Except you primarily commute through public transit, chances are high you have just lately stopped to gasoline up. Whether or not your whole was a few {dollars} otherwise you ended up paying triple digits to fill your tank, for those who did not use a gasoline bank card, you are lacking out on incomes rewards.
At TPG, we’re all about maximizing spending wherever doable, whether or not which means maximizing the bonus classes on a cash-back card or transferring your rewards factors to leverage a killer switch bonus.
My family contains my accomplice, a each day commuter who drives 76 miles round-trip to and from work each weekday. That mileage provides up, which is why I added him as an approved person on my Costco Wherever Visa® Card by Citi (see charges and charges).
Out of all of the playing cards I presently maintain, my Costco Wherever Visa presents the best reward fee on this class — 5% money again on gasoline at Costco and 4% money again on different eligible gasoline and electrical automobile charging purchases for the primary $7,000 in mixed spend per yr, then 1% thereafter. Due to these charges, utilizing it to replenish is a no brainer.
Actually, my February 2025 Costco reward certificates (for all of my 2024 spending) got here in at $226.73. A big portion of that spending fell into two primary classes: Costco groceries and Costco and non-Costco gasoline fill-ups.
Whether or not you are a highway warrior, an occasional driver or fall someplace within the center, here is why you want a gasoline bank card in your pockets — plus our high picks for the very best gasoline playing cards.
The perfect gasoline bank cards
*The knowledge for the Wyndham Rewards Earner Enterprise Card, the Wyndham Rewards Earner Plus Card and the U.S. Financial institution Altitude Join Visa Signature Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Evaluating the very best gasoline bank cards
Listed below are TPG’s high suggestions for the very best gasoline bank cards.
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| Card | Greatest for | Welcome supply | Incomes charges | Annual charge |
|---|---|---|---|---|
| Blue Money Most popular Card from American Specific | Households | Earn $250 within the type of a press release credit score after spending $3,000 on eligible purchases throughout the first six months of account opening. |
Money again is obtained within the type of Reward {Dollars} that may be redeemed as a press release credit score or at amazon.com checkout. |
$0 introductory annual charge for the primary yr, then $95 (see charges and charges) |
| Financial institution of America Personalized Money Rewards bank card | Personalized spending | Earn a $200 on-line money rewards bonus after spending $1,000 on purchases throughout the first 90 days of account opening. |
|
$0 |
| Capital One Quicksilver Money Rewards Credit score Card | Straight-forward money again | Earn a $200 money bonus after spending $500 on purchases throughout the first three months of account opening. |
|
$0 |
| Costco Wherever Visa Card by Citi | Costco customers | None |
|
$0, although a Costco membership is required to get this card |
| Chase Freedom Flex | Rotating classes | Earn a $200 bonus after spending $500 on purchases within the first three months of account opening. |
|
$0 |
| Chase Sapphire Most popular Card | Rookies | Earn 60,000 factors after spending $4,000 on purchases within the first three months of account opening. |
|
$95 |
| Chase Freedom Limitless | Versatile money rewards | Earn a $250 bonus after spending $500 on purchases in your first three months of account opening |
|
$0 |
| Wyndham Rewards Earner Enterprise Card | Enterprise homeowners loyal to Wyndham | Earn as much as 75,000 bonus factors: 50,000 factors after spending $4,000 on purchases and paying the annual charge in full inside 90 days of account opening and earn one other 25,000 factors after spending $12,000 on purchases inside three hundred and sixty five days of account opening |
|
$95 |
| Wyndham Rewards Earner Plus Card | Frequent Wyndham friends | Earn 45,000 bonus factors after spending $1,000 on purchases within the first 90days of account opening. |
|
$75 |
| U.S. Financial institution Altitude Join Visa Signature Card | No-annual-fee journey | Earn 20,000 bonus factors after spending $1,000 on internet purchases within the first 90 days of account opening. |
|
$0 |
Blue Money Most popular Card from American Specific
Welcome supply: Earn $250 money again after spending $3,000 on eligible purchases throughout the first six months of account opening. Money again is obtained within the type of Reward {Dollars} that may be redeemed as a press release credit score or at amazon.com checkout.
Annual charge: $0 intro annual charge for the primary yr, then $95 (see charges and charges).
Standout advantages: The Blue Money Most popular is a improbable starter card for these simply moving into bank card rewards. It presents easy incomes and redeeming choices, however it’s additionally nice for the extra seasoned bank card veteran searching for to maximise their spending throughout a number of classes.
I’ve had this card for 11 years, and each single yr I’ve held it, it has greater than paid for itself due to the tons of of {dollars} I’ve earned in cash-back rewards. I am not an enormous Amazon shopper, however after I do have a few gadgets in my cart, I am going to put my Blue Money Most popular Reward {Dollars} towards these on-line purchases.
Normally, although, I redeem my money again for assertion credit, which offset a few of my spending on this card. In Might 2024, I reserved a personal room at a Manhattan karaoke bar for a birthday celebration for round $300; greater than half that determine was coated by the money again I had earned on my Blue Money Most popular.
This card is good for individuals who prioritize incomes money again above different currencies, though take into account that redemption choices are restricted in comparison with different cash-back playing cards that allow you to pocket rewards by including them to a checking account or opting to obtain a verify on your rewards stability.
Although I’ve graduated to different playing cards that earn beneficial journey factors as an alternative of money again, I nonetheless have the Blue Money Most popular in my pockets for 2 primary causes:
- The as much as $7 month-to-month Disney Bundle assertion credit score (as much as $84 again per calendar yr, topic to auto-renewal; enrollment required, and phrases apply)
- The three% cash-back fee on transit (paying for metered parking hurts a tiny bit much less after I’m incomes rewards on these expenses)
Earlier than I made the Costco Wherever Visa my main gasoline bank card, the Blue Money Most popular was my go-to due to incomes an honest fee of three% money again at U.S. gasoline stations.
This, coupled with the crown jewel reward class on this card — 6% money again at U.S. supermarkets (on as much as $6,000 per yr, then 1%) — has earned the Blue Money Most popular a well-deserved spot in my pockets yr after yr for over a decade.
For extra particulars, see our full evaluate of the Amex Blue Money Most popular.
Apply right here: Blue Money Most popular
Financial institution of America Personalized Money Rewards bank card
Welcome supply: Earn a $200 on-line money rewards bonus after spending $1,000 on purchases throughout the first 90 days of account opening.
Annual charge: $0.
Standout advantages: The Financial institution of America Personalized Money card does not cost an annual charge, so you possibly can maintain it yr after yr with out worrying about that extra expense. Every month you get to pick out which class you wish to earn 3% money again in from the next choices:
- Fuel and EV charging stations
- On-line procuring (which incorporates cable, streaming, web and telephone service expenses)
- Eating
- Journey
- Drugstores
- Residence enchancment/furnishings
Cardholders additionally earn 2% money again on grocery retailer and wholesale membership purchases (which is nice contemplating you normally must get a wholesale membership cobranded card to earn rewards at these shops).
Each the two% and three% classes famous above are restricted to a $2,500 most every quarter — when you hit it, you may earn 1% money again on purchases.
For those who’re prioritizing incomes money again and in search of flexibility — or in case your spending varies between a few completely different classes month to month — the Personalized Money Rewards is a good card so as to add to your pockets.
One other bonus? If you have already got a relationship with Financial institution of America, you could qualify for the Financial institution of America Most popular Rewards® Program, which may internet you bonuses ranging between 25% and 75% relying on which tier you are in.
For instance, for those who’re a Most popular Rewards Program member on the Gold tier (which nets you a 25% bonus), as an alternative of incomes 3% on gasoline purchases, you may earn 3.75% money again on every fill-up. Platinum tier members will take pleasure in a 50% bonus and earn 4.5% money again, whereas Platinum Honors, Diamond and Diamond Honors members will every obtain a 75% bonus for a complete of 5.25% money again.
For extra particulars, see our full evaluate of the Financial institution of America Personalized Money Rewards card.
Apply right here: Financial institution of America Personalized Money Rewards
Capital One Quicksilver Money Rewards Credit score Card
Welcome supply: Earn a $200 money bonus after spending $500 on purchases throughout the first three months of account opening.
Annual charge: $0.
Standout advantages: The Capital One Quicksilver Money Rewards is a strong card for the cash-back fan who often travels however continues to be getting their footing below them on the subject of bank card rewards.
Although this card does not earn an elevated reward fee within the gasoline class, it does earn limitless 1.5% money again throughout all purchases. For those who do not care to trace particular spend classes and desire a (largely) flat-rate earner, the Quicksilver Money Rewards could also be match.
This card additionally provides you entry to Capital One Journey, the place you may earn a standout 5% money again on inns and rental automobiles booked with the Quicksilver Money Rewards card. Bear in mind how I mentioned that is additionally an honest journey card? Cardholders take pleasure in no overseas transaction charges when utilizing their card overseas, which is good for a product that does not cost an annual charge.
Plus, there is not any minimal redemption quantity, and you’ve got choices on the subject of redeeming your money again. You’ll be able to choose to obtain a press release credit score, verify or reward card or use your reward stability on amazon.com purchases and thru PayPal.
Study extra: Capital One Quicksilver Money Rewards evaluate
Costco Wherever Visa Card by Citi
Welcome supply: None.
Annual charge: $0, although a Costco membership is required to get this card.
Standout advantages: Costco followers can simply profit from holding the Costco Wherever Visa. In case you have a Costco membership, getting — and holding — this card prices nothing due to its lack of an annual charge (see charges and charges). This card options strong gasoline incomes charges and even covers EV charging, making it versatile as properly.
Costco Wherever Visa Card holders can earn 5% cash-back rewards on gasoline at Costco and 4% money again on different eligible gasoline and EV charging purchases (as much as $7,000 in mixed spend per yr; then 1%). This implies you are incomes rewards each time you replenish your tank or cost your EV, which is very helpful for households that use each sorts of automobiles.
One other perk of getting the open-loop Costco Wherever Visa is you can earn strong cash-back charges in different fashionable classes, like 3% at eating places and on eligible journey purchases. Higher but, the journey fee may be stacked on high of the two% money again Govt members get with their premium membership for a mixed 5% money again on journey purchases. This extra 2% fee applies to the primary $50,000 spent annually at Costco, costco.com and Costco Journey however doesn’t apply to the gasoline class. Even so, you are still incomes between 4% and 5% on filling your tank or charging your EV.
Although I really like procuring at Costco and being a Costco Wherever Visa Card holder, and I personally do not thoughts ready a yr to get my reward certificates every February, I can see how this calendar could also be off-putting to some. For those who desire to earn your bank card rewards on a rolling month-to-month foundation, this card is probably not for you.
The excellent news is that there are many different playing cards to select from that earn elevated reward charges on gasoline purchases and supply reward entry extra continuously.
For extra particulars, see our full evaluate of the Costco Wherever Visa.
Apply right here: Costco Wherever Visa
Chase Freedom Flex
Welcome supply: Earn a $200 bonus after spending $500 on purchases within the first three months of account opening.
Annual charge: $0.
Standout advantages: The Freedom Flex is well among the best cash-back playing cards available on the market. It earns beneficiant charges in key spend classes, together with 5% money again in rotating bonus classes (on as much as $1,500 in mixed purchases every quarter you activate) and no less than 1% money again throughout all different purchases that do not match into any of its different reward classes.
Fuel has been included as a bonus class one quarter per yr since TPG started monitoring the bonus classes for this card in 2014. Although these classes fluctuate, chances are high that you can reap the benefits of incomes 5% on gasoline bills three months out of the yr as a Freedom Flex cardholder.
The Freedom Flex makes it so that you simply’re incomes rewards each time you pay, irrespective of the acquisition. This card additionally options some spectacular perks for a no-annual-fee card, similar to cellphone safety, procuring protections and journey cancellation and interruption insurance coverage.
Whether or not you are getting gasoline on a cross-country highway journey or simply filling up on your each day commute, you are incomes — at minimal — 1% money again every time you hit the pump. Plus, whenever you pair this card with one other Chase card that earns Final Rewards factors — just like the Chase Sapphire Most popular Card, the Chase Sapphire Reserve® or the Ink Enterprise Most popular® Credit score Card — you possibly can convert your money again to this beneficial level foreign money.
For extra particulars, see our full evaluate of the Chase Freedom Flex.
Apply right here: Chase Freedom Flex
Chase Sapphire Most popular Card
Welcome supply: Earn 60,000 factors after spending $4,000 on purchases within the first three months of account opening.
Annual charge: $95.
Standout advantages: This card is a workers favourite at TPG due to stellar journey protections and strong incomes charges in fashionable classes. The Sapphire Most popular can also be a superb card for individuals who are prepared so as to add one other card to their roster that earns beneficial transferable factors.
Fuel will not be a particular bonus class on this card, however you’ll earn a flat fee of 1 level per greenback spent whenever you pay with this card on the pump. That won’t sound like a lot, however each level you earn on this card is effective since Chase has a number of nice airline and lodge switch companions — and there are sometimes a number of alternatives to reap the benefits of switch bonuses all year long.
The Sapphire Most popular is a chameleon, incomes beneficiant reward charges throughout fashionable spending classes, although it actually shines as a journey rewards card.
Cardholders earn 5 factors per greenback spent on journey booked through Chase Journey, plus an as much as $50 annual lodge assertion credit score on inns booked by way of this portal. My accomplice has this card, and we ensure that to make use of this lodge credit score yearly (which is straightforward to do because the credit score is utilized routinely with out the necessity for activation).
Cardholders additionally take pleasure in 3 factors per greenback spent on eating, choose streaming providers and on-line groceries and a pair of factors per greenback spent on all different journey purchases.
As a result of this card does not cost overseas transaction charges, you may benefit from the beforehand talked about incomes charges all through the U.S. and overseas, making the Sapphire Most popular the proper journey companion.
For extra particulars, see our full evaluate of the Chase Sapphire Most popular.
Apply right here: Chase Sapphire Most popular
Chase Freedom Limitless
Welcome supply: Earn a $250 bonus after spending $500 on purchases in your first three months of account opening.
Annual charge: $0.
Standout advantages: Chase Freedom Limitless cardholders will take pleasure in incomes no less than 1.5% money again throughout all purchases exterior of the bonus classes featured on this card.
For those who select this as your main gasoline rewards card, you additionally take pleasure in the next incomes charges:
- 5% money again on journey bought by way of Chase Journey
- 3% money again on drugstore purchases
- 3% money again on eating at eating places — together with takeout and eligible supply providers
A flat cash-back fee in all nonbonus classes means fueling up will routinely earn you 1.5% again on each greenback you spend, and since this card does not include an annual charge, getting and holding it’s a internet optimistic yr after yr assuming accountable card utilization.
This card is a good possibility for card novices and professionals alike as a result of it helps fill in any gaps in your reward-earning technique.
Just like the Freedom Flex, the Freedom Limitless lets you switch your money rewards into Chase Final Rewards factors for those who maintain one other Chase card just like the Sapphire Most popular, the Sapphire Reserve or the Ink Enterprise Most popular.
For extra particulars, see our full evaluate of the Chase Freedom Limitless.
Apply right here: Chase Freedom Limitless
Wyndham Rewards Earner Enterprise Card
Welcome supply: Earn as much as 75,000 bonus factors: 50,000 factors after spending $4,000 on purchases and paying the annual charge in full inside 90 days of account opening and earn one other 25,000 factors after spending $12,000 on purchases inside three hundred and sixty five days of account opening.
Annual charge: $95.
Standout advantages: Along with being a strong earner on gasoline purchases — netting a beneficiant 8 factors per greenback spent — this card presents cardholders a reward stability increase of 15,000 bonus factors every anniversary yr.
This product makes probably the most sense for small-business homeowners who’re additionally Wyndham loyalists, because it earns 8 factors per greenback spent on Inns by Wyndham. Others are higher off with a common rewards or journey card.
Along with an honest welcome bonus of as much as 75,000 factors, cardholders can maximize their enterprise bills by incomes 5 factors per greenback spent on advertising, promoting and utilities.
The cherries on high are the automated Diamond elite standing that confers perks like suite upgrades and a welcome amenity at check-in, the flexibility to get complimentary worker playing cards for simpler expense monitoring and the absence of overseas transaction charges — very best for the enterprise traveler.
The knowledge for the Wyndham Rewards Earner Enterprise Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Associated: Tips on how to decide a technique on your small-business bank cards
Study extra: Wyndham Rewards Earner Enterprise Card evaluate
Wyndham Rewards Earner Plus Card
Welcome supply: Earn 45,000 bonus factors after spending $1,000 on purchases within the first 90 days of account opening.
Annual charge: $75.
Standout advantages: The buyer Wyndham Rewards Earner card includes a smaller annual charge ($75) than its enterprise counterpart and nonetheless comes loaded with perks.
For those who frequent Wyndham properties, you may take pleasure in incomes 6 factors per greenback spent at Inns by Wyndham and on gasoline purchases, making this card one other sleeper hit on the subject of incomes gasoline rewards.
This card additionally comes with computerized Platinum elite standing and seven,500 bonus factors every anniversary yr.
The knowledge for the Wyndham Rewards Earner Plus Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Study extra: Wyndham Rewards Earner Plus Card evaluate
U.S. Financial institution Altitude Join Visa Signature Card
Welcome supply: Earn 20,000 bonus factors after spending $1,000 on internet purchases within the first 90 days of account opening.
Annual charge: $0.
Standout advantages: For a no-annual-fee card, the Altitude Join Visa presents some fairly stellar perks and incomes charges the place you need them — particularly for those who’re a traveler, commuter or foodie:
- 5 factors per greenback spent on pay as you go inns and automotive leases booked instantly within the Altitude Rewards Heart
- 4 factors per greenback spent at gasoline and EV charging stations (as much as your first $1,000 every quarter; excludes low cost shops, supercenters and wholesale golf equipment)
- 4 factors per greenback spent on journey purchases made instantly with airways, inns and rental automotive corporations
- 2 factors per greenback spent on eating, on streaming providers and at grocery shops (excluding low cost shops, supercenters and wholesale golf equipment)
Cardholders may also take pleasure in as much as $100 in assertion credit towards their TSA PreCheck or International Entry utility charge (each 4 years) and a complimentary Precedence Cross membership that enables 4 no-cost visits to over 1,600 airport lounges all around the world.
In terms of incomes factors, do not low cost the Altitude Join Visa. There are different playing cards that earn a extra beneficial reward foreign money than the factors issued by U.S. Financial institution, but when these bonus classes align along with your spending, this card could be a strong selection.
The knowledge for the U.S. Financial institution Altitude Join Visa Signature Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Study extra: U.S. Financial institution Altitude Join Visa Signature Card evaluate
What to think about when selecting a gasoline card
You will have tons of choices for those who’re wanting to decide on a gasoline bank card. The excellent news is that we have carried out a whole lot of the heavy lifting for you. If you need a card that earns money again or desire one which earns journey rewards factors, you may discover an possibility for you on this listing. This is what else you must take into consideration earlier than making use of.
Most popular rewards
For those who’re into transferable bank card factors and desire a multipurpose product that earns strong rewards throughout a number of classes, a card just like the Chase Sapphire Most popular is a wonderful possibility. For those who’re a cash-back fanatic, think about an possibility just like the Amex Blue Money Most popular or the Capital One Quicksilver Money Rewards.
For those who’re nonetheless comparatively new to bank card rewards, a cash-back card could supply a extra comfy introduction to incomes and redeeming this particular reward foreign money. For those who’re keen to start out incomes beneficial factors you possibly can switch to accomplice applications, a product just like the Chase Sapphire Most popular could also be extra your pace because it includes a wholesome welcome bonus and strong switch companions like World of Hyatt, Air Canada Aeroplan and Virgin Atlantic Flying Membership. Simply be sure to prioritize a card that is properly suited to your wants.
Associated: Who’re the Chase Final Rewards switch companions? All the things to know
Welcome bonus
A welcome bonus presents a stellar alternative to earn a stash of money again, factors or miles relying on the cardboard you select. In terms of making use of for a gas-specific bank card, think about whether or not the welcome bonus presents you respectable worth along with the principle reward classes featured on the cardboard you are contemplating.
For me, getting the Costco Wherever Visa made sense since I already had a Costco membership and was in search of methods to maximise my reward-earning technique throughout my primary spending classes.
Spending habits
The perfect reward technique is one which covers the classes you spend probably the most cash in; for me, groceries, journey, eating, streaming and gasoline are large ones.
I’ve arrange my pockets to incorporate playing cards that cowl all these bases. When selecting your gasoline bank card, think about which card will earn you elevated reward charges every time you gas up and throughout different classes, too.
Annual charge
Annual charges run the gamut from $0 to sky-high. Whether or not you are keen to pay an annual charge — or wish to keep away from them altogether — our picks for greatest gasoline playing cards supply one thing for each funds.
How we selected the very best gasoline bank cards
To decide on the very best gasoline bank cards, we chosen choices appropriate for several types of budgets and spenders.
We additionally took care to decide on versatile playing cards that earn rewards in fashionable spending classes like streaming, groceries and transit, in addition to playing cards from varied issuers that supply hidden gems like buy safety and even journey delay insurance coverage. For a deeper dive into our choice course of, take a look at our methodology right here.
Redemption choices for gasoline bank cards
Many of the gasoline playing cards on this listing earn money again, although the Chase Sapphire Most popular earns beneficial Final Rewards factors that may be transferred to a number of airline and lodge companions.
The perfect gasoline bank card is the one that’s going to construct up your reward foreign money stash and work on your particular wants.
Backside line
For those who drive a automobile that runs on gasoline or must be charged, you want a gasoline bank card. In any other case, you are leaving cash on the desk — particularly when there are such a lot of versatile choices on the subject of playing cards that earn elevated charges on this class.
If you have already got a Costco membership, think about the Costco Wherever Visa. If you need a no-annual-fee gasoline card, think about the Financial institution of America Personalized Money Rewards card. For those who’re keen to pay a sub-$100 annual charge and spend rather a lot on groceries along with gasoline, you possibly can’t go incorrect with the Amex Blue Money Most popular. You will have choices, and when you resolve what sort of rewards you’d wish to earn and what your hottest spending classes are, you possibly can slender down your choice from there.
For charges and charges of the Amex Blue Money Most popular, click on right here.
Associated: The perfect no-foreign-transaction-fee bank cards