Until you primarily commute through public transit, likelihood is you have just lately stopped to gasoline up. Whether or not your complete was a few {dollars} otherwise you ended up paying triple digits to fill your tank, when you did not use a gasoline bank card, you are lacking out on incomes rewards.
At TPG, we’re all about maximizing spending wherever attainable, whether or not meaning maximizing the bonus classes on a cash-back card or transferring your rewards factors to leverage a killer switch bonus.
My family contains my accomplice, a every day commuter who drives 76 miles round-trip to and from work each weekday. That mileage provides up, which is why I added him as an approved consumer on my Costco Anyplace Visa® Card by Citi (see charges and costs).
Out of all of the playing cards I at present maintain, my Costco Anyplace Visa gives the best reward charge on this class — 5% money again on gasoline at Costco and 4% money again on different eligible gasoline and electrical automobile charging purchases for the primary $7,000 in mixed spend per yr, then 1% thereafter. Due to these charges, utilizing it to refill is a no brainer.
In reality, my February 2025 Costco reward certificates (for all of my 2024 spending) got here in at $226.73. A big portion of that spending fell into two predominant classes: Costco groceries and Costco and non-Costco gasoline fill-ups.
Whether or not you are a street warrior, an occasional driver or fall someplace within the center, this is why you want a gasoline bank card in your pockets — plus our high picks for one of the best gasoline playing cards.
One of the best gasoline bank cards
*The data for the Wyndham Rewards Earner Enterprise Card, the Wyndham Rewards Earner Plus Card and the U.S. Financial institution Altitude Join Visa Signature Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Evaluating one of the best gasoline bank cards
Listed here are TPG’s high suggestions for one of the best gasoline bank cards.
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| Card | Finest for | Welcome provide | Incomes charges | Annual payment |
|---|---|---|---|---|
| Blue Money Most well-liked Card from American Specific | Households | Earn $250 within the type of a press release credit score after spending $3,000 on eligible purchases inside the first six months of account opening. |
Money again is acquired within the type of Reward {Dollars} that may be redeemed as a press release credit score or at amazon.com checkout. |
$0 introductory annual payment for the primary yr, then $95 (see charges and costs) |
| Financial institution of America Personalized Money Rewards bank card | Personalized spending | Earn a $200 on-line money rewards bonus after spending $1,000 on purchases inside the first 90 days of account opening. |
|
$0 |
| Capital One Quicksilver Money Rewards Credit score Card | Straight-forward money again | Earn a $200 money bonus after spending $500 on purchases inside the first three months of account opening. |
|
$0 |
| Costco Anyplace Visa Card by Citi | Costco consumers | None |
|
$0, although a Costco membership is required to get this card |
| Chase Freedom Flex | Rotating classes | Earn a $200 bonus after spending $500 on purchases within the first three months of account opening. |
|
$0 |
| Chase Sapphire Most well-liked Card | Novices | Earn 60,000 factors after spending $4,000 on purchases within the first three months of account opening. |
|
$95 |
| Chase Freedom Limitless | Versatile money rewards | Earn a $250 bonus after spending $500 on purchases in your first three months of account opening |
|
$0 |
| Wyndham Rewards Earner Enterprise Card | Enterprise house owners loyal to Wyndham | Earn as much as 75,000 bonus factors: 50,000 factors after spending $4,000 on purchases and paying the annual payment in full inside 90 days of account opening and earn one other 25,000 factors after spending $12,000 on purchases inside 12 months of account opening |
|
$95 |
| Wyndham Rewards Earner Plus Card | Frequent Wyndham friends | Earn 45,000 bonus factors after spending $1,000 on purchases within the first 90days of account opening. |
|
$75 |
| U.S. Financial institution Altitude Join Visa Signature Card | No-annual-fee journey | Earn 20,000 bonus factors after spending $1,000 on internet purchases within the first 90 days of account opening. |
|
$0 |
Blue Money Most well-liked Card from American Specific
Welcome provide: Earn $250 money again after spending $3,000 on eligible purchases inside the first six months of account opening. Money again is acquired within the type of Reward {Dollars} that may be redeemed as a press release credit score or at amazon.com checkout.
Annual payment: $0 intro annual payment for the primary yr, then $95 (see charges and costs).
Standout advantages: The Blue Money Most well-liked is a incredible starter card for these simply moving into bank card rewards. It gives easy incomes and redeeming choices, however it’s additionally nice for the extra seasoned bank card veteran searching for to maximise their spending throughout a number of classes.
I’ve had this card for 11 years, and each single yr I’ve held it, it has greater than paid for itself due to the tons of of {dollars} I’ve earned in cash-back rewards. I am not an enormous Amazon shopper, however after I do have a few gadgets in my cart, I am going to put my Blue Money Most well-liked Reward {Dollars} towards these on-line purchases.
Normally, although, I redeem my money again for assertion credit, which offset a few of my spending on this card. In Might 2024, I reserved a non-public room at a Manhattan karaoke bar for a birthday celebration for round $300; greater than half that determine was coated by the money again I had earned on my Blue Money Most well-liked.
This card is good for many who prioritize incomes money again above different currencies, though take into account that redemption choices are restricted in comparison with different cash-back playing cards that allow you to pocket rewards by including them to a checking account or opting to obtain a examine to your rewards stability.
Although I’ve graduated to different playing cards that earn useful journey factors as an alternative of money again, I nonetheless have the Blue Money Most well-liked in my pockets for 2 predominant causes:
- The as much as $7 month-to-month Disney Bundle assertion credit score (as much as $84 again per calendar yr, topic to auto-renewal; enrollment required, and phrases apply)
- The three% cash-back charge on transit (paying for metered parking hurts a tiny bit much less after I’m incomes rewards on these fees)
Earlier than I made the Costco Anyplace Visa my major gasoline bank card, the Blue Money Most well-liked was my go-to due to incomes a good charge of three% money again at U.S. gasoline stations.
This, coupled with the crown jewel reward class on this card — 6% money again at U.S. supermarkets (on as much as $6,000 per yr, then 1%) — has earned the Blue Money Most well-liked a well-deserved spot in my pockets yr after yr for over a decade.
For extra particulars, see our full assessment of the Amex Blue Money Most well-liked.
Apply right here: Blue Money Most well-liked
Financial institution of America Personalized Money Rewards bank card
Welcome provide: Earn a $200 on-line money rewards bonus after spending $1,000 on purchases inside the first 90 days of account opening.
Annual payment: $0.
Standout advantages: The Financial institution of America Personalized Money card would not cost an annual payment, so you’ll be able to preserve it yr after yr with out worrying about that further expense. Every month you get to pick out which class you wish to earn 3% money again in from the next choices:
- Gasoline and EV charging stations
- On-line buying (which incorporates cable, streaming, web and cellphone service fees)
- Eating
- Journey
- Drugstores
- House enchancment/furnishings
Cardholders additionally earn 2% money again on grocery retailer and wholesale membership purchases (which is nice contemplating you normally have to get a wholesale membership cobranded card to earn rewards at these shops).
Each the two% and three% classes famous above are restricted to a $2,500 most every quarter — when you hit it, you may earn 1% money again on purchases.
When you’re prioritizing incomes money again and in search of flexibility — or in case your spending varies between a few totally different classes month to month — the Personalized Money Rewards is a good card so as to add to your pockets.
One other bonus? If you have already got a relationship with Financial institution of America, it’s possible you’ll qualify for the Financial institution of America Most well-liked Rewards® Program, which might internet you bonuses ranging between 25% and 75% relying on which tier you are in.
For instance, when you’re a Most well-liked Rewards Program member on the Gold tier (which nets you a 25% bonus), as an alternative of incomes 3% on gasoline purchases, you may earn 3.75% money again on every fill-up. Platinum tier members will get pleasure from a 50% bonus and earn 4.5% money again, whereas Platinum Honors, Diamond and Diamond Honors members will every obtain a 75% bonus for a complete of 5.25% money again.
For extra particulars, see our full assessment of the Financial institution of America Personalized Money Rewards card.
Apply right here: Financial institution of America Personalized Money Rewards
Capital One Quicksilver Money Rewards Credit score Card
Welcome provide: Earn a $200 money bonus after spending $500 on purchases inside the first three months of account opening.
Annual payment: $0.
Standout advantages: The Capital One Quicksilver Money Rewards is a stable card for the cash-back fan who sometimes travels however remains to be getting their footing below them on the subject of bank card rewards.
Although this card would not earn an elevated reward charge within the gasoline class, it does earn limitless 1.5% money again throughout all purchases. When you do not care to trace particular spend classes and need a (principally) flat-rate earner, the Quicksilver Money Rewards could also be match.
This card additionally provides you entry to Capital One Journey, the place you may earn a standout 5% money again on motels and rental automobiles booked with the Quicksilver Money Rewards card. Keep in mind how I stated that is additionally a good journey card? Cardholders get pleasure from no international transaction charges when utilizing their card overseas, which is good for a product that does not cost an annual payment.
Plus, there is no minimal redemption quantity, and you’ve got choices on the subject of redeeming your money again. You’ll be able to choose to obtain a press release credit score, examine or present card or use your reward stability on amazon.com purchases and thru PayPal.
Study extra: Capital One Quicksilver Money Rewards assessment
Costco Anyplace Visa Card by Citi
Welcome provide: None.
Annual payment: $0, although a Costco membership is required to get this card.
Standout advantages: Costco followers can simply profit from holding the Costco Anyplace Visa. In case you have a Costco membership, getting — and protecting — this card prices nothing due to its lack of an annual payment (see charges and costs). This card options stable gasoline incomes charges and even covers EV charging, making it versatile as nicely.
Costco Anyplace Visa Card holders can earn 5% cash-back rewards on gasoline at Costco and 4% money again on different eligible gasoline and EV charging purchases (as much as $7,000 in mixed spend per yr; then 1%). This implies you are incomes rewards each time you refill your tank or cost your EV, which is particularly helpful for households that use each varieties of autos.
One other perk of getting the open-loop Costco Anyplace Visa is which you can earn stable cash-back charges in different common classes, like 3% at eating places and on eligible journey purchases. Higher but, the journey charge might be stacked on high of the two% money again Govt members get with their premium membership for a mixed 5% money again on journey purchases. This extra 2% charge applies to the primary $50,000 spent every year at Costco, costco.com and Costco Journey however doesn’t apply to the gasoline class. Even so, you are still incomes between 4% and 5% on filling your tank or charging your EV.
Although I really like buying at Costco and being a Costco Anyplace Visa Card holder, and I personally do not thoughts ready a yr to get my reward certificates every February, I can see how this calendar could also be off-putting to some. When you want to earn your bank card rewards on a rolling month-to-month foundation, this card is probably not for you.
The excellent news is that there are many different playing cards to select from that earn elevated reward charges on gasoline purchases and provide reward entry extra ceaselessly.
For extra particulars, see our full assessment of the Costco Anyplace Visa.
Apply right here: Costco Anyplace Visa
Chase Freedom Flex
Welcome provide: Earn a $200 bonus after spending $500 on purchases within the first three months of account opening.
Annual payment: $0.
Standout advantages: The Freedom Flex is well among the best cash-back playing cards available on the market. It earns beneficiant charges in key spend classes, together with 5% money again in rotating bonus classes (on as much as $1,500 in mixed purchases every quarter you activate) and no less than 1% money again throughout all different purchases that do not match into any of its different reward classes.
Gasoline has been included as a bonus class one quarter per yr since TPG started monitoring the bonus classes for this card in 2014. Although these classes fluctuate, likelihood is that you can benefit from incomes 5% on gasoline bills three months out of the yr as a Freedom Flex cardholder.
The Freedom Flex makes it so that you simply’re incomes rewards each time you pay, regardless of the acquisition. This card additionally options some spectacular perks for a no-annual-fee card, equivalent to cellphone safety, buying protections and journey cancellation and interruption insurance coverage.
Whether or not you are getting gasoline on a cross-country street journey or simply filling up to your every day commute, you are incomes — at minimal — 1% money again every time you hit the pump. Plus, whenever you pair this card with one other Chase card that earns Final Rewards factors — just like the Chase Sapphire Most well-liked Card, the Chase Sapphire Reserve® or the Ink Enterprise Most well-liked® Credit score Card — you’ll be able to convert your money again to this useful level foreign money.
For extra particulars, see our full assessment of the Chase Freedom Flex.
Apply right here: Chase Freedom Flex
Chase Sapphire Most well-liked Card
Welcome provide: Earn 60,000 factors after spending $4,000 on purchases within the first three months of account opening.
Annual payment: $95.
Standout advantages: This card is a workers favourite at TPG due to stellar journey protections and stable incomes charges in common classes. The Sapphire Most well-liked can also be a wonderful card for many who are prepared so as to add one other card to their roster that earns useful transferable factors.
Gasoline will not be a selected bonus class on this card, however you’ll earn a flat charge of 1 level per greenback spent whenever you pay with this card on the pump. That will not sound like a lot, however each level you earn on this card is effective since Chase has numerous nice airline and resort switch companions — and there are sometimes a number of alternatives to benefit from switch bonuses all year long.
The Sapphire Most well-liked is a chameleon, incomes beneficiant reward charges throughout common spending classes, although it actually shines as a journey rewards card.
Cardholders earn 5 factors per greenback spent on journey booked through Chase Journey, plus an as much as $50 annual resort assertion credit score on motels booked by means of this portal. My accomplice has this card, and we be sure that to make use of this resort credit score yearly (which is straightforward to do for the reason that credit score is utilized routinely with out the necessity for activation).
Cardholders additionally get pleasure from 3 factors per greenback spent on eating, choose streaming companies and on-line groceries and a couple of factors per greenback spent on all different journey purchases.
As a result of this card would not cost international transaction charges, you may benefit from the beforehand talked about incomes charges all through the U.S. and overseas, making the Sapphire Most well-liked the proper journey companion.
For extra particulars, see our full assessment of the Chase Sapphire Most well-liked.
Apply right here: Chase Sapphire Most well-liked
Chase Freedom Limitless
Welcome provide: Earn a $250 bonus after spending $500 on purchases in your first three months of account opening.
Annual payment: $0.
Standout advantages: Chase Freedom Limitless cardholders will get pleasure from incomes no less than 1.5% money again throughout all purchases outdoors of the bonus classes featured on this card.
When you select this as your major gasoline rewards card, you additionally get pleasure from the next incomes charges:
- 5% money again on journey bought by means of Chase Journey
- 3% money again on drugstore purchases
- 3% money again on eating at eating places — together with takeout and eligible supply companies
A flat cash-back charge in all nonbonus classes means fueling up will routinely earn you 1.5% again on each greenback you spend, and since this card would not include an annual payment, getting and protecting it’s a internet constructive yr after yr assuming accountable card utilization.
This card is a good possibility for card novices and execs alike as a result of it helps fill in any gaps in your reward-earning technique.
Just like the Freedom Flex, the Freedom Limitless lets you switch your money rewards into Chase Final Rewards factors when you maintain one other Chase card just like the Sapphire Most well-liked, the Sapphire Reserve or the Ink Enterprise Most well-liked.
For extra particulars, see our full assessment of the Chase Freedom Limitless.
Apply right here: Chase Freedom Limitless
Wyndham Rewards Earner Enterprise Card
Welcome provide: Earn as much as 75,000 bonus factors: 50,000 factors after spending $4,000 on purchases and paying the annual payment in full inside 90 days of account opening and earn one other 25,000 factors after spending $12,000 on purchases inside 12 months of account opening.
Annual payment: $95.
Standout advantages: Along with being a stable earner on gasoline purchases — netting a beneficiant 8 factors per greenback spent — this card gives cardholders a reward stability enhance of 15,000 bonus factors every anniversary yr.
This product makes essentially the most sense for small-business house owners who’re additionally Wyndham loyalists, because it earns 8 factors per greenback spent on Lodges by Wyndham. Others are higher off with a normal rewards or journey card.
Along with a good welcome bonus of as much as 75,000 factors, cardholders can maximize their enterprise bills by incomes 5 factors per greenback spent on advertising and marketing, promoting and utilities.
The cherries on high are the automated Diamond elite standing that confers perks like suite upgrades and a welcome amenity at check-in, the power to get complimentary worker playing cards for simpler expense monitoring and the absence of international transaction charges — ultimate for the enterprise traveler.
The data for the Wyndham Rewards Earner Enterprise Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Associated: decide a technique to your small-business bank cards
Study extra: Wyndham Rewards Earner Enterprise Card assessment
Wyndham Rewards Earner Plus Card
Welcome provide: Earn 45,000 bonus factors after spending $1,000 on purchases within the first 90 days of account opening.
Annual payment: $75.
Standout advantages: The buyer Wyndham Rewards Earner card encompasses a smaller annual payment ($75) than its enterprise counterpart and nonetheless comes loaded with perks.
When you frequent Wyndham properties, you may get pleasure from incomes 6 factors per greenback spent at Lodges by Wyndham and on gasoline purchases, making this card one other sleeper hit on the subject of incomes gasoline rewards.
This card additionally comes with computerized Platinum elite standing and seven,500 bonus factors every anniversary yr.
The data for the Wyndham Rewards Earner Plus Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Study extra: Wyndham Rewards Earner Plus Card assessment
U.S. Financial institution Altitude Join Visa Signature Card
Welcome provide: Earn 20,000 bonus factors after spending $1,000 on internet purchases within the first 90 days of account opening.
Annual payment: $0.
Standout advantages: For a no-annual-fee card, the Altitude Join Visa gives some fairly stellar perks and incomes charges the place you need them — particularly when you’re a traveler, commuter or foodie:
- 5 factors per greenback spent on pay as you go motels and automobile leases booked instantly within the Altitude Rewards Heart
- 4 factors per greenback spent at gasoline and EV charging stations (as much as your first $1,000 every quarter; excludes low cost shops, supercenters and wholesale golf equipment)
- 4 factors per greenback spent on journey purchases made instantly with airways, motels and rental automobile corporations
- 2 factors per greenback spent on eating, on streaming companies and at grocery shops (excluding low cost shops, supercenters and wholesale golf equipment)
Cardholders may also get pleasure from as much as $100 in assertion credit towards their TSA PreCheck or World Entry utility payment (each 4 years) and a complimentary Precedence Go membership that permits 4 no-cost visits to over 1,600 airport lounges everywhere in the world.
In terms of incomes factors, do not low cost the Altitude Join Visa. There are different playing cards that earn a extra useful reward foreign money than the factors issued by U.S. Financial institution, but when these bonus classes align together with your spending, this card is usually a stable alternative.
The data for the U.S. Financial institution Altitude Join Visa Signature Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Study extra: U.S. Financial institution Altitude Join Visa Signature Card assessment
What to contemplate when selecting a gasoline card
You have got tons of choices when you’re trying to decide on a gasoline bank card. The excellent news is that we have carried out a number of the heavy lifting for you. If you’d like a card that earns money again or want one which earns journey rewards factors, you may discover an possibility for you on this checklist. This is what else it’s best to take into consideration earlier than making use of.
Most well-liked rewards
When you’re into transferable bank card factors and need a multipurpose product that earns stable rewards throughout a number of classes, a card just like the Chase Sapphire Most well-liked is a wonderful possibility. When you’re a cash-back fanatic, take into account an possibility just like the Amex Blue Money Most well-liked or the Capital One Quicksilver Money Rewards.
When you’re nonetheless comparatively new to bank card rewards, a cash-back card might provide a extra comfy introduction to incomes and redeeming this particular reward foreign money. When you’re keen to start out incomes useful factors you’ll be able to switch to accomplice applications, a product just like the Chase Sapphire Most well-liked could also be extra your pace because it encompasses a wholesome welcome bonus and stable switch companions like World of Hyatt, Air Canada Aeroplan and Virgin Atlantic Flying Membership. Simply be sure you prioritize a card that is nicely suited to your wants.
Associated: Who’re the Chase Final Rewards switch companions? All the pieces to know
Welcome bonus
A welcome bonus presents a stellar alternative to earn a stash of money again, factors or miles relying on the cardboard you select. In terms of making use of for a gas-specific bank card, think about whether or not the welcome bonus gives you respectable worth along with the primary reward classes featured on the cardboard you are contemplating.
For me, getting the Costco Anyplace Visa made sense since I already had a Costco membership and was in search of methods to maximise my reward-earning technique throughout my predominant spending classes.
Spending habits
One of the best reward technique is one which covers the classes you spend essentially the most cash in; for me, groceries, journey, eating, streaming and gasoline are huge ones.
I’ve arrange my pockets to incorporate playing cards that cowl all these bases. When selecting your gasoline bank card, take into account which card will earn you elevated reward charges every time you gasoline up and throughout different classes, too.
Annual payment
Annual charges run the gamut from $0 to sky-high. Whether or not you are prepared to pay an annual payment — or wish to keep away from them altogether — our picks for finest gasoline playing cards provide one thing for each price range.
How we selected one of the best gasoline bank cards
To decide on one of the best gasoline bank cards, we chosen choices appropriate for several types of budgets and spenders.
We additionally took care to decide on versatile playing cards that earn rewards in common spending classes like streaming, groceries and transit, in addition to playing cards from numerous issuers that provide hidden gems like buy safety and even journey delay insurance coverage. For a deeper dive into our choice course of, take a look at our methodology right here.
Redemption choices for gasoline bank cards
A lot of the gasoline playing cards on this checklist earn money again, although the Chase Sapphire Most well-liked earns useful Final Rewards factors that may be transferred to a number of airline and resort companions.
One of the best gasoline bank card is the one that’s going to construct up your reward foreign money stash and work to your particular wants.
Backside line
When you drive a automobile that runs on gasoline or must be charged, you want a gasoline bank card. In any other case, you are leaving cash on the desk — particularly when there are such a lot of versatile choices on the subject of playing cards that earn elevated charges on this class.
If you have already got a Costco membership, take into account the Costco Anyplace Visa. If you’d like a no-annual-fee gasoline card, take into account the Financial institution of America Personalized Money Rewards card. When you’re prepared to pay a sub-$100 annual payment and spend rather a lot on groceries along with gasoline, you’ll be able to’t go unsuitable with the Amex Blue Money Most well-liked. You have got choices, and when you resolve what kind of rewards you’d prefer to earn and what your hottest spending classes are, you’ll be able to slender down your choice from there.
For charges and costs of the Amex Blue Money Most well-liked, click on right here.
Associated: One of the best no-foreign-transaction-fee bank cards