Best Gas Cards for Saving Money

Learn about the best cards to help you save at the gas station.

It makes sense to earn rewards and discounts on the purchases you’re already making, so why not find a way to apply them toward the money you spend filling up your gas tank? The cost of gasoline is always fluctuating, so a card that offers savings at the pump and possibly a little something in return makes sense — especially if you’re a commuter.

Gas cards can be offered by major credit card companies — such as a rewards card — or by gasoline companies. Learn about the best gas cards out there. Using one can help make a difference in what you ultimately pay for fuel.

Best Gas Cards for Saving Money
Gas Credit CardRewards for Gas Card PurchasesHow to Apply
PenFedPenFed Platinum Rewards Visa Signature5x points on gas purchasesLearn More
DiscoverDiscover it Chrome Gas and Restaurant2% cash back at gas stations and restaurants on up to $1,000 in combined spending each quarterLearn More
BofABank of America Cash Rewards3% cash back for first $2,500 in combined grocery store, wholesale club and gas spending each quarterLearn More
DiscoverDiscover it5% cash back in rotating categories, including gas, each quarterLearn More
ChaseChase Ink Business Cash2% cash back on first $25,000 in combined purchases at gas stations and restaurants each yearLearn More
DiscoverDiscover it Chrome for Students2% cash back on combined gas and restaurant purchases on up to $1,000 combined spending each quarterLearn More
AmExAmerican Express Blue Cash Preferred3% cash back for purchases at U.S. gas stationsLearn More
CitiCiti Costco Anywhere Visa4% cash back on eligible gas purchases worldwideLearn More
Wells FargoWells Fargo Propel 365 American Express3x points on gas purchases in the U.S.Learn More
BP Visa5 to 25 cents off per gallon at BP Stations with qualifying purchasesLearn More

10 Best Gas Cards

Each card has a different way of rewarding you or allowing you to save money, so examine all the details before making a decision. Here are the 10 best gas credit cards available:

PenFed Platinum Rewards Visa Signature: 5x Points on Gas Purchases

  • Intro APR: 0% APR for 12 months on balance transfers
  • Ongoing APR: 9.74% to 17.99% APR
  • Fees: 3 percent balance transfer fee

In addition to five times the points on gas, PenFed’s Visa-branded credit card will also allow you to earn three times rewards points for grocery purchases and one time the points for other purchases. You can cash in your rewards for gift cards, travel or shopping. A promotional 0% APR is good for balance transfers made between Oct. 1, 2017 and Dec. 31, 2017.

See: Best Credit Card Offers, Deals and Bonuses

Discover it Chrome Gas and Restaurant Card: 2% Cash Back on Gas

  • Intro APR: 0% APR for 14 months on purchases and balance transfers
  • Ongoing APR: 11.99% to 23.99% APR
  • Fees: 3 percent balance transfer fee; greater of $10 or 5% per cash advance

Discover offers this cash rewards credit card that pays you back for buying fuel and eating out. Use this cash rewards credit card and get 2 percent cash back on up to $1,000 of combined gas and restaurant purchases each quarter, and Discover will automatically match all cash back at the end of the first year for new cardholders. The 14 months of 0% APR for purchases and balance transfers begins from the date you open the card, and balance transfers need to be made to your account by Jan. 10, 2018, to qualify for the introductory offer.

Related: Best Balance-Transfer Credit Cards

Bank of America Cash Rewards: 3% Cash Back on Gas

  • Intro APR: 0% APR for first 12 months
  • Ongoing APR: 13.99% to 23.99% APR
  • Fees: 3 percent balance transfer fee

Earn a $150 online cash rewards bonus if you make at least $500 worth of purchases within the first 90 days of your account opening, plus get 3 percent back on gas up to the first $2,500 in combined gas, grocery or wholesale club purchases each quarter. You can earn additional credit card rewards of 1 percent cash back after you have reached the $2,500 limit in combined purchases. Balance transfers need to be made within 60 days to qualify for the promotional rate.

Discover it: 1% to 5% Cash Back on Gas

  • Intro APR: 0% APR on balances and purchases for first 14 months
  • Ongoing APR: 11.99% to 23.99% APR
  • Fees: 3 percent balance transfer fee; greater of $10 or 5 percent for cash advances

Discover it allows you to earn money even if gas prices are high with the 5 percent back option. Although the 5 percent category does rotate each quarter between gas, restaurant, wholesale club, Amazon.com purchases and more, you can still earn 1 percent back on other purchases. The balance transfer promotion rate lasts for 14 months after the date of the first transfer, and Discover will match new cardholders’ cash back rewards at the end of the first year.

See: How to Choose the Right Rewards Credit Card for You

Chase Ink Business Cash: 2% Cash Bank on Gas

  • Intro APR: 0% APR for first 12 months
  • Ongoing APR: 14.24% to 20.24% APR
  • Fees: Greater of 5 percent or $5 balance transfer fee; greater of $15 or 5 percent per cash advance

Business professionals can earn 2 percent back at the pump and when eating out. In addition to the cash back on gas and restaurant purchases, you can earn 5 percent back on business purchases at office supply stores and on internet, cable and phone services. As an added bonus, get $300 cash back after you spend $3,000 in purchases within the first three months of opening your account.

Discover it Chrome for Students: 2% Cash Back on Gas

  • Intro APR: 0% APR for first six months
  • Ongoing APR: 13.99% to 22.99% APR
  • Fees: 3 percent balance transfer fee; greater of 5 percent or $10 for cash advances

The Discover it Chrome for Students is a great option for college students to use at the pump with 2 percent cash back on up to $1,000 of combined gas and restaurant purchases per quarter. Earn 1 percent cash back on other purchases, and get an extra $20 in rewards each year when you maintain a GPA of 3.0 or higher. Plus, you’ll get an unlimited dollar-for-dollar match on rewards earned the first year.

Check Out: Best Student Savings Accounts

American Express Blue Cash Preferred: 3% Back on Gas

  • Intro APR: 0% APR for 12 months
  • Ongoing APR: 13.99% to 24.99% APR
  • Fees: $95 annual fee; greater of 3 percent or $5 for balance transfers and cash advances

The Blue Cash Preferred Card from American Express might be a better option than most gas station credit cards. In addition to the 3 percent cash back at U.S. gas stations, you can earn up to 6 percent back on grocery purchases up to $6,000 and 1 percent back on other purchases. As an added bonus, you’ll earn $250 back in the form of statement credit after spending $1,000 in purchases within the first three months of card ownership.

Citi Costco Anywhere Visa: 4% Back on Gas Worldwide

  • Intro APR: 0% APR for seven months
  • Ongoing APR: 16.24% APR
  • Fees: Greater of 3 percent or $5 balance transfer fee; greater of 5 percent or $10 for each cash advance

The Citi Costco Anywhere Visa Credit Card offers more flexibility than many gas credit cards. In addition to the 4 percent cash back on gas worldwide, you can earn 3 percent cash back on restaurant and travel purchases, 2 percent cash back on online and in-store Costco purchases, and 1 percent cash back on all other purchases. The 4 percent cash back on gas purchases is available for the first $7,000 per year and then drops to 1 percent thereafter.

Wells Fargo Propel 365 American Express: 3x Points for Gas

  • Intro APR: 0% APR for 12 months
  • Ongoing APR: 14.99% to 22.99% APR
  • Fees: $0 introductory annual fee for the first year, and $45 annual fee per year thereafter; greater of 3 percent or $5 balance transfer fee during the first year; 5 percent or $5 thereafter

The Wells Fargo Propel 365 American Express Card allows you to earn triple points at U.S. gas stations. It also offers a sign up bonus of 20,000 points if you spend $3,000 within the first three months of opening the card. Additionally, you can earn double points at U.S. restaurants and one point per dollar on other purchases. Plus, a free FICO score is available with this credit card.

BP Visa: 5 to 25 Cents off Each Gallon at the Pump

  • Intro APR: N/A
  • Ongoing APR: 27.99% APR
  • Fees: No annual fee; greater of 5 percent or $10 for cash advances

The BP Visa credit card is the best gas credit card for a specific gas station because it allows you to redeem rewards on all purchases at a BP gas pump. For every $100 you spend on gas at BP gas stations within the first 90 days, you’ll get 25 cents off per gallon. You’ll also get 15 cents off per gallon for every $100 spent on groceries, dining and travel and five cents off for each $100 spent on other purchases. You can begin earning rewards 90 days after you open the credit card.

See: 9 Best Credit Card Hacks to Save Money on Everything

Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone and have not been endorsed by American Express.

Editorial Note: This content is not provided or commissioned by the bank advertiser. Opinions expressed here are author’s alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser. This site may be compensated through the bank advertiser Affiliate Program.