The Best Credit Cards for Gas of June 2022
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The 10 best gas credit cards of June 2022
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With fuel prices rising, it makes more sense than ever to use a rewards credit card that includes gas stations as a bonus category. The very best of these gas credit cards also earn extra points, miles, or cash back in other popular categories, like travel or dining. There are even a handful of credit cards that include EV charging stations in the gas station category — so if you drive an electric vehicle, there are still options for you to earn bonus rewards.
Choosing the best gas credit card for you boils down to the types of rewards you like to earn and your overall spending habits. Here are our top credit card picks to make the most of your spending at the pump.
We're focused here on the rewards and perks that come with each card. These cards won't be worth it if you're paying interest or late fees. When using a credit card, it's important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.
The best gas card if you shop at Costco: Costco Anywhere Visa® Card by Citi
- Generous cash-back categories, especially for gas purchases
- No foreign transaction fee
- You can only receive rewards once per year
- You need to visit a Costco location to redeem rewards for cash back instead of merchandise
- Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
- 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
- 3% cash back on restaurants and eligible travel purchases
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
- No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
- Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
- The standard variable APR for Citi Flex Plan is 16.74%. Citi Flex Plan offers are made available at Citi's discretion.
Best flexible points earning rate, including EV charging stations: U.S. Bank Altitude® Connect Visa Signature® Card
- Great earning rate on travel and at gas stations (4x points = 4% back)
- Bonus points on streaming services plus $30 yearly streaming credit can save you money
- Global Entry or TSA PreCheck application fee credit is worth up to $100
- Annual fee after the first year
- No airline or hotel transfer partners
- Intro Offer: Earn 50,000 bonus points when you spend $2,000 in eligible purchases within the first 120 days of account opening. That's a $500 value redeemable towards travel, gift cards, cash back, merchandise and more.
- 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center.
- 4X points on travel, gas stations, and EV charging stations.
- 2X points on streaming services. Plus, a $30 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more!
- 2X points at grocery stores, grocery delivery, and dining.
- Receive up to $100 in statement credits for reimbursement toward your TSA PreCheck® or Global Entry® application fee once every four years.
- 1X point on all other eligible purchases.
- Points never expire.
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
- Terms and conditions apply.
Best if gas is your top spending category: Citi Custom Cash℠ Card
- Flexibility to customize rewards by earning 5x points on up to $500 per billing cycle in your top spending category (from a list)
- Generous welcome offer for a no-annual-fee card
- No rotating bonus categories to sign up for or track
- Earn valuable Citi ThankYou points which you can redeem for cash back, travel, gift cards, merchandise, and more
- Only earns 1% back outside of $500 in top spending category each billing cycle
- Foreign transaction fee of 3%
- Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 15.49% - 25.49%, based on your creditworthiness.
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
- No rotating bonus categories to sign up for - as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- No Annual Fee
- Citi will only issue one Citi Custom Cash℠ Card account per person.
Best for earning Citi points: Citi Premier® Card
- Strong bonus
- Generous bonus categories
- Doesn't offer much in the way of statement credits or other perks
- Citi ThankYou Rewards may not be as convenient as other points for US-based travelers
- For a limited time, earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
- Earn 3 Points per $1 spent at Restaurants and Supermarkets
- Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
- Earn 1 Point per $1 spent on all other purchases
- Annual Hotel Savings Benefit
- 80,000 Points are redeemable for $800 in gift cards when redeemed at thankyou.com
- No expiration and no limit to the amount of points you can earn with this card
- No Foreign Transaction Fees on purchases
Best for earning Chase points: Chase Freedom Unlimited®
- Solid flat cash-back rate
- You can combine cash-back rewards with Ultimate Rewards points if you have an eligible card
- No annual fee
- Some other cards offer a higher rate of cash back on certain types of purchases
- Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.74% - 24.49%.
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Best for earning Amex points: Amex EveryDay® Preferred Credit Card
- Strong rewards at US supermarkets
- You can earn a 50% points bonus each billing period when you make at least 30 purchases
- Annual cap on earning bonus rewards at US supermarkets
- Not the best option for earning rewards outside of US supermarkets and US gas stations — especially if you don't make at least 30 purchases per billing statement to earn the bonus
- The information for the Amex EveryDay Preferred Card has been collected independently by Business Insider, and has not been reviewed or provided by the card issuer
- 3x points at US Supermarkets
- 2x points at US gas stations
- 1x points on all other eligible purchases
- Use your Card 30 or more times on purchases in a billing period and earn 50% extra points on those purchases less returns and credits. Terms apply.
Best Amex card for cash back on gas purchases: Blue Cash Preferred® Card from American Express
- Generous bonus rewards, especially at U.S. supermarkets
- One of a small handful of credit cards that offer bonus rewards on select streaming services
- Intro APR offer
- Unlike many other cash-back cards, it charges an annual fee
- If you spend more than $6,000 at US supermarkets each year, you'll want to use another card once you reach that cap
- Earn a $350 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 12 months after account opening. Plans created after that will have a fixed monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low intro APR: 0% intro APR for 12 months on purchases from the date of account opening, then a variable rate, 15.49% to 25.49%
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
- 1% Cash Back on other purchases.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
- $95 Annual Fee.
- Terms Apply.
- See Rates & Fees
Best business gas credit card: American Express® Business Gold Card
- You can bonus points on the categories where you make the most purchases (from a list of options)
- 25% points rebate when you use rewards to book an eligible flight through Amex Travel
- High annual fee
- Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
- **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
- Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
- Pay Over Time Option: Decide whether you want to pay eligible purchases in full each month-or pay over time with interest.*
- *Terms Apply
Best for gas and EV charging, if you're willing to join PenFed credit union: PenFed Platinum Rewards Visa Signature® Card
- Strong rewards on gas and groceries
- Intro APR offer on balance transfers
- No annual fee
- You have to be a PenFed Credit Union member to apply
- PenFed Rewards aren’t worth as some other credit card points
Best for choosing gas as a 3% bonus category: Bank of America® Customized Cash Rewards Credit Card
- No annual fee
- Broad 2% and 3% cash-back categories
- 2% and 3% cash-back categories capped at $2,500 in combined purchases each quarter
- Earn a $200 cash rewards bonus after you spend $1,000 on purchases within 90 days of account opening
- Earn 3% back in a category of your choosing among gas, online shopping, dining, travel, drug stores, or home improvement/furnishings, 2% back at grocery stores and wholesale clubs and 1% back on other purchases; bonus rewards in 3% and 2% categories are capped on the first $2,500 spent each quarter, after which you’ll earn 1%
- No annual fee
- Redeem rewards for cash back, statement credits, or a transfer to eligible Bank of America or Merrill accounts
The best gas credit cards of June 2022
Costco Anywhere Visa card (jump to Costco Anywhere Visa card details »)
The Costco Anywhere Visa® Card by Citi offers 4% cash back on eligible gas purchases worldwide (not just at Costco gas stations) on up to $7,000 in purchases per year (then 1%). Plus, you'll earn 3% back on restaurant and eligible travel purchases worldwide, 2% back on all other purchases from Costco and costco.com, and 1% back on everything else.
There's no annual fee, but you need a Costco membership to earn rewards. While gas station earning on the Costco Anywhere Visa® Card by Citi is excellent, the card doesn't issue cash-back the same way other cards do. You'll only receive your rewards once per year, in the form of a certificate you can redeem for cash back or merchandise at Costco.
Read the Costco Anywhere Visa Card by Citi review to learn more.
U.S. Bank Altitude Connect card (jump to U.S. Bank Altitude Connect card details »)
The U.S. Bank Altitude® Connect Visa Signature® Card has a great 4x earning rate at gas stations and on travel, and it's not capped like on some other cards. The gas station category was recently expanded on US Bank cards to include EV charging stations, so this is card a good choice for all types of vehicle owners.
Cardholders also earn 2x points at grocery stores and on grocery delivery, dining, and streaming services, and 1 point per dollar on everything else.
Each point is worth 1 cent toward cash back, travel, gift cards, or merchandise, so the U.S. Bank Altitude® Connect Visa Signature® Card effectively earns 4% back at gas stations. The annual fee is $95, waived for the first year, and you'll get other perks like a Global Entry/TSA PreCheck application fee credit, streaming credits, cell phone protection, and Visa Signature benefits.
Read our US Bank Altitude Connect card review to learn more.
Other US Bank cards that offer a bonus on gas and EV charging include the U.S. Bank Altitude® Go Visa Signature® Card (2x points), U.S. Bank Cash+® Visa Signature® Card (2% cash back when you choose gas and EV charging as your everyday category), and U.S. Bank Business Triple Cash Rewards World Elite Mastercard® (3% cash back).
Citi Custom Cash card (jump to Citi Custom Cash card details »)
The Citi Custom Cash℠ Card is unique in that cardholders earn 5% cash back on up to $500 in purchases in the eligible category they spend the most in each billing cycle (then 1%), and 1% on all other purchases.
Gas stations are one of the eligible categories — along with restaurants, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment. If gas is a big expense for you, using the Citi Custom Cash℠ Card for your purchases could earn you up to $25 in bonus cash back per month ($500 x 5% back).
The Citi Custom Cash℠ Card is also offering a welcome bonus of $200 in cash back, fulfilled as 20,000 ThankYou® Points, after you spend $750 on purchases in the first 3 months of account opening. For a card with a $0 annual fee, this is a solid deal. Just remember it only earns 1% back outside of your highest spending category each month, so other cards — like the Citi Premier® Card — may be a better fit if you want to earn strong rewards in multiple categories.
Learn more in the Citi Custom Cash credit card review.
Citi Premier card (jump to Citi Premier card details »)
The Citi Premier® Card is a terrific all-around pick if you like earning flexible Citi ThankYou points and spend a lot in popular everyday categories. You'll earn 3x points at gas stations, restaurants, supermarkets, hotels, and on air travel, and 1 point per dollar on everything else.
New cardholders can earn a welcome bonus of 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening, and you can use points for travel through the Citi ThankYou portal, transfer them to airline and hotel partners, or redeem them for gift cards, merchandise, cash back, and more.
You can learn more in our Citi Premier credit card review.
If you want to earn the most Citi ThankYou points on your spending, consider opening the Citi Trifecta — the Citi Premier® Card, Citi® Double Cash Card, and Citi Custom Cash℠ Card — to earn at least 2x points on every purchase.
Chase Freedom Unlimited (jump to Chase Freedom Unlimited card details »)
The Chase Freedom Unlimited® is marketed like a cash-back card, but it actually earns valuable Chase Ultimate Rewards® points. You'll earn 1.5% back (1.5 Chase Ultimate Rewards points per dollar) on most purchases, including at gas stations — plus 5% back (5x) on travel booked through Chase, 5% back on Lyft rides through March 2025, and 3% back (3x) on dining and at drugstores.
If you're willing to keep track of rotating bonus categories, it's worth looking at the Chase Freedom Unlimited®'s sibling, the Chase Freedom Flex℠. With the Chase Freedom Flex℠, you can earn 5% cash back (5x points) in rotating categories on up to $1,500 in combined purchases each quarter when you activate (then 1% back). Gas stations have made a frequent appearance on the Chase Freedom 5x calendar, including from April through June 2021.
Read the Chase Freedom Unlimited card review for more info.
Right now, there are alternate offers available through Chase for the Freedom Flex and Freedom Unlimited — read our guide to the current Chase Freedom offers to compare and decide which is best for you.
Amex EveryDay Preferred card (jump to Amex EveryDay Preferred card details »)
If you prefer transferable Amex Membership Rewards points, the Amex EveryDay® Preferred Credit Card is a good option, especially if you make a lot of purchases overall each month.
The card earns 2x points at US gas stations and 3x points at US supermarkets (on up to $6,000 in purchases per year, then 1%), but if you make 30 or more purchases in a billing cycle, you'll receive 50% more points on purchases that period. Effectively, if you reach the purchase threshold, you could earn 3x points when you fuel up.
Amex Blue Cash Preferred card (jump to Amex Blue Cash Preferred card details »)
The Blue Cash Preferred® Card from American Express is a great card for those who spend a lot on gas, groceries, and commuting. Right now, it's offering a great welcome bonus too — $350 statement credit after you spend $3,000 in purchases on your new card within the first 6 months from account opening.
It earns 3% cash back at US gas stations and on transit (including taxis, rideshares, parking, tolls, trains, and buses), 6% cash back on select US streaming services, 6% back on the first $6,000 spent at U.S. supermarkets each year, then 1%, and 1% back on all other eligible purchases (cash back is received in the form of Reward Dollars).
Read the Amex Blue Cash Preferred card review to learn more.
Amex Business Gold card (jump to Amex Business Gold card details »)
If you qualify for a small-business credit card and spend a lot on gas, the American Express® Business Gold Card could earn you a lot of Membership Rewards points. It's got a unique earning structure — cardholders earn 4x points on the two categories where their business spends the most each billing cycle, up to $150,000 per calendar year (then 1x), and 1 point per dollar on all other purchases.
The list includes:
- Airfare purchased directly from airlines
- U.S. gas stations
- U.S. restaurants (including takeout and delivery)
- U.S. shipping providers
- U.S. computer hardware, software, and cloud systems from select technology providers
- U.S. purchases for advertising in select media (online, TV, radio)
Read more in the Amex Business Gold card review.
PenFed Platinum Rewards card (jump to PenFed Platinum Rewards card details »)
To qualify for the PenFed Platinum Rewards Visa Signature® Card, you'll need to be a member of the PenFed (Pentagon Federal) Credit Union. You don't need a military affiliation to join — all that's required is that you fund a savings account with a minimum of $5 — and you can do so when you apply for the card.
The PenFed Platinum Rewards Visa Signature® Card earns a whopping 5x points on gas purchases at the pump and at EV charging stations. It also earns 3x points on groceries, and 1 point per dollar on everything else with no caps. Keep in mind redeeming rewards isn't straightforward — the value of your points varies depending on what you use them for (travel, gift cards, or merchandise) and there's no option to use points for cash back.
Bank of America Customized Cash card (jump to Bank of America Customized Cash card details »)
If your spending habits change from time to time, having a card that allows you to customize your bonus categories can be a real plus. The Bank of America® Customized Cash Rewards Credit Card gives you the option to choose one 3% bonus category each month, from a list:
- Online shopping
- Dining
- Travel
- Drug stores
- Home improvement/furnishings
Along with earning 3% back in the category you choose, you'll also earn 2% back at grocery stores and wholesale clubs, up to a combined maximum of $2,500 in spending each quarter between the 3% and 2% categories (then you'll earn 1%).
If you're a Bank of America Preferred Rewards customer, the card gets even more compelling. Depending on how much you have on deposit with Bank of America and/or Merrill, you could earn 25% to 75% more rewards — so, at the top tier, you could earn 5.25% back on gas purchases instead of 3%.
Read the Bank of America Customized Cash Rewards credit card review to learn more.
How we chose the best gas credit cards
We considered rewards cards that are currently available to new applicants in deciding on the top credit cards for gas purchases, along with these factors:
- Simplicity — Does the card make it easy to redeem rewards, and have a program that's easy to understand?
- Earning potential — Does the card earn generous rewards on gas, and are there other bonus categories that line up with everyday spending habits?
- Welcome bonus — Credit cards that offer a sign-up bonus or other incentives are more appealing, especially if they don't charge an annual fee.
- Options for different types of consumers — We included cards that are geared to all kinds of users, from products that travel points and cash-back to credit cards that earn rewards for electric vehicle charging.
Gas credit cards — Frequently Asked Questions (FAQ)
What credit score do you need to get a gas credit card?
Most of the gas credit cards on our list require a credit score in the good to excellent range. This means a FICO score of at least 670, or a VantageScore of at least 700.
However, some gas station chains have their own proprietary gas cards that you can use only at gas stations. These cards tend to be easier to get approved for, but keep in mind that you'll have very little flexibility in how you earn and redeem rewards.
If your credit score isn't yet where it needs to be, have a look at our guides on improving your credit score and how using credit cards can help boost your score.
Are gas credit cards worth it?
Opening a credit card specifically for gas is worth it for those who drive a lot, especially now that gas prices are through the roof. Earning rewards for these purchases can make the price increases a little easier to bear.
It's even better if you pick a card that also earns bonus rewards in other categories where you spend a lot of money. For instance, road warriors who spend a lot of overnights away from home might consider a card like the U.S. Bank Altitude® Connect Visa Signature® Card, which earns 4x on gas and travel (including hotels).
Alternately, if your family spends a lot on groceries and dining out as well as gas, the Citi Premier® Card can help you maximize these expenses with its 3x earning on gas stations, restaurants, and supermarkets (as well as air travel and hotels).
What's the best gas credit card with no annual fee?
There are several no-annual-fee credit cards that offer bonus points or cash back on gas purchases. The right one for you depends on what other categories you spend in and the rewards you prefer to earn.
If you're a Costco member, it's hard to beat the earning rate on the Costco Anywhere Visa® Card by Citi. Otherwise, the Bank of America® Customized Cash Rewards Credit Card, Chase Freedom Unlimited®, Citi Custom Cash℠ Card, and U.S. Bank Altitude® Go Visa Signature® Card are all solid options.
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