Compare Gas Credit Cards
WalletHub makes gas credit card comparison easy.
Gas credit cards can save you up to 5% on gas purchases at either a specific chain or any gas station, and many have $0 annual fees. There are a lot of choices on the ... show more
show lessGAS CREDIT CARD COMPARISON
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- $250 statement credit initial bonus offer
- Low intro APR on purchases and balance transfers
- High rewards rate
- Annual fee starting second year
- Above-average regular APR
- Foreign transaction fee
- $0 annual fee
- Good welcome bonus offer
- High rewards rate
- Spending caps on rewards
- Foreign transaction fee
- Balance transfer fee
- Rewards earned in the first year get doubled
- Up to 5% cash back
- No annual fee
- Low intro rates
- Potential for a very high regular APR
- Bonus reward categories rotate, require quarterly signup and limit earnings
- Balance transfer fee
- $0 annual fee
- High rewards rate
- 40,000 welcome bonus points
- No foreign transaction fee
- No intro APR on purchases
- No intro APR on balance transfers
- Requires good/excellent credit
- 20,000-point initial bonus
- 3 points / $1 spent in bonus categories
- $0 annual fee
- 0% for 12 months from account opening on purchases intro offer
- $600 in cell phone protection (subject to a $25 deductible)
- 19.24% - 29.24% Variable regular APR
- No balance transfer promotion
- Welcome offer: 70,000 Hilton Honors Bonus Points + a Free Night Reward
- 3 - 7 points per $1 spent
- $0 annual fee
- Automatic Silver status
- High APR
- Low-value points
- No annual or monthly fees & No fees for account opening
- Up to 2% cash back
- First-year rewards doubled
- Relatively low minimum deposit
- High regular APR
- High rewards rate
- Bonus rewards categories
- Qualify with bad credit
- Does not require security deposit
- High membership fees
- High regular APR
- Foreign fee
- 75,000 points initial bonus
- High rewards rate
- No foreign-transaction fees
- $95 annual fee
- No 0% intro rates
- High regular APR
- High rewards rate
- Bonus rewards categories
- Qualify with bad credit
- Does not require security deposit
- High membership fees
- High regular APR
- Foreign fee
Popular Gas Station Credit Cards in 2025
If you’d prefer not to pay an annual fee, the PenFed Platinum Rewards Visa Signature® Card is another great gas rewards credit card to consider. It gives 5 points per $1 spent on gas at any station and has a $0 annual fee. Plus, anyone can join Pentagon Federal Credit Union.
There are plenty of rewarding gas cards to choose from, though. And the table below will show you how the top offers compare in key categories.
Gas Credit Cards Comparison
| Credit Card | Categories | Gas Rewards |
| Blue Cash Preferred® Card from American Express | Winner | 3% cash back (U.S. gas stations) |
| Citi Strata Premier℠ Card | Travel | 3 points per $1 spent |
| Discover it® Secured Credit Card | Bad Credit | 2% cash back (on up to $1,000 in combined purchases at gas stations and restaurants each quarter, then 1%) |
| Costco Anywhere Visa® Card by Citi | Costco Members | Earn 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter. |
| PenFed Platinum Rewards Visa Signature® Card | Points at Any Station | 5 points per $1 spent |
| Ink Business Cash® Credit Card | Businesses | 2% cash back (on up to $25,000 in combined purchases at gas stations and restaurants each year, then 1%) |
For the full list of what our editors consider to be the most rewarding gas station cards on the market right now, check out our Best Gas Credit Cards page.
Learn More About Gas Credit Cards
Just like you have options at the pump when filling your car’s tank with gas, you have choices when it comes to how exactly you’re going to pay for that type of purchase. To help you make the right call, we’ll highlight the answers to some common questions people have about gas credit cards below.
Gas Credit Card Rewards
Gas credit cards offer rewards in the form of cash back, points, miles or discounts at the pump. It’s natural to seek out whichever card offers the most rewards on paper. But in reality, whether you’re looking for a gas credit card, an airline credit card, a hotel credit card or another type of rewards card, the offer with the highest rewards rate won’t necessarily be the most lucrative for you. For example, a card affiliated with a specific gas-station chain might offer the highest cash-back rate, but if it’s inconvenient for you to fill up there, the extra rewards won’t do you much good.
Gas Credit Card Credit score
The best gas rewards credit cards require good credit or excellent credit for approval. Applicants with a credit score of 700 or higher have the best chances of being approved for a good gas credit card.
Gas cards are available to people of all credit scores, however, so there is no specific minimum credit score required. But the lower your credit score is, the less likely you are to get a credit card with gas rewards. You might be limited to a gas-station card that provides convenience but few other perks.
Gas Credit Card Types
There are several types of gas credit cards to choose from. Some are affiliated with a particular gas-station chain and only give you bonus gas rewards when you fill up there. Others reward you the same at all stations.
Unless you already get gas from a single chain, or can easily begin doing so, we recommend a gas card that rewards you everywhere. If you have to drive out of your way to find a particular station, or if that station charges more than its neighbors, any extra rewards you might earn with a station-specific gas card won’t net you very much.
You can check your latest credit score for free on WalletHub.
About the Author
John S Kiernan
Gas Credit Cards FAQ
Comparing gas credit cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered. WalletHub independently collected information for some of the cards on this page.show more
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What are the best credit cards for gas purchases only? Reply
The Shell Gas Card is one of the best credit cards for gas purchases only. You can only use this card at Shell gas stations, and it has a $0 annual fee as well as excellent rewards on Shell purchases, including at least 10¢ / gallon off every time you get gas.
You can get a discount of 50¢ per gallon (up to 35 gallons) on your first 5 Shell fuel purchases made by 6/30/2025, savings of 10¢ per gallon (up to 20 gallons) each fill up after that, and 10% Shell rebates on $1,200 in non-fuel Shell purchases per year.
Some of the Best Credit Cards for Gas Purchases Only
- Best for Shell Purchases: Shell Gas CardLearn MoreLearn More
- Best for Shell Purchases: Shell Gas CardLearn MoreLearn Moreon issuer's website
- Best for Shell Purchases: Shell Gas CardLearn MoreLearn More
- Best for Sunoco Purchases: Sunoco Gas CardLearn MoreLearn More
- Best for Sunoco Purchases: Sunoco Gas CardLearn MoreLearn Moreon issuer's website
- Best for Sunoco Purchases: Sunoco Gas CardLearn MoreLearn More
- Best for CITGO Purchases: CITGO Gas CardLearn MoreLearn More
- Best for CITGO Purchases: CITGO Gas CardLearn MoreLearn Moreon issuer's website
- Best for CITGO Purchases: CITGO Gas CardLearn MoreLearn More
- Best for Chevron and Texaco Purchases: Chevron and Texaco Gas CardLearn MoreLearn More
- Best for Chevron and Texaco Purchases: Chevron and Texaco Gas CardLearn MoreLearn Moreon issuer's website
- Best for Chevron and Texaco Purchases: Chevron and Texaco Gas CardLearn MoreLearn More
- Best for ExxonMobil Purchases: ExxonMobil Gas CardLearn MoreLearn More
- Best for ExxonMobil Purchases: ExxonMobil Gas CardLearn MoreLearn Moreon issuer's website
- Best for ExxonMobil Purchases: ExxonMobil Gas CardLearn MoreLearn More
- Best for Shell Purchases:
- Best for Sunoco Purchases:
- Best for CITGO Purchases:
- Best for Chevron and Texaco Purchases:
- Best for ExxonMobil Purchases:
Gas station credit cards can only be used at the stations they’re affiliated with. But they’re still worth applying for if you frequently use a certain gas station, as you’ll generally receive discounts on fuel in exchange. Also, keep in mind that you can usually use these cards inside gas stations as well, so they are not exclusively for gas purchases. You just can’t use them anywhere else.
On the other hand, some of these specialized store credit cards have counterpart Visa or Mastercard credit cards that are accepted everywhere – not just at gas stations. Some of their applications will actually consider you for the Visa or Mastercard version first– such as the Chevron and Texaco Gas Card. So, be sure to read the fine print before you apply.
What are the best gas credit cards?
Gas credit cards can give you as much as 5% back on gas purchases, either at any gas station or at a specific chain, depending on the card. To point you in the right direction, we evaluated the gas credit cards in our database of 1,500+ credit card offers and selected the top gas cards using WalletHub's proprietary 100-point credit card rating system.
Before you buy gas with a gas credit card, check to see if the gas station charges extra for credit card purchases. Using your gas credit card is only worth it if the rewards you'll earn make up for or exceed the extra charge.
If you always purchase a certain brand of gas, your best bet is to get a card associated with that gas station. Otherwise, get a card that offers a solid rewards rate on all gas purchases no matter the brand, so that you can be flexible about where you fill up your tank.
WalletHub's best credit card picks and ratings are completely independent and not provided, commissioned, or endorsed by any issuer. In addition, our editors follow a strict editorial policy. Some offers may come from WalletHub's advertising partners. WalletHub independently collected information for some of the cards on this page.
What are the best easy approval gas credit cards? Reply
The best easy approval gas credit card is the Bank of America® Customized Cash Rewards Secured Credit Card. It’s relatively easy to get approved for this card even if you have bad credit, and you will enjoy a $0 annual fee as well as rewards that include 1 - 3% cash back on purchases. The highest rewards rate is eligible for gas purchases, and there are no restrictions on what gas stations are eligible for rewards, so it’s one of the most flexible options.
Best Easy...
Are gas credit cards worth it? Reply
Gas cards are worth it if you pay your balance in full every month, as they help you save money with rewards or discounts on fuel purchases and $0 fees. It makes sense to consider a gas credit card if you drive a lot or commute to work, especially if you always fill-up at one chain. Keep in mind that gas cards tend to have high APRs, but you can avoid this by paying your balance...
What credit score do you need for a gas card? Reply
You’ll need a 700 credit score or higher for most gas cards. This means at least good credit is required for approval. However, you can find good credit cards that earn high rewards from gas purchases for all types of credit.
Best Gas Cards by Credit Requirement
- Excellent Credit:
- Excellent Credit:
- Excellent Credit:
- Rates & FeesGood Credit:
- Rates & FeesGood Credit:
- Good Credit:
- Good Credit:
- Good Credit:
- Good Credit:
- Bad Credit:
- Bad Credit:
- Bad Credit:
- Excellent Credit:
- Good Credit:
- Good Credit:
- Bad Credit:
If you have fair credit, you may qualify for gas cards from specific stations such as the Phillips 66 Credit Card or the ExxonMobil Gas Card. These can only be...
What is the best gas card to build credit with? Reply
One of the best gas cards to build credit with is the Bank of America® Customized Cash Rewards Secured Credit Card. This card offers 3% cash back in a category of your choice, including gas. However, this is a secured credit card, so you’ll need to put down a deposit of at least $200. The card accepts applicants even with bad credit.
Best Gas Credit Cards for Building Credit
| Card | Best for |
| Bank of America® Customized Cash Rewards Secured Credit Card | Rebuilding Credit |
What are the best gas credit cards for bad credit? Reply
The best gas credit card for bad credit is the Bank of America® Customized Cash Rewards Secured Credit Card, which gives you 3% cash back in the category of your choice, and gas purchases are eligible. The card has a $0 annual fee, but you need to place a security deposit of at least $200 to open an account.
Gas credit cards for bad credit are hard to come by because fair credit or better is usually required. So, the best choice for you will depend on whether you’re willing...
Featured Credit Cards
Expert Opinions
- What types of people should consider applying for a gas rewards credit card?
- How much higher of a gas rewards earning rate do you think is needed to warrant committing to a particular gas station chain?
- Does it make sense to get a gas rewards credit card when gas prices are low?
M.B.A., Assistant Teaching Professor, Marketing, Austin E. Cofrin School Of Business, University of Wisconsin - Green Bay
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Ph.D., Associate Professor of Operations Management, Simmons University School of Management
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Ph.D., Instructional Specialist, Economics, School of Business, Economics Department-Montclair State University
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Adjunct Professor of Marketing, Fordham University, Gabelli School of Business and Founder of the Loyalty Advisors
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EdD, CFCS-HDFS, Associate Professor and Chair, Department of Family and Consumer Sciences, Morgan State University
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Ph.D., Ajay Menon Professor in Business, Associate Professor of Marketing, Affiliate and Steering Committee, CSU Data Science Research Institute, Colorado State University
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Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub, we try to list as many credit card offers as possible and currently have more than 1,500 offers, but we do not list all available offers or financial service companies.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best credit card picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any issuer, as our editors follow a strict editorial policy.
WalletHub is not a financial advisor. Our goal is to provide you with top-notch content, data, and tools. You are responsible for deciding what financial products and providers are best for your needs.
Irrespective of whether an institution or professional is a paid advertiser, the presence of information on WalletHub does not constitute a referral or endorsement of the institution or professional by us or vice versa.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
* The information about the following cards has been independently collected by WalletHub: Bank of America® Customized Cash Rewards Secured Credit Card, Chevron and Texaco Gas Card, ExxonMobil Gas Card, CITGO Gas Card, Shell Gas Card, Sunoco Gas Card, PenFed Platinum Rewards Visa Signature® Card, Shell Credit Card, U.S. Bank Altitude® Connect Visa Signature® Card, Citi Custom Cash® Card, Phillips 66 Credit Card, and Bank of America® Customized Cash Rewards credit card for Students.
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