Personal Finance Credit Cards
Written by Jasmin Baron; edited by Katherine Fan; reviewed by Angela Fung
- Best Gas Credit Cards
- Best for 3% Back
- Best for Costco Gas
- Best Flexible Rate
- Best for Gas Guzzlers
- Best for Citi Rewards
- Best for Amex Rewards
- Best Amex Cash Back
- Best for PenFed Members
- FAQs
- Why You Should Trust Us
Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews.
The information for the following product(s) has been collected independently by Business Insider: U.S. Bank Altitude® Connect Visa Signature® Card, Citi Custom Cash℠ Card, Citi Strata Premier℠ Card, Amex EveryDay® Preferred Credit Card, U.S. Bank Altitude® Go Visa Signature® Card, U.S. Bank Cash+® Visa Signature® Card, U.S. Bank Business Triple Cash Rewards World Elite Mastercard®, Citi®Double Cash Card. The details for these products have not been reviewed or provided by the issuer.
Introduction to Gas Credit Cards
With fuel prices as high as they are, it makes more sense than ever to use one of the best credit cards that include gas stations as a bonus category. The very best credit cards for gas also earn extra points, miles, or cash back in other popular categories, like travel or dining.
Choosing the best gas credit card for you boils down to the rewards you like to earn and your overall spending habits. There are even a handful of credit cards that include EV charging stations in the gas station category — so if you drive an electric vehicle, there are still options for you to earn bonus rewards.
Here are our top credit card picks to maximize your spending at the pump.
Best Credit Card for Gas and EV Charging 2024
- Best for gas and EV charging as a 3% bonus category: Bank of America® Customized Cash Rewards Credit Card
- Best for Costco gas: Costco Anywhere Visa® Card by Citi
- Best flexible rewards including on EV charging: U.S. Bank Altitude® Connect Visa Signature® Card
- Best if gas is your biggest expense: Citi Custom Cash℠ Card
- Best Citi gas card: Citi Strata Premier℠ Card
- Best Amex gas card: Amex EveryDay® Preferred Credit Card
- Best Amex cash-back card: Blue Cash Preferred® Card from American Express
- Best gas card for PenFed Credit Union members: PenFed Platinum Rewards Visa Signature® Card
Compare the Top Gas Credit Cards
Best for gas and EV charging as a 3% bonus category
Bank of America® Customized Cash Rewards Credit Card
Insider’s Rating
Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
3.9/5
Perks
Earn 3% cash back in the category of your choice and automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases). Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases. Earn unlimited 1% on all other purchases.
Annual Fee
$0
Intro APR
0% intro APR for 15 billing cycles on purchases and on any balance transfers made within 60 days of account opening
Regular APR
19.24% - 29.24% Variable
Intro Offer
$200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening
Earn a $200 online cash rewards bonus
Recommended Credit
Good to Excellent
Pros
- No annual fee
- Broad 2% and 3% cash-back categories
Cons
- Earn 2% and 3% cash-back categories capped at $2,500 in combined purchases each quarter.
Insider’s Take
The Bank of America® Customized Cash Rewards Credit Card is worth considering if you're looking for a no-annual-fee cash-back credit card that lets you choose your highest rewards category.
Bank of America® Customized Cash Rewards Credit Card review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
- Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
- If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
- No annual fee and cash rewards don't expire as long as your account remains open.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that's currently 19.24% - 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Best for Costco shoppers
Costco Anywhere Visa® Card by Citi
Insider’s Rating
Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
3/5
Perks
Earn 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year (then 1% thereafter). Earn 3% cash back on restaurants and eligible travel purchases. Earn 2% cash back on all other purchases from Costco and Costco.com. Earn 1% cash back on all other purchases.
Annual Fee
$0
Intro APR
N/A
Regular APR
20.49% Variable
Intro Offer
N/A
Recommended Credit
Excellent
Pros
- Generous cash-back categories, especially for gas purchases
- No foreign transaction fee
Cons
- You can only receive rewards once per year
- You need to visit a Costco location to redeem rewards for cash back instead of merchandise
Insider’s Take
If you're a Costco member and you spend a lot of money on gas or EV charging, the Costco Anywhere Visa® Card by Citi card can a great option. Just remember that your rewards will only become available to you once per year, and that you'll have to visit a brick-and-mortar Costco store to get your cash back or to cash in your rewards for merchandise.
Costco Anywhere Visa® Card by Citi review External link Arrow An arrow icon, indicating this redirects the user."
Best flexible earning rate, including for EV charging stations
U.S. Bank Altitude® Connect Visa Signature® Card
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
3.9/5
Perks
Earn 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center. Earn 4X points on travel, gas stations, and EV charging stations. Earn 2X points on streaming services, plus, a $30 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more. Earn 2X points at grocery stores, grocery delivery, and dining. Earn 1X point on all other eligible purchases.
Annual Fee
$0 intro for the first year, then $95
Regular APR
21.24% - 29.24% Variable
Intro Offer
50,000 points after spending $2,000 in eligible purchases within the first 120 days from account opening
50,000 points
Recommended Credit
Excellent/Good
Pros
- Great earning rate on travel and at gas stations (4x points = 4% back)
- Bonus points on streaming services plus $30 yearly streaming credit can save you money
- Global Entry or TSA PreCheck application fee credit is worth up to $100
Cons
- Annual fee after the first year
- No airline or hotel transfer partners
Insider’s Take
The U.S. Bank Altitude® Connect Visa Signature® Card is a good choice if you're looking for a card that earns a substantial welcome bonus along with strong bonus categories for a moderate annual fee. It also offers excellent perks like Priority Pass airport lounge access, SmartDelay protection, cell phone protection, a Global Entry/TSA PreCheck application fee credit, and an annual streaming credit.
U.S. Bank Altitude Connect Visa Signature review External link Arrow An arrow icon, indicating this redirects the user."
Best if gas is your top spending category
Citi Custom Cash℠ Card
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
4/5
Perks
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Earn unlimited 1% cash back on all other purchases.
Annual Fee
$0
Intro APR
0% intro APR on balance transfers and purchases for 15 months
Regular APR
19.24% - 29.24% Variable
Intro Offer
$200 cash back, fulfilled as 20,000 ThankYou® Points, after you spend $1,500 on purchases in the first six months of account opening
Earn $200 cash back (fulfilled as 20,000 ThankYou® Points)
Recommended Credit
Excellent, Good, Fair
Pros
- Flexibility to customize rewards by earning 5% cash back on up to $500 per billing cycle in your top spending category (from a list)
- Generous welcome offer for a no-annual-fee card
- No rotating bonus categories to sign up for or track
- Redeem for cash back, travel, gift cards, and more
Cons
- Only earns 1% back outside of $500 in top spending category each billing cycle
- Foreign transaction fee of 3%
Insider’s Take
The Citi Custom Cash℠ Card offers a solid welcome bonus and 5% cash back on up to $500 in purchases in your top spending category every billing cycle. There's no annual fee and you won't need to keep track of rotating bonus categories, but keep in mind it only earns 1% back outside of your highest spend category each month.
Citi Custom Cash Card review External link Arrow An arrow icon, indicating this redirects the user."
Best for earning Citi points
Citi Strata Premier℠ Card
Insider’s Rating
Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
4.6/5
Perks
Earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked through CitiTravel.com. Earn 3X points per $1 on air travel and other hotel purchases, at restaurants, supermarkets, gas stations and EV charging stations. Earn 1X point per $1 on all other purchases.
Annual Fee
$95
Intro APR
N/A
Regular APR
21.24% - 29.24% variable
Intro Offer
75,000 bonus points after spending $4,000 in the first three months of account opening
Earn 75,000 bonus points
Recommended Credit
Good to Excellent
Pros
- Earn 3x points on most travel, restaurants, gas/EV charging, and supermarkets
- Earn 10x points on hotels, rental cars, and attractions booked via Citi Travel
- $100 annual hotel credit on a single stay of $500 or more
- No foreign transaction fees
- Trip delay/interruption benefits and lost/damaged baggage coverage
Cons
- Has an annual fee
- Citi Travel rates often are higher than retail cost of travel
Citi Strata Premier℠ review External link Arrow An arrow icon, indicating this redirects the user."
Best for earning Amex points
Amex EveryDay® Preferred Credit Card
Insider’s Rating
3.6/5
Perks Earn 3x Membership Rewards® Points at U.S. supermarkets (on up to $6,000 per year in purchases, then 1X). Earn 2x Membership Rewards® Points at U.S. gas stations. Earn 1X Membership Rewards® Points on all other purchases.
Earn 1-3 points per dollar on purchases, plus a 50% bonus for making at least 30 transactions in a billing cycle
Annual Fee
$95
Intro APR
0% intro APR on purchases and balance transfers (made in the first 60 days) for 12 months from the date of account opening
Regular APR
15.99% - 25.99% Variable
Intro Offer
15,000 points after you spend $2,000 on purchases in the first six months of account opening
Earn 15,000 points
Recommended Credit
Excellent
Pros
- Strong rewards at US supermarkets
- You can earn a 50% points bonus each billing period when you make at least 30 purchases
Cons
- Annual cap on earning bonus rewards at US supermarkets
- Not the best option for earning rewards outside of US supermarkets and US gas stations — especially if you don't make at least 30 purchases per billing statement to earn the bonus
Insider’s Take
The Amex EveryDay® Preferred Credit Card is worth considering if you want to earn valuable Amex Membership Rewards points — especially if you spend a lot on groceries, gas, or travel — without incurring a high annual fee. But you'll need to use the card at least 30 times a month to make it worthwhile.
Amex EveryDay® Preferred Credit Card review External link Arrow An arrow icon, indicating this redirects the user."
Best Amex card for cash back on gas purchases
Blue Cash Preferred® Card from American Express
On American Express's website
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
3.5/5
Perks
Earn 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). Earn 6% Cash Back on select U.S. streaming subscriptions. Earn 3% Cash Back at U.S. gas stations. Earn 3% Cash Back on transit (including taxis, rideshare, parking, tolls, trains, buses and more). Earn 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.
Annual Fee
$0 intro for the first year, then $95
Intro APR
0% intro APR for 12 months on purchases and balance transfers from the date of account opening
Regular APR
19.24% - 29.99% Variable
Intro Offer
$250 statement credit after you spend $3,000 in eligible purchases on your new card within the first six months from account opening
Earn a $250 statement credit
Recommended Credit
Good to Excellent
Pros
- Generous bonus rewards, especially at U.S. supermarkets
- One of a small handful of credit cards that offer bonus rewards on select streaming services
- Intro APR offer
Cons
- Unlike many other cash-back cards, it charges an annual fee
- If you spend more than $6,000 at US supermarkets each year, you'll want to use another card once you reach that cap
Insider’s Take
The Amex Blue Cash Preferred is one of the best cash-back cards, particularly for consumers who spend a lot of money at U.S. supermarkets, use streaming services, or have lots of commuting and gas expenses. The annual fee is worth it if your typical spending lines up with the card's bonus categories.
Amex Blue Cash Preferred Card review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- 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 19.24% - 29.99%.
- 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.
Best for gas and EV charging if you join PenFed credit union
PenFed Platinum Rewards Visa Signature® Card
Insider’s Rating
3.15/5
Perks
Earn 1-5x points on purchases
Annual Fee
$0
Intro APR
0% balance transfers promo APR for 12 months made in the first 90 days after account opening, 3% fee applies to each transaction
Regular APR
17.99% APR on balance transfers, 17.99% Variable APR on purchases
Recommended Credit
Good to Excellent
Pros
- Strong rewards on gas and groceries
- Intro APR offer on balance transfers
- No annual fee or foreign transaction fees
Cons
- Must join PenFed credit union to apply for the card
- PenFed points aren't as valuable as some other bank rewards points
- No airline or hotel transfer partners
Insider’s Take
If you bank with PenFed credit union or are willing to join, this no-annual-fee card could be a great addition to your wallet. With up to 5x points earning in popular bonus categories, it's easy to earn lots of rewards fast — but keep in mind, points are often worth less than 1 cent apiece depending on how you redeem them.
PenFed Platinum Rewards Visa Signature® Card review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- Get Rewarded on Everyday Purchases
- 5x Points on gas paid at the pump and EV charging stations
- 3x Points at the supermarket (including most Target and Walmart locations), restaurants, and TV, radio, cable, streaming services
- 1x Points on all other purchases
- 15,000 Bonus Points when you spend $1,500 in first 90 days
- 0% Balance Transfers Promo APR for 12 months, 3% fee applies to each transaction. Subject to credit approval. 0% introductory APR for 12 months on balance transfers made in the first 90 days after account opening. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 17.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
- Annual Fee: $0
- Purchase Variable APR: 17.99%
- Refer to PenFed.org for Terms/Conditions
Credit Card for Gas Reviews
A good credit card for gas and EV charging should earn more than 1% back on all eligible purchases. The best ones earn bonus points on other categories and come with bonus travel or purchase protections.
Every card reviewed here was specifically chosen as one of our best credit cards for gas in 2024 by one of Business Insider's team of personal finance and credit card experts.
Best for Gas or EV Charging as a 3% Bonus Category: Bank of America® Customized Cash Rewards Credit Card
Best for gas and EV charging as a 3% bonus category
Bank of America® Customized Cash Rewards Credit Card
Insider’s Rating
Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
3.9/5
Perks
Earn 3% cash back in the category of your choice and automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases). Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases. Earn unlimited 1% on all other purchases.
Annual Fee
$0
Intro APR
0% intro APR for 15 billing cycles on purchases and on any balance transfers made within 60 days of account opening
Regular APR
19.24% - 29.24% Variable
Intro Offer
$200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening
Earn a $200 online cash rewards bonus
Recommended Credit
Good to Excellent
Pros
- No annual fee
- Broad 2% and 3% cash-back categories
Cons
- Earn 2% and 3% cash-back categories capped at $2,500 in combined purchases each quarter.
Insider’s Take
The Bank of America® Customized Cash Rewards Credit Card is worth considering if you're looking for a no-annual-fee cash-back credit card that lets you choose your highest rewards category.
Bank of America® Customized Cash Rewards Credit Card review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
- Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
- If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
- No annual fee and cash rewards don't expire as long as your account remains open.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that's currently 19.24% - 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
If your spending habits change from time to time, having a card that allows you to customize your bonus categories can be a real plus. The Bank of America® Customized Cash Rewards Credit Card gives you the option to choose one 3% bonus category each month, from a list:
- Gas/EV charging
- Online shopping
- Dining
- Travel
- Drug stores
- Home improvement/furnishings
Along with earning 3% back in the category you choose, you'll also earn 2% back at grocery stores and wholesale clubs, up to a combined maximum of $2,500 in spending each quarter between the 3% and 2% categories (then you'll earn 1%).
If you're a Bank of America Preferred Rewards customer, the card gets even more compelling. Depending on how much you have on deposit with Bank of America and/or Merrill, you could earn 25% to 75% more rewards — that means you could earn 3.75% to 5.25% cash back on purchases in your choice category.
Read our Bank of America Customized Cash Rewards credit card review.
Best Gas Card for Costco: Costco Anywhere Visa® Card by Citi
Best for Costco shoppers
Costco Anywhere Visa® Card by Citi
Insider’s Rating
Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
3/5
Perks
Earn 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year (then 1% thereafter). Earn 3% cash back on restaurants and eligible travel purchases. Earn 2% cash back on all other purchases from Costco and Costco.com. Earn 1% cash back on all other purchases.
Annual Fee
$0
Intro APR
N/A
Regular APR
20.49% Variable
Intro Offer
N/A
Recommended Credit
Excellent
Pros
- Generous cash-back categories, especially for gas purchases
- No foreign transaction fee
Cons
- You can only receive rewards once per year
- You need to visit a Costco location to redeem rewards for cash back instead of merchandise
Insider’s Take
If you're a Costco member and you spend a lot of money on gas or EV charging, the Costco Anywhere Visa® Card by Citi card can a great option. Just remember that your rewards will only become available to you once per year, and that you'll have to visit a brick-and-mortar Costco store to get your cash back or to cash in your rewards for merchandise.
Costco Anywhere Visa® Card by Citi review External link Arrow An arrow icon, indicating this redirects the user."
The Costco Anywhere Visa® Card by Citi offers 4% cash back on eligible gas and EV charging purchases worldwide (not just at Costco gas stations) on up to $7,000 in purchases per year (then 1%). Plus, you'll earn 3% back on restaurant and eligible travel purchases worldwide, 2% back on all other purchases from Costco and costco.com, and 1% back on everything else.
There's no annual fee, but you need a Costco membership to earn rewards. While gas station earnings on the Costco Anywhere Visa® Card by Citi is excellent, the card doesn't issue cash-back the same way other cards do. You'll only receive your rewards once per year, in the form of a certificate you can redeem for cash back or merchandise at Costco. However, if your annual reward amount is greater than $10,000 you'll receive an alternative form of payment such as a check or electronic transfer.
Read our Costco Anywhere Visa card review.
Best Flexible Earning Rate, Including EV Charging Stations: U.S. Bank Altitude® Connect Visa Signature® Card
Best flexible earning rate, including for EV charging stations
U.S. Bank Altitude® Connect Visa Signature® Card
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
3.9/5
Perks
Earn 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center. Earn 4X points on travel, gas stations, and EV charging stations. Earn 2X points on streaming services, plus, a $30 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more. Earn 2X points at grocery stores, grocery delivery, and dining. Earn 1X point on all other eligible purchases.
Annual Fee
$0 intro for the first year, then $95
Regular APR
21.24% - 29.24% Variable
Intro Offer
50,000 points after spending $2,000 in eligible purchases within the first 120 days from account opening
50,000 points
Recommended Credit
Excellent/Good
Pros
- Great earning rate on travel and at gas stations (4x points = 4% back)
- Bonus points on streaming services plus $30 yearly streaming credit can save you money
- Global Entry or TSA PreCheck application fee credit is worth up to $100
Cons
- Annual fee after the first year
- No airline or hotel transfer partners
Insider’s Take
The U.S. Bank Altitude® Connect Visa Signature® Card is a good choice if you're looking for a card that earns a substantial welcome bonus along with strong bonus categories for a moderate annual fee. It also offers excellent perks like Priority Pass airport lounge access, SmartDelay protection, cell phone protection, a Global Entry/TSA PreCheck application fee credit, and an annual streaming credit.
U.S. Bank Altitude Connect Visa Signature review External link Arrow An arrow icon, indicating this redirects the user."
The U.S. Bank Altitude® Connect Visa Signature® Card has a great 4x earning rate at gas stations and on travel, and it's not capped like on some other cards. The gas station category includes EV charging stations, so this is card a good choice for all types of vehicle owners.
Cardholders also earn 2x points at grocery stores and on grocery delivery, dining, and streaming services, and 1 point per dollar on everything else.
Each point is worth 1 cent toward cash back, travel, gift cards, or merchandise, so the U.S. Bank Altitude® Connect Visa Signature® Card effectively earns 4% back at gas stations. The annual fee is $0 intro for the first year, then $95, and you'll get other perks like a Global Entry/TSA PreCheck application fee credit, streaming credits, cellphone protection, Priority Pass airport lounge access with four free visits per year, trip cancellation and interruption insurance, trip delay insurance, and SmartDelay coverage that gets you airport lounge access when your flight is delayed.
Read our U.S. Bank Altitude Connect card review.
Best if Gas is Your Top Spending Category: Citi Custom Cash℠ Card
Best if gas is your top spending category
Citi Custom Cash℠ Card
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
4/5
Perks
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Earn unlimited 1% cash back on all other purchases.
Annual Fee
$0
Intro APR
0% intro APR on balance transfers and purchases for 15 months
Regular APR
19.24% - 29.24% Variable
Intro Offer
$200 cash back, fulfilled as 20,000 ThankYou® Points, after you spend $1,500 on purchases in the first six months of account opening
Earn $200 cash back (fulfilled as 20,000 ThankYou® Points)
Recommended Credit
Excellent, Good, Fair
Pros
- Flexibility to customize rewards by earning 5% cash back on up to $500 per billing cycle in your top spending category (from a list)
- Generous welcome offer for a no-annual-fee card
- No rotating bonus categories to sign up for or track
- Redeem for cash back, travel, gift cards, and more
Cons
- Only earns 1% back outside of $500 in top spending category each billing cycle
- Foreign transaction fee of 3%
Insider’s Take
The Citi Custom Cash℠ Card offers a solid welcome bonus and 5% cash back on up to $500 in purchases in your top spending category every billing cycle. There's no annual fee and you won't need to keep track of rotating bonus categories, but keep in mind it only earns 1% back outside of your highest spend category each month.
Citi Custom Cash Card review External link Arrow An arrow icon, indicating this redirects the user."
The Citi Custom Cash℠ Card is unique because cardholders earn 5% cash back on up to $500 in purchases in the eligible category they spend the most in each billing cycle (then 1%), and 1% on all other purchases.
Gas stations are one of the eligible categories — along with restaurants, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment. If gas is a big expense for you, using the Citi Custom Cash℠ Card for your purchases could earn you up to $25 in bonus cash back per month ($500 x 5% back).
The Citi Custom Cash℠ Card is also offering a welcome bonus of $200 cash back, fulfilled as 20,000 ThankYou® Points, after you spend $1,500 on purchases in the first six months of account opening. For a card with a $0 annual fee, this is a solid deal. Just remember it only earns 1% back outside of your highest spending category each month, so other cards — like the Citi Strata Premier℠ Card — may be a better fit if you want to earn strong rewards in multiple categories.
Read our Citi Custom Cash card review.
Best for Earning Citi Points: Citi Strata Premier℠ Card
Best for earning Citi points
Citi Strata Premier℠ Card
Insider’s Rating
Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
4.6/5
Perks
Earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked through CitiTravel.com. Earn 3X points per $1 on air travel and other hotel purchases, at restaurants, supermarkets, gas stations and EV charging stations. Earn 1X point per $1 on all other purchases.
Annual Fee
$95
Intro APR
N/A
Regular APR
21.24% - 29.24% variable
Intro Offer
75,000 bonus points after spending $4,000 in the first three months of account opening
Earn 75,000 bonus points
Recommended Credit
Good to Excellent
Pros
- Earn 3x points on most travel, restaurants, gas/EV charging, and supermarkets
- Earn 10x points on hotels, rental cars, and attractions booked via Citi Travel
- $100 annual hotel credit on a single stay of $500 or more
- No foreign transaction fees
- Trip delay/interruption benefits and lost/damaged baggage coverage
Cons
- Has an annual fee
- Citi Travel rates often are higher than retail cost of travel
Citi Strata Premier℠ review External link Arrow An arrow icon, indicating this redirects the user."
The Citi Strata Premier℠ Card is a terrific all-around pick if you like earning flexible Citi ThankYou points and spend a lot in popular everyday categories. You'll earn 3x points at gas stations, restaurants, supermarkets, hotels, and on air travel, and 1 point per dollar on everything else. And, as of May 2024, this card now earns 3x on EV charging as well.
New cardholders can earn a welcome bonus of 75,000 bonus points after spending $4,000 in the first three months of account opening, and you can use points for travel through the Citi ThankYou portal, transfer them to airline and hotel partners, or redeem them for gift cards, merchandise, cash back, and more.
Read our Citi Premier card review.
Best for Earning Amex Points: Amex EveryDay® Preferred Credit Card
Best for earning Amex points
Amex EveryDay® Preferred Credit Card
Insider’s Rating
3.6/5
Perks Earn 3x Membership Rewards® Points at U.S. supermarkets (on up to $6,000 per year in purchases, then 1X). Earn 2x Membership Rewards® Points at U.S. gas stations. Earn 1X Membership Rewards® Points on all other purchases.
Earn 1-3 points per dollar on purchases, plus a 50% bonus for making at least 30 transactions in a billing cycle
Annual Fee
$95
Intro APR
0% intro APR on purchases and balance transfers (made in the first 60 days) for 12 months from the date of account opening
Regular APR
15.99% - 25.99% Variable
Intro Offer
15,000 points after you spend $2,000 on purchases in the first six months of account opening
Earn 15,000 points
Recommended Credit
Excellent
Pros
- Strong rewards at US supermarkets
- You can earn a 50% points bonus each billing period when you make at least 30 purchases
Cons
- Annual cap on earning bonus rewards at US supermarkets
- Not the best option for earning rewards outside of US supermarkets and US gas stations — especially if you don't make at least 30 purchases per billing statement to earn the bonus
Insider’s Take
The Amex EveryDay® Preferred Credit Card is worth considering if you want to earn valuable Amex Membership Rewards points — especially if you spend a lot on groceries, gas, or travel — without incurring a high annual fee. But you'll need to use the card at least 30 times a month to make it worthwhile.
Amex EveryDay® Preferred Credit Card review External link Arrow An arrow icon, indicating this redirects the user."
The Amex EveryDay® Preferred Credit Card is a good option to consider if you prefer earning transferable Amex Membership Rewards points, particularly if you frequently use your credit card.
The card earns 2x points at U.S. gas stations and 3x points at U.S. supermarkets (on up to $6,000 in purchases per year, then 1%) — But if you make 30 or more purchases in a billing cycle, you'll receive 50% more points on purchases that period. Thus, you could earn 3x points per fuel-up if you can meet or exceed the usage threshold each month.
Read our Amex Everyday Preferred card review.
Best Amex Card for Cash Back on Gas Purchases: Blue Cash Preferred® Card from American Express
Best Amex card for cash back on gas purchases
Blue Cash Preferred® Card from American Express
On American Express's website
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
3.5/5
Perks
Earn 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). Earn 6% Cash Back on select U.S. streaming subscriptions. Earn 3% Cash Back at U.S. gas stations. Earn 3% Cash Back on transit (including taxis, rideshare, parking, tolls, trains, buses and more). Earn 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.
Annual Fee
$0 intro for the first year, then $95
Intro APR
0% intro APR for 12 months on purchases and balance transfers from the date of account opening
Regular APR
19.24% - 29.99% Variable
Intro Offer
$250 statement credit after you spend $3,000 in eligible purchases on your new card within the first six months from account opening
Earn a $250 statement credit
Recommended Credit
Good to Excellent
Pros
- Generous bonus rewards, especially at U.S. supermarkets
- One of a small handful of credit cards that offer bonus rewards on select streaming services
- Intro APR offer
Cons
- Unlike many other cash-back cards, it charges an annual fee
- If you spend more than $6,000 at US supermarkets each year, you'll want to use another card once you reach that cap
Insider’s Take
The Amex Blue Cash Preferred is one of the best cash-back cards, particularly for consumers who spend a lot of money at U.S. supermarkets, use streaming services, or have lots of commuting and gas expenses. The annual fee is worth it if your typical spending lines up with the card's bonus categories.
Amex Blue Cash Preferred Card review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- 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 19.24% - 29.99%.
- 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.
TheBlue Cash Preferred® Card from American Express is a great card for those who spend a lot on gas, groceries, and commuting. Right now, it's offering a great welcome bonus too — $250 statement credit after you spend $3,000 in eligible purchases on your new card within the first six months from account opening.
It earns 3% cash back at U.S. gas stations and on transit (including taxis, rideshares, parking, tolls, trains, and buses), 6% cash back on select U.S. streaming services, 6% back on the first $6,000 spent at U.S. supermarkets each year, then 1%, and 1% back on all other eligible purchases (cash back is received in the form of Reward Dollars that can be redeemed as statement credits or at Amazon.com checkout).
Read our American Express Blue Cash Preferred review.
Best for Gas and EV Charging for PenFed Credit Union Members: PenFed Platinum Rewards Visa Signature® Card
Best for gas and EV charging if you join PenFed credit union
PenFed Platinum Rewards Visa Signature® Card
Insider’s Rating
3.15/5
Perks
Earn 1-5x points on purchases
Annual Fee
$0
Intro APR
0% balance transfers promo APR for 12 months made in the first 90 days after account opening, 3% fee applies to each transaction
Regular APR
17.99% APR on balance transfers, 17.99% Variable APR on purchases
Recommended Credit
Good to Excellent
Pros
- Strong rewards on gas and groceries
- Intro APR offer on balance transfers
- No annual fee or foreign transaction fees
Cons
- Must join PenFed credit union to apply for the card
- PenFed points aren't as valuable as some other bank rewards points
- No airline or hotel transfer partners
Insider’s Take
If you bank with PenFed credit union or are willing to join, this no-annual-fee card could be a great addition to your wallet. With up to 5x points earning in popular bonus categories, it's easy to earn lots of rewards fast — but keep in mind, points are often worth less than 1 cent apiece depending on how you redeem them.
PenFed Platinum Rewards Visa Signature® Card review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- Get Rewarded on Everyday Purchases
- 5x Points on gas paid at the pump and EV charging stations
- 3x Points at the supermarket (including most Target and Walmart locations), restaurants, and TV, radio, cable, streaming services
- 1x Points on all other purchases
- 15,000 Bonus Points when you spend $1,500 in first 90 days
- 0% Balance Transfers Promo APR for 12 months, 3% fee applies to each transaction. Subject to credit approval. 0% introductory APR for 12 months on balance transfers made in the first 90 days after account opening. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 17.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
- Annual Fee: $0
- Purchase Variable APR: 17.99%
- Refer to PenFed.org for Terms/Conditions
To qualify for the PenFed Platinum Rewards Visa Signature® Card, you'll need to be a member of the PenFed (Pentagon Federal) Credit Union. You don't need a military affiliation to join — you just need to fund a savings account with a minimum of $5, which you can do so when you apply for the card.
The PenFed Platinum Rewards Visa Signature® Card earns a whopping 5x points on gas purchases at the pump and at EV charging stations. It also earns 3x points at supermarkets, restaurants, and TV, radio, cable, and streaming services, and 1 point per dollar on everything else with no caps. Keep in mind redeeming rewards isn't straightforward — the value of your points varies depending on what you use them for (travel, gift cards, or merchandise) and there's no option to use points for cash back.
Read our PenFed Platinum Rewards Visa Signature card review.
Best Gas Credit Card Frequently Asked Questions
What credit score do you need to get a gas credit card?
You need between a good credit score and an excellent credit score to be eligible to apply for most gas credit cards on our list. This translates to a FICO score of at least 670. However, some gas station chains have their own proprietary gas cards that you can use only at gas stations. These cards tend to be easier to get approved for, but keep in mind that you'll have very little flexibility in how you earn and redeem rewards.
Are gas credit cards worth it?
Gas credit cards are easily worth it for those who drive a lot — especially now that gas prices are extra unsavory. Earning rewards for these purchases can make the price increases a little easier to bear. It's even better if you pick a card that also earns bonus rewards in other categories where you spend a lot of money. For instance, road warriors who spend a lot of overnights away from home might consider a card like the U.S. Bank Altitude® Connect Visa Signature® Card, which earns 4x on gas and travel (including hotels).
What's the best credit card for gas with no annual fee?
The best gas credit card with no annual fee depends on what other categories you spend in and the rewards you prefer to earn. If you're a Costco member, it's hard to beat the earning rate on the Costco Anywhere Visa® Card by Citi. Otherwise, the Bank of America® Customized Cash Rewards Credit Card, Chase Freedom Unlimited®, Citi Custom Cash℠ Card, and U.S. Bank Altitude® Go Visa Signature® Card are all solid options.
Does Costco gas take credit cards?
Costco takes credit cards — but it only accepts Visa credit cards at U.S. Costco gas stations (like the Costco Anywhere Visa® Card by Citi, PenFed Platinum Rewards Visa Signature® Card, and the U.S. Bank Altitude® Go Visa Signature® Card).
Why You Should Trust Us: How We Chose the Best Credit Cards for Gas
Business Insider's credit cards division works independently of our company's business division to scrutinize and compare credit cards that are targeted for various demographics. We will tell you honestly which credit card is most likely to suit your financial goals — and the pitfalls you may encounter.
We considered rewards cards that are currently available to new applicants in deciding on the top credit cards for gas purchases, along with these factors:
- Simplicity— Does the card make it easy to redeem rewards, and have a program that's easy to understand?
- Earning potential — Does the card earn generous rewards on gas, and are there other bonus categories that line up with everyday spending habits?
- Welcome bonus — Credit cards that offer a sign-up bonus or other incentives are more appealing, especially if they don't charge an annual fee.
- Options for different types of consumers — We included cards that are geared to all kinds of users, from products that earn travel points and cash-back to credit cards that earn rewards for electric vehicle charging.
View our page on how we rate credit cards to learn more about how we rate and review products.
Editor
Jasmin Baron was an editor at Insider, responsible for credit card coverage on Business Insider. Her expertise in maximizing travel rewards grew from over two decades of experience in the aviation industry, including 18 years working as a pilot and flight instructor in her native Canada.
Marketing Compliance Manager
Angela Fung is the Compliance Manager for Business Insider'sPersonal Financedivision, overseeing a team that ensures content accuracy and editorial independence so readers are always getting up-to-date and objective financial advice.The compliance team's mission is to maintain reader trust by confirming stories are fact-checked and current so that readers can make informed financial decisions. The team also works to minimize risk for partners by maintaining clear, precise language that is compliant with regulatory and partner marketing guidelines that align with the editorial team.
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Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards.
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For rates and fees of the U.S. Bank Altitude® Connect Visa Signature® Card, please click here.
For rates and fees of the Blue Cash Preferred® Card from American Express, please click here.
For rates and fees of the American Express® Business Gold Card, please click here.
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