WalletHub GAS CREDIT CARD COMPARISON
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- $0 annual fee
- Good welcome bonus offer
- High rewards rate
- Spending caps on rewards
- 2.7% foreign transaction fee
- Balance transfer fee
- No membership fees
- High rewards rate
- 20,000 points initial rewards bonus
- No foreign fee
- No intro APR
- 20,000-point initial bonus
- 3 points / $1 spent in bonus categories
- $0 annual fee
- 0% for 12 months from account opening on purchases intro offer
- $600 in cell phone protection (subject to a $25 deductible)
- 20.24% - 29.99% Variable regular APR
- No balance transfer promotion
- Rewards earned in the first year get doubled
- Up to 5% cash back
- No annual fee
- 0% intro rates for 15 months
- Potential for a very high regular APR
- Bonus reward categories rotate, require quarterly signup and limit earnings
- Balance transfer fee
- $250 statement credit initial bonus offer
- Low intro APR on purchases and balance transfers
- High rewards rate
- Annual fee starting second year
- Above-average regular APR
- 2.7% foreign-transaction fee
- No membership fees
- 0% intro APR on balance transfers
- High rewards rate
- $200 initial rewards bonus
- Above-average regular APR
- 60,000 points initial bonus
- 3 points per $1 spent on travel, gas, dining and at supermarkets (1 point per $1 on everything else)
- No foreign-transaction fees
- $95 annual fee
- No 0% intro rates
- High regular APR
- $200 initial bonus
- $0 annual fee
- Up to 5% cash back
- 0% introductory APRs
- Bonus rewards limit
- High regular APR
- Foreign transaction fee
- $0 annual fee
- High rewards rate
- 40,000 points initial rewards bonus
- No foreign transaction fee
- No intro APR on purchases
- No intro APR on balance transfers
- Requires good/excellent credit
- High rewards rate
- Bonus rewards categories
- Qualify with bad credit
- Does not require security deposit
- High membership fees
- High regular APR
- Foreign fee
Popular Gas Station Credit Cards in 2024
If you’d prefer not to pay an annual fee, the PenFed Platinum Rewards Visa Signature® Card is another great gas rewards credit card to consider. It gives 5 points per $1 spent on gas at any station and has a $0 annual fee. Plus, anyone can join Pentagon Federal Credit Union.
There are plenty of rewarding gas cards to choose from, though. And the table below will show you how the top offers compare in key categories.
Gas Credit Cards Comparison
| Credit Card | Categories | Gas Rewards |
| Blue Cash Preferred® Card from American Express | Winner | 3% cash back |
| Citi Premier® Card | Travel | 3 points per $1 spent |
| Discover it® Secured Credit Card | Bad Credit | 2% cash back |
| Costco Anywhere Visa® Card by Citi | Costco Members | Up to 4% cash back |
| PenFed Platinum Rewards Visa Signature® Card | Points at Any Station | 5 points per $1 spent |
| Ink Business Cash® Credit Card | Businesses | Up to 2% cash back |
For the full list of what our editors consider to be the most rewarding gas station cards on the market right now, check out our Best Gas Credit Cards page.
Learn More About Gas Credit Cards
Just like you have options at the pump when filling your car’s tank with gas, you have choices when it comes to how exactly you’re going to pay for that type of purchase. To help you make the right call, we’ll highlight the answers to some common questions people have about gas credit cards below.
Gas Credit Card Rewards
Gas credit cards offer rewards in the form of cash back, points, miles or discounts at the pump. It’s natural to seek out whichever card offers the most rewards on paper. But in reality, whether you’re looking for a gas credit card, an airline credit card, a hotel credit card or another type of rewards card, the offer with the highest rewards rate won’t necessarily be the most lucrative for you. For example, a card affiliated with a specific gas-station chain might offer the highest cash-back rate, but if it’s inconvenient for you to fill up there, the extra rewards won’t do you much good.
Gas Credit Card Credit score
The best gas rewards credit cards require good credit or excellent credit for approval. Applicants with a credit score of 700 or higher have the best chances of being approved for a good gas credit card.
Gas cards are available to people of all credit scores, however, so there is no specific minimum credit score required. But the lower your credit score is, the less likely you are to get a credit card with gas rewards. You might be limited to a gas-station card that provides convenience but few other perks.
Gas Credit Card Types
There are several types of gas credit cards to choose from. Some are affiliated with a particular gas-station chain and only give you bonus gas rewards when you fill up there. Others reward you the same at all stations.
Unless you already get gas from a single chain, or can easily begin doing so, we recommend a gas card that rewards you everywhere. If you have to drive out of your way to find a particular station, or if that station charges more than its neighbors, any extra rewards you might earn with a station-specific gas card won’t net you very much.
You can check your latest credit score for free on WalletHub.
About the Author
John S Kiernan
Gas Credit Cards FAQ
Comparing gas credit cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered. WalletHub independently collected information for some of the cards on this page.show more
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What are the best credit cards for gas purchases only? Reply
One of the best credit cards for gas purchases only is the Shell Gas Card. This card can only be used at Shell stations, and it has a $0 annual fee as well as excellent rewards on Shell purchases, including at least 10¢ / gallon off every time you get gas.
Specifically, you can get a discount of 30¢ per gallon (up to 35 gallons) on your first 5 Shell fuel purchases made by 4/30/2025, savings of 10¢ per gallon (up to 20 gallons) each fill up after that, and 10% Shell rebates on $1,200 in non-fuel Shell purchases per year.
It is worth noting that these credit cards can only be used at the gas stations they’re affiliated with. But they’re still worth applying for if you frequently use a certain gas station, as you’ll generally receive discounts on fuel in exchange.
Some of the Best Credit Cards for Gas Purchases Only
- Best for Shell Purchases: Shell Gas CardShell Gas CardLearn MoreLearn More
- Best for Sunoco Purchases: Sunoco Gas CardSunoco Gas CardLearn MoreLearn More
- Best for CITGO Purchases: CITGO Gas CardCITGO Gas CardLearn MoreLearn More
- Best for Chevron and Texaco Purchases: Chevron and Texaco Gas CardChevron and Texaco Gas CardLearn MoreLearn More
- Best for ExxonMobil Purchases: ExxonMobil Gas CardExxonMobil Gas CardLearn MoreLearn More
Keep in mind that you can usually use these cards inside gas stations as well, so they are not exclusively for gas purchases. You just can’t use them anywhere else.
Some of these specialized store credit cards also have counterpart Visa or Mastercard credit cards that are accepted everywhere – not just at gas stations. Some of their applications will actually consider you for the Visa or Mastercard version first– such as the Chevron and Texaco Gas Card. So, be sure to read the fine print before you apply.
What are the best gas credit cards?
Gas credit cards can give you as much as 5% back on gas purchases, either at any gas station or at a specific chain, depending on the card. To point you in the right direction, we evaluated the gas credit cards in our database of 1,500+ credit card offers and selected the top gas cards using WalletHub's proprietary 100-point credit card rating system.
Before you buy gas with a gas credit card, check to see if the gas station charges extra for credit card purchases. Using your gas credit card is only worth it if the rewards you'll earn make up for or exceed the extra charge.
If you always purchase a certain brand of gas, your best bet is to get a card associated with that gas station. Otherwise, get a card that offers a solid rewards rate on all gas purchases no matter the brand, so that you can be flexible about where you fill up your tank.
- Citi Premier® Card: Best for Good Credit
- PenFed Platinum Rewards Visa Signature® Card: Best Credit Union Card
- Citi Double Cash® Card: Best for Fair Credit
- U.S. Bank Business Altitude™ Connect World Elite Mastercard®: Best for Small Business
- Navy Federal Credit Union More Rewards American Express® Credit Card: Best for Gas & Transit
- Bank of America® Customized Cash Rewards Secured Credit Card: Best for Rebuilding Credit
WalletHub's best credit card picks and ratings are completely independent and not provided, commissioned, or endorsed by any issuer. In addition, our editors follow a strict editorial policy. Some offers may come from WalletHub's advertising partners. WalletHub independently collected information for some of the cards on this page.
What are the best easy approval gas credit cards? Reply
The best easy approval gas credit cards is the Bank of America® Customized Cash Rewards Secured Credit Card. It’s relatively easy to get approved for this card even if you have bad credit, and you will enjoy a $0 annual fee as well as rewards that include 1 - 3% cash back on purchases. The high rewards rate is eligible for gas purchases and there are no restrictions on what gas stations are eligible for rewards, so it’s one of the most flexible options.
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Are gas cards worth it? Reply
Yes, gas cards are worth it because the best gas credit cards provide rewards or discounts on fuel purchases and usually have $0 fees. It makes sense to consider a gas credit card if you drive a lot or commute to work regularly, especially if you always get gas from the same gas-station chain.
There are several different types of gas cards to choose from. Some, like the Shell Gas Card, can be used only for purchases at...
What are the top gas credit cards for instant approval? Reply
Just about all gas station credit cards offer instant approval (or denial), especially when you apply online, but credit card companies never guarantee an instant decision. You’re most likely to receive instant approval if you apply for one of the easiest gas cards to get.
In general, your chances for instant approval are high if you apply for a card where your credit score exceeds the minimum required. But issuers consider many factors on an application, such as...
What credit score do you need for a gas card? Reply
You’ll need a 700 credit score or higher for most gas cards. This means at least good credit is required for approval. However, you can find good credit cards that earn high rewards from gas purchases for all types of credit.
Best Gas Cards by Credit Requirement
- Excellent Credit: U.S. Bank Altitude® Connect Visa Signature® CardU.S. Bank Altitude® Connect Visa Signature® CardLearn MoreLearn More
- Rates & FeesGood Credit: Citi Premier® CardCiti Premier® CardLearn MoreLearn Moreon issuer's website
- Rates & FeesFair Credit: Citi Custom Cash® CardCiti Custom Cash® CardLearn MoreLearn Moreon issuer's website
- Bad Credit: Bank of America® Customized Cash Rewards Secured Credit CardBank of America® Customized Cash Rewards Secured Credit CardLearn MoreLearn More
If you have fair credit, you may qualify for gas cards from specific stations such as the Phillips 66 Credit Card or the ExxonMobil Gas Card. These can only be...
Where can I use my Walmart credit card for gas? Reply
You can use your Walmart Credit Card (see Rates & Fees) for gas at any station. But if you have the Walmart® Store Card, you can only use it to buy gas at Walmart, Murphy USA, Sam’s Club, and Walmart Neighborhood Market stations.
Here’s where you can use your Walmart Credit Card (see Rates & Fees) for gas:
- Walmart: 1,100+ stations
- Murphy USA: 1,500+ locations in the South and Midwest
- Sam’s Club: 500+ stations
- Walmart Neighborhood Market: Some stores with stations
- Any...
Featured Credit Cards
Expert Opinions
- What types of people should consider applying for a gas rewards credit card?
- How much higher of a gas rewards earning rate do you think is needed to warrant committing to a particular gas station chain?
- Does it make sense to get a gas rewards credit card when gas prices are low?
Ph.D., Associate Dean, Chair, General Business & Professor of Marketing, John Chambers College of Business and Economics, West Virginia University
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Professor of Marketing, Fowler College of Business, San Diego State University
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Professor of Economics & Business Administration, Juniata College
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Associate Professor of Marketing, Long Island University
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MBA, DBA Candidate, Associate Professor, Business Administration Department, Mount Saint Mary’s University
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Instructor and Internships Coordinator, University of Central Florida - Rosen College of Hospitality Management
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Important Disclosures
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended. WalletHub may share your information with third-parties in order to show personalized offers, as well as enable you to interact more easily with pre-fill forms or applications. You can opt-out of sharing your personal info here.
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