points per dollar on fuel purchases worldwide, which can be more valuable than a 10 cents per gallon discount.

The math is simple: if you buy 20 gallons of gas at $5 per gallon, a 10 cents per gallon discount saves you $2, but the Citi Premier Card earns 300 points worth $5.40 in rewards.

The Citi Premier Card also offers a sign-up bonus of 60,000 ThankYou points after spending $4,000 in the first three months, which is higher than most gas station credit card welcome offers.

Consider enrolling in a gas station loyalty program, such as Walmart+, which offers a 10 cents per gallon discount at Exxon, Mobil, and Murphy's gas stations.

You can also use Amex Offers, Chase Offers, Citi Merchant Offers, and Capital One Offers to provide discounts or statement credits on your credit card.

Do the math to see what works best for your situation, and review the application rules of the issuing bank before applying for a new credit card.

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High gas prices are taking a toll on drivers, but there are ways to lessen the impact on your wallet. Opening a credit card from your preferred gas station can provide a discount at the pump or statement credits from fuel purchases.

These savings can add up, but it's essential to consider other factors when choosing the right way to pay at the pump. You'll only be able to use these cards with a particular fuel company.

Evaluating all your options is key to finding the best path forward. No two people have the same circumstances, so take the time to consider what will work best for you.