Cathy DesmetCredit cards that come with rewards for fuel purchases typically offer either a certain percentage off each gallon of gas you buy, a percentage of cash back on your gasoline purchase, or rewards points you earn based on your total gas purchases. Below, we feature both gas station-branded and standard credit cards to compare the range of benefits.
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What We Recommend
We recommend the Kroger REWARDS World Mastercard as the overall best option for gasoline rewards. It offers $0.25 off per gallon with 100 fuel points for one year and moderate APR, which make it a great option for people who shop anywhere Mastercard is accepted and pump their gas at Kroger. If you don’t have a Kroger gas station in your area, the Shell Mastercard rewards are similar, with $0.30 off per gallon of gas for the first five purchases, then $0.10 off per gallon; however, the maximum APR is a bit higher at 27%.
For a traditional credit card option (non-gas station branded) with gas rewards and no annual fees, the American Express Blue Cash Preferred Card, Bank of America Cash Rewards Credit Card, and Bank of America Cash Back Secured Credit Card offer 3% cash back on gas. If you have less-than-perfect credit, the Bank of America Cash Back Secured Credit Card accepts applicants regardless of credit score; you may also want to apply for one of the options in our list of gas credit cards for bad credit.
Comparison Table
See the table below for a quick comparison of the best gas credit cards, then click any card name or scroll for more details. Note that you can also sort the table using the arrows at the top of each column.
| Card Name | Gas Rewards | Annual Fee | APR |
|---|---|---|---|
| Kroger REWARDS World Mastercard | $0.25 off per gallon with 100 fuel points | None | 12% to 24% |
| Shell Fuel Rewards Mastercard | $0.10 off per gallon | None | Up to 27% |
| Shell Fuel Rewards Card | $0.10 off per gallon | None | Up to 27% |
| ExxonMobil Smart Card | $0.06 off per gallon | None | Up to 27% |
| Sam's Club Mastercard | 5% cash back (first $6,000) | None, but must be a Sam's Club member | 15% to 23% |
| Costco Anywhere Visa Card by Citi | 4% cash back up to $7,000 | None, but must be a Costco member | Up to 16% |
| American Express Blue Cash Preferred Card | 3% cash back | $95 after first year | 14% to 24% |
| Bank of America Cash Rewards Credit Card | 3% cash back | None | 0% for 12 months; up to 24% thereafter |
| Bank of America Cash Back Secured Credit Card | 3% cash back | None | 0% for 12 months; up to 24% thereafter |
| American Express Blue Cash Everyday Card | 2% cash back | $95 after first year | 0% for 15 months; up to 24% thereafter |
| PenFed Platinum Rewards Visa Signature Card | Five points per dollar spent on gas | None | 0% for 12 months; up to 18% thereafter |
| Wells Fargo Propel American Express Card | Three points per dollar spent on gasoline | None | 0% for 12 months; up to 25% thereafter |
| Citi Rewards+ Card | 2x ThankYou points at gas stations | None | 13% to 24% |
The List
1. Kroger REWARDS World Mastercard
- Gas rewards: New cardmembers receive $0.25 off per gallon with 100 earned fuel points for a year; after one year, receive $0.05 off per gallon when you pay for gas with your card[1]
- Open or closed loop? Open[1]
- Annual fee: None[1]
- APR: 12% to 24%[1]
- Credit requirements: Good (about 670)[2]
- Apply
2. Shell Fuel Rewards Mastercard
- Gas rewards: $0.10 per gallon off up to 20 gallons per visit ($0.30 per gallon off the first five visits); also gives a 10% fuel credit on your first $1,200 in Shell purchases that are not gasoline[3]
- Open or closed loop? Open[3]
- Annual fees: None[3]
- APR: Up to 27%[3]
- Credit requirement: Good (about 700)[4]
- Apply
3. Shell Fuel Rewards Card
- Gas rewards: $0.10 per gallon off up to 20 gallons per visit($0.30 per gallon off first five purchases of fuel)[3]
- Open or closed loop? Closed[3]
- Annual fee: None[3]
- APR: Up to 27%[3]
- Credit requirement: Fair (at least 600)[5]
- Apply
4. ExxonMobil Smart Card
- Gas rewards: $0.06 per gallon off Synergy fuel and earn $0.25 off per gallon for two months when your application is approved by 10/31/20[6]
- Open or closed loop? Closed[6]
- Annual fee: None[6]
- APR: Up to 27%[6]
- Credit requirements: Fair (at least 600)[7]
- Apply
5. Sam’s Club Mastercard
- Gas rewards: 5% cash back on gasoline everywhere Mastercard is accepted (first $6,000 then 1%)[8]
- Open or closed loop? Open[8]
- Annual fee: None, but you need a Sam’s Club membership (about $45 for one person)[8]
- APR: 15% to 23%[8]
- Credit requirement: Fair (at least 600)[9]
- Apply
6. Costco Anywhere Visa Card by Citi
- Gas rewards: 4% cash back up to $7,000, then 1% cash back[10]
- Open or closed loop? Open[10]
- Annual fee: None, but must be Costco member (about $60 per year for one person)[10]
- APR: Up to 16%[10]
- Credit requirement: Very good (about 720)[11]
- Apply
7. American Express Blue Cash Preferred Card
- Gas rewards: 3% cash back on gas[12]
- Open or closed loop? Open[12]
- Annual fee: No fee for the first year, then $95[12]
- APR: 14% to 24%[12]
- Credit requirement: Good (about 690)[13]
- Apply
8. Bank of America Cash Rewards Credit Card
- Gas rewards: 3% cash back on gas (need to choose gas as your category)[14]
- Open or closed loop? Open[14]
- Annual fee: None[14]
- APR: Up to 24% after 12 months at 0%[14]
- Credit requirement: Very good (about 720)[15]
- Apply
9. Bank of America Cash Back Secured Credit Card
- Gas rewards: 3% cash back on gas (choose gas as the 3% category)[16]
- Open or closed loop? Open[16]
- Annual fee: None[16]
- APR: 0% for 12 months, then up to 24%[16]
- Credit requirement: None; security deposit of at least $300[15]
- Apply
10. American Express Blue Cash Everyday Card
- Gas rewards: 2% cash back at gas stations[17]
- Open or closed loop? Open[17]
- Annual fee: None first year, then $95 per year[17]
- APR: 15 months at 0%, then up to 24%[17]
- Credit requirement: Good (about 690)[13]
- Apply
11. PenFed Platinum Rewards Visa Signature Card
- Gas rewards: Five points per each dollar spent at a gas station[18]
- Open or closed loop? Open[18]
- Annual fee: None[18]
- APR: 0% for 12 months, then up to 18%[18]
- Credit requirement: Very good (at least 720); you must be a PenFed member (military not required)[19]
- Apply
12. Wells Fargo Propel American Express Card
- Gas rewards: 3 points per dollar for gas purchases[20]
- Open or closed loop? Open[20]
- Annual fee: None[20]
- APR: 0% for 12 months, then up to 25%[20]
- Credit requirements: About 700[21]
- Apply
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