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Best Gas Credit Cards

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Many of us are experiencing pain at the pump. Gas prices remain somewhat high for many of us. However, there is only so much that can be done when it comes to saving money on gas. If you have to drive your car to get to work, or if you live in an area that doesn’t have viable public transportation options, you might not have a lot of luck when it comes to saving money on gas.

If you can’t cut back anymore on your gas use, and if you are doing all you can to make sure that you are as efficient as possible in your driving practices, it might be time to make the most of your gas purchases with the help of gas credit cards.

Station Specific Gas Credit Cards

For those who habitually use the same gas station, it can help to use station specific gas credit cards. Many major gas station chains offer credit cards — and provide special perks to go with them. You can get extra cash back and other benefits when you purchase gas at these stations. Plus, many of these cards are branded with the Visa or MasterCard logo, so you can use them at places other than gas stations. Some of the better station specific gas credit cards include:

  • BP Credit Card: When you make fuel purchases at BP stations, you can get a 5% rebate.
  • Shell Credit Card: Another gas station credit card offering 5% back on gas purchases.
  • Exxon Credit Card: This card offers a 15 cent rebate on each gallon of gas you purchase at an Exxon Mobil station.
  • Phillips 66 Fleet Card: This is a business gas credit card. If you have a business that requires a lot of driving — and multiple cars — the rebate of up to 5 cents a gallon can be helpful.

Of course, the downside is that your extra rewards are only applicable at certain gas stations. So if you fill up somewhere else, you don’t get the same rebates.

Editor’s Note: I’m not a fan of gas station specific credit cards because you’re almost “forced” into going to a specific gas station, or surrender those rewards. I, however, do believe it’s important to know what they offer because they become a point of reference against which you can compare other gas card reward schedules.

General Credit Cards with Extra Gas Rewards

If you know that you will be using different gas stations, it might be worth it to get a more universal credit card. These credit cards offer rewards on most of your purchases, but might give you extra rewards on gas purchases. So, you can earn rewards faster when you use these credit cards to pay at the pump. Here are some credit cards to consider for a boost in gas related rewards:

Consider your needs, and your spending habits as they relate to gas. Then, decide on what card might work best for you.

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16 Responses to “Best Gas Credit Cards”

  1. Des says:

    Really? No mention of the PenFed cash back card? (5% back on gas, 1% on everything else, and the rewards are credited monthly automatically, without me ever having to do a thing) I thought that was a fairly well-known card in the PF blogoshere…

    • Miranda says:

      Sorry. This was just a brief look at cards from specific stations vs. general cards. We may do something in the future on great cards from specific institutions, like PenFed.

      • HuBu says:

        TrueEarnings® Card from Costco and American Express

        Isn’t this card a Costco specific card and not a general card?

        • freeby50 says:

          It is through Costco so you do have to have a Costco membership. However if you get the Amex card then you can use it as a normal credit card just like any other credit card.

        • Miranda says:

          You can get it even if you aren’t a Costco member. However, you have to pay the fee. If you are a Costco member, you don’t have to pay the annual fee.

          • Miranda says:

            You get it, and it can be your Costco membership if you don’t have one. So, you don’t have to be a Costco member to apply. You can get it, and then go to Costco and have your picture taken and added to the card — and it can become your membership card.

          • freeby50 says:

            The cards terms & conditions say : “You must be a current Costco member to take advantage of this offer. If you are not a Costco member or your membership has expired, you can apply for or renew membership at any Costco Warehouse or online at costco.com.”

            So I’m pretty sure you do have to be a Costco member. Of course that isn’t a problem as such I suppose. If you want the card you can just get a Costco membership and pay Costco $40 a year.

  2. Scott says:

    Cap One card also has 2% back on groceries

  3. Ben says:

    Walmart offers a 10 cent per gallon discount when using Walmart Gas card.

    http://www.walmart.com/ip/Walmart-Gas-Gift-Card/11979453

  4. freeby50 says:

    I use the Amex true earnings Costco card which gives the 3%. One gotcha however is that they do NOT give the 3% rate at most gas stations attached to many grocery or warehouse stores. So if you get your gas at Kroger or Sams Club or similar then you don’t get the 3% there. My understanding is the 3% rate is only for traditional stand alone gas station gas stations. You might get it for some gas stations attached to some grocery stores, but it just depends on if the gas station is operated as a separate entity or if its part of the grocery/warehouse chain.

  5. Thomas says:

    2 more gas rewards cards. The first is one many of us former Schwab 2% rewards card-holders are being converted to.

    http://learn.bankofamerica.com/products/managing-credit/bankamericard-cash-rewards-credit-card.html

    https://www.salliemae.com/credit-cards/cashback/

  6. another beggar says:

    Shell 5% rebate is no longer in effect.

  7. Anonymous says:

    I was on the Gas Cash Back Refund craze….but lately (I do a lot of traveling so station loyalty is out the window unfortunately), it is just better to pay the Cash (debit) amount. That 10 cents reduction (~3.5%) is instant. I haven’t done any math but I’m sure with the interest it breaks about even.

  8. Anonymous says:

    I use a BP credit card and a couple of times each year, I request and receive a $100 check. I’m very satisfied!

  9. LouisC says:

    Amex Preferred Blue has 3% off gas, and 6% off groceries.

  10. sumiya18 says:

    who use same gas station or different station he may find same quality service with same credit card.many major gas station related with different company so one can use gas credit card with different station.might find extra rewards when purchase gas


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