Best Credit Cards for Gas
Whether you commute daily or hit the road for weekend getaways, fuel is one of your most predictable expenses, and the right credit card can quietly earn you hundreds back every year. The trick is finding a card whose bonus rate actually applies at the pump without monthly caps eating into your rewards. We ranked the top gas cards by their real earning rate, including EV charging eligibility and spending limits, so you can fill up and earn more.
Rankings are estimates based on published card terms. Actual rewards depend on your spending, redemption, and category qualification. How we rank.
The Top Contenders
#1
Earns 5% on gas with no spending cap.
Points are worth ~0.5¢ each, making the cash-equivalent rate ~2.5%.
7x at Hilton hotels, 5x at U.S. restaurants, supermarkets, and gas stations.
Annual fee: None
Points value: ~0.5¢ each
Sign-up bonus: 70,000 points after $2,000 spend in 6 months
Perfect if: You want solid rewards without paying an annual fee.
Apply Now
#2
Earns 5% on gas, up to $6,000/year.
5% on gas and EV charging (first $6,000/yr), 3% on dining and takeout, 1% elsewhere. Warehouse purchases earn 1% unless you hold a Plus membership.
Annual fee: None
Sign-up bonus: $30 after $30 spend in 1 months
Perfect if: You want solid rewards without paying an annual fee.
Apply Now
#3
Earns 5% on gas with no spending cap.
Points are worth ~0.5¢ each, making the cash-equivalent rate ~2.5%.
Up to 26x at IHG hotels, 5x on travel, gas, and dining.
Annual fee: $99
Points value: ~0.5¢ each
Sign-up bonus: 140,000 points after $3,000 spend in 3 months
Perfect if: You want a strong rewards rate with no spending caps to worry about.
Apply Now
The Rest of the Field
Gemini Credit Card (#5):
4% on gas,
no annual fee.
4% on gas/EV/transit (up to $300/month), 3% dining, 2% groceries.
Wells Fargo Autograph Card (#7):
3% on gas,
no annual fee.
3x points on restaurants, travel, gas, transit, streaming, and phone plans.
How We Rank
Cards are ranked by the rate they earn in this category without conditions. A rate you only get by booking on the issuer’s own site, staying with one hotel chain, or shopping at one store does not count toward the ranking. It is listed underneath the card instead, so a card with a narrow high rate cannot outrank one that simply earns more everywhere. This ranking still does not account for the cash value of points (which varies by card and redemption method), spending caps, or annual fees. All of these are shown per card so you can factor them in.
For a personalized comparison that weighs your actual spending, accounts for caps, subtracts annual fees, and estimates real dollar value, use our calculator.