With the average price of gas now above $3.19 a gallon, cash back at the pump has never been more important. For those who drive a lot of miles, a gas rewards credit card can help you save money in the form of cash back or rewards.
We’ve selected some of the best gas credit cards based on the rewards rate on gas purchases, the rewards rate on other purchases, the signup bonus, if any, and the card’s annual fee.
- Best Gas Rewards Credit Cards
- Citi Custom Cash Card
- Bank of America® Customized Cash Rewards Credit Card
- PNC Cash Rewards Visa Credit Card
- Sam’s Club® Mastercard®
- Costco Anywhere Visa® Card by Citi
- USAA® Cashback Rewards Plus American Express Card
- Blue Cash Preferred® Card from American Express
- Citi Premier Card
- PenFed Platinum Rewards Credit Card
- Other Cards to Consider
- Methodology
- How to Pick a Gas Rewards Credit Card
The Best Gas Credit Cards
There are several cards available today that pay elevated cash back rewards at the pump. Here are the best gas rewards credit cards of 2023.
Blue Cash Preferred® Card from American Express

The card offers a welcome bonus of a $250 statement credit when you spend $3,000 in purchases on your new Card within the first 6 months.
There’s also a 0% intro APR on purchases and balance transfers for 12 months on purchases from the date of account opening, then a variable rate, 18.49% - 29.49%. The card does have an annual fee of $95.
So how much can this card generate in cash back on gas? According to the Bureau of Labor Statistics, the average household spends $250 a month on gas. This would generate $90 in cash back per year just on fuel purchases. That just about takes care of the annual fee. If you also max out the 6% cash back rewards, you’ll earn an additional $360 in cash back.
Rewards Recap:
- 6% cash back at supermarkets and on U.S. streaming services, up to $6,000 per year, then earn 1%
- 3% cash back at U.S. gas stations
- 3% on some transit including taxis, ridesharing services, parking, tolls, trains, and buses
- 1% cash back on all other purchases
Highlights:
- Welcome Bonus: $250
- Gas Rewards Rate: 3%
- 0% Intro APR: 0% intro APR on purchases and balance transfers for 12 months from the date of account opening, then a variable rate, 18.49% - 29.49%
- Annual Fee: $95
Read more in our Blue Cash Preferred® Card from American Express Review.
Citi Custom Cash Card

You don’t have to signup each quarter and you don’t have to worry about which category is active. Just use the card as you normally would, and Citi applies the 5% to the eligible category in which you spent the most (up to $500 a month). And gas is an eligible category.
The card also offers a signup bonus of $200 when you spend $1,500 on the card in the first 6 months.
If you max out the 5% reward each month on gas, you can earn $300 a year on cash back on gas purchases alone.
Rewards Recap:
- 5% cash back for the category in which you spend the most, up to $500 each billing cycle, then 1% cash back
- Unlimited 1% cash back on all other purchases
Highlights:
- Signup Bonus: $200
- Gas Rewards Rate: Up to 5%
- Annual Fee: $0
Read our Citi Custom Cash Card Review.
Bank of America® Customized Cash Rewards Credit Card

You can earn a $200 bonus when you spend $1000 in the first 90 days of account opening and there’s no annual fee.
This card also offers a 0% intro APR on purchases for the first 15 billing cycles.
It’s worth noting, Bank of America Preferred Rewards Members can earn up to 5.25% on their choice category.
If you max out the 3% rewards category, you can earn $300 cash back per year.
Rewards Recap:
- 3% cash back on the category of your choice (up to $2,500 in combined choice, grocery, and wholesale club spending every quarter)
- 2% cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice, grocery, and wholesale club spending every quarter)
- 1% cash back on all other purchases
Highlights:
- Signup Bonus: $200
- Gas Rewards Rate: Up to 3%
- 0% Intro APR on Purchases: 15 billing cycles
- Annual Fee: $0
PNC Cash Rewards Visa Credit Card
The PNC Cash Rewards Visa Credit Card offers 4% cash back on gas purchases for the first $8,000 in combined category purchases every year. That’s a max cash back of $320 per year.
There’s no annual fee and you can get a $200 bonus when you open an account and spend $1,000 in the first 3 billing cycles.
This card also offers a 0% intro APR for the first 12 months on balance transfers made within the first 90 days.
Rewards Recap:
- 4% cash back on gas station purchases
- 3% cash back at restaurants
- 2% cash back at grocery stores
- Earn the rewards above for the first $8,000 in combined category purchases each year
- 1% on all other purchases
Highlights:
- Signup Bonus: $200
- Gas Rewards Rate: Up to 4%
- 0% Intro APR on Balance Transfers: 12 months
- Annual Fee: $0
Sam’s Club® Mastercard®

You can get a $30 credit when open an account and spend $30 at Sam’s Club in the first 30 days.
Rewards Recap:
- 5% cash back on gas, up to $6,000 per year
- 3% on dining
- 1% on all other purchases
Highlights:
- Signup Bonus: $30
- Gas Rewards Rate: Up to 5%
- Annual Fee: $0, but you’ll need a Sam’s Club membership
Costco Anywhere Visa® Card by Citi

There’s no annual fee, but you’ll need a Costco membership to qualify for this card.
If you max out the 4% reward, you can earn $280 a year in cash back on gas alone.
Rewards Recap:
- 4% cash back on gas up to $7,000 per year, then 1%
- 3% cash back on restaurants
- 3% cash back on travel (eligible purchases only)
- 2% cash back on Costco and Costco.com purchases
- 1% cash back on all other purchases
Highlights:
- Signup Bonus: $
- Gas Rewards Rate: Up to 4%
- Annual Fee: $0, but you’ll need a Costco membership
Read our Costco Anywhere Visa® Card by Citi Review.
USAA® Cashback Rewards Plus American Express Card

There’s no annual fee and no foreign transaction fees. This card also offers a 0% intro APR on balance transfers for 15 months when the balance transfer is made within the first 90 days.
Rewards Recap:
- 5% cash back in gas and military base purchases up to $3,000 per year
- 2% cash back on groceries up to $3,000 per year
- Up to 1% unlimited cash back on all other purchases
Highlights:
- Welcome Bonus: $0
- Gas Rewards Rate: Up to 5%
- 0% Intro APR on Balance Transfers: 15 months
- Annual Fee: $0
Citi Premier Card

There is a $95 annual fee, but you can also earn a signup bonus of 60,000 points after spending $4,000 in the first 3 months. The signup bonus alone can get you $600 in gift cards.
This card also has no foreign transaction fees. Points are redeemable for travel rewards, gift cards, and purchases online at Amazon and BestBuy.
Rewards Recap:
- 3x points at gas stations
- 3x points at supermarkets and restaurants
- 3x points on hotels and air travel
- 1x points on all other purchases
Highlights:
- Signup Bonus: 60,000 bonus points
- Gas Rewards Rate: 3x points
- Annual Fee: $95
Read our Citi Premier Card Review.
PenFed Platinum Rewards Credit Card

There’s no annual fee and this card also offers 15,000 bonus points when you spend 1,500 in the first 3 months.
You will need to be a member of the PenFed Credit Union, but membership is easily attainable by opening a PenFed savings account with a $5 minimum deposit. The savings account APY is competitive if you don’t already have a high-yield savings account elsewhere.
Rewards Recap:
- 5x points at gas stations and EV charging stations
- 3x points at supermarkets and restaurants
- 3x points for streaming services
- 1x points for all other purchases
Highlights:
- Signup Bonus: 15,000 bonus points
- Gas Rewards Rate: 5x points
- Annual Fee: $0
Complete List of Gas Rewards Credit Cards
Here are the cards in our database that offer enhanced rewards (more than 1%) on gas purchases:

2X to 6X Points
$125
75,000 Points

1x to 2x Miles
$99
65,000 Miles

1x - 5x
$95
50,000 Points

1% - 5% Cash Back
$0
$500

3x - 26x points
$99
140,000 Points
Methodology
This isn’t rocket science. We looked for the credit cards that pay the highest cash back rewards for gas purchases. Most of the cards listed here do not have an annual fee. The cards with annual fees make it easy to earn back the fee and more with the amount of cash back you can get from regular gas and grocery spending.
You shouldn’t have to jump through hoops to use a great credit card so we also made sure credit cards from credit unions offer easily attainable membership.
How to Pick a Gas Rewards Credit Card
The first step is to determine how many credit cards you want to use on a regularly basis. If it’s just one, you’ll likely do better with a 2% cash back card on all purchases. You won’t earn as much on gas as you would with many of the cards above, but your overall cash back will likely be higher.
If you are willing to carry more than one card, the next step is to evaluate what spending categories generate the most spend. It’s these categories that should determine your second, third or even fourth cards. And if one of those categories is gas, then one of the cards on this page is likely to be a solid option.
Final Thoughts
Finding a card that pays a lot on gas is the easy part. Unless you spend a truckload on gas, you’ll likely spend a lot more in other categories. So it’s important to look beyond the gas rewards rate and evaluate your overall credit card rewards strategy.