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.

Quick Answer

Our #1 Pick

Hilton Honors American Express Card

5% on gas No annual fee

Also Consider

IHG One Rewards Premier Card

5% on gas $99/yr

Which card wins depends on your spending. Try the calculator to see your personalized ranking.

The Top Contenders

Hilton Honors American Express Card

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.

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IHG One Rewards Premier Card

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: 175,000 points after $5,000 spend in 3 months

Perfect if: You want a strong rewards rate with no spending caps to worry about.

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Bilt World Elite Mastercard

Earns a flat 4% on all purchases — no categories to track. Up to 1x points on rent/mortgage, 4% Bilt Cash on everyday spend.

Annual fee: None

Perfect if: You want solid rewards without paying an annual fee.

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The Rest of the Field

Costco Anywhere Visa Card by Citi (#4) — 4% on gas, no annual fee. 4% on gas/EV (up to $7,000/yr), 3% on restaurants and travel, 2% on Costco purchases.

Gemini Credit Card (#5) — 4% on gas, no annual fee. 4% on gas/EV/transit (up to $300/month), 3% dining, 2% groceries.

Fold (#6) — 3.5% on gas, no annual fee. Up to 3.5% bitcoin back on all purchases.

Blue Cash Everyday Card from American Express (#7) — 3% on gas, no annual fee. 3% at U.S. supermarkets, gas stations, and online retail (each up to $6,000/yr).

How We Rank

Cards are ranked by their stated rewards rate in this spending category. This ranking does not account for: the cash value of points (which varies by card and redemption method), spending caps, annual fees, or portal booking requirements. 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.

Frequently Asked Questions

Which credit card gives the most cash back on gas?

The Gemini Credit Card earns 4% on gas and EV charging (up to $300/month). The IHG One Rewards Premier and Blue Cash Preferred both earn 3-5% on gas depending on how you value their points.

Do gas station convenience store purchases count?

Usually yes — purchases at the gas station register typically code under the gas station merchant category. However, paying at the pump vs. inside can sometimes affect coding.

Are EV charging stations included in gas rewards?

Some cards include EV charging under their gas/fuel category. The Gemini Credit Card and Citi Strata Premier both include EV charging. Check your card's terms for specifics.

Is a gas rewards card worth it if I drive less?

If you spend under $100/month on gas, the rewards difference between cards is small. A flat-rate card like the Citi Double Cash (2% on everything) may be simpler. Use our calculator to see.

Your Spending Is Unique

These rankings are based on stated rates. The card that actually earns you the most depends on how much you spend in each category, annual fees, and spending caps. Enter your numbers to see your personalized ranking.

See Your Best Card

Best Credit Cards for Gas