1.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 within the first 6 months of account opening.
Earn 5% cash back on your highest monthly spend category in each billing cycle (up to $500 spent), and 1% on everything else.
17.49%-27.49% Variable APR
The Citi Custom Cash® Card stands out as the top choice because it automatically adapts to your highest spending category each month, allowing you to earn 5% cash back without the hassle of rotating categories. This flexibility, combined with no annual fee, makes it an excellent option for those who want to maximize their rewards effortlessly.
Pros:
- High rewards on top spending category
- No annual fee
Cons:
- Spending limit on high cash back
- Requires tracking of spending categories
2.Wells Fargo Autograph® Card
Wells Fargo
- 3%Points on dining, travel, gas, transit, popular streaming services, and phone plans
- 1%Points on all other purchases
Earn 20,000 bonus points after spending $1,000 in the first 3 months.
Earn unlimited 3X points on dining, travel, gas, transit, popular streaming services, and phone plans, with 1X points on other purchases.
18.49%-28.49% Variable APR
What sets the Wells Fargo Autograph® Card apart is its unlimited 3X points on a variety of popular spending categories, making it a versatile choice for everyday expenses. With no annual fee and a competitive welcome bonus, it appeals to those who want to earn rewards across multiple areas of their spending.
Pros:
- High rewards rate on multiple categories
- No annual fee
Cons:
- Limited to specific categories for high rewards
- Points may not be as valuable for some redemptions
3.Blue Cash Preferred® Card from American Express
American Express
- 6%Cash back at U.S. supermarkets (up to $6,000 per year)
- 6%Cash back on select U.S. streaming subscriptions
- 3%Cash back at U.S. gas stations
- 3%Cash back on transit
- 1%Cash back on all other purchases
Earn a $250 statement credit after spending $3,000 in eligible purchases within the first 6 months.
Earn 6% cash back at U.S. supermarkets (up to $6,000 per year), 6% on select U.S. streaming subscriptions, 3% at U.S. gas stations, and 3% on transit.
19.49%-28.49% Variable APR
This card excels for households that spend significantly on groceries and streaming services, as it offers a remarkable 6% cash back in these categories. The Blue Cash Preferred® Card from American Express is particularly appealing for those looking to offset the annual fee with high rewards on everyday essentials.
Pros:
- High cash back on groceries and streaming
- Significant welcome bonus
Cons:
- Annual fee after the first year
- Spending cap on grocery rewards
4.Bank of America® Customized Cash Rewards credit card
Bank of America
- 3%Cash back in a category of your choice
- 2%Cash back at grocery stores/wholesale clubs
- 1%Cash back on all other purchases
Earn a $200 online cash rewards bonus after you make at least $1,000 in purchases within the first 90 days.
Earn 3% cash back in a category of your choice, 2% at grocery stores/wholesale clubs, and 1% on everything else.
17.49%-27.49% Variable APR
The standout feature of the Bank of America® Customized Cash Rewards credit card is the ability to choose your 3% cash back category, allowing for personalized rewards based on your spending habits. With no annual fee and a solid welcome bonus, it’s a great option for those who want to customize their rewards.
Pros:
- Flexible 3% cash back category
- No annual fee
Cons:
- Requires tracking of spending categories
- Limited to $2,500 in combined spending per quarter
5.ExxonMobil™ Smart Card
ExxonMobil
- 12¢Discount on Synergy Supreme+™ premium gas
- 10¢Discount on other grades of gas
- 5%Cash back on in-store purchases and car washes
Earn 10x bonus Flex Rewards points on every purchase during the first 90 days.
Get 12¢ per gallon off Synergy Supreme+™ premium gas and 10¢ per gallon off other grades, plus 5% back on in-store purchases and car washes (on the first $1,200/year).
34.24% Variable APR
The ExxonMobil™ Smart Card offers significant savings at the pump, making it an excellent choice for frequent drivers. With no annual fee and a straightforward rewards structure, it provides immediate benefits for those who regularly fuel up at Exxon and Mobil stations.
Pros:
- Immediate fuel discounts
- No annual fee
Cons:
- Limited to Exxon and Mobil stations
- High APR
- 4%Cash back on gas/EV charging (up to $7,000/year)
- 3%Cash back on restaurants/travel
- 2%Cash back at Costco
- 1%Cash back on all other purchases
N/A
Earn 4% on gas/EV charging (up to $7,000/year), 3% on restaurants/travel, 2% at Costco, and 1% on other purchases.
18.74%-26.74% Variable APR
The Costco Anywhere Visa® Card by Citi is a top choice for Costco members, offering high-tier rewards on gas and dining. Its no-annual-fee structure, combined with significant cash back opportunities, makes it an ideal option for frequent Costco shoppers.
Pros:
- High rewards on gas and travel
- No annual fee with membership
Cons:
- Requires Costco membership
- Rewards issued annually
7.Sam’s Club® Mastercard®
Synchrony Bank
- 5%Cash back on gas
- 3%Cash back on dining/takeout
- 1%Cash back on all other purchases
Earn a $30 statement credit after making $30 in qualifying Sam's Club purchases within the first 30 days.
Earn 5% cash back on gas, 3% on dining/takeout, and 1% on other purchases.
20.40%-28.40% Variable APR
The Sam’s Club® Mastercard® is a strong contender for those who frequently shop at Sam's Club, offering robust rewards on gas and dining. With no annual fee and a straightforward rewards structure, it provides excellent value for members.
Pros:
- High rewards on gas and dining
- No annual fee
Cons:
- Requires Sam's Club membership
- Limited to specific categories
- 5%Points on prepaid hotels/car rentals booked in the Travel Center
- 4%Points on travel, gas, and EV charging
- 2%Points on dining, streaming, and groceries
Earn 20,000 bonus points after spending $1,000 or more in eligible purchases.
Earn 5X points on prepaid hotels/car rentals booked in the Travel Center, 4X points on travel, gas, and EV charging (up to $1,000 quarterly), and 2X points on dining, streaming, and groceries.
17.49%-27.49% Variable APR
The U.S. Bank Altitude® Connect Visa Signature® Card shines for its robust rewards structure, particularly for travelers and those who frequently spend on gas. With no annual fee and a generous welcome bonus, it’s an excellent choice for maximizing rewards on everyday expenses.
Pros:
- High rewards on travel and gas
- No annual fee
Cons:
- Quarterly cap on 4X points
- Requires good credit for approval
Final Words
As you consider the best gas credit cards for February 2026, remember that choosing the right card can significantly impact your savings at the pump. Take time to compare options based on rewards, fees, and benefits to make informed decisions that align with your spending habits.
Frequently Asked Questions
With the Citi Custom Cash® Card, you can earn 5% cash back on your highest monthly spend category in each billing cycle (up to $500 spent), and 1% on everything else.
The Wells Fargo Autograph® Card offers a welcome bonus of 20,000 bonus points after spending $1,000 in the first 3 months.
The Blue Cash Preferred® Card offers 6% cash back at U.S. supermarkets (up to $6,000 per year), 6% on select U.S. streaming subscriptions, 3% at U.S. gas stations, and 3% on transit.
Many gas credit cards have no annual fees, making them a cost-effective option for drivers. However, some cards may charge annual fees, especially those offering premium rewards, so it's essential to weigh the benefits against the fees.
To apply for a gas credit card, you typically need to fill out an online application with your personal and financial information. Approval can be instant or take a few days, depending on the issuer.
When choosing a gas credit card, consider factors such as your spending habits, reward rates, and any associated fees. Look for cards that offer bonuses on gas purchases and align with your lifestyle.
Gas credit cards often provide higher rewards rates for fuel purchases, which can lead to significant savings over time. Additionally, some cards may offer other perks like discounts at gas stations or cashback on related expenses.
