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Best gas credit cards for August 2025

Updated June 27, 2025

Advertiser Disclosure: Bankrate’s editorial team chooses and recommends the credit cards on this page. While we may receive compensation when users apply for cards through this page, our recommendations and card ratings are produced independently without influence by advertising partnerships with issuers.

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Best overall

Bank of America® Customized Cash Rewards credit card

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4.4
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3.8
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Recommended credit score:670 - 850
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on Bank of America's secure site

Intro offer

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$200

Rewards rate

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1% - 6%

Annual fee

$0

Regular APR

18.24% - 28.24% Variable APR on purchases and balance transfers

Why you'll like this: You can earn superb cash back on gas and groceries, or exchange your gas category for one of five others once a month to suit your spending.

Best for crypto rewards

The Gemini Credit Card®

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4.1
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Recommended credit score:670 - 850
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on Gemini's secure site

See Rates & Fees

Intro offer

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$200 in bitcoin

Rewards Rate

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1% - 4%

Annual fee

$0

Regular APR

17.24% - 29.24% Variable

Why you'll like this: You’ll earn crypto rewards at one of the best rates you can get on gas purchases.

Apply with confidence

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Best for gas and groceries

Blue Cash Preferred® Card from American Express

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4.3
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4.4
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Recommended credit score:Good to Excellent
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on American Express's secure site

See Rates & Fees, Terms Apply

Intro offer

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Earn $250

Rewards rate

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1% - 6%

Annual fee

$0 intro annual fee for the first year, then $95.

APR

20.24%-29.24% Variable

Why you'll like this: Its chart-topping U.S. supermarket rewards rate and stellar return at U.S. gas stations and transit make this perhaps the leading card for grocery runs and commuting.

Best for low APR

Discover it® Chrome

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4.4
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4.6
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Recommended credit score:670 - 850
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on Discover's secure site

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Intro offer

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Cashback Match

Rewards rate

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1% - 2%

Annual fee

$0

Regular APR

18.24% - 27.24% Variable APR

Why you'll like this: Discover cards have some of the lowest rates and fees, making this one of the most cost-effective choices for year-round gas rewards.

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Best for no annual fee

Blue Cash Everyday® Card from American Express

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4.3
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4.6
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Recommended credit score:Good to Excellent
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Apply nowLock

on American Express's secure site

See Rates & Fees, Terms Apply

Intro offer

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Earn $200

Rewards rate

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1% - 3%

Annual fee

$0

APR

20.24%-29.24% Variable

Why you'll like this: The high cash back rates on U.S. gas station, U.S. supermarket and online retail purchases make this one of the most lucrative no-annual-fee cards.

Best for custom rewards

Citi Custom Cash® Card

Citi Custom Cash® Card

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4.4
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Bankrate review
Recommended credit score:670 - 850
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Intro offer

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$200

Rewards Rate

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1% - 5%

Annual fee

$0

Regular APR

18.24% - 28.24% (Variable)

Why you'll like this: You'll earn a top cash back rate for gas purchases without much effort or organization.

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Compare

Compare Bankrate's top gas credit cards

Card Name Earns Best for Bankrate Review Score
3 percent cash back on select category purchases of choice; 2 percent cash back at grocery stores and wholesale clubs (up to $2,500 of combined 3 and 2 percent category purchases each quarter, then 1 percent), plus 1 percent on all other purchases. For the first year earn  6 percent cash back in the eligible category of your choice on up to $2,500 in combined purchases per quarter, then unlimited 1 percent thereafter.

Flexibility + Best overall

3.8 / 5

(Read card review)
Apply now Lock Icon
on Bank of America's secure site
Earn 4 percent back as an eligible cryptocurrency on Gemini for gas purchases and EV charging (up to $200 spent per month, then 1 percent); 3 percent crypto back on dining purchases; 2 percent crypto back on groceries; and 1 percent crypto back on all other purchases
Crypto rewards

4.1 / 5

(Read card review)
Apply now Lock Icon
on Gemini's secure site

6 percent cash back on U.S. supermarket purchases (up to $6,000 per year, then 1 percent); 6 percent back on select U.S. streaming subscriptions; 3 percent back on U.S. gas station purchases; 3 percent cash back on transit; 1 percent back on all other purchases

Gas and groceries

4.4 / 5

(Read card review)
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on American Express's secure site
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2 percent cash back at gas stations and restaurants (on up to $1,000 in combined purchases each quarter, then 1 percent) and 1 percent on all other purchases

Low APR

4.6 / 5

(Read card review)
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on Discover's secure site

3 percent cash back at U.S. supermarkets, U.S. gas stations and U.S. online retail purchases on up to $6,000 per calendar year in purchases in each category (then 1 percent), and 1 percent cash back on other purchases

No annual fees

4.6 / 5

(Read card review)
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on American Express's secure site
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5 percent cash back (on up to $500 each billing cycle, then 1 percent) on your top eligible spending category each billing cycle, including gas stations
Custom rewards

5 percent cash back on gas (up to $6,000 per year, then 1 percent), 3 percent back on dining ($5,000 cash rewards maximum per year), and 1 percent cash back on all other eligible purchases.

Wholesale clubs

Researching the best gas credit cards

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150+
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50+
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1800
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perks evaluated

We thoroughly rate and research the best gas cards based on key criteria to help you make confident decisions when choosing your next credit card. Learn more about our methodology below.

What is a gas credit card?

There isn’t specifically a type of credit card known as a “gas card." Instead, there’s various rewards credit cards that offer cash back, points or miles for gas purchases.

 These cards may feature rotating, tiered or customizable rewards categories that include gas stations and electric vehicle (EV) charging stations. Some popular everyday spending cards, such as some of the best grocery cards, also offer rewards on gas. Additionally, co-branded cards— like from Costco — offer specific cash back rates for gas purchases. And while not exclusive to gas, certain travel cards can also include gas as a bonus category or allow you to choose it as a preferred rewards category, making them a strong choice for fuel-related spending.

You should try to find a rewards card that offers more than 1X points or 1 percent back on gas purchases. The right card for you will fit seamlessly into your rewards strategy without you overthinking your choices.

Why you should use a credit card for gas

You should use a credit card for gas because they offer several benefits, including welcome bonuses, rewards at gas and EV charging stations and other introductory offers. Like other rewards cards, they can help you offset travel expenses or your ongoing commuting costs. Some gas credit cards also feature perks like roadside assistance or car rental insurance, which can be beneficial if you’re regularly on the road.

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Bankrate Insight

The average American spends $2,449 per year on gasoline, other fuels and motor oil, according to the Bureau of Labor Statistics' most recent Consumer Expenditures Report. Charged on a credit card that earns 3 percent cash back on gas, those expenses would earn you $73.47 back per year.

Gas credit card features to look for

Gas will rarely be the focus of any credit card, but it remains a valuable category to consider in your overall rewards strategy, since commuting can be costly and the price of gas is an important factor for long-haul and local travel expenses.

The makings of a great gas credit card are simple:

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Flexibility

If you’re like most people, you may experience seasons when you travel frequently and others when you don't. A great gas card will help you remain flexible with your rewards earnings by including other popular spending categories.

 

Best example: Blue Cash Everyday® Card from American Express

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Rewards

A great gas card will reward you generously for gas purchases. Any rewards rate above 3 percent is worthy of being considered great. If it’s below this, you should consider looking at our options above.

 

Best example: Citi Custom Cash® Card

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Low fees

Based on average annual consumer spending, gas is not a substantial enough category to justify paying an annual fee for a card dedicated to earning gas rewards. You’ll also want to avoid other potential fees, like a high APR and high late payment fees.

 

Best example: Discover it® Chrome

Gas prices today: What you're paying and how credit cards can ease the burden

There is a lot of economic uncertainty today, so it isn’t unreasonable to want to fill your car’s gas tank as cheaply as possible, but that’s not realistic, sometimes. However, you can take measures to make sure you're recouping part of your expenses.

It’s your responsibility to protect your savings, and the first step is to work with the right information. Is gas expensive today, or are you comparing its cost to what it might have cost 30 years ago? The U.S. Energy Information Administration publishes the cost of petroleum and other liquids along with the average retail price of gas for each month. With data dating back to 1993, we can see how much a gallon of gas costs today compared to its historical value. The average price of a gallon of gas in May 2025 was about $3.28. In May 2024, the price was approximately $3.73.

Although the price fluctuates often, gas remains a viable spending category for earning rewards. If you still consider it a small category in your everyday spending, try estimating how much gas you use in one month and multiply it by the average cost of a gallon. From there, multiply that by your card's rewards or cash back rate to estimate how much you can earn with a gas card.

Credit cards with gas rewards programs are a great way to do just that. Fortunately, several rewards credit cards include boosted rates for gas purchases and many of them are some of the best rewards cards available.

Ask Bankrate: What is your favorite credit card to use for gas?

Some of the most lucrative rewards cards for gas purchases are often tiered, category-based cards that also cover common daily spending categories like grocery or online retail purchases. We’ve asked our experts which credit card they use to earn rewards on gas and how they maximize their earnings on these purchases.

Bankrate staff insights

I use the Blue Cash Everyday® Card from American Express for gas at least nine months out of the year. It offers a solid gas rewards rate, plus rewards in other key categories like U.S. online retail purchases. If the Chase Freedom Flex® is offering gas stations as a bonus cash back category one quarter (which it often does), I’ll use that card instead.

There are plenty of cards out there that offer higher gas rewards rates, but I’ve found gas isn’t a huge spending category for me these days — especially since I started working remotely. While I can get a higher gas rewards rate with a dedicated gas card, I just don't spend enough in that category to add yet another card to my wallet. I’m fine trading a bit of rewards potential for the ease of sticking with cards I already keep for other categories.

Nouri Zarrugh Nouri Zarrugh, Senior Editor, Bankrate

I spend roughly $50 each month on gas, so I never set out to open a credit card solely for gas purchases. But of my three cards, two have boosted rewards for gas purchases and I use one at the pumps because it earns a very generous rewards rate. I know I won’t earn a lot of cash back from my gas purchases, but I’m satisfied knowing I’m doing everything I can to maximize rewards in that area of my spending. Every bit adds up.

Brendan Dyer Brendan Dyer, Writer, Bankrate

How to earn the most gas rewards

You’ll want to make sure you’re a good candidate for a gas rewards card before applying for one. It might be more helpful to use a card with gas as a secondary rewards category. No matter what you decide, here are some tips for maximizing rewards for gas and EV charging.

  • Determine where gas fits into your budget: Gas credit cards are best for people who spend a significant amount at the pump. People who work from home or don’t drive often might not find much value in earning cash back on gas station purchases.
  • Check what counts as gas: Read the fine print on the card’s gas category to make sure that you can earn on all gas station purchases everywhere — and not just those made at the pump. While you may spend the most when filling the tank, make sure you also get cash back when you run in to grab a snack.
  • Offset annual fees: While many gas cards don’t charge an annual fee, a few do. Cards with annual fees typically offer better perks and benefits, but no-annual-fee cards are more accessible.

What type of spender are you? Our Credit Card Spender Type Tool gives you personalized 

More information on gas credit cards

Frequently asked questions about gas credit cards

How we choose the best gas credit cards

We select cards for “Best” credit cards pages based primarily on how cards score in our proprietary card rating system, our editors’ subjective assessment of card quality, card approval odds and credit requirements and unique card features. 

Cards typically must score a minimum of 3.0 stars to be included on a “Best” list. However, we may include cards with scores below 3.0 if they have low credit requirements or unique features — despite their scores, these cards may still be among the “best” in certain categories. Card ratings are not influenced by advertisers or issuer relationships in any way. 

Card selection and ordering may vary based on business considerations, including Bankrate visitor interest, site interactions and card application volume. Affiliate commissions (see how we make money), limited-time offers and a card’s general popularity in the product landscape may also influence which cards we feature on our pages and the order in which they appear. Bankrate’s editorial and business teams also strive to feature a variety of card types from various issuers.

Here’s a quick look at how our rating methodology breaks down for gas cards:

How we rate rewards cards

Our rating methodology for gas cards focuses heavily on rewards value — what kind of return we’d expect based on the average person’s spending and a card’s added bonuses and annual fee.

Here’s how overall scoring breaks down for rewards and cash back cards.

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  • Value 65.00%
  • Flexibility 15.00%
  • Perks 15.00%
  • Customer experience 5.00%