Best Credit Cards for Gas & Groceries

Key Takeaways:

Opt for credit cards that offer elevated rewards not just for gas but also for other common expenses like groceries and dining, ensuring overall financial benefits.
The best credit cards for gas provide valuable rewards, convenience, and other additional perks.
While co-branded gas station cards exist, general rewards credit cards often provide more value, offering flexibility across various spending categories beyond specific fuel brands.

Want to run errands, pick up groceries, or commute to work, and you are running low on fuel? Gas has always been a necessity and a major expense for many Americans.

But the rising fuel prices have hit people hard by inflating their everyday expenses.

There are plenty of strategies to beat the high gas prices, such as:

Signing up for loyalty programs like- Walmart+ Gas or Costco Gasoline to buy gas at a discount
Carpooling for work
Using Gas Apps such as GasBuddy, Waze Gas Guru, and BPme Rewards
Downloading a credit card management app like Uthrive to know which of your credit cards earns maximum cashback on Gas
Switch to online delivery of groceries, medicines, meals

But what is the best way to save money on gas? Paying with Gas Rewards Credit Card is an excellent option to earn top cashbacks or points at the pump.

It allows cardholders to enjoy fuel rewards and other amazing benefits.

What is a Gas Credit Card?

A gas credit card is a specialized type of rewards credit card designed to provide benefits and rewards specifically for purchases made at gas stations. These cards typically offer enhanced cash back, points, or discounts when used for fuel-related expenses.

The best credit cards for gas may also extend rewards to other categories like groceries or travel.

Unlike co-branded gas station cards, general rewards credit cards can often provide more flexibility and overall value by offering rewards across various spending categories, allowing users to earn and redeem rewards for a broader range of purchases beyond just fuel expenses.

Essentially, the term “gas credit card” encompasses cards not affiliated with a particular fuel brand.

It’s important to distinguish gas credit cards from fleet cards, as the latter, while serving a similar purpose for business gas expenses, often lack additional benefits such as wholesale pricing and fleet management tools.

How do Gas Credit Cards work?

Credit cards for gas operate similarly to standard credit cards at the pump. Users swipe, insert, or tap their cards, complete identity verification, await authorization, and proceed to fuel up.

Like any other credit card, timely bill payment is crucial, with full payment recommended to avoid interest charges.

These cards typically provide rewards or savings on gas purchases, either generally or at specific stations.

Some feature rewards programs require redemption, while others offer automatic rewards.

Co-branded cards may tie to a particular fuel retailer, while regular rewards credit cards provide broader spending flexibility, often with bonuses for gasoline expenses.

Are Credit Cards Good for Gas?

Credit cards are convenient to use and offer the best deal on gas, regardless of the brand of the pump. You get to save more with every purchase.

Fuel Credit Cards have amazing rewards categories that align perfectly with your spending habits and preferences.

One can even earn a signup bonus after meeting minimum spend requirements. So, Definitely Yes! Credit cards are Good for Gas.

The Best Credit Cards for Gas

Using the right credit card for gas stations can easily save hundreds of dollars every year while beating the rising fuel prices.

They offer the best cashbacks, discounts, and points with typically no annual fees- without any extra cost.

Here are the 6 Best Credit Cards for Gas that provide 2% to 5% rewards on your gas purchase:

Blue Cash Everyday® Card from American Express
The Blue Cash Everyday® Card from American Express stands out as one of the best no annual fee credit cards for gas purchases with its generous cashback rewards. With 3% cashback at U.S. gas stations on up to $6,000 per year, it offers substantial savings on fuel expenses.

Additionally, cardholders earn 3% cash back at U.S. supermarkets on groceries and U.S. online retail purchases (on up to $6,000 on each category per year)and 1% on all other eligible purchases, making it versatile for everyday spending.

The absence of an annual fee and welcome bonus of bonus_miles_full Adds to its appeal, while perks like comprehensive travel and shopping benefits and credits provide added value and peace of mind. Terms Apply*
Citi Custom Cash® Card
For credit gas rewards, the Citi Custom Cash® Card takes the lead with its customizable rewards structure. It offers 5% cash back on your top spending category each billing cycle, including gas, grocery, dining, and travel, for up to $500, allowing cardholders to maximize rewards on gas purchases.

Beyond gas, it provides flexibility to earn 1% cash back on other everyday expenses. With no annual fee, an intro APR of intro_apr_rate,intro_apr_duration on purchases and balance transfers, then reg_apr,reg_apr_type, and a one-time bonus of bonus_miles_full

This card offers simplicity and value for those seeking rewards tailored to their spending habits.
Citi Premier® Card
The Citi Premier® Card is the top choice for the best credit card for gas and groceries with its robust rewards program and travel benefits.

Cardholders earn 3x points on gas purchases, U.S. supermarkets, dining, and air travel, catering to various spending categories.

Moreover, it offers 10x ThankYou points on hotels & car rentals booked via Citi Travel.

With a generous sign-up bonus of bonus_miles_full no foreign transaction fees, flexible redemption, and a $100 Hotel Credit, it’s a comprehensive choice for both everyday spending and travel rewards.
Costco Anywhere Visa® Card by Citi
As the best cash back gas credit card for Costco members, the Costco Anywhere Visa® Card by Citi offers compelling rewards and benefits.

With no annual fee, you earn 4% cash back on gas purchases & EV charging, up to $7,000 a year, which provides significant savings at the pump.

Additionally, cardholders earn 3% cashback on restaurant and travel purchases, 2% back at Costco and Costco.com, and 1% on other purchases.

With a paid Costco membership, travel perks, and no foreign transaction fees, it’s a cost-effective option for frequent Costco shoppers looking to maximize rewards on gas and other expenses.
Blue Cash Preferred® Card from American Express
The Blue Cash Preferred® Card from American Express earns its place as a top choice for gas purchases with its elevated cashback rewards.

With a annual_fees, it provides 3% cash back at U.S. gas stations and transit, offering substantial savings on fuel expenses.

Moreover, cardholders earn 6% cash back on groceries (up to $6,000 per year) and select streaming services, making it a lucrative option.

You can also enjoy a sign-up bonus of bonus_miles_full And useful statement credits, enhancing its overall value for cardholders.
Capital One Venture Rewards Credit Card
While not specifically tailored for gas purchases, the Capital One Venture Rewards Credit Card offers solid rewards and perks, including fuel expenses.

With a annual_fees annual fee, you get 2x miles on every purchase, even on gas purchases, which can be redeemed for travel expenses, including flights, hotels, and car rentals.

With this card you can bonus_miles_full, 5x miles on hotels & rental cars booked through Capital One Travel, valuable travel insurance benefits, up to $100 Global Entry/TSA PreCheck credit, and no foreign transaction fees, making it a versatile option for those seeking rewards and travel perks beyond just gas purchases.

Credit card	Uthrive rating	Intro offer	Rewards rate	Annual fee	Learn more
card_name ** Offer & Benefit Terms * Rates and Fees Terms Apply	Rating 4.6/5 No Fee Cash Back Credit Card for Families	Intro Offer bonus_miles_full	Reward Rates Up to 3% Cashback	Annual Fees annual_fees*
card_name Terms Apply	Rating 4.5/5 5% Cash back card with no annual fee	Intro Offer bonus_miles_full	Reward Rates Up to 5% Cash back	Annual Fees annual_fees
card_name Terms Apply	Rating 4.4/5 Top-Tier Travel Credit Card	Intro Offer bonus_miles_full	Reward Rates Up to 3x Points	Annual Fees annual_fees
card_name card_name Terms Apply	Rating 4.3/5 Best Costco Credit Card	Intro Offer bonus_miles_full	Reward Rates Up to 4% Cash Back	Annual Fees annual_fees	View how to apply
card_name card_name Terms Apply	Rating 4.8/5 Maximum Cash Back for Everyday Spend	Intro Offer bonus_miles_full	Reward Rates Up to 6% Cash Back	Annual Fees annual_fees	View how to apply
card_name Terms Apply	Rating 4.7/5 Popular Travel Rewards Credit Card	Intro Offer bonus_miles_full	Reward Rates Up to 5x Miles	Annual Fees annual_fees	View how to apply

Types of Gas Credit Cards

Gas credit cards come in two main types: co-branded and general-purpose. Both types have their advantages, but general-purpose cards with gas rewards often offer broader usability.

Co-Branded Gas Credit Cards
These cards are affiliated with specific fuel retailers, offering rewards, discounts, or perks when used at those stations. Examples include the Shell Fuel Rewards Card or the ExxonMobil Smart Card.

Distinguished by their connection to specific gas station brands, loyalty gas credit cards or co-branded options like it offer rewards tailored to loyalty programs.

Typically, these rewards can be redeemed for items at convenience stores or used for additional fuel purchases.
General Rewards Gas Credit Cards
These cards provide flexibility, earning rewards or cash back on gas purchases across various stations. Examples include the Bank of America Customized Cash Rewards credit card or the Chase Freedom Unlimited.

Versatile and flexible general-purpose gas credit cards like the Citi Premier Card aren’t tied to specific fuel brands.

These cards provide bonus rewards in the form of cash back or points for gas purchases and often extend to other categories, catering to various spending habits.

Pros and Cons of Gas Credit Cards

Like any reward card, credit cards for gas rewards have both advantages and disadvantages. It’s essential to weigh these factors before applying.

Pros

Rewards and Discounts: Gas credit cards often offer cashback, rewards points, or discounts, providing savings on fuel purchases.
Convenient Payments: Using a credit card for gas transactions is convenient and eliminates the need for carrying cash.
Potential Additional Benefits: Some gas cards may include extra perks like roadside assistance, travel benefits, or discounts at affiliated retailers.

Cons

High APRs: Gas credit cards may have higher annual percentage rates (APRs), leading to increased interest charges if balances are not paid in full.
Limited Acceptance: Co-branded gas cards may be limited to specific gas stations, reducing flexibility in choosing where to fill up.

Should I get a gas station credit card?

Whether to get a credit card for gas rewards depends on your spending habits and financial goals.

If you frequently purchase fuel at a particular station, a co-branded gas card, like the Shell Fuel Rewards Card or ExxonMobil Smart Card, can offer discounts or cashback on gas purchases.

However, if you prefer flexibility, general rewards credit cards may provide better overall value, allowing you to earn rewards on various expenses, including gas and groceries.

Consider factors like rewards structure, annual fees, and whether you can pay the balance in full each month to make an informed decision based on your individual needs.

Traditional gas station credit cards linked to specific oil companies offer discounts per gallon, making the savings percentage dependent on gas prices.

For example, a 5-cent discount on $2 gas represents a 2.5% savings, but as gas prices rise, the percentage decreases.

Bank credit cards, in contrast, offer consistent rewards as a percentage of the purchase price (e.g., 3% or 5% cash back).

This ensures that no matter the gas price, your break even on the price remains constant as a percentage of the total cost, providing more flexibility and value in various scenarios.

How to choose a Gas Credit Card?

With an array of gas credit card options available in the market, the selection process can be daunting. Before applying, carefully consider these factors for an informed decision:

Rewards Structure
Assess whether the card offers cash back, points, or discounts on gas purchases, and if the rewards align with your spending habits.
Fees and Costs
Examine annual fees, interest rates, and potential penalties to ensure the card’s costs won’t outweigh the benefits.
Redemption Flexibility
Check how easily you can redeem rewards—whether as cash, statement credits, or other options you prefer.
Usage Limitations
Evaluate where you can earn rewards, the yearly or quarterly reward caps, and whether the card is restricted to specific gas stations or extends benefits to other purchase categories.
Introductory Offers
Consider any introductory offers, like sign-up bonus rewards or 0% APR, but be mindful of the terms and how they align with your financial goals.

How to apply for a Gas Credit Card?

Choosing the right credit card for gas purchases is crucial. It involves a straightforward application process. Ensure you have your personal or business credit and financial details ready before proceeding.

Research and Select your Ideal Card
Identify the gas credit card that aligns with your spending patterns and offers the most favorable rewards or benefits as per your needs.
Check Eligibility
Review eligibility criteria to ensure you meet the requirements and collect required information like income details and other documents.
Complete Application
Go to the issuer’s website to complete the online application form with accurate personal and financial information. Alternatively, contact the customer service center for assistance.
Submit Application
Once satisfied, submit your application with the necessary documentation. Expect a credit inquiry, impacting your score slightly. Avoid multiple applications in a short period to maintain approval chances.

What counts as ‘gas’ for bonus credit card rewards?

For credit card bonus rewards, the definition of “gas” typically includes purchases made at gas stations. It encompasses expenses related to fuel, such as filling up your vehicle’s gas tank.

Credit card issuers have varying criteria for qualifying purchases in their “gas” or “gas station” bonus reward categories.

Generally, fuel purchases at standalone gas stations qualify, but cards often exclude gas bought at supermarkets, superstores, and wholesale clubs.

The eligibility of in-store purchases (like snacks or hot dogs) depends on the issuer’s policy and the merchant category code used. Some cards may include EV charging for matching rewards, while others may not.

To determine eligibility, check the issuer’s guidelines, like American Express specifying primary gasoline sales for bonus rewards. Each issuer, such as Citi Custom Cash^® Card and Bank of America Customized Cash Rewards, has unique criteria and exclusions.

Some cards may extend the gas category to include related items like car washes or purchases made at convenience stores located within gas stations.

For example, if you use a credit card for gas bonus at a qualifying gas station, not only would the cost of the fuel be eligible for extra rewards, but other valid purchases within the same transaction, like snacks or car maintenance items, may also qualify.

Are Gas Cards worth it?

Gas cards can be worth it if your spending aligns with the card’s rewards structure. Imagine having a card offering high cash back on gas, like Costco Anywhere Visa^® Card by Citi or Blue Cash Everyday® Card from American Express.

If you commute daily or enjoy road trips, you’d rack up substantial cash back (5%-6%). Picture saving $150 annually on gas purchases – that’s extra money for a weekend getaway or special treat.

Co-branded gas cards, in particular, may extend additional discounts. However, the value of point-earning cards depends on effective point utilization.

Deciding the worth of any credit card for gas involves factors like annual fees, expected rewards, and whether you prefer a gas-exclusive card or one with broader spending bonuses.

However, if you rarely drive, a general cash-back card might suit you better. It’s like having a loyal travel companion – beneficial when your journey aligns with their strengths but less valuable if your paths seldom cross.

The Bottom Line

We all feel the same pain of sky-high gas prices with no clue how long the current situation with market uncertainties will continue.

While we don’t know how long the high fuel prices will last, the need for gas is inevitable, so using credit cards for gas stations is the ideal solution. Make sure to pick the right card that suits your purpose.

The best credit cards for gas, a subset of rewards cards, provide elevated rewards specifically for gas expenditures compared to general rewards cards, all while ensuring commendable rewards across other common spending domains like groceries or dining.

For most individuals, a card that offers robust rewards not only for fuel but also for other expenditures proves beneficial, such as the best credit card for groceries and gas.

However, heavy drivers should prioritize cards, offering significant rewards for gas spending, aiming for a minimum of 3% cash back on every pump dollar.

Despite the allure of gas-station-branded cards, opting for a general rewards credit card often delivers more overall value and avoids the constraint of a specific service station brand.

FAQs

What credit card is best for gas rewards?

The best credit card for gas rewards depends on individual preferences. Some popular options include the Costco Anywhere Visa^® Card by Citi , Blue Cash Preferred® Card from American Express, and Citi Custom Cash^® Card .

What credit score do I need for a gas card?

The credit score needed for a gas card varies, but generally, a good to excellent credit score (above 700) increases your chances of approval for the top gas rewards cards.

Which gas card is best?

Determining the best gas card depends on your spending habits and preferences. Some top choices include the Capital One QuicksilverOne Cash Rewards Credit Card,Citi Custom Cash^® Card, and Blue Cash Preferred® Card from American Express.

What is the easiest gas credit card to get?

The easiest gas credit card to get often includes options for individuals with fair or average credit. Examples include the Credit One Bank Platinum Visa for Rebuilding Credit or the Capital One Secured Credit Card.

What credit card gives 4% back on gas?

Credit cards like the PenFed Platinum Rewards Visa Signature Card offer 4% back on gas purchases, making them attractive for those looking to maximize rewards on fuel expenses.

What are fleet gas cards?

Fleet gas cards are specialized credit cards for business vehicle expenses. They offer features like detailed reporting, expense management, and potential fuel discounts, helping businesses efficiently manage their fleets.

Does a Gas Card save you money?

Credit cards for gas can save you money through cash back or discounts on fuel purchases. Additionally, many cards may offer introductory bonuses or extra rewards in other spending categories.

Do gas credit cards help build credit?

Gas credit cards can contribute to building credit if used responsibly. Making on-time payments and keeping balances low can positively impact your credit score over time.

Are gas rewards cards worth it?

Whether gas rewards cards are worth it depends on your spending habits. If you frequently spend on gas, groceries, or travel, a card offering rewards in these categories can provide significant value.

Gas rewards cards can be worthwhile if you drive frequently, offering cashback, discounts, or points on fuel purchases. Consider your spending patterns to determine if the rewards align with your needs.

* For rates and fees of the Blue Cash Everyday® Card from American Express, please click here and view ** Offer & Benefit Terms