The 6 Best Credit Cards for Gas Purchases [September 2026]
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Card | Welcome Bonus and Annual Fee | Benefits for Gas Station Purchases |
| 3x points on gas and EV charging | |
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6 Best Personal Credit Cards for Gas Station Purchases
1. Chase Sapphire Preferred® Card
BEST FIRST TRAVEL CARD
Terms Apply / Rates & Fees
U.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs 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.
A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.
A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
$1,500
$95
19.24% - 27.49% Variable
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 card application.
Why We Like This Card
The Chase Sapphire Preferred card bonus categories include travel, dining, online grocery purchases (excluding Walmart, Target, and wholesale clubs), gas, EV charging, vacation home rentals with top brands, and streaming services.
It offers flexible point redemption options, no foreign transaction fees, and strong travel insurance coverage, including primary car rental insurance. If you travel a few times a year and spend on dining, the card is likely to be a good choice, but it’s hard to justify if you don’t dine out or travel often.
Pros & Cons
Pros
- 5x points on all travel booked via Chase Travel
- 3x points on dining purchases, online grocery purchases (excluding Walmart, Target, and wholesale clubs), gas, EV charging, vacation home rentals with top brands (such as Airbnb and Vrbo), and select streaming services
- 2x points on all other travel worldwide
Cons
- $95 annual fee
- Subject to Chase’s 5/24 application restrictions
Card Highlights
- Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- Enjoy benefits such as 5x on travel purchased through Chase TravelSM, 3x on dining, 3x on vacation homes, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases
- Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Emergency Evacuation and Transportation and more
- Get a year of complimentary Apple TV when activated by December 31, 2026 – a value of $156.
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for 12 months when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
- Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck® or NEXUS application.
- Transfer points to leading airline and hotel loyalty programs
- Member FDIC
Financial Snapshot
- APR: 19.24% - 27.49% Variable
- Foreign Transaction Fees: None
Rewards Center
With the Chase Sapphire Preferred card, you earn 3x Ultimate Rewards points on gas, and the card widens the category by offering 3x points on EV charging, making it a great choice regardless of what type of car you have.
It also offers 5x points on all travel booked via the Chase Travel portal; 3x points on dining purchases, online grocery purchases (excluding Walmart, Target, and wholesale clubs), vacation homes (such as Airbnb and Vrbo), and some streaming services; and 2x points on all other travel purchases, making it a top choice for travel and daily expenses.
Despite charging an annual fee, the Chase Sapphire Preferred card comes with several benefits that easily offset the fee, including a $100 annual Chase Travel hotel credit; a Global Entry, TSA PreCheck, or NEXUS credit; a complimentary 1-year Apple TV subscription (activate by December 31, 2026); rental car insurance; trip delay insurance, and so on.
2. Chase Freedom Unlimited®
Terms Apply / Rates & FeesU.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs 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!
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
$200
$0
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
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 card application.
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
- 5% back on travel purchased through Chase Travel℠
- 3% back on dining and drugstore purchases
- 1.5% back on all other purchases
Cons
- 3% foreign transaction fee
Card Highlights
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 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 1.5% on all other purchases.
- No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
- 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 from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
- Foreign Transaction Fees: 3% of each transaction in U.S. dollars
Rewards Center
The Freedom Unlimited card earns 5% back on travel through Chase Travel, 2% back on Lyft purchases through September 30, 2027, 3% back on dining and drugstores, and 1.5% back on all other purchases. It also comes with a welcome offer that includes an introductory APR benefit, as shown in the table above.
The 1.5% cash-back on all other purchases includes gas stations because you literally earn 1.5% cash-back on any purchases not included in the bonus categories.
Remember, if you have an Ultimate Rewards credit card like the Chase Sapphire Preferred card or Chase Sapphire Reserve®, 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 purchase protection, extended warranty, secondary rental car insurance, fraud protection, and authorized users for no additional fee.
This card is good to use anywhere that you don’t already earn a better bonus for your spending.
3. Citi Strata Premier® Card
Terms Apply / Rates & FeesU.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs 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.
Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
$960
$95
19.74% to 27.74% Variable
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
Card Highlights
- Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
- Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
- Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
- Earn 1 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: 19.74% to 27.74% Variable
- Foreign Transaction Fees: None
The Citi Strata Premier card is a great option for those looking to rack up as many points as possible on their travel and daily expenses and then redeem them for top-notch travel experiences.
This card allows you to earn 10x ThankYou Points on hotels, car rentals, and attractions booked through CitiTravel.com, along with 3x points on air travel, other hotel purchases, at restaurants, supermarkets, gas stations, and EV charging stations.
Once per calendar year, you can receive $100 off a hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Assuming you plan to book at least 1 hotel stay of $500 or more each year and don’t mind doing so through Citi Travel, this $100 savings alone can offset the full cost of the card’s annual fee of $95.
This card also offers trip delay insurance, trip cancellation and interruption insurance, lost or damaged luggage insurance, secondary rental car insurance, and extended warranty.
Bottom Line: The Citi Strata Premier card offers so many options for earning bonus points, especially with its 3x bonus categories on gas, supermarkets, air travel, hotels, and restaurants. This card makes it easy to rack up points quickly!
4. Blue Cash Preferred® Card from American Express
SPECIAL OFFER
Terms Apply / Rates & FeesApply Now(at Amex's secure site)As High As $300 Cash Back. Find Out Your Offer.Good to Excellent
Terms Apply / Rates & FeesU.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs 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.
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.
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.
You may be eligible for as high as $300 cash back after spending $3,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.
As High As $300
$0 intro annual fee for the first year, then $95.
19.74%-28.74% Variable,0% on purchases for 12 months
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 card application.
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)
Card Highlights
- Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $3,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
- $0 intro annual fee for the first year, then $95.
- Enjoy 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.74%-28.74%.
- Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
- Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
- Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
- Terms Apply.
Financial Snapshot
- APR: 19.74%-28.74% 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
This card earns unlimited 3% cash-back on purchases made at U.S. gas stations. What’s very special about this structure is that the rewards you can earn on gas station purchases aren’t low, unlike with most credit cards that offer gas station bonus categories.
It also earns 6% cash-back on up to $6,000 in purchases per year at U.S. supermarkets and on some 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 structure. And you get an 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).
5. Blue Cash Everyday® Card from American Express
SPECIAL OFFER
Terms Apply / Rates & FeesApply Now(at Amex's secure site)As High As $200 Cash Back. Find Out Your Offer.Good to Excellent
Terms Apply / Rates & FeesU.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs 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!
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.
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!
You may be eligible for as high as $200 cash back after spending $2,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.
As High As $200
$0
19.74%-28.74% Variable,0% on purchases for 15 months
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 card application.
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.
Card Highlights
- Apply and find out your welcome offer. As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $2,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
- No Annual Fee.
- Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, your APR will be a variable APR of 19.74%-28.74%.
- Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
- Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
- Terms Apply.
Financial Snapshot
- APR: 19.74%-28.74% 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, which can be redeemed as a statement credit or at checkout on Amazon.com.
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 cards is that the Amex Blue Cash Preferred card gives you more cash-back earned in the same special bonus categories, but the Amex Blue Cash Everyday card has no annual fee (rates & fees). This card also earns 3% cash-back at U.S. online retailers (up to $6,000 in purchases each year).
Remember that you can add authorized users for no additional fee and take advantage of the purchase protection and fraud protection perks (rates & fees).
6. 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 ins and outs 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.
None
$0
18.99% to 26.99% 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
- 5% cash back on gas at Costco and 4% cash back on other 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: 18.99% to 26.99% Variable
- Foreign Transaction Fees: None
The Costco Anywhere card is 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 eligible gas and EV charging purchases each year. That’s up to $280 a year in earnings just on gas. After that, you earn the standard 1% cash-back rate.
You also earn 3% cash-back on all restaurant and eligible travel expenses worldwide, as well as 2% cash-back on all Costco purchases in stores and online.
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 are issued annually as a cash rewards certificate at the close of your February statement. 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 that you may have to wait up to a year to receive your rewards.
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-branded gift cards, which could result in higher earnings on those purchases. It can be easy to add a gas gift card to your weekly grocery purchase or your drugstore prescription pickup.