Credit Cards for Gas Purchases Only? Options Detailed

We’ve Done the Comparing for You — Here’s What We Recommend

In the course of our research, we were unable to identify any fuel-only credit cards that work across all gas station brands. Since the credit cards on our list are station-branded and do not include the Mastercard or Visa logo, they will not work at different gas stations or stores. As such, the best option will partially depend on which gas stations are local to you.

We recommend the Shell Fuel Rewards credit card most highly because it offers up to $0.10 per gallon in rewards, plus 10% back on non-fuel purchases like snacks or coffee from the convenience store. Shell also has locations in most states, meaning you can use your card even while traveling to other parts of the country or after moving house.

Note that, as with all of the gas station credit cards for consumers that we identified, Shell Fuel Rewards does allow you to make purchases in the gas station’s convenience store. Your favorite gas station may offer fleet cards that are truly fuel-only, but these are designed for businesses, not the average consumer.

Comparison Table: Gas Station Credit Cards

Compare your credit card options in the table below. Note that you can sort by any column using the arrows at the top. Scroll to the list below or click each company name for more information about each card.

Credit Cards for Gas Station Purchases Only

Below, we have the list of gas station-only, closed-loop credit cards. Our list is ordered by the best overall options (based on rewards, fees, and location availability). We compiled this information by viewing credit card account disclosures online and contacting each brand’s customer service department.

1. Shell Fuel Rewards Credit Card

• Fuel-only? Fuel and convenience store
• Transaction fees: None for purchases, but $10 or 5% (whichever is higher) on cash advances
• Late/returned payment fees: Up to $40
• Rewards: $0.05 to $0.10 per gallon, plus 10% rebates on your first $1,2000 per year in non-fuel purchases at Shell
• Apply

2. Valero Consumer Credit Card

• Fuel-only? Fuel and convenience store
• Transaction fees: None
• Late/returned payment fees: Up to $38 for late payments and $27 for returned payments
• Rewards: Up to $0.08 per gallon
• Apply

3. ExxonMobil Smart Card

• Fuel-only? Fuel, convenience store, and car wash
• Transaction fees: None for purchases; $10 or 5% for cash advances, whichever is greater
• Late/returned payment fees: Up to $40
• Rewards: $0.10 off per gallon for the first two months and $0.06 off per gallon after that
• Apply

4. BP Credit Card

• Fuel-only? Fuel and convenience store (Note: BP also offers a Visa credit card, which is valid anywhere that accepts Visa. When you apply, the issuing bank may approve you for the Visa card instead of the store-branded card, depending on your creditworthiness. You can request the BP credit card if you only want to use the card at gas stations.)
• Transaction fees: None for purchases; greater of $10 or 5% of the amount for cash advances
• Late/returned payment fees: Up to $39
• Rewards: Up to $0.05 off per gallon at BP and Amoco, plus 1% cash back on convenience store purchases at BP and Amoco
• Apply

5. Drive Savvy Rewards Credit Card (Phillips 66, Conoco, and 76)

• Fuel-only? Fuel and convenience store
• Transaction fees: None for purchases; either $10 or 5% (whichever is greater) for cash advances
• Late/returned payment fees: Up to $39
• Rewards: $0.10 per gallon in your first 90 days and $0.05 per gallon after that
• Apply

6. CITGO Rewards Card

• Fuel-only? Fuel and convenience store
• Transaction fees: None for purchases; either $10 or 5% of the amount (whichever is greater) for cash advances
• Late/returned payment fees: Up to $39
• Rewards: $0.10 per gallon for the first three months and $0.05 per gallon after that
• Apply

7. Wawa Credit Card

• Fuel-only? Fuel and convenience store
• Transaction fees: None
• Late/returned payment fees: Up to $40
• Rewards: $0.50 per gallon for your first month, then $0.05 per gallon
• Apply

8. Sinclair Green Card

• Fuel-only? Fuel and convenience store
• Transaction fees: None
• Late/returned payment fees: No late fees; the Sinclair Green Card isn’t revolving credit, so you’ll need to pay your balance in full at the end of each billing period. There is a $20 charge for returned payments.
• Rewards: $0.05 to $0.10 off per gallon
• Apply

9. Sunoco Rewards Credit Card

• Fuel-only? Fuel and convenience store
• Transaction fees: None for purchases; either $10 or 5% of the amount for cash advances, whichever is greater
• Late/returned payment fees: Up to $40
• Rewards: $0.05 off per gallon (may be $0.10 per gallon during promotional periods)
• Apply

10. Techron Advantage Credit Card (Chevron and Texaco)

• Fuel-only? Fuel and convenience store (Note: Techron Advantage also offers a Visa credit card that you can use anywhere that accepts Visa. The issuer may approve you for the Visa card instead of the store-branded card, depending on your creditworthiness.)
• Transaction fees: None for purchases; $10 or 5% for cash advances (whichever is greater)
• Late/returned payment fees: Up to $39
• Rewards: $0.03 per gallon (may be up to $0.10 per gallon during promotional periods)
• Apply

11. Cenex Consumer Credit Card

• Fuel-only? Fuel and convenience store
• Transaction fees: None
• Late/returned payment fees: Between $10 and $40, depending on your state
• Rewards: $0.15 per gallon on your first 100 gallons of fuel during the first 90 days of your account
• Apply

12. Gulf Orange Card

• Fuel-only? Fuel, convenience store, and repairs
• Transaction fees: None
• Late/returned payment fees: No late payment fees; $0 to $10 for returned payments, depending on your state
• Rewards: None, but can receive exclusive promotions through the GulfPay mobile app
• Apply

Alternatives to Gas Station Credit Cards

As an alternative to a gas station credit card, gas stations also sell their own branded gift cards. Gift cards might be a good substitute if you are looking for a gas card to give to someone else, such as your child. While the credit cards listed above allow additional users, you can more easily set a budget with a gift card.

Like the credit cards in our list, most gas station gift cards are valid for either fuel or convenience store purchases. However, a couple of brands offer gift cards that are only eligible for fuel purchases:

• Kwik Trip/Kwik Star Fuel-Only Gift Card
• Speedway Fuel Card

If you have a Sam’s Club membership, Walmart also has an Alcohol/Tobacco/Firearms/Lottery Prohibited gift card, which you can use at Sam’s Club gas stations.

You can find gas cards at the station or in the gift card section of many major retailers. Additionally, sites like Gift Card Granny, RetailMeNot, Card Cash, and Cardpool may sell gas station-brand gift cards at a discount.