The 11 Best Credit Cards for Gas Station Purchases in 2024 [Rewards and Cash-Back]

According to the U.S. Bureau of Labor Statistics, each household spends more than $3,000 on gas purchases each year. With pump prices continuing to climb, that amount can add up to a lot of travel rewards or cash-back.

Plenty of credit cards offer category spending bonuses for specific merchant types. Luckily, gas is a common bonus category for many different travel rewards and cash-back credit cards — not just gas reward cards.

We want to make sure you know which credit card would give you the best travel rewards and cash-back for every dollar you spend at the pump. If you’re only getting your basic earning rate on your gas purchases (such as 1 point per dollar), then this guide is for you.

The Best Cards for Gas Station Purchases — Overview

Our featured cards offer many earning possibilities, redemption options, and benefits. However, it’s time to focus specifically on how these cards compare when we compare rewards earned on gas station purchases.

Gas Station-Branded Cards vs. Rewards-Earning Cards

You’ve seen advertisements for gas station-issued credit cards when you fill up at the pump. These cards can offer enticing rewards but often limit you to that specific brand.

Limiting yourself to a specific gas station brand to earn extra rewards isn’t necessary, since many travel rewards and cash-back cards offer bonus points for gas purchases.

Gas station-specific credit card reward programs can also be much more restrictive than other reward programs.

Some gas station-specific credit cards offer you an immediate discount at the pump. Others offer a rewards discount on a future purchase at that specific brand, which could expire sooner than you anticipate.

Travel rewards cards and cash-back credit cards can give you the freedom to fill up the tank at any gas station without limiting yourself to a specific brand. That gives you more flexibility in how you redeem your rewards.

Let’s take a look at some of the best personal and small business credit cards that help you earn more flexible travel rewards and cash-back for gas purchases.

Bottom Line: You do not need a gas station-branded credit card to earn rewards. In fact, doing so could limit your ability to earn other, more flexible, rewards.

The 7 Best Personal Credit Cards for Gas Station Purchases

We love travel rewards credit cards, especially when we can earn extra bonus points on regular everyday purchases, like gas. Here are a few cards we recommend that earn flexible rewards on gas station purchases, as well as a few cards that earn great cash-back rewards:

Citi Strata Premier℠ Card

Citi Strata Premier℠ Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Citi Strata Premier℠ Card

Welcome Offer

For a limited time: Earn 75,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards on thankyou.com.

75,000 points

UP's Bonus Valuation*:

$1,200

Annual Fee

$95

APR

20.49% to 28.49% Variable APR

Why We Like This Card

The Citi Strata Premier℠ Card is a great all-around travel rewards card that allows you to earn big rewards on a variety of purchases like air travel, at restaurants, supermarkets, gas stations, and more, along with flexible redemption options, all for a modest annual fee.

Pros & Cons

Pros

• 10x points on hotels, car rentals, and attractions booked through CitiTravel.com
• 3x points on air travel, other hotel purchases, restaurants, supermarkets, gas stations, and EV charging stations
• $100 annual hotel benefit

Cons

• $95 annual fee

Read Full Review

Card Highlights

• For a limited time: Earn 75,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards on thankyou.com.
• Earn 10X points per $1 spent on hotels, car rentals, and attractions booked on CitiTravel.com.
• Earn 3X points per $1 on air travel and other hotel purchases, at restaurants, supermarkets, gas and EV charging stations.
• Earn 1X point per $1 spent on all other purchases.
• $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
• No expiration and no limit to the amount of points you can earn with this card.
• No foreign transaction fees on purchases.

Financial Snapshot

• APR: 20.49% to 28.49% Variable APR
• Foreign Transaction Fees: None

The Citi Strata Premier card is a great travel rewards card that offers no foreign transaction fees and a flexible rewards program for a $95 annual fee.

This card also offers plenty of opportunities for you to earn extra bonus points quickly on everyday purchases, including one of the most broadly defined travel categories. To start off, you can receive a huge welcome bonus offer as a new cardmember.

You earn 3x points on gas stations, restaurants, supermarkets, air travel, and hotels. Everywhere else, you get 1 point per dollar spent.

Beyond that, the card has an annual benefit whereby you can get $100 off a single hotel stay of at least $500 (excluding taxes and fees) when booked through thankyou.com or 800-THANKYOU.

There are no foreign transaction fees or authorized user fees on the Citi Strata Premier card.

Why We Like Earning Citi ThankYou Rewards Points

These points are part of the ThankYou Rewards program. We value these points at around 1.6 cents each, which translates to a return on spending of 4.8%!

ThankYou Points can be redeemed for travel using the Citi Travel Center, but they can also be redeemed for gift cards, merchandise, and at select merchants for 1 cent per point.

But the absolutely optimal way to maximize these points is to transfer your ThankYou Points to partner airline and hotel loyalty programs to add extra flexibility and value. For even more ways to redeem your points, check out our in-depth guide on the best ways to redeem your Citi ThankYou Points.

Bottom Line: The Citi Strata Premier card offers so many options for earning bonus points, especially with its 3x bonus categories on gas, EV charging stations, supermarkets, air travel, hotels, and restaurants. This card makes it easy to rack up points quickly!

Blue Cash Preferred^® Card from American Express

HIGHEST CASH BACK

Terms Apply / Rates & Fees

Blue Cash Preferred^® Card from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Blue Cash Preferred^® Card from American Express

This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.

Welcome Offer

Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.

$250

Annual Fee

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

APR

18.49%-29.49% Variable,0% on purchases for 12 months

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The Blue Cash Preferred^® Card from American Express is a stellar cash-back credit card for those looking to maximize every purchase they make.

With bonus categories like U.S. supermarkets, select U.S. streaming services, U.S. gas stations, and transit purchases, this card rewards you for the items you spend the most on in a big way! For those looking to earn up to 6% cash-back on their purchases, this could be the card for you!

Pros & Cons

Pros

• 6% cash-back at U.S. supermarkets (up to $6,000 per year)
• 6% cash-back on select U.S. streaming subscriptions
• 3% cash-back on U.S. gas stations and transit (including rideshares, parking, etc.)

Cons

• $0 intro annual fee for the first year, then $95 annual fee (rates and fees)

Read Full Review

Card Highlights

• Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
• $0 intro annual fee for the first year, then $95.
• Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It^® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
• Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 18.49% - 29.49%.
• 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
• 6% Cash Back on select U.S. streaming subscriptions.
• 3% Cash Back at U.S. gas stations.
• 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
• 1% Cash Back on other purchases.
• Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
• $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
• Terms Apply.

Financial Snapshot

• APR: 18.49%-29.49% Variable,0% on purchases for 12 months
• Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Rewards Center

Redeem cash-back through your American Express account

Cash-back credit cards can offer instant satisfaction since they’re so easy to use and understand. You don’t need to save up a bunch of points to make a redemption, and you clearly benefit from the value of every point.

The Amex Blue Cash Preferred card is our favorite personal cash-back card for gas station purchases.

To start with, this card earns 3% cash-back on purchases made at U.S. gas stations, without the low cap most credit cards with gas station bonus categories have.

It also earns 6% cash-back on up to $6,000 in purchases per year at U.S. supermarkets and on select U.S. streaming subscriptions. Also, expect to earn 3% cash-back on transit, too, including taxis, ride-shares, parking, tolls, trains, buses, and more.

All other purchases earn the standard 1% cash-back. Plus, enjoy a 0% introductory APR benefit as shown in the table above.

You can also start earning cash-back even before your card arrives! American Express sometimes provides an immediate credit card number when you are instantly approved, which can be used for digital purchases (including mobile payments and online purchases).

The Amex Blue Cash Preferred card also offers the following statement credits (Enrollment required):

• $7 back each month after spending $9.99 or more each month on the Disney Bundle (valid only at DisneyPlus.com, Hulu.com, or Plus.espn.com in the U.S.)

Blue Cash Everyday^® Card from American Express

Terms Apply / Rates & Fees

Blue Cash Everyday^® Card from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Blue Cash Everyday^® Card from American Express

This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!

Welcome Offer

Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

$200

Annual Fee

$0

APR

18.49%-29.49% Variable,0% on purchases for 15 months

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

When it comes to cash-back credit cards, there are dozens of options to choose from. So what sets the Blue Cash Everyday^® Card from American Express apart from the rest?

This card is excellent at earning cash-back on your everyday purchases at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases. So if you regularly spend money on everyday purchases, this could be the perfect card to add to your wallet.

Pros & Cons

Pros

• 3% back on purchases at U.S. supermarkets on up to $6,000 in purchases each year, then 1% back after.
• 3% back on purchases at U.S. gas stations on up to $6,000 in purchases each year, then 1% back after.
• 3% back on purchases on online retail purchases on up to $6,000 in purchases each year, then 1% back after.

Cons

• Rewards are not flexible and can only be redeemed for cash-back. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

Read Full Review

Card Highlights

• Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
• No Annual Fee.
• Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.49% to 29.49% variable APR.
• 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
• 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
• 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
• Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
• Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday^® Card. Enrollment required.
• Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday^® Card.
• Terms Apply.

Financial Snapshot

• APR: 18.49%-29.49% Variable,0% on purchases for 15 months
• Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Essentially a toned-down version of the Amex Blue Cash Preferred card, the Amex Blue Cash Everyday card offers a cash-back rewards program that earns Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

This card provides easy opportunities to earn extra cash-back on everyday purchases. You earn 3% cash-back on all purchases at U.S. gas stations (up to $6,000 in purchases each year).

The major difference between the 2 cards is that though the Amex Blue Cash Preferred card increases the cash-back you earn in the same bonus categories, the Amex Blue Cash Everyday card has no annual fee. This card also earns 3% cash-back at U.S. online retailers (up to $6,000 in purchases each year).

You also get these statement credits (Enrollment required):

• $7 back each month after spending $9.99 or more each month on the Disney Bundle (valid only at DisneyPlus.com, Hulu.com, or Plus.espn.com in the U.S.)
• $15 back per month at Home Chef

You can add authorized users for no additional fee and take advantage of the purchase protection and fraud protection perks (rates and fees).

Wells Fargo Autograph℠ Card

The Wells Fargo Autograph card is not just one of the best cards for gas purchases, offering 3x points per dollar spent at gas stations, but it also offers 3x points per dollar spent on restaurants, travel, transit, popular streaming services, and phone plans.

Plus, once you’ve racked up a stash of points thanks to the card’s 6 bonus categories, you have multiple redemption options, including travel purchases through the Wells Fargo travel portal, gift cards, or cash-back to offset purchases made with the card.

Additionally, the card has no annual fee, no foreign transaction fees, and comes with perks like cell phone protection, auto rental collision damage waiver, and more.

Costco Anywhere Visa^® Card by Citi

Costco Anywhere Visa^® Card by Citi

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Costco Anywhere Visa^® Card by Citi

Welcome Offer

None

Annual Fee

$0

APR

19.74% - 27.74% Variable

Why We Like This Card

The Costco Anywhere Visa^® Card by Citi is a great Citi’s cash-back rewards card designed specifically for Costco Members.

Card Highlights

• Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
• 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
• 3% cash back on restaurants and eligible travel purchases
• 2% cash back on all other purchases from Costco and Costco.com
• 1% cash back on all other purchases
• No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
• Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico

Financial Snapshot

• APR: 19.74% - 27.74% Variable
• Foreign Transaction Fees: None

The Costco Anywhere card is available exclusively to Costco members. If you are not a Costco member, you can join before applying for this card. It could be worth it even if you don’t shop at Costco.

This card earns 4% cash-back on the first $7,000 in eligible gas and EV charging purchases each year. That’s up to $280 a year in earnings just on gas. After that, you’ll earn the standard 1% cash-back rate.

You will also earn 3% cash-back on all restaurant and eligible travel expenses worldwide, as well as 2% cash-back on all Costco purchases in-store and online.

This card has a $0 annual fee — you just need to be a Costco member, which starts at just $65 annually.

The only catch? Your rewards aren’t immediately available. Instead, your cash-back rewards will be issued annually as a cash rewards certificate when your February statement closes. You can then redeem the certificate for cash or for purchases at Costco.

There are no foreign transaction fees on this card, and it even includes purchase protection and access to Citi Entertainment.

Bottom Line: The Costco Anywhere card is one of the best cash-back credit cards for gas and EV charging purchases, earning 4% on the first $7,000 in purchases each year. The only downsides are that you have to be a Costco member and you have to wait up to a year to receive your rewards.

Chase Freedom Flex℠

Chase Freedom Flex^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.

Learn More(at Chase's secure site)

Chase Freedom Flex^®

The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.

Welcome Offer

Earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening.

$200

Annual Fee

$0

APR

0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.99% - 28.74%

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The Chase Freedom Flex℠ sure does pack quite a punch — especially for a no-annual-fee card.

The Freedom Flex card is an incredible option for those looking for a well-rounded cash-back card, or a powerful point-earner when paired with a premium card in the Ultimate Rewards family.

Pros & Cons

Pros

• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.99% - 28.74%.
• Powerful cash-back earner: 5% back on quarterly categories and travel purchases through Chase Ultimate Rewards, 3% back on dining and drugstore purchases, and 1% back on all other purchases
• No annual fee

Cons

• 3% foreign transaction fees in U.S. dollars

Read Full Review

Card Highlights

• Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
• 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
• 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
• 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.99%-28.74%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex^® card
• Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
• Member FDIC

Financial Snapshot

• APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.99% - 28.74%
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

While the Freedom Flex card and the Freedom Unlimited card are commonly considered cash-back cards, they initially earn rewards as flexible Ultimate Rewards points.

This is an important distinction because flexible rewards points offer redemption options that may deliver value far beyond the 1 cent per point option of redeeming Ultimate Rewards earned on the cards for cash-back.

Transferring Ultimate Rewards to premium Chase cards such as the Ink Business Preferred^® Credit Card, Chase Sapphire Reserve^®, or Chase Sapphire Preferred^® Card can result in up to 50% more value when redeemed for travel via Chase Travel, or potentially even greater value when transferred to Chase Travel partners and redeemed for award flights or free hotel nights.

The Freedom Flex card offers quarterly bonus categories that earn 5% on select categories, up to $1,500 in purchases each quarter, which can include gas stations and merchants that may sell gas-branded gift cards.

The card also earns 5% back on travel through the Chase Travel portal, 3% back at restaurants and drugstores, and 1% back on all other purchases.

In addition, this product offers a 0% introductory APR benefit as shown in the table above, purchase protection, extended warranty, and no additional fees for authorized users.

Why We Like Earning Chase Ultimate Rewards Points

Chase Ultimate Rewards points are worth 2 cents each, according to our valuations, making it one of the most coveted points currencies.

If you earn 5% or 3% cash-back on a purchase and happen to also have an Ultimate Rewards credit card, you can convert your points to get a return on spending of 10% or 6%, respectively.

Points are redeemable for cash-back, gift cards, online shopping, charitable donations, and travel booked through Ultimate Rewards.

The secret weapon for using Chase Ultimate Rewards points, though, is to transfer them to travel partners and book luxury flights and hotels for huge value.

Hot Tip: You may receive bonus earnings on purchases made inside the gas station’s convenience store. Additionally, you may be able to purchase gas-branded gift cards at other bonus category merchants such as office supply stores, supermarkets, or drugstores.

Chase Freedom Unlimited^®

INTRO OFFER

Chase Freedom Unlimited^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Learn More(at Chase's secure site)

Chase Freedom Unlimited^®

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Welcome Offer

Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

Up to $300 cash-back

Annual Fee

$0

APR

0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 19.99% - 28.74%.

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The Chase Freedom Unlimited^® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.

Pros & Cons

Pros

• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.99% - 28.74%.
• 5% back on travel purchased through Chase Travel℠
• 3% back on dining and drugstore purchases

Cons

• 3% foreign transaction fee

Read Full Review

Card Highlights

• INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
• Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
• After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.99% - 28.74%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited^® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
• Member FDIC

Financial Snapshot

• APR: 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 19.99% - 28.74%.
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

Chase Ultimate Rewards

The Freedom Unlimited card earns 5% back on travel through Chase Travel, 5% back on Lyft purchases through March 31, 2025, 3% back on dining and drugstores, and 1.5% back on all other purchases. It also comes with a welcome bonus, which includes a 0% introductory APR benefit as shown in the table above.

The 1.5% cash-back on all other purchases includes gas stations because you earn 1.5% cash-back on any purchases not included in the bonus categories.

Remember, if you have an Ultimate Rewards credit card such as the Chase Sapphire Preferred card or Chase Sapphire Reserve card, you can convert your cash-back rewards to Ultimate Rewards points at a rate of 1% to 1x points!

Also, the Freedom Unlimited card comes with travel insurance, purchase protection, extended warranty, secondary rental car insurance, fraud protection, and authorized users for no additional fee.

This card is a good option to use anywhere that you don’t already earn a better bonus for your spending.

Hot Tip: Check out our comparison of these 2 popular Chase cards in our article that spells out all the benefits of each card.

The 4 Best Business Cards for Gas Purchases

Owning a small business can involve a lot of travel on the road, which can add up to outrageous gas expenses. Luckily, small business credit cards usually like to add bonus reward categories to common business expenses.

American Express^® Business Gold Card

ELEVATED OFFER

Terms Apply / Rates & Fees

American Express^® Business Gold Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Learn More(at Amex's secure site)

American Express^® Business Gold Card

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Welcome Offer

Earn 100,000 Membership Rewards^® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*

100,000 points

UP's Bonus Valuation*:

$2,200

Annual Fee

$375

APR

18.74% - 27.74% Variable,0% on purchases for 6 months from date of account opening

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The American Express^® Business Gold Card is excellent at racking up rewards for your business spend.

The card earns a whopping 4x points per $1 in the 2 categories (from a list of 6) that your business spends the most money on each month. With no need to opt-in or preselect your categories, so you can focus on what matters most — running your business.

Pros & Cons

Pros

• 4x points per dollar spent on your 2 highest purchase categories each month up to $150,000 each calendar year in purchases; categories include:
  • Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
  • U.S. purchases made from electronic goods retailers and software & cloud system providers
  • Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants, including takeout and delivery
  • Purchases at U.S. media providers for advertising in select media (online such as Google Ads, Facebook Ads, plus TV and radio)
• 3x points per dollar on flights and prepaid hotels booked on amextravel.com using your Business Gold Card
• Access to Amex’s The Hotel Collection

Cons

• $375 annual fee (rates and fees)
• No elite travel benefits like airport lounge access or elite status

Read Full Review

Card Highlights

• Welcome Offer: Earn 100,000 Membership Rewards^® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
• 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.74% to 27.74% variable APR.*
• Earn 4X Membership Rewards^® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
• Earn 3X Membership Rewards^® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
• Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
• Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
• The Business Gold Card now comes in three metal designs: Gold, Rose Gold and Limited Edition White Gold. White Gold design is only available while supplies last. Make your selection when you apply on Americanexpress.com.
• *Terms Apply

Financial Snapshot

• APR: 18.74% - 27.74% Variable,0% on purchases for 6 months from date of account opening
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 200k points with the Amex Business Gold card. The current public offer is 100,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Business Gold card is a travel rewards-earning card that earns valuable Membership Rewards points where your business spent the most each month — and gas stations are one of those options.

This card earns 4x Membership Rewards points on the top 2 categories in which your business spends the most every month (up to $150,000 in combined purchases every calendar year):

• Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
•  U.S. purchases made from electronic goods retailers and software & cloud system providers
• Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
• U.S. purchases at gas stations
• U.S. purchases at restaurants, including takeout and delivery
• Purchases at U.S. media providers for advertising in select media (online, TV, radio)

You also earn 3x points on flights and prepaid hotels booked through AmexTravel.com, and 1x points on all other eligible purchases.

The Amex Business Gold card is the only card in this entire guide with a special benefit called no preset spending limit, which means it doesn’t have a traditional credit limit like most other cards — your spending limit is flexible. The amount you can spend adapts based on factors such as your purchase, payment, and credit history.

Don’t be afraid to take this card with you on your international business trips, as the card does not charge foreign transaction fees (rates & fees).

The annual fee for employee cards is $95 for the first five cards and then $95 for each card thereafter, up to 99 cards (rates & fees).

Why We Like Earning American Express Membership Rewards Points

The Amex Business Gold card earns Membership Rewards points, which offer plenty of options and flexibility to redeem your rewards.

You can redeem your Membership Rewards points for your business travel expenses by booking directly with AmexTravel.com or by transferring your points directly to participating airline and hotel loyalty programs.

In fact, they’re nearly the most valuable points in our minds, worth around 2.2 cents each. If you earn 4x points on U.S. gas station purchases, that’s a whopping 8.8% return on your spending!

You can redeem Amex points for statement credits, merchandise, travel booked via AmexTravel.com, charitable donations, and gift cards. The most valuable redemption pathway, however, is to transfer your points to Amex transfer partners and book incredible award travel.

Wyndham Rewards^® Earner℠ Business Card

Wyndham Rewards^® Earner℠ Business Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Wyndham Rewards Earner Business card is the best card on the market for Wyndham stays thanks to its 8x earnings and automatic Diamond status.

Learn More(at Barclays' secure site)

Wyndham Rewards^® Earner℠ Business Card

The Wyndham Rewards Earner Business card is the best card on the market for Wyndham stays thanks to its 8x earnings and automatic Diamond status.

Welcome Offer

Earn 50,000 bonus points after spending $4,000 on purchases in the first 90 days and earn 50,000 bonus points after spending $15,000 on purchases within the first 12 months.

100,000 points

Annual Fee

$95

APR

21.24% to 29.99% variable

Why We Like This Card

For frequent traveling business owners who regularly stay at Wyndham hotels, the Wyndham Rewards Earner Business card is quite the compelling card option that will allow you to get the most out of each Wyndham stay.

Not only will the card help supercharge the number of Wyndham points you’ll earn, but the automatic elite status, annual bonus points, and business protections really make the card a must-have for any Wyndham business traveler.

Pros & Cons

Pros

• 8x points per $1 spent at Wyndham hotels and gas stations
• 5x points per $1 spent on eligible marketing, advertising services, and utilities
• Automatic Wyndham Rewards Diamond elite status

Cons

• $95 annual fee

Read Full Review

Card Highlights

• Earn 50,000 bonus points after spending $4,000 on purchases in the first 90 days and earn 50,000 bonus points after spending $15,000 on purchases within the first 12 months. Free nights can require up to 30,000 points per bedroom at participating properties and are subject to availability. Resort fees may apply and cannot be paid with points.
• Earn 8 points per $1 spent on eligible purchases made at Hotels By Wyndham as well as on qualifying gas purchases.
• Earn 5 points per $1 spent on eligible marketing, advertising services, and utilities.
• Earn 1 point per $1 spent on all other purchases (excluding Wyndham Timeshare resorts down payments). That means paying bills, buying office supplies, purchasing inventory, and other business expenses can help you earn your next great vacation!
• Annual Bonus. Receive 15,000 bonus points each anniversary year–that’s enough for up to two free nights at participating properties.

• Automatic DIAMOND Level Benefits! Automatically receive a Wyndham Rewards DIAMOND member level and enjoy perks like suite upgrades, welcome amenity at check-in, and more.
• Enjoy a Cardmember Booking Discount. Wyndham Rewards Earner Business Cardmembers can save even more on our Best Available Rate at participating Hotels By Wyndham.
• Unlimited Earning. There is no limit to the number of points you can earn.
• go free^® Faster. Redeem 10% fewer Wyndham Rewards points for go free^® awards.
• Redeem your points for free nights at participating Wyndham Rewards properties, online shopping, gift cards and so much more.

Financial Snapshot

• APR: 21.24% to 29.99% variable
• Foreign Transaction Fees: 0% of the U.S. Dollar amount

The Wyndham Rewards Earner Business card is a credit card that many business owners are unaware of.

But for gas station purchases, it offers an incredible 8x Wyndham Rewards points without any caps! In addition, it has a great welcome bonus and also earns 5x points on advertising, marketing, and utilities. Beyond that, it earns 1x points per dollar.

Additionally, the perks at Wyndham are incredible: Get an annual bonus of 15,000 Wyndham Rewards points after every account anniversary, automatic Diamond status, and the ability to redeem 10% fewer points for select redemptions. You can even match your Wyndham Rewards Diamond status to Caesars Rewards.

The card also offers extended warranty, zero-liability fraud protection, cell phone insurance, no foreign transaction fees, and no-fee employee cards.

Why We Like Earning Wyndham Rewards Points

Wyndham Rewards points are best redeemed for free hotel stays. And with a valuation of 0.9 cents each, earning 8x points on gas is equal to a return on spending of 7.2%, which is fantastic.

For free night rewards, expect to redeem anywhere from 7,500 to 30,000 points per night, depending on the property you’re booking.

Ink Business Cash^® Credit Card

Ink Business Cash^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

Learn More(at Chase's secure site)

Ink Business Cash^® Credit Card

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

Welcome Offer

Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.

Up to $750

UP's Bonus Valuation*:

Up to $750

Annual Fee

$0

APR

0% intro APR on purchases for 12 months; 17.99% - 25.99% variable thereafter.

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The Ink Business Cash^® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.

When you factor in that the card has no annual fee, and 0% intro APR on purchases for 12 months; variable 17.99% - 25.99% thereafter, you could be adding big value back into your business for no cost out of pocket.

Pros & Cons

Pros

• Earn 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
• Earn 2% back on up to $25,000 spent in combined purchases at gas stations and restaurants, and 1% back on all other purchases
• Travel insurance and purchase protection

Cons

• Spending caps in bonus categories
• Low points earning outside of bonus categories

Read Full Review

Card Highlights

• Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
• Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
• Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards^®.
• 0% introductory APR for 12 months on purchases
• Member FDIC

Financial Snapshot

• APR: 0% intro APR on purchases for 12 months; 17.99% - 25.99% variable thereafter.
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

Chase Ultimate Rewards

The Ink Business Cash card is a dynamic, cash-back-earning, no-annual-fee, small business credit card.

This card earns 5% cash-back on the first $25,000 in combined purchases each account anniversary year at office supply stores and on internet, cable, and phone services.

Your small business also earns 2% cash-back on the first $25,000 in combined purchases each account anniversary year at gas stations and restaurants. That’s up to $500 per year.

All other purchases and purchases made over the anniversary year limit earn 1% cash-back.

Hot Tip: Your card anniversary year is different from the calendar year and starts on your card approval date. This is your anniversary date as long as you have that specific card.

There are several opportunities to redeem points for great value since you’re actually earning Chase Ultimate Rewards points.

In addition to cash-back, you can redeem your points for gift cards, travel, and more via Chase Travel. Basically, each point is worth 1 cent.

If you currently have a premium Chase card, you could receive up to 50% more in value after transferring points to these cards and redeeming them for travel via Chase Travel.

Using these cards, you can also combine your Ink Business Cash card points with a premium Chase card to take advantage of their ability to transfer to airline and hotel loyalty programs and receive even greater potential value.

Be aware that all Chase Ultimate Rewards-earning credit cards (personal and business) fall under the Chase 5/24 rule.

The American Express Blue Business Cash™ Card

Terms Apply / Rates & Fees

The American Express Blue Business Cash™ Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Take control of your cash-back with the Amex Blue Business Cash card, and earn 2% cash-back on up to $50,000 in purchases each year.

Learn More(at Amex's secure site)

The American Express Blue Business Cash™ Card

Take control of your cash-back with the Amex Blue Business Cash card, and earn 2% cash-back on up to $50,000 in purchases each year.

Welcome Offer

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.

$250

Annual Fee

No annual fee

APR

17.74% - 25.74% Variable,0% on purchases for 12 months from date of account opening

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

Looking for a way to keep tabs on your office supply costs and business travel expenses while earning cash-back? Then The American Express Blue Business Cash™ Card could be a good fit.

This card offers expense management solutions that are designed to give companies more control, along with a much clearer picture of their business spending. In doing so, the more you spend, the more cash-back you can earn.

Pros & Cons

Pros

• 2% cash-back on up to $50,000 in spend, then 1% back thereafter
• No annual fee
• Travel and purchase protection

Cons

• Not ideal for those who spend a lot on a specific category like groceries or gas

Read Full Review

Card Highlights

• Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
• 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% – 25.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
• Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
• From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
• The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
• No Annual Fee
• Terms Apply

Financial Snapshot

• APR: 17.74% - 25.74% Variable,0% on purchases for 12 months from date of account opening
• Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

The Amex Blue Business Cash card offers a huge opportunity for earning cash-back, so much so that cardholders will earn 2% cash-back on all purchases up to the first $50,000 each calendar year, amounting to $1,000 in savings if you reach $50,000 in total spend.

After you max out your 2% earnings, you earn a straightforward 1% cash-back. Plus, you can leverage the 0% introductory APR benefit as mentioned in the table above to minimize your credit card interest for a short while.

You don’t need to remember to redeem your rewards with the Amex Blue Business Cash card — the cash-back you earn is automatically issued as a statement credit.

The Amex Blue Business Cash card also comes with great benefits and helps you easily add and manage additional employee cards, as well.

Final Thoughts

Overall, there are plenty of travel rewards and cash-back cards that can earn lots of bonus points on gas purchases. These cards can offer more earnings and flexible redemption options than gas station-branded cards.

And don’t forget that bonus-category merchants may offer gas station-branded gift cards that could result in elevated earnings for those purchases. It can be easy to add a gas gift card to your weekly grocery purchase or when picking up a prescription at the drugstore.

Earning flexible rewards for your gas purchases, whether Amex Membership Rewards, Chase Ultimate Rewards, or Citi ThankYou Rewards, can also result in a far better return for your rewards at redemption time.

Additionally, cash-back rewards earnings could directly offset the cost of gas. For example, earning 3% cash-back on gas purchases reduces the price of a $5 gallon of gas to $4.85 — and that can add up over time.

The bottom line is that regardless of which travel rewards or cash-back cards you choose, you come out ahead by using a card that offers increased earning rates at the pump.

---

For the purchase protection benefit of The American Express Blue Business Cash™ Card, eligibility and benefit level varies by Card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

$84 Disney Bundle Credit: With your eligible enrolled American Express card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription to receive a monthly statement credit of $7. Valid only at DisneyPlus.com, Hulu.com or Plus.espn.com in the U.S.