1.Blue Cash Preferred® Card from American Express
American Express
- 6%Cash back at U.S. Supermarkets on up to $6K per year
- 6%Cash back on streaming
- 3%Cash back on gas
- 3%Cash back on transit
- 1%Cash back on all other purchases
Earn a one-time $300 cash bonus once you spend $3,000 on purchases within the first 6 months from account opening.
Earn 6% cash back at U.S. Supermarkets on up to $6K per year in purchases. Enjoy cash back on everyday spending such as streaming, gas, transit, and more.
19.49%-28.49% Variable APR
The Blue Cash Preferred® Card from American Express stands out as the top choice because it offers an exceptional 6% cash back on groceries, making it ideal for families and frequent shoppers. Its robust rewards structure and significant welcome bonus further enhance its value, especially in the first year when the annual fee is waived.
Pros:
- High cash back on groceries and streaming
- No annual fee for the first year
Cons:
- Annual fee after the first year
- Cap on grocery cash back
2.Wells Fargo Autograph® Card
Wells Fargo
- 3%Points on travel, restaurants, gas stations, and more
- 1%Points on all other purchases
Earn 20,000 bonus points after you spend $1,000 in purchases in the first 3 months of account opening.
Earn unlimited 3X points on travel, restaurants, gas stations, and more.
28.49% Variable APR
What sets the Wells Fargo Autograph® Card apart is its unlimited 3X points on a wide range of everyday spending categories, making it a versatile choice for those who want to maximize their rewards without an annual fee. The generous sign-up bonus adds to its appeal, providing significant value right from the start.
Pros:
- No annual fee
- High rewards on everyday categories
Cons:
- Limited to specific categories for higher rewards
- Points may expire
3.Citi Custom Cash® Card
Citi
- 5%Cash back on your top eligible spend category each billing cycle
- 1%Cash back on all other purchases
Earn $200 in cash back after spending $1,500 on purchases in the first 6 months.
Earn 5% cash back on your top eligible spend category each billing cycle, up to $500 spent, and 1% on all other purchases.
18.24%-28.49% Variable APR
The standout feature of the Citi Custom Cash® Card is its ability to automatically adjust to your highest spending category each billing cycle, ensuring you earn 5% cash back where you spend the most. This flexibility, combined with no annual fee, makes it a compelling option for those who want to maximize their rewards without being locked into fixed categories.
Pros:
- Flexible rewards structure
- No annual fee
Cons:
- Limited to $500 per category per billing cycle
- Not accepting new applications
- 4%Cash back on eligible gas purchases
- 3%Cash back on restaurants and eligible travel
- 2%Cash back on all other Costco and Costco.com purchases
- 1%Cash back on all other purchases
N/A
Earn 4% cash back on eligible gas purchases, 3% on restaurants and eligible travel, and 2% on all other Costco and Costco.com purchases.
18.74%-26.74% Variable APR
The Costco Anywhere Visa® Card by Citi shines for its high cash back rewards on gas and dining, making it an excellent choice for frequent Costco shoppers. Its no annual fee structure, tied to a Costco membership, adds to its value, although the annual redemption of cash back may be a drawback for some.
Pros:
- No annual fee with Costco membership
- High cash back on gas and dining
Cons:
- Requires Costco membership
- Cash back is only redeemable annually
5.BP Rewards Visa
FNBO
- 5%Points on non-fuel bp and Amoco purchases
- 3%Cash back on dining and grocery
- 1%Cash back on other qualifying purchases
Save 50¢/gallon at bp and Amoco stations for the first 60 days.
Earn 5x points per $1 on non-fuel bp and Amoco purchases, 3% cash back on dining and grocery, and 1% back on other qualifying purchases.
32.24%-32.99% Variable APR
The BP Rewards Visa card stands out for its generous fuel discounts and high rewards on non-fuel purchases, making it a great option for regular bp and Amoco customers. Its no annual fee and significant introductory fuel savings add to its appeal, although the high APR may be a concern for some.
Pros:
- High rewards on fuel and dining
- No annual fee
Cons:
- High APR
- Limited to bp and Amoco for fuel rewards
- 4%Cash back at Shell on gas, EV, and in-store purchases
- 3%Cash back on dining and groceries
- 2%Cash back on everything else
Get a $50 statement credit after you spend $500 on the card within the first 60 days.
Earn 4% back at Shell on gas, EV, and in-store purchases; 3% back on dining and groceries; 2% back on everything else.
28.74%-33.24% Variable APR
The Shell Fuel Rewards Credit Card excels with its high cash back rates on gas and dining, making it an attractive option for frequent Shell customers. Its no annual fee and substantial welcome bonus further enhance its value, although the high APR may deter some potential cardholders.
Pros:
- High rewards on gas and dining
- No annual fee
Cons:
- Limited to Shell for gas rewards
- High APR
7.Exxon Mobil Smart Card+
Citi
- 12¢Discount on premium gasoline
- 10¢Discount on other fuel grades
- 5%Cash back on in-store purchases
N/A
Save 12¢/gal on premium gasoline, 10¢/gal on other fuel grades, and get 5% back on in-store purchases.
33.24%
The Exxon Mobil Smart Card+ offers immediate fuel savings and rewards for in-store purchases, making it a practical choice for regular Exxon and Mobil customers. Its no annual fee structure is appealing, although the high APR could be a drawback for those who carry a balance.
Pros:
- Instant fuel savings
- No annual fee
Cons:
- Limited to Exxon and Mobil stations
- High APR
8.Techron Advantage Visa Credit Card
Synchrony Bank
- 3¢Discount on every fill-up at Chevron and Texaco stations
- 10¢Additional discount for non-fuel shopping
New cardholders get an introductory discount of 62 cents per gallon on fuel purchases at Chevron and Texaco stations for the first 30 days.
Earn 3¢ off per gallon at Chevron and Texaco stations, plus additional discounts for non-fuel shopping.
33.99%
The Techron Advantage Visa Credit Card provides consistent fuel discounts and rewards for everyday purchases, making it a solid choice for loyal Chevron and Texaco customers. Its no annual fee is a significant advantage, although the high APR may be a concern for those who do not pay off their balance in full.
Pros:
- No annual fee
- Fuel discounts on every fill-up
Cons:
- High APR
- Limited to Chevron and Texaco
Did you know?
Before you apply, look up credit card basics like APR and fees in our Financial Dictionary. Rewards pay off most when your real spending already hits the card's bonus categories.
Final Words
As you consider the best gas credit cards available this September, remember that evaluating rewards, fees, and benefits is essential to finding the right fit for your needs. Take time to compare your options to ensure you make an informed decision that maximizes your savings at the pump.
Frequently Asked Questions
The Blue Cash Preferred® Card from American Express offers a welcome bonus of Earn a one-time $300 cash bonus once you spend $3,000 on purchases within the first 6 months from account opening. You can earn 6% cash back at U.S. Supermarkets on up to $6K per year in purchases, 3% cash back on gas, and 1% cash back on all other purchases.
With the Wells Fargo Autograph® Card, you can earn a welcome bonus of Earn 20,000 bonus points after you spend $1,000 in purchases in the first 3 months of account opening. The card offers unlimited 3X points on travel, restaurants, gas stations, and more, making it a great choice for frequent spenders.
The Citi Custom Cash® Card provides a welcome bonus of Earn $200 in cash back after spending $1,500 on purchases in the first 6 months. You can earn 5% cash back on your top eligible spend category each billing cycle, up to $500 spent, along with 1% on all other purchases.
When selecting a gas credit card, consider the reward rates for gas purchases, any welcome bonuses, and whether there are annual fees. Also, think about your spending habits and whether you often purchase gas or if you prefer a card that offers rewards on multiple categories.
Many gas credit cards have no annual fees, making them attractive for regular drivers. However, some premium cards may charge annual fees, so assess the potential rewards against the costs to find the best value.
The APR for gas credit cards can vary widely, typically ranging from around 18% to 28% depending on the card and your creditworthiness. It's important to review the APR and any potential fees before applying to ensure it aligns with your financial situation.
To maximize rewards from your gas credit card, use it for all fuel purchases and consider pairing it with a card that offers higher cashback in other categories. Additionally, keep track of any rotating categories or bonus offers to ensure you're earning the most rewards possible.
