Road trips are a unique form of travel that allows us to see the country up close and in relatively slow motion. Unlike flying, the road trip is less about efficiently traveling from point A to point B than it is about creating experiences during the journey.
For this reason, and more, planning a road trip can play a key role in the success of your adventure out on the open road.
That planning process could certainly include earning and redeeming rewards to help you fund your adventure and continuing to earn rewards along the way. Regardless of which is your primary objective, we can help you accomplish either or both.
We’re going to explore credit cards that offer elevated earnings on typical road trip expenses and cards that can add value to your journey, such as those that allow you to offset the cost of activities. We’ll even talk about credit cards that can assist you in securing free hotel nights to utilize during your trip.
Best Credit Cards for Gas Station Purchases
You’ll be filling up the gas tank often on your road trip, so you’ll want to be sure you’re earning rewards on every fuel purchase.
Here are some of the best credit cards for gas station purchases.
Blue Cash Preferred® Card from American Express
Why We Like the Card for Gas Station Purchases
The Blue Cash Preferred card earns 3% cash-back at U.S. gas stations and on transit such as buses, trains, parking, and tolls. It also earns 6% cash-back at U.S. supermarkets, which may sell gas station gift cards (up to $6,000 in purchases per year, then 1%).
Additional Card Benefits
- Secondary car rental insurance with the option to purchase premium protection for 1 low fee that covers the entire rental period
- Shopping benefits such as extended warranty, purchase protection, and return protection
- Terms Apply
Hot Tip: Gas stations often sell gift cards for restaurants, streaming services, and other road trip-related purchases you might be making during your trip. When you use a credit card that has bonus earnings at gas stations, you may be able to pick up a gift card you can use and earn additional cash-back or points.
Chase Freedom Flex℠ Credit Card
Why We Like the Card for Gas Station Purchases
Cardmembers earn 5% cash-back at gas stations when the merchant is a quarterly bonus category merchant. Gas station gift cards purchased at quarterly bonus category merchants, such as supermarkets, drug stores, warehouse clubs, etc. also earn 5% cash-back.
Additional Card Benefits
- Welcome bonus
- No annual fee
- Earns cash-back in the form of Ultimate Rewards points that can be transferred to premium Chase credit cards for up to 50% greater value when redeeming points via the Chase travel portal or transfer to airline/hotel partners
- 5% cash-back on Lyft rides through March 2025
- Free 3-month DoorDash DashPass food delivery subscription and option to purchase an additional 9 months for 50% off
- Shopping benefits such as purchase protection and extended warranty
Additional Credit Cards for Gas Station Purchases
Earn gas station program rewards, as well as credit card rewards during your road trip. Image Credit: Marathon- Hilton Honors American Express Surpass® Card — earn 6 Hilton Honors points per dollar spent at U.S. gas stations and at U.S. supermarkets (which could sell gas station gift cards), 12x points at Hilton, and 3x points on all other purchases. Terms Apply
- Blue Cash Everyday® Card from American Express — 2% cash-back at gas stations, 3% cash-back, up to $6,000 per year, at grocery stores. Terms Apply
- Bank of America® Cash Rewards Credit Card — 3% cash-back on your choice of gas stations, online shopping, dining, travel, drug stores, or home improvement/furnishings, 2% cash-back at grocery stores and wholesale clubs (up to $2,500 in purchases per quarter)
- Costco Anywhere Visa® Card by Citi — 4% cash-back at all U.S. gas stations including Costco (on the first $7,000 per year, then 1% thereafter), 3% cash-back at restaurants, and 2% on Costco purchases other than gas
For a quick look at some of the other top credit cards for gas station purchases, our article features a helpful list.
Hot Tip: In addition to earning rewards at gas stations by using a card that bonuses those purchases, you could qualify for additional rewards via the gas station’s fuel rewards program.
Best Credit Cards for Road Trip Accommodations
You’ll need a place to stay on your road trip, and fortunately, you’ll find plenty of card options for earning rewards points, receiving free hotel nights, and even enjoying complimentary elite status.
American Express® Gold Card
We like that the Amex Gold card can help you earn rewards to help fund your trip, then continue to earn rewards during your travels.
Why We Like the Card for Road Trips
Amex’s Membership Rewards program makes it easy to transfer points to Marriott Bonvoy, Hilton Honors, and Choice Privileges. When redeeming with Marriott Bonvoy or Hilton Honors, cardmembers can also receive the fifth hotel reward night free.
The Amex Gold card also has big earnings at restaurants and U.S. supermarkets.
Additional Card Benefits
- Up to $10 monthly dining credit for specific restaurants
- Trip cancellation and trip interruption coverage
- Secondary car rental coverage with the option to purchase premium protection for a low fee that covers the entire rental period
- Shopping protections such as return protection, purchase protection, and extended warranty
- Terms Apply
IHG® Rewards Premier Credit Card
Convenient locations and free breakfast make Holiday Inn Express hotels the perfect road trip choice. Holiday Inn Express Brooklyn. Image Credit: IHGIt’s difficult to imagine a road trip that doesn’t include a stay at a Holiday Inn Express property along the way.
With IHG Hotels & Resorts’ huge footprint of properties throughout the country, there’s always a place to stay nearby and you know you’ll have a warm breakfast to start each day.
Why We Like the Card for Road Trip Accommodations
On top of a generous welcome bonus that can be redeemed for several free hotel nights, the card comes with complimentary IHG One Rewards Platinum Elite status that can result in room upgrades and other hotel benefits. You’ll also receive a free hotel night certificate at each card anniversary renewal.
Additional Card Benefits
- Trip interruption and cancellation coverage
- Purchase protection and extended warranty
Chase Sapphire Preferred® Card
The Chase Sapphire Preferred card can help contribute value during your road trip by offsetting accommodation expenses.
Why We Like the Card for Road Trip Accommodations
The Chase Sapphire Preferred card earns 5x points on travel purchased through Chase Ultimate Rewards, 5x on Lyft purchases (through March 2025), 3x points on dining, and 2x points on all other travel purchases. Ultimate Rewards points transfer to IHG Rewards and cardmembers receive the fourth hotel reward night free.
You can also transfer points to World of Hyatt for good value stays starting at 5,000 points per night. Redeem your points for 25% more via the Chase travel portal, including accommodations.
Bottom Line: The Chase Sapphire Preferred offers great travel insurance benefits and why it’s a smart choice for frequent travelers.
Chase Sapphire Reserve®
The Sapphire Reserve offers great value and a source for travel funds to use during your road trip.
Why We Like the Card for Road Trip Accommodations
Similar to the Chase Sapphire Preferred card, you can transfer points to IHG Rewards (receive the fourth hotel reward night free) and World of Hyatt.
Travel, including accommodations, has 3x earnings on the Chase Sapphire Reserve card, and every travel purchase earns against the $300 travel statement credit each card anniversary year.
You can also redeem points for 50% more via the Chase travel portal, including accommodations.
Hilton Honors American Express Surpass® Card
Free hotel nights can help offset the cost of your road trip. Image Credit: Hampton Inn & Suites ManchesterThe Hilton Surpass card offers great value for those who frequent Hilton properties. With elevated earnings and complimentary Hilton Honors elite status, the card could be the perfect companion for road trip earning and redeeming.
Why We Like the Card for Road Accommodations
A great choice for Hilton Honors devotees, the Hilton Surpass card has a generous welcome bonus that can be redeemed for free hotel nights and has 12x earnings at Hilton properties, including Hampton by Hilton.
It also has 6x earnings at U.S. supermarkets and 3x earnings on every other purchase, including every road trip purchase you make.
Hilton Honors Gold status is complimentary and cardmembers receive a free weekend hotel night after spending $15,000 each card anniversary year.
Additional Card Benefits
- Spend $40,000 on the card to receive top-level Hilton Honors Diamond elite status
- Secondary car rental coverage with the option to purchase premium protection for a low price that covers the entire rental period
- Shopping protections such as return protection, purchase protection, and extended warranty
- Terms Apply
Additional Credit Cards for Road Trip Accommodations
- Marriott Bonvoy Boundless® Credit Card — redeem your earned welcome bonus for several free nights of lodging, receive 6x earnings at Marriott properties, 2 Marriott points per dollar spent on every other purchase you make, and receive a free hotel night certificate at card renewal
- The World of Hyatt Credit Card — welcome bonus that can be used for free nights, free night certificate each card renewal, 4x earnings at Hyatt
- Choice Privileges® Visa Signature® Card — budget travelers will enjoy complimentary Choice Privileges Gold status and earn 15x points per dollar spent at Choice hotel properties
- Wyndham Rewards® Visa® Card — 3x points per dollar spent at Wyndham properties, 2x points at grocery stores, gas stations and on utilities, complimentary Gold status
A hotel-branded credit card can serve to earn free nights you can utilize during your road trip, but cards that earn transferable points can also accomplish this objective.
For a breakdown of the best credit cards for hotels, including earning free hotel nights, we offer our take on the topic in this detailed article.
You’ll also enjoy our articles for specific hotel chain loyalists. If you’re a frequent Marriott Bonvoy, Hilton Honors, or World of Hyatt guest, you’ll want to check out our card comparisons for each program.
Bottom Line: Many hotel-branded credit cards also offer free night certificates at card renewal.
Best Credit Cards for Road Trip Dining
Road trips generally call for a less formal meal experience that can include picnics, carryout, mom and pop restaurants, and even food delivery. Fortunately, there are plenty of options for statement credits, earning rewards, and getting free delivery on road trip dining.
Here are a few of our recommended cards and why the cards work well for road trip dining.
It’s easy to earn rewards on every food purchase you make during your road trip, even carryout. Image Credit: Syda Productions via ShutterstockAmex Gold Card
You’ll be earning plenty of rewards with the Amex Gold card in your wallet during your trip.
- 4x earnings at restaurants
- 4x earnings at U.S. supermarkets (up to $25,000 per calendar year, then 1x), some of which sell restaurant, gas station and other road trip-related gift cards
- Up to $10 monthly dining statement credit for specific restaurants (including Grubhub delivery)
- Terms Apply
Hilton Surpass Card
- 6x Hilton Honors points per dollar spent at restaurants and at grocery stores that may sell restaurant gift cards
- Terms Apply
Costco Anywhere Card
- 3% cash-back at restaurants
- 4% cash-back at U.S. gas stations on the first $7,000 per year; 1x thereafter
- 2% cash-back at Costco (which may sell restaurant gift cards)
Citi Premier℠ Card
- 3x ThankYou Points at restaurants and on travel
- 3x ThankYou Points at grocery stores (which might sell restaurant gift cards)
Freedom Flex Card
You’ll find several ways to earn rewards on road trip dining with the Freedom Flex card.
- Quarterly bonus-category merchants offer 5% cash-back, up to $1,500 in purchases, each quarter and often include restaurants
- 5% cash-back at bonus-category merchants who may sell restaurant, gas station, and other road trip-friendly gift cards
- Free 3-month DoorDash DashPass food delivery subscription and option to purchase an additional 9 months for 50% off
Chase Sapphire Reserve Card
Road trip dining is also very rewarding when you use your Chase Sapphire Reserve card.
- 3x Ultimate Rewards points at U.S. restaurants and on travel purchases
- Free DoorDash DashPass food delivery subscription for at least 1 year (activation must occur before December 31, 2024)
- $5 monthly DoorDash credit
Chase Sapphire Preferred Card
The Chase Sapphire Preferred card is one of our favorite travel rewards cards. You’ll also find it a worthy companion for earning during your road trip.
- 2x Ultimate Rewards points at U.S. restaurants and on travel purchases
- Free DoorDash DashPass food delivery subscription for at least 1 year (activation must occur before December 31, 2024)
American Express® Green Card
- 3x Membership Rewards earning at restaurants worldwide and on travel
Hot Tip: Earn up to 20 Ultimate Rewards points per dollar spent at Restaurant.com for dining gift certificates via the Shop Through Chase portal.
Best Credit Cards for Sightseeing and Entertainment
You’re sure to be enjoying some sightseeing during your road trip, perhaps a rainy-day museum visit, or even take a tour.
We don’t often consider using our credit card rewards points for purchasing experiences but there are several ways to find good value when doing so.
Here are a few ways to offset the cost of sightseeing and entertainment during your road trip.
Chase
Ultimate Rewards-earning Chase credit cards offer an excellent option to redeem points for experiences.
Chase Ultimate Rewards points can be worth up to 1.5 cents each when redeemed for experiences. Image Credit: ChaseIn your Chase Ultimate Rewards online account, click on Things to Do at the top of the page, and type in your destination.
You’ll find a long list of activities that can be purchased using your Chase card or with Ultimate Rewards points.
Hot Tip: Ultimate Rewards points transferred to premium Chase cards such as the Chase Sapphire Preferred card and Chase Sapphire Reserve card can receive up to 50% more value when redeemed for travel, including lodging and experiences, via the Chase travel portal.
American Express
While you can’t use Membership Rewards earned on your Amex cards to purchase activities directly, you can transfer your points to airline partners and book vacation packages or experiences that can include theme park tickets, boat rides, museum entrance passes, and much more.
Amex cards that earn transferable Membership Rewards points include:
Additional Cards for Sightseeing and Entertainment Purchases
Here are some additional card options to use for sightseeing and entertainment purchases.
Bank of America
For those who hold credit cards issued by Bank of America, Merrill, or U.S. Trust, the “Museums on Us” days offer free admission for cardholders to hundreds of cultural institutions throughout the country.
Bank of America cardholders enjoy free entrance to over 200 cultural institutions during “Museums on Us” days. Image Credit: Bank of AmericaYou can find participating institutions by checking the Museums on Us website.
To learn more about the best Bank of America rewards-earning credit cards, we’ve put together a thorough overview.
Citi
Citi Premier Card
The Citi Premier card is a great card to have in your wallet during a road trip as the card earns 3x ThankYou Points per dollar spent on travel (including gas stations), on dining, and at grocery stores. You’ll earn 2x on specific entertainment purchases.
And while the best redemption option for those points is transferring to partner airlines and flight redemptions, it is also possible to redeem ThankYou Points on gift cards for golf, dining, grocery stores, and other road trip-friendly merchants.
Redeem your ThankYou Points for a variety of gift cards. Image Credit: CitiNever redeem your ThankYou Points for less than 1 cent in value per point, however, and watch for special deals in your Citi card account for gift cards that can be purchased with ThankYou Points.
Best Credit Cards for Road Trips — Summary
Selecting the right credit card can help offset your road trip expenses. Image Credit: Alex Mares via UnsplashThere is no doubt that a road trip is a perfect opportunity to earn and redeem rewards points or cash-back.
Let’s now recap the cards we’ve mentioned in our article and summarize the value offered by each card when planning for or executing your road trip.
| Credit Card | Road Trip Benefits |
| Blue Cash Preferred card | - 3% cash-back at U.S. gas stations, 6% cash-back at U.S. supermarkets (up to $6,000 annually, 1% thereafter) and on transit such as buses, trains, parking, and tolls
- Terms Apply
|
| Blue Cash Everyday card | - 3% cash-back at U.S. supermarkets (up to $6,000 per year in purchases), 2% cash-back at U.S. gas stations
- Terms Apply
|
| Freedom Flex card | - 5% cash-back at quarterly bonus category merchants and gift cards purchased at quarter bonus category merchants
- Complimentary DoorDash DashPass for 3 months, 50% discount for an additional 9 months
- Ultimate Rewards points can be transferred to premium Chase cards to receive up to 50% more in value when redeemed for travel including lodging and experiences or transferred to airline/hotel partners
|
| Amex Gold card | - 4% cash-back at U.S. supermarkets (up to $25,000 in purchases per calendar year) and restaurants
- Up to $10 monthly food credit at select restaurants
- Transfer Membership Rewards points to hotel partner programs such as Choice Privileges, Marriott Bonvoy, and Hilton Honors and redeem for free hotel nights
- Terms Apply
|
| Hilton Surpass card | - 12x earnings at Hilton
- 6x earnings at U.S. supermarkets and U.S. restaurants
- Spend $15,000 on the card per anniversary year for free hotel night certificate
- Terms Apply
|
| IHG Premier card | - Free hotel night certificate at each card anniversary
- Complimentary IHG One Rewards Platinum Elite status
- 26x earnings at IHG (10x on card purchases + 16x for Platinum status bonus)
|
| Hyatt Credit Card | - 4x earnings at Hyatt
- 2x earnings at restaurants, on transit, flights purchased with airlines, gyms, and fitness
- Free hotel night certificate at each card anniversary
|
| Costco Anywhere card | - 4% cash-back at gas stations including Costco gas stations, up to $7,000 in purchases per year; 1% thereafter
- 3% cash-back at restaurants and on travel
- 2% at Costco
|
| Chase Sapphire Reserve card | - 3x earnings on dining and travel
- 10x earnings on Lyft purchases (through March 2025)
- Transfer Ultimate Rewards points to hotel partners 1:1
- $300 travel statement credit each card anniversary year
- 1.5 cents per point for booking travel, including hotel rooms and experiences via Chase travel portal
- Free DoorDash DashPass for at least 1 year from activation
- $5 monthly DoorDash credit
- Roadside assistance benefit with 4 free service calls, up to $50 each, per calendar year
|
| Chase Sapphire Preferred card | - 2x earnings on dining and travel
- 5x earnings on Lyft purchases (through March 2025)
- Transfer Ultimate Rewards points to hotel partners 1:1
- Receive 1.25 cents per point for booking travel, including hotel rooms and experiences via Chase travel portal
- Free DoorDash DashPass for at least 1 year from activation
|
| Marriott Boundless card | - Free hotel night each card anniversary
- Marriott Bonvoy Silver elite status
- 6x earnings at Marriott
- 2x earnings all other purchases
|
| Bank of America Cash Rewards card | - 3% cash-back on your choice of gas stations, online shopping, dining, travel, drug stores, or home improvement/furnishings
- 2% cash-back at grocery stores and wholesale clubs up to $2,500 in purchases per quarter
- Free admission for cardholders during “Museums on Us” days
|
| Citi Premier card | - 3x ThankYou Points on travel, dining, and at grocery stores
- 2x ThankYou Points on entertainment
|
| Amex Platinum card Amex Green card | - Complimentary Gold Elite status with Marriott Bonvoy and Gold status with Hilton Honors with the Amex Platinum card
- Transfer Membership Rewards points to hotel partner programs such as Choice Privileges, Marriott Bonvoy, and Hilton Honors and redeem for free hotel nights
- Amex Green card earns 3x points on restaurants worldwide and on travel
- Terms Apply
|
| Venture card VentureOne card | - Venture card earns 2 miles per dollar spent on every purchase, VentureOne card earns 1.25 miles per dollar spent
|
| Wyndham Rewards card | - 3x points at Wyndham
- 2x points at grocery stores and gas stations
- Complimentary Wyndham Rewards Gold status
|
| Choice Privileges card | - 15x points at Choice properties
- 2x points all other purchases
- Gold status
- Spend $10,000 on the card each anniversary year for a free night certificate
|
Final Thoughts
Whether your objective is to earn rewards in advance to offset the cost of your journey or earn rewards during your road trip, selecting the right card can make an economic difference in your total bottom-line road trip expenses.
Selecting a card that will provide free hotel nights, for example, can offer tremendous value. Purchasing road trip-related gift cards with a rewards-earning card at the grocery store or other eligible bonus category merchants will allow you to earn rewards while prepaying for expenses you’d normally incur during your trip.
It’s worth noting that not all bonus-category merchants will allow you to purchase gift cards with a credit card, although most will. Your experience will vary based on the merchant and location.
The information regarding the Chase Freedom Flex℠ Credit Card, Bank of America® Cash Rewards Credit Card, Choice Privileges® Visa Signature® Card, Wyndham Rewards® Visa® Card, Radisson Rewards™ Premier Visa Signature® Card, American Express® Green Card, Capital One Venture Rewards Card, Hilton Honors American Express Surpass® Card, and Capital One VentureOne Rewards Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
For rates and fees of the Blue Cash Preferred® from American Express, click here.
For rates and fees of the American Express® Gold Card, click here.
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