1.Bank of America® Customized Cash Rewards credit card
Bank of America
- 6%Cash back in the category of your choice
- 2%Cash back at grocery stores and wholesale clubs
- 1%Cash back on all other purchases
Earn a $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening.
Earn 6% cash back in the category of your choice, 2% at grocery stores and wholesale clubs, and 1% on everything else.
17.49%-27.49% Variable APR
The Bank of America® Customized Cash Rewards credit card stands out as the top choice because it offers a flexible rewards structure that allows cardholders to earn 6% cash back in a category of their choice, making it ideal for those who want to maximize their rewards on everyday spending.
Pros:
- No annual fee
- High rewards on everyday categories
Cons:
- Variable APR can be high
- Some exclusions apply
2.Blue Cash Preferred® Card from American Express
American Express
- 6%Cash back at U.S. supermarkets
- 6%Cash back on select U.S. streaming subscriptions
- 3%Cash back on gas stations and transit
- 1%Cash back on all other purchases
Earn $250 Back after you spend $3,000 in purchases on your new Card within the first 6 months.
Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
19.49%-28.49% Variable APR
What sets the Blue Cash Preferred® Card apart is its exceptional cash back rate of 6% at U.S. supermarkets, making it an excellent choice for families and individuals who spend significantly in this category.
Pros:
- High cash back on groceries and streaming
- No foreign transaction fees
Cons:
- Annual fee after the first year
- Requires good credit for approval
3.Blue Cash Everyday® Card from American Express
American Express
- 3%Cash back at U.S. supermarkets
- 3%Cash back at U.S. gas stations
- 3%Cash back on U.S. online retail purchases
- 1%Cash back on all other purchases
Earn $200 Back after you spend $2,000 in purchases on your new Card within the first 6 months.
Earn 3% cash back at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases.
19.49%-28.49% Variable APR
This card shines for its straightforward cash back structure, making it a great option for those who want to earn rewards on everyday spending without the burden of an annual fee.
Pros:
- No annual fee
- Good cash back on everyday purchases
Cons:
- Lower rewards rate compared to Preferred version
- Spending caps on bonus categories
4.Wells Fargo Autograph® Card
Wells Fargo
- 3%Points on dining, travel, gas, transit, streaming, and phone plans
- 1%Points on all other purchases
Earn 20,000 bonus points (worth $200 cash) after spending $1,000 on purchases within the first 3 months.
Earn unlimited 3X points on key spending categories like dining, travel, gas, transit, streaming, and phone plans.
18.49%-28.49% Variable APR
The standout feature here is the unlimited 3X points on key spending categories, making it an excellent choice for those who frequently spend on dining and travel.
Pros:
- No annual fee
- Strong rewards on everyday spending
Cons:
- Limited to specific categories for higher rewards
- Points redemption options may vary
5.Citi Custom Cash® Card
Citi
- 5%Cash back on your highest monthly spend category
- 1%Cash back on all other purchases
Earn $200 cash back after spending $1,500 on purchases in the first six months.
Earn 5% cash back on your highest monthly spend category in each billing cycle, and 1% on everything else.
17.49%-27.49% Variable APR
A key differentiator is its ability to automatically adjust to your highest spending category, ensuring you maximize your rewards without the hassle of activation.
Pros:
- No annual fee
- Flexible rewards structure
Cons:
- 5% cash back capped at $500 per month
- Requires tracking of spending categories
- 5%Points on prepaid hotels/cars
- 4%Points on travel, gas, EV charging
- 2%Points on dining, streaming, groceries
- 1%Points on all other purchases
Earn 20,000 bonus points (worth $200) after spending $1,000 in 90 days.
Earn 5x points on prepaid hotels/cars, 4x on travel/gas/EV charging, 2x on dining/streaming/groceries.
18%-25% Variable APR
This card excels in travel rewards, offering 5x points on prepaid hotels and 4x on travel-related expenses, making it a top choice for frequent travelers.
Pros:
- Strong rewards on travel and gas
- No foreign transaction fees
Cons:
- Annual fee after the first year
- Limited to specific categories for higher rewards
- 5%Cash back on gas at Costco
- 3%Cash back on restaurants and travel
- 2%Cash back at Costco and Costco.com
- 1%Cash back on all other purchases
N/A
Earn 5% on gas at Costco, 3% on restaurants/travel, 2% at Costco/Costco.com.
18.74%-26.74% Variable APR
The Costco Anywhere Visa® Card by Citi is particularly appealing for Costco members, offering high cash back rates on gas and dining, making it a valuable addition for regular shoppers.
Pros:
- No annual fee with membership
- Strong rewards on gas and dining
Cons:
- Requires Costco membership
- Rewards issued annually
8.Sam’s Club® Mastercard®
Synchrony Bank
- 5%Cash back on gas
- 3%Cash back on dining and takeout
- 3%Cash back on Sam's Club purchases for Plus members
- 1%Cash back on all other purchases
Earn a $30 or $60 statement credit after opening an account and spending at least $30 on qualifying purchases within 30 days.
Earn 5% on gas (first $6k/yr), 3% on dining/takeout, 3% on Sam's Club purchases for Plus members.
20.40%-28.40% Variable APR
The Sam’s Club® Mastercard® is a great option for members, offering significant cash back on gas and dining, making it ideal for those who frequently shop at Sam's Club.
Pros:
- No annual fee with membership
- Strong rewards on fuel and dining
Cons:
- Requires Sam's Club membership
- Limited to specific categories for higher rewards
9.Wells Fargo Autograph Journey℠ Card
Wells Fargo
- 5%Points on hotels
- 4%Points on airlines
- 3%Points on other travel and dining
- 1%Points on all other purchases
Earn 60,000 bonus points after spending $4,000 in the first 3 months.
Earn 5x points on hotels, 4x on airlines, 3x on other travel/dining.
19.49%-28.49% Variable APR
The Wells Fargo Autograph Journey℠ Card is designed for frequent travelers, offering generous rewards on travel-related purchases and valuable perks like an annual airline credit.
Pros:
- Strong rewards on travel and dining
- Annual airline credit
Cons:
- Annual fee
- Requires good credit for approval
10.ExxonMobil™ Smart Card
Citi
- 5%Cash back on non-fuel purchases
- 10-12¢Savings on fuel purchases
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card.
Save 10-12¢/gallon on fuel and earn 5% back on non-fuel purchases.
17.49%-27.49% Variable APR
The ExxonMobil™ Smart Card is particularly beneficial for frequent fuel purchasers, offering immediate savings at the pump and cash back on other purchases.
Pros:
- No annual fee
- Instant fuel savings
Cons:
- Limited to Exxon and Mobil stations
- High APR if not paid in full
Final Words
When selecting the best gas credit card for your needs, consider how rewards structures align with your spending habits and financial goals. Take time to compare different options to ensure you make an informed decision that maximizes your savings at the pump.
Frequently Asked Questions
The Bank of America® Customized Cash Rewards credit card offers a welcome bonus of $200 online cash rewards after making at least $1,000 in purchases in the first 90 days of account opening. You can earn 6% cash back in the category of your choice, 2% at grocery stores and wholesale clubs, and 1% on everything else.
With the Blue Cash Preferred® Card from American Express, you earn a welcome bonus of $250 Back after you spend $3,000 in purchases on your new Card within the first 6 months. This card provides 3% cash back on gas stations, making it a great choice for frequent drivers.
The Blue Cash Everyday® Card from American Express offers a welcome bonus of $200 Back after you spend $2,000 in purchases on your new Card within the first 6 months. You can earn 3% cash back at U.S. gas stations, as well as on U.S. supermarkets and U.S. online retail purchases.
Many cashback credit cards, like the Bank of America® Customized Cash Rewards and the Blue Cash Everyday® Card from American Express, have no annual fee. However, some cards, such as the Blue Cash Preferred® Card, may have an annual fee after an introductory period, so be sure to check the specific terms.
To choose the best gas credit card, consider your spending habits, including how much you spend on gas and other categories. Look for cards that offer higher cash back rates in these areas, as well as any welcome bonuses or promotional offers that can enhance your rewards.
Yes, most gas credit cards require a good to excellent credit score for approval. It's advisable to check your credit score and any specific requirements outlined by the card issuer before applying to increase your chances of approval.
When comparing gas credit cards, consider the cash back rates, any welcome bonuses, annual fees, and additional perks such as no foreign transaction fees or rewards flexibility. Also, evaluate how the card fits into your overall spending habits to maximize your rewards.
