The Best Credit Cards for Gas in 2025

Fuel costs add up fast, but if you’re not earning rewards on every gallon, you’re leaving money on the table.

Whether you’re commuting daily or hitting the road for long trips, the right credit cards for gas can turn your routine purchases into valuable perks like cash back, travel points, or hotel discounts.

We’ve sorted through the best gas credit cards of 2025 to help you find the right fit. Some options maximize cash back, others provide flexible rewards, and a few are tailored for loyal customers of specific brands.

Let’s break down the top picks and how to get the most out of them.

Top Credit Cards for Gas

Here are the top gas credit cards that can turn routine fuel spending into valuable rewards:

Let’s take a closer look at how each one works so you can decide which will save you the most at the pump.

Wyndham Rewards Earner® Business Card

If you’re looking for a credit card that turns fuel expenses into valuable travel rewards, the Wyndham Rewards Earner® Business Card is a powerhouse. With 8X points per $1 spent on gas, this card offers the highest earning rate on fuel purchases, making it a top choice for those who drive frequently and want to maximize their points.

This card also earns 8X points on Wyndham hotel stays, 5X points on marketing, advertising, and utilities, and 1X on everything else. Whether you’re using it for business expenses or personal travel, the rewards can add up quickly.

Every dollar spent at gas stations and Wyndham properties earns 8X points, making this one of the most rewarding cards for frequent drivers and travelers. On top of that, you’ll receive 15,000 bonus points every anniversary, which can be redeemed for up to two free nights at select Wyndham hotels.

Even if you don’t use the card for everyday purchases, this recurring bonus alone helps offset the annual fee.

As an added perk, the card comes with complimentary Wyndham Rewards Diamond status, unlocking VIP benefits like suite upgrades, late checkout, and boosted point earnings on hotel stays. If you stay at Wyndham properties regularly, this status upgrade can make every visit even more rewarding.

Wyndham Rewards Earner® Business Card Pros

• 8X points on gas and Wyndham hotels—the highest rate available.
• 5X points on advertising, marketing, and utilities—perfect for business owners.
• Annual 15,000-point bonus, which covers at least one free night per year.
• No foreign transaction fees, making it a great card for international travel.

Wyndham Rewards Earner® Business Card Cons

• No automatic free night upon sign-up—the best perks come after spending.
• Limited travel partners—redemptions are mostly for Wyndham stays.

Wells Fargo Autograph℠ Card

If you’re looking for a rewarding credit cards for gas without an annual fee, the Wells Fargo Autograph℠ Card also stands out as a strong contender. With every swipe at the gas station, on public transit, or dining out, you earn triple points, the same applies to travel, select streaming subscriptions, and even your cell phone bill.

You can redeem them for travel through Wells Fargo or transfer them to participating airline and hotel partners, making it easier to plan your next getaway.

Since this card doesn’t charge an annual fee, it’s a practical choice for earning rewards on everyday purchases.

Wells Fargo Autograph℠ Card Pros

• 3X points on gas, transit, dining, travel, streaming, and cell phone plans
• No foreign transaction fees
• $600 cell phone protection (with a $25 deductible)

Wells Fargo Autograph℠ Card Cons

• Limited transfer options for rewards

Citi Custom Cash® Card

If maximizing cash back on everyday spending is a priority, the Citi Custom Cash® Card makes it easy without an annual fee. With this card, you can earn up to $25 per month in cash back on gas, depending on your spending habits.

Each billing cycle, you automatically receive 5% cash back on your highest eligible spending category, up to $500 per month. Gas stations are one of the qualifying categories, which means frequent fill-ups could lead to significant savings. Once you hit the cap, any additional spending earns 1% cash back.

If you also have a Citi Strata Premier Card, your rewards become even more valuable. You can transfer your Citi Custom Cash® earnings to that account, unlocking access to Citi’s 18 airline and hotel transfer partners.

Citi Custom Cash® Card Pros

• 5% cash back on your top eligible spending category (up to $500 per month), then 1% thereafter
• Eligible categories include gas, dining, groceries, travel, transit, streaming, drugstores, home improvement, fitness clubs, and live entertainment
• 1% cash back on all other purchases

Citi Custom Cash® Card Cons

• Can’t transfer points to Citi’s travel partners unless paired with the Citi Strata Premier Card
• 3% foreign transaction fee
• 5% cash back capped at $500 per billing cycle

American Express® Business Gold Card

For business owners who spend heavily on gas, the American Express Business Gold Card provides a way to earn valuable rewards. Each billing cycle, your two highest spending categories automatically earn 4X Membership Rewards points, with a combined annual limit of $150,000. Since gas purchases at U.S. gas stations qualify, this card can generate thousands of points over time.

Beyond rewards, this card includes statement credits that help offset common business expenses. You can receive up to $20 per month in credits for purchases at FedEx, Grubhub, and office supply stores, plus a $150 Walmart+ membership credit issued in monthly installments of $12.95.

With an annual fee of $375, maximizing these credits can help justify the cost. However, tracking your spending is key—since only the top two spending categories earn 4X points, gas purchases may drop to 1X points if two other categories surpass fuel expenses in a given month.

American Express® Business Gold Card Pros

• 4X points on the top two eligible spending categories per billing cycle, up to $150,000 per year, then 1X
• 3X points on flights and prepaid hotels booked through amextravel.com
• 1X point on all other purchases
• $240 in annual statement credits for select business purchases (enrollment required)
• $150 Walmart+ annual statement credit, issued in monthly installments (enrollment required)
• $100 experience credit when booking a stay of at least two consecutive nights through The Hotel Collection at amextravel.com
• No foreign transaction fees

American Express® Business Gold Card Cons

• Keeping an eye on spending is important—if gas isn’t one of your top two spending categories, fuel purchases only earn 1X points

Chase Freedom Flex®

For those looking to earn cash back on both gas purchases and everyday expenses, all while avoiding annual fees, the Chase Freedom Flex is an excellent option.

With this card, you earn 5% cash back on certain categories such as gas stations, grocery stores, and select online retailers, up to $1,500 in combined purchases per quarter. Keep in mind that you’ll need to activate these categories for the 5% rate to apply.

However, since gas expenses rarely exceed this limit, it’s unlikely you’ll hit the cap. And if you use a different card for grocery purchases, you shouldn’t have to worry about reaching the limit.

On top of that, the card also offers 5% cash back on travel booked through Chase, 3% on dining (including eligible delivery and takeout), and 3% on drugstore purchases.

If you already hold a Chase Ultimate Rewards earning card, such as the Chase Sapphire Preferred or Chase Sapphire Reserve, you can transfer your Freedom Flex points to your Sapphire account and then pass them on to one of Chase’s 14 airline or hotel partners.

Chase Freedom Flex® Pros

• 5% cash back on rotating categories, including gas stations, grocery stores, and select online merchants, up to $1,500 per quarter (activation required)
• 5% cash back on travel booked through Chase
• 3% cash back on dining, including delivery and takeout
• 3% cash back on drugstore purchases
• 1% cash back on all other purchases
• Exclusive partner benefits with Lyft, DoorDash, and Instacart

Chase Freedom Flex® Cons

• 3% foreign transaction fee
• 5% cash back categories require activation each quarter

Bank of America® Customized Cash Rewards Credit Card

For those looking to earn rewards on gas while keeping costs low, the Bank of America Customized Cash Rewards credit card provides a flexible cash-back structure with no annual fee.

This card allows you to choose one eligible spending category to earn 3% cash back, with gas stations and EV charging among the options. In addition, it offers 2% cash back at grocery stores and wholesale clubs. The 3% and 2% cash back rates apply to a combined spending limit of $2,500 per quarter, after which purchases earn 1% cash back.

If you’re a Bank of America Preferred Rewards member, the benefits become even more valuable. Depending on your membership tier, you could receive an additional 25% to 75% cash back, making fuel purchases even more rewarding.

With no annual fee, this card is a solid choice for those who want to earn on gas purchases without needing to maintain high spending levels.

Bank of America Customized Cash Rewards Credit Card Pros

• 3% cash back in one selected category, including gas and EV charging stations, online shopping, dining, travel, phone plans, streaming, home improvement, drugstores, and more
• 2% cash back at grocery stores and wholesale clubs (3% and 2% rates apply to the first $2,500 in combined purchases per quarter, then 1%)
• 1% cash back on all other purchases
• Preferred Rewards members can earn 25% to 75% more cash back

Bank of America Customized Cash Rewards Credit Card Cons

• 3% foreign transaction fee

Citi Strata Premier℠ Card

For frequent travelers who want to earn rewards on gas purchases while unlocking valuable travel redemptions, the Citi Strata Premier Card offers a strong return on spending.

With this card, you earn 3X points on restaurants, supermarkets, gas stations, EV charging stations, air travel, and hotels without any earning caps. Citi ThankYou points add even more flexibility, as they can be transferred to 18 airline and hotel partners, most at a 1:1 ratio. Since these partners span multiple alliances, your redemption options remain wide open.

Cardholders also receive an annual $100 discount on hotel bookings of $500 or more when reserving through Citi’s travel portal. For an annual fee of $95, this card provides solid value, especially for those who plan to redeem their rewards for travel.

Citi Strata Premier℠ Card Pros

• 3X points on restaurants, supermarkets, gas stations, EV charging stations, air travel, and hotels
• 1X point on all other purchases
• No foreign transaction fees
• $100 annual discount on hotel stays of $500 or more when booked through CitiTravel.com
• Access to 18 airline and hotel transfer partners

Citi Strata Premier℠ Card Cons

• Limited additional travel perks

Hilton Honors American Express Surpass® Card

For those who frequently stay at Hilton properties, the Hilton Honors American Express Surpass Card offers a way to turn gas purchases into hotel rewards. This card earns 6X Hilton Honors points on gas purchases made at U.S. gas stations. If you put $2,000 in fuel expenses on the card each year, you would earn 12,000 Hilton Honors points, enough for at least two entry-level free nights, as redemptions start at 5,000 points.

Beyond gas rewards, the card provides a range of Hilton-specific perks. Cardholders receive an annual $200 Hilton statement credit, issued as $50 in quarterly credits, for direct spending at Hilton hotels. It also grants automatic Hilton Honors Gold status, which includes room upgrades and complimentary breakfast at select properties.

With a $150 annual fee, this card offers plenty of value for those who frequently stay at Hilton hotels. However, if you rarely book Hilton properties, a more flexible travel rewards card may be a better fit.

Hilton Honors American Express Surpass® Card Pros

• 12X points on eligible purchases made directly with Hilton hotels and resorts
• 6X points on gas purchases at U.S. gas stations
• 6X points on dining at U.S. restaurants, including takeout and delivery
• 6X points on groceries at U.S. supermarkets
• 4X points on U.S. online retail purchases
• 3X points on all other eligible purchases
• Complimentary Hilton Honors Gold status
• $200 annual Hilton statement credit ($50 issued quarterly)
• Free night reward after $15,000 in purchases within a calendar year
• Complimentary National Car Rental Emerald Club Executive status (enrollment required)
• No foreign transaction fees

Hilton Honors American Express Surpass® Card Cons

• No automatic free anniversary night
• Earning Hilton Honors Diamond status requires $40,000 in annual spending

U.S. Bank Altitude® Connect Visa Signature® Card

For those who want premium travel perks while earning rewards on gas purchases, the U.S. Bank Altitude Connect Visa Signature Card offers a strong mix of benefits. This card earns 4X points on gas, EV charging stations, and travel, making it a valuable option for frequent drivers and travelers alike.

Beyond fuel and travel rewards, the card provides 5X points on prepaid hotels and car rentals booked through the Altitude Rewards Center and 2X points at grocery stores, on grocery delivery, dining, and streaming services.

Cardholders also receive premium travel perks, including four complimentary visits per year to Priority Pass Select airport lounges and a $100 credit for a Global Entry or TSA PreCheck application fee every four years.

One limitation is U.S. Bank’s lack of transfer partners, which means points can’t be moved to airline or hotel loyalty programs. However, they can be redeemed for travel at a rate of one cent per point through U.S. Bank’s travel portal.

With an annual fee of $95—waived for the first year—this card offers strong value for those who frequently spend on gas and travel.

U.S. Bank Altitude® Connect Visa Signature® Card Pros

• 5X points on prepaid hotels and car rentals booked through the Altitude Rewards Center
• 4X points on gas stations, EV charging stations, and travel
• 2X points at grocery stores, grocery delivery, dining, and streaming services
• 1X point on all other eligible purchases
• No foreign transaction fees
• $30 annual credit for select streaming services, including Netflix, Apple TV+, and Spotify
• Four complimentary Priority Pass Select lounge visits per year
• $100 credit for a Global Entry or TSA PreCheck application fee every four years

U.S. Bank Altitude® Connect Visa Signature® Card Cons

• Limited redemption flexibility due to the absence of transfer partners

Blue Cash Preferred® Card from American Express

For those looking to maximize cash back on everyday spending, the Blue Cash Preferred Card from American Express delivers strong rewards, particularly for families. With a $0 annual fee for the first year and $95 thereafter.

Gas purchases at U.S. gas stations earn 3% cash back with no earning cap, allowing you to accumulate rewards throughout the year. Cash back is issued as Reward Dollars, which can be redeemed for statement credits or used at checkout on Amazon.

This card also works well for transit expenses. Authorized users can earn 3% cash back on taxis, trains, and buses, making it a practical option for households with multiple travelers.

One of its standout features is the 6% cash back on up to $6,000 per year in U.S. supermarket purchases, after which the rate drops to 1%. If you reach this spending cap, you’ll earn $360 in cash back—more than enough to cover the annual fee. Combined with rewards earned on gas and other purchases, this card can quickly pay for itself.

However, American Express has specific rules about which purchases qualify. Gas bought at warehouse clubs, supermarkets, and superstores won’t earn 3% cash back. Similarly, supermarket purchases made at convenience stores, warehouse clubs, or superstores won’t qualify for the 6% rate.

Blue Cash Preferred® Card from American Express Pros

• 6% cash back on up to $6,000 per year in purchases at U.S. supermarkets, then 1%
• 6% cash back on select U.S. streaming subscriptions
• 3% cash back on gas purchases at U.S. gas stations
• 3% cash back on transit, including taxis, trains, and buses
• 1% cash back on all other eligible purchases
• $84 annual Disney bundle credit ($7 per month for eligible Disney+, Hulu, or ESPN+ subscriptions)
• $120 annual Equinox+ credit ($10 per month, enrollment required)

Blue Cash Preferred® Card from American Express Cons

• 2.7% foreign transaction fee
• 6% cash back on supermarkets is capped at $6,000 per year in spending

Blue Cash Everyday® Card from American Express

For those who want to earn strong cash-back rewards without paying an annual fee, the Blue Cash Everyday Card from American Express offers a well-rounded alternative to its premium counterpart, the Blue Cash Preferred Card.

This card provides 3% cash back on gas purchases at U.S. gas stations, as well as on groceries from U.S. supermarkets and online retail purchases. Each bonus category is capped at $6,000 in annual spending, after which the cash-back rate drops to 1%. Cash back is issued as Reward Dollars, which can be used as statement credits or redeemed at checkout on Amazon.

For most cardholders, the spending cap isn’t a major concern. Unless you’re on the road constantly, reaching $6,000 in gas purchases per year is unlikely. Even if you max out all three bonus categories, you’d earn $180 in each, totaling $540 in annual cash back—all without an annual fee.

Beyond everyday spending rewards, the card also offers additional perks, including an annual Home Chef statement credit and a Disney bundle credit for eligible streaming subscriptions.

Why It Stands Out

• 3% cash back on gas purchases at U.S. gas stations (up to $6,000 per year, then 1%)
• 3% cash back on grocery purchases at U.S. supermarkets (up to $6,000 per year, then 1%)
• 3% cash back on U.S. online retail purchases (up to $6,000 per year, then 1%)
• 1% cash back on all other eligible purchases
• $180 annual Home Chef statement credit ($15 per month, enrollment required)
• $84 annual Disney bundle statement credit ($7 per month for eligible Disney+, Hulu, or ESPN+ subscriptions)

Possible Drawbacks

• 2.7% foreign transaction fee
• Bonus categories have a $6,000 annual spending cap

Hilton Honors American Express Card

The Hilton Honors American Express card earns 5X points on gas purchases at U.S. gas stations, meaning that if you spend $2,000 per year on fuel, you’ll accumulate 10,000 Hilton Honors points—twice the minimum required for a free night at select Hilton properties.

Cardholders also receive complimentary Hilton Honors Silver status, with the opportunity to upgrade to Gold status by spending $20,000 in a calendar year. In addition to gas, the card rewards everyday spending by offering 5X points on dining and groceries, making it easy to accumulate points for future Hilton stays.

For those who visit Hilton properties a few times per year, this card can provide solid value without added costs.

Hilton Honors American Express Card Pros

• 7X points on eligible purchases at Hilton hotels and resorts
• 5X points on gas purchases at U.S. gas stations
• 5X points on dining at U.S. restaurants, including takeout and delivery
• 5X points on grocery purchases at U.S. supermarkets
• 3X points on all other eligible purchases
• Complimentary Hilton Honors Silver status
• No foreign transaction fees
• Opportunity to upgrade to Hilton Honors Gold status after $20,000 in spending within a calendar year

Hilton Honors American Express Card Cons

• No statement credits

Costco Anywhere Visa® Card by Citi

For Costco members who frequently buy gas, the Costco Anywhere Visa Card by Citi offers a competitive cash-back structure that rewards everyday spending.

This card earns 4% cash back on eligible gas and EV charging purchases, up to $7,000 per year. Once you reach that cap, additional gas purchases earn 1%. It also provides 3% cash back on dining and eligible travel, including bookings made through Costco Travel, along with 2% cash back on all purchases from Costco and Costco.com.

While the card itself has no annual fee, a Costco membership is required to apply, which means you’ll need to pay at least $60 per year to keep the card.

Why It Stands Out

• 4% cash back on eligible gas and EV charging purchases (up to $7,000 per year, then 1%)
• 3% cash back on restaurants and eligible travel, including Costco Travel
• 2% cash back on all purchases from Costco and Costco.com
• 1% cash back on all other purchases
• No foreign transaction fees
• Includes various travel insurance benefits

Possible Drawbacks

• Limited redemption options

Choosing the Right Credit Card for Gas

When it comes to credit cards for gas, you’ll find two main types: co-branded gas station cards and general travel rewards cards. Each works differently, so choosing the right one depends on how you prefer to earn and redeem rewards.

Co-branded gas station cards are tied to specific fuel brands, offering per-gallon discounts when you fill up at their locations. Take the Exxon Mobil Smart Card+ as an example—you’ll get savings at Exxon and Mobil stations, plus additional discounts on convenience store purchases and car washes.

But since these cards apply a fixed cent-per-gallon discount, the actual percentage you save drops when gas prices go up. If prices spike, your discount may feel far less significant.

On the other hand, travel rewards credit cards provide more flexibility. You’re not locked into a single gas station, so you can earn points or cash back on fuel purchases wherever it’s most convenient. These cards don’t just focus on gas—they often include rewards on dining, travel, and other expenses.

Another advantage is that their rewards are based on a percentage of what you spend, so you won’t lose value if gas prices increase. You can also redeem points for travel, transfer them to airline and hotel loyalty programs, or use them for statement credits.

Is a Gas Credit Card Worth It?

What You Gain

• Lower fuel costs – Whether through per-gallon discounts, cash back, or points, a gas credit card helps offset the cost of filling up. Depending on the type of card, you may also be able to redeem rewards for travel or transfer points to hotel and airline partners.
• Fraud protection – Since gas stations often have unattended pumps, they’re common targets for card skimming and fraud. Most credit cards offer $0 fraud liability, so if someone gets hold of your details, you won’t be responsible for unauthorized charges.

What to Watch Out For

• Limited redemption options – Not all credit cards for gas are created equal. If you’re using a co-branded gas station card, your rewards are often limited to fuel discounts and store purchases. In contrast, travel rewards cards offer far more flexibility when redeeming points.
• Changing savings value – If you opt for a gas station credit card, keep in mind that its discount structure doesn’t scale with fuel prices. Since savings are based on cents per gallon rather than a percentage of your total purchase, you’ll see diminishing returns when gas prices climb.

Finding the Right Credit Cards for Gas for Your Wallet

Choosing the best gas credit card starts with understanding your spending habits and financial goals. Are you looking to cut costs at the pump, or do you want to earn rewards that can be used for travel? The right card depends on how you plan to use it and whether you’re willing to pay an annual fee in exchange for better benefits.

Prioritizing Simple Savings on Gas

If your main goal is to reduce fuel costs, a straightforward cash-back card with no annual fee may be the best option. These cards keep things simple—use them at the pump, earn cash back, and apply it as a statement credit. However, before settling on a no-fee card, it’s worth checking whether a card with an annual fee offers a higher cash-back rate that could earn you more in the long run, even after factoring in the fee.

Another option is a gas station co-branded card. These provide per-gallon discounts but only at specific fuel chains. If you consistently buy gas from the same station, this could be a useful way to save. However, if gas prices rise, your savings become a smaller percentage of what you’re paying, making these cards less predictable in value.

Earning Travel Rewards on Gas Purchases

If you prefer to turn gas purchases into travel rewards, a travel rewards credit card will be the better choice. These cards earn points that can be redeemed for flights, hotel stays, or other travel expenses.

For those who frequently fly with a specific airline or stay at a particular hotel chain, a co-branded airline or hotel card that earns rewards on gas could provide extra value. Cards like the Citi AAdvantage Platinum Select Mastercard or the Hilton Honors American Express Card are good examples.

If flexibility is your priority, a general travel rewards card that earns transferable points is the way to go. The Citi Strata Premier card, for example, allows you to redeem points for travel purchases or transfer them to one of Citi’s 18 airline and hotel partners.

Maximizing Rewards with a Multi-Card Strategy

Since gas isn’t always a primary bonus category for travel rewards cards, using a combination of cards can help you maximize earnings. Pairing a no-fee gas rewards card with a premium travel card could give you the best of both worlds.

For example, the Citi Custom Cash Card and Citi Double Cash Card both offer strong cash-back rates. While they issue cash back by default, if you also have a Citi Strata Premier card, you can transfer those earnings into ThankYou points. This opens up travel redemption options, including transfers to airline and hotel loyalty programs.

A similar strategy works with Chase cards. The Chase Freedom Flex earns cash back on gas, but when paired with a Chase Sapphire Preferred, Chase Sapphire Reserve, or Ink Business Preferred card, those earnings can be converted into Ultimate Rewards points. These can then be used for travel bookings or transferred to one of Chase’s 14 travel partners.

Getting the Most Out of Your Gas Credit Card

Using a gas credit card effectively comes down to two key habits: frequent use and responsible management.

Every time you fill up, make sure you’re earning rewards—whether that’s cash back, points, or travel perks. The more you use the card, the more you’ll accumulate, helping to offset any annual fees and maximize value. Simply put, if you’re paying for gas, you might as well be earning something in return.

That said, how you manage your card matters just as much as how often you use it. Carrying a balance or missing payments can quickly erase any benefits. Interest charges and late fees will cost far more than any rewards you earn, making it critical to pay off your balance in full each month.

Turning Gas Expenses into Meaningful Rewards

Fuel costs add up over time, making them an easy way to accumulate rewards if you choose the right card. Whether you’re covering daily commuting expenses or using a credit card for bigger financial goals, maximizing your rewards strategy is key.

To get the best return, avoid gas station-branded credit cards. While they offer per-gallon discounts, they typically lack the flexibility of general travel rewards credit cards. Instead, look for a card that either provides straightforward cash back on fuel or allows you to earn transferable points that can be used for flights, hotels, and other travel expenses.

Even a no-annual-fee card dedicated to gas purchases can add long-term value, while a premium travel rewards card can unlock even greater benefits. Regardless of the option you choose, every purchase at the pump should work in your favor.