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

Gas station with clouds sky and sun light

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Gas prices change all the time, and filling up at the pump can definitely add up. Why not earn bonus points for something that most of us have to purchase on a regular basis?

Last year it was estimated that Americans spent almost $2,000 on gas purchases. That can add up to a lot of travel rewards or cash-back!

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

We want to make sure you know which credit card will give you the best travel rewards and cash-back for each dollar you spend at the pump.

If you’re only getting your basic standard reward earning rate on your gas purchases (like 1 point per dollar) then this guide is for you!

Do I Need a Gas Station-Specific Credit Card?

Shell gas station
Image Credit: Shell

We all probably see advertisements for gas station-specific credit cards when we fill up at the pump. These cards can offer some enticing rewards, but often they limit you to that specific gas station.

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

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

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

Travel rewards and cash-back credit cards can give you the freedom to be able to fill up without limiting yourself to a specific gas station brand, thus increasing the flexibility of how you redeem your rewards.

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

Here we’ll break it down to match your point earning style, with the best personal and small business credit cards to earn travel rewards and cash-back for gas purchases.

Best Credit Cards for Extra Travel Rewards for Gas Purchases

We love travel rewards credit cards, and we love when we earn extra bonus points on purchases we make regularly, like gas.

Here are our favorite credit cards to earn extra points on gas purchases:

Blue Cash Preferred® Card from American Express

The Blue Cash Preferred card is basically an upgraded version of the Blue Cash Everyday® Card from American Express. It offers an identical rewards structure in the form of reward dollars that can be redeemed as a statement credit.

The major difference is an increase in the amount of cash-back you earn in the same special bonus categories, but it does have an annual fee.

This card earns an unlimited 3% cash-back on purchases made at U.S. gas stations. It also earns 6% cash-back on up to $6,000 in purchases per year (then 1%) at U.S. supermarkets. All other purchases earn the standard 1% cash-back reward.

Hot Tip: In addition to earning cash-back on U.S. supermarkets and U.S. gas stations, the Blue Cash Preferred card also earns 6% on select U.S. streaming subscriptions and 3% cash-back on transit including taxis/rideshare, parking, tolls, trains, buses, and more. For more information, check out our detailed guide to the benefits of the Blue Cash Preferred card.

You can also start earning cash-back even before your card arrives! American Express 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 Blue Cash Preferred card earns more cash-back on bonus categories compared to the Blue Cash Everyday card (like the unlimited 3% cash-back on U.S. gas purchases), but it also comes with an annual fee.

This card also offers the usual benefits and protections that American Express provides to safeguard your purchases.

Blue Cash Everyday® Card from American Express

The Blue Cash Everyday card offers a cash-back rewards program that earns reward dollars that can be redeemed as a statement credit.

This card has provides some easy opportunities to earn extra cash-back on everyday purchases. You earn 2% cash-back on all purchases at U.S. gas stations and select U.S. department stores with no limit.

Note: You can’t earn the extra 2% cash-back on gas purchases made at supermarkets or warehouse clubs. Selling gas must be the primary business of the gas station in the U.S. for it to count.

Hot Tip: You can earn extra cash-back on purchases made inside the gas station’s convenience store.

Earn even more cash-back using this card at U.S. supermarkets, with 3% cash-back on up to $6,000 per year in purchases. After that (and on all other purchases), this card earns 1% cash-back.

Since it’s offered by Amex, the Blue Cash Everyday card offers lots of extra protection and benefits for your everyday purchases.

Bottom Line:The Blue Cash Everyday card is a great cash-back earning credit card that offers an unlimited 2% cash-back on U.S. gas purchases.

Travel planning with map
Photo Credit:

Hot Tip: We’ve composed the ultimate guide to the Membership Rewards program to help you understand how to make the most out of your points.

Hilton Honors American Express Surpass® Card

Hilton Seychelles Labriz Resort & Spa
The Seychelles is a dream destination, and the Hilton Seychelles Labriz Resort & Spa is the perfect place to stay after earning a ton of bonus points from your gas purchases. Image Credit: Hilton

Formerly known as the Hilton Honors Ascend Card, the Hilton Surpass card is a great card for gas purchases, especially if you stay or are looking to stay at Hilton hotels since it comes with a lot of other benefits.

This card earns 6x points for each dollar on eligible purchases made at U.S. gas stations, which is probably one of the highest category bonuses on any card for gas stations.

It also earns the 6x points for eligible purchases made at U.S. grocery stores and U.S. restaurants, something a gas station-specific card won’t give you.

If you like staying at Hilton hotels, this card will earn you 12x points on all charges made directly with participating Hilton hotels and resorts.

All other purchases will earn 3x points, and there is no limit to the number of points you can earn!

Hot Tip: Looking for other ways to earn Hilton points? There are plenty of ways to earn lots of Hilton Honors points.

The more points you earn, the faster you’ll be on your way to staying at some incredible Hilton properties. We’ve even found the best ways to redeem your Hilton Honors points for some incredible destinations like the Maldives and London.

This card does come with an annual fee, but it offers additional benefits for Hilton Honors members and those who like staying at Hilton hotels. For instance, Hilton Honors members who get this card will instantly become Gold members in the rewards program.

One of our favorite benefits of Gold status with Hilton Honors is complimentary breakfast when you stay at participating Hilton hotels and resorts. This benefit alone can help make up the cost of the annual fee if you use it enough!

Big spenders can earn the ability to reach Hilton Honors Diamond status if they spend $40,000 on the Hilton Surpass card in a calendar year — those benefits can get you some incredible upgrades.

You will also receive a free weekend night at Hilton hotels and resorts when you spend at least $15,000 in eligible purchases in a calendar year.

Bottom Line: The Hilton Surpass card earns a ton of bonus points on much more than just Hilton properties (12x points). It also earns 6x at all U.S. gas stations, supermarkets, and restaurants. That can earn a lot of points!

Best Credit Cards for Cash-Back for Gas Purchases

Young man refueling a car at a petrol station
Fill up at Costco for 4% cash-back. Image Credit: Monkey Business Images via Shutterstock

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

There’s also plenty of opportunities to earn even more cash-back on purchases like gas and other categories, so let’s see what credit cards are best for extra cash-back on gas purchases:

Chase Freedom Unlimited® Card

The Freedom Unlimited card earns 5% back on travel through Chase Ultimate Rewards, 3% back on dining and drugstores, and 1.5% back on all other purchases.

That obviously includes gas stations, because you literally earn 1.5% cash-back on any purchases no included in the bonus categories. 

There is also no annual fee.

You won’t need to remember to register for a special bonus, and you won’t need to know where the best place to use this credit card is.

This makes it a great option to use anywhere that you don’t already earn a better bonus for your spending.

Your cash rewards never expire as long as you keep your account open, and redeeming your points is easy and instant. This card also comes packed with benefits.

Hot Tip: Your cash reward points are technically Chase Ultimate Reward points. If you have another Chase travel rewards credit card like the Chase Sapphire Preferred® Card, you can transfer your cash reward points 1:1 to take advantage of the travel redemptions benefits of that card.

Overall, the Freedom Unlimited card is an easy card to carry around with you, since you will always earn 1.5% cash-back on all purchases outside of the bonus categories, including gas!

Citi Premier℠ Card

Citi ThankYou Rewards Portal Review
Citi ThankYou Rewards Portal. Image Credit: Citi

The Citi Premier Card is a great travel rewards card that offers no foreign transaction fees and a flexible rewards program. It does have 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 generous broadly defined travel categories.

You will earn 3x points on all travel-related expenses, including gas stations. Travel expenses also include airfare, hotels, public transportation, parking fees, ride-sharing services like Uber, and much more.

Earning bonus points with this card doesn’t end with travel: you will earn 2x points on dining and entertainment, which includes coffee shops, concerts, music downloads, and more.

Bottom Line: The Citi Premier card offers so many options to earn bonus points, especially with their generous definitions of travel, dining, and entertainment. It makes it easy to earn 3x points on all gas and travel and 2x points on dining and entertainment.

These points are part of the ThankYou rewards program. ThankYou Points can be redeemed for travel using Citi’s travel center, but can also be redeemed for gift cards, merchandise, and at select merchants for 1 cent per point.

You can also easily transfer your ThankYou Points to a growing list of airline loyalty programs to add extra flexibility and value.

Hot Tip: Looking for other ways to redeem your points? Check out our in-depth guide on the best ways to redeem your Citi ThankYou Points.

Costco Anywhere Visa® Card by Citi

The Costco Anywhere card is available exclusively for 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 gas purchases worldwide, not just Costco. That’s up to $280 a year just on gas. Then you’ll earn the standard 1% cash-back rate.

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

Costco Anywhere Visa Card Benefits
Image Credit: Costco

There is no annual fee — you just need to be a Costco member, which starts at just $60 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. Only then can they be redeemed for cash or purchases at Costco.

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

Best Small Business Credit Cards for Gas Purchases

Business Meeting
Image Credit: Monkey Business Images via Shutterstock

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

Here are our picks for the best small business credit cards for gas purchases:

The Business Platinum Card® from American Express

If gas is guzzling your monthly business expenses, you’ll need a card that rewards every dollar spent. The Amex Business Platinum card offers 5x Membership Rewards points on gas purchases and is a premium travel rewards card that comes with many premium travel benefits you can use.

All gasoline purchased at U.S. gas stations earns 5x Membership Rewards points (up to 80,000 points) through June 30, 2021, for existing cardholders prior to November 1, 2020, or new cardholders for 3 months. Unfortunately, superstores, supermarkets, and warehouse clubs that sell gasoline are not considered gas stations.

This card also delivers powerful returns for flights and prepaid hotels booked through Amex Travel, earning 5x points per dollar spent. Every other purchase you make earns at least 1 Membership Rewards point per dollar spent and there is no limit on the amount of Membership Rewards points you can earn.

If you travel frequently, you’ll enjoy complimentary access to over 1,300 airport lounges worldwide, including the prestigious Centurion Lounge network, as well as hotel elite status with Marriott Bonvoy and Hilton Honors. The card also comes with up to $200 in airline fee credits, a 35% points rebate on flights with your selected qualifying airline booked through Amex Travel, and a Global Entry or TSA PreCheck fee statement credit.

Blue Business Cash™ Card from American Express

The Amex Blue Business Cash card offers a huge opportunity for a lot of 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!

The savings don’t stop there, after the first $50,000, the card will still earn an uncapped 1% cash-back on the rest of your business purchases for the rest of the year, leaving no limit to the amount of cash-back you can earn.

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.

Image Credit: Malochka Mikalai via Shutterstock

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

American Express® Business Gold Card

The Amex Business Gold card is a travel rewards-earning card that earns 4x Membership Rewards points on the 2 select categories where your business spent the most each month — and gas stations are one of those options.

There are 6 business expense categories that are eligible to earn 4 points per $1 spent:

You will earn 1x points on all other purchases and for purchases made over the $150,000 cap on the 4x bonus.

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

Your Membership Rewards points can be redeemed for your business travel expenses by booking directly with American Express, or by transferring your points directly to a number of participating airline and hotel loyalty programs.

You can also use your reward points to purchase that nice espresso machine for the office or take that special client out to a nice dinner.

Don’t be afraid to take this card with you on your international business trips, too!

Amex logo against mountains
Image Credit: American Express

Ink Business Cash® Credit Card

The Ink Business Cash card is a cash-back earning small business credit card that can be used for travel rewards as well.

It has no annual fee and is currently offering a 0% APR on purchases and balances transfers for the first 12 months. After that, an ongoing variable APR (currently 14.74% to 20.74%) will apply.

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

Your small business will also earn 2% on the first $25,000 in combined purchases each account anniversary year at gas stations and restaurants. That’s up to $500 a year!

Learn more about the perks offered by this card in our piece outlining the most valuable Ink Business Cash card benefits.

Hot Tip: Your anniversary year is different from the calendar year, and starts when you first opened your account.

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

When earning your cash-back rewards, you will have plenty of opportunities to redeem them for some excellent benefits since you are actually earning Chase Ultimate Rewards. When you log into your account, you will see a reward point balance, which can then be used for cash-back.

Chase Travel Portal - cash back 2
Image Credit: Chase

You can also redeem for other things like gift cards, travel, and more through Chase Ultimate Rewards portal. Basically, each point is worth 1 cent.

If you already have an Ink Business Preferred® Credit Card, Chase Sapphire Reserve® Card, or Chase Sapphire Preferred card from Chase, you can do even more with your points.

Using these cards, you can combine your Ink Business Cash card points with one those cards to take advantage of the ability to transfer to airline and hotel loyalty programs.

Bottom Line: This $0 annual fee credit card offers 2% cash-back at gas stations on the first $25,000 per anniversary year. By earning Chase Ultimate Rewards points, it also gives the opportunity to take advantage of their rewards transfer program if you already have one of those cards.

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

Final Thoughts

Overall, there are plenty of travel rewards and cash-back credit cards that can earn you lots of bonus points on gas purchases. You do not need a gas station specific credit card to earn rewards.

You should consider how easy it will be for you to manage a credit card specifically for gas purchases like the Blue Cash Preferred card, or whether you want something like the Freedom Unlimited card.

You will also want to consider what other benefits your rewards-earning credit card can offer.

With programs like Chase Membership Rewards and Citi ThankYou, you can get even more value out of your points and cash-back when transferring to airline or hotel loyalty programs.

We just want to be sure that as gas prices rise, so does your points and cash-back balance — because no one wants to spend more money on gas than they need to without being rewarded!

The information for the Hilton Honors American Express Surpass® Card, Citi Premier℠ Card, Chase Freedom Unlimited®, and Chase Freedom Flex℠ Credit Card has been collected independently by Upgraded Points. The card details on this page have not been reviewed or provided by the card issuer.

For rates and fees of the Blue Cash Preferred® from American Express, click here.
For rates and fees of the Blue Cash Everyday® Card from American Express, click here.
For rates and fees of the American Express Blue Business Cash™ Card, click here.
For rates and fees of The Business Platinum Card® from American Express, click here.
For rates and fees of the American Express® Business Gold Card, click here.

Frequently asked questions

Do I need a gas station-specific credit card to earn rewards?

No. In fact, some gas station-specific credit cards limit your ability to maximize your earning potential since you are usually limited to that specific gas station. Other travel rewards and cash-back credit cards offer bonus points on a wider range of gas stations.

Can I earn unlimited rewards on gas purchases?

It depends. Some credit cards will cap the number of bonus points you will get for spending at gas stations. For example, some cards will only offer bonus points on the first $5,000 in gas purchases in a calendar year or anniversary year. Other cards do offer unlimited rewards.

Are bonus rewards on gas purchases instant?

Most of the time the savings from the bonus category is not instant. With some cash-back cards, you will have to choose to redeem your rewards as a statement credit. Other cards only issue rewards once a year. It’s important to understand how to redeem your rewards before committing to a rewards-earning credit card.

Alex Miller

About Alex Miller

Alex has been traveling for over 25 years and from a young age was lucky enough to set out on numerous family trips all over the world, which gave him the travel bug. Alex has since earned millions of travel points and miles, mainly through maximizing credit card sign-up bonuses and taking every opportunity to earn the most points possible on each dollar spent.

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  1. gloria levitas November 24, 2020

    Which secured cards, for persons with no or poor credit, offer cash back on gas?


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