6 Best Gas Credit Cards

6 Best Gas Credit Cards

Best Gas Credit Card Overall
#1
Blue Cash Preferred Card from American Express
  • Generous credit limit increases (we’re talking thousands of dollars!)
  • No annual fees for active-duty military members
  • Unlimited cash back on gasoline purchases
Best Cash-Back Gas Credit Card for Small Business Owners
#2
U.S. Bank Business Edge Cash Rewards World Elite MasterCard
  • Rewards never expire
  • Annual bonuses on top of regular rewards
  • Accepted around the world
Best Gas Credit Card for Frequent Travelers
#3
Hilton Honors Surpass Card from American Express
  • Easy-to-earn points
  • High credit limits
  • Impressive bonus opportunities
Best Gas Credit Card for Bad Credit
#4
Discover it Secured Credit Card
  • Approves applicants with bad or fair credit
  • Rewards are redeemable via a statement credit or on Amazon.com
  • Friendly, helpful customer service team

After 18 hours of research evaluating 150 products, we picked Blue Cash Preferred Card from American Express as our top choice.

Sometimes gas prices soar up and down faster than the rollercoaster at your favorite amusement park. Gas prices hit record lows during the summer of 2017, but you can expect to see them fluctuate as seasons change and holidays approach.

You can track trends on sites like GasBuddy, but it’s still difficult to predict the exact price you’ll pay at the pump.

Read on as we make the gas as to why you should consider finding the best gas credit card for your specific needs.

So how the heck do you budget for gas?

Well, you have a few different options. You can track trends and make estimated guesses, or you can calculate the average price you pay. Some people bypass both of these methods and rely on a gas credit card instead.

The best gas credit card options let you rack up some awesome cash-back rewards - isn’t it nice to get paid for something you have to buy anyway?

Whether you’re a soccer mom who transports teammates to practice multiple times a week or a marketer who delivers your spiel to clients around the state, we’ve got a gas credit card that’s perfect for you.

Find the card your wallet’s been missing by reading our well-researched list of the best gas credit cards below!

Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.


Editorial staff

6 Best Gas Credit Cards

6 Best Gas Credit Cards

Read Video Infographic Tips

After 18 hours of research evaluating 150 products, we picked Blue Cash Preferred Card from American Express as our top choice.

Sometimes gas prices soar up and down faster than the rollercoaster at your favorite amusement park. Gas prices hit record lows during the summer of 2017, but you can expect to see them fluctuate as seasons change and holidays approach.

You can track trends on sites like GasBuddy, but it’s still difficult to predict the exact price you’ll pay at the pump.

Read on as we make the gas as to why you should consider finding the best gas credit card for your specific needs.

So how the heck do you budget for gas?

Well, you have a few different options. You can track trends and make estimated guesses, or you can calculate the average price you pay. Some people bypass both of these methods and rely on a gas credit card instead.

The best gas credit card options let you rack up some awesome cash-back rewards - isn’t it nice to get paid for something you have to buy anyway?

Whether you’re a soccer mom who transports teammates to practice multiple times a week or a marketer who delivers your spiel to clients around the state, we’ve got a gas credit card that’s perfect for you.

Find the card your wallet’s been missing by reading our well-researched list of the best gas credit cards below!

Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.


Editorial staff

Best Branded Gas Credit Card for Unlimited Cash Back

Best Branded Gas Credit Card for Unlimited Cash Back: ExxonMobil Preferred Smart Card
Apply Now
On Card Issuer’s Secure Website
  • Variable APR
    25.99%
  • Cash Advance APR
    29.99%
  • Rewards Rate
    $0.06 off every gallon
  • Annual Fee
    $0
  • Intro APR
    n/a
  • Bonus Offers
    n/a

Pros

  • Exclusive vacation deals through the ExxonMobil Travel Agency
  • Unlimited cash-back rewards on gas purchases
  • Rewards are automatically credited to your statement

Cons

The customer service allegedly stinks about as much as your favorite hockey player’s socks if your card becomes inactive or you rack up late charges. Also, because this is a branded card, you can only use it at Exxon/Mobil gas stations.

Details

  • $0.06 off every gallon
  • Monthly itemization for each card/person on your account
  • Citi® Identity Theft Solutions
  • Usable only at ExxonMobil stations

Application Process:  Apply online or via the SpeedPay app. We recommend applying through the app because if you do, the company hooks you up with a generous cash-back bonus for the first 2 months (more on that under the “Bonus Offers” section).

Rewards: This card has fewer rewards than general credit cards, but it’s still the best branded gas credit card we’ve found. You get $0.06 back for every gallon of gas you buy at Exxon/Mobil locations, and the rewards are automatically credited to your statement the following month.

Craving a soda or hotdog? You can use the card inside, so feel free to grab some snacks after you fill your tank.

Bonus Offers: Save $0.25 per gallon the first 2 months you’re a cardholder. If you combine your ExxonMobil card with your SpeedPass by applying directly through the SpeedPay app, you can save $0.50 per gallon for the first 2 months.

APR:  This card has a 25.99% APR for regular purchases and a 29.99% APR for cash advances. Both rates are a little on the high side as far as credit cards go, but we’ve heard that you can get approved for this card with a fair or good FICO score. If you have excellent credit, you may do better with a different card that has a lower APR.

Annual Fee: We’ve seen several sites incorrectly report a $29 annual fee. As of August 2017, this ExxonMobil credit card has no annual fee.

Best Cobranded Gas Credit Card for Instant Gas Rewards

Best Cobranded Gas Credit Card for Instant Gas Rewards: BP Visa Credit Card
Apply Now
On Card Issuer’s Secure Website
  • Variable APR
    28.24%
  • Cash Advance APR
    29.99%
  • Rewards Rate
    Earn 25¢ off per gallon for every $100 you spend everywhere Visa® credit cards are accepted for the first 90 days (excluding non-BP gas stations). Earn 25¢ per gallon for every $100 you spend at BP. Earn 15¢ per gallon for every $100 you spend for eli
  • Annual Fee
    $0
  • Intro APR
    n/a
  • Bonus Offers
    n/a

Pros

  • Instant access to rewards at the pump
  • No annual fee
  • Great for travelers

Cons

The interest rate for this BP Visa is the worst on our list of the best gas credit cards.

Details

  • Earn 25¢ off per gallon for every $100 you spend everywhere Visa® credit cards are accepted for the first 90 days (excluding non-BP gas stations).
  • Earn 25¢ per gallon for every $100 you spend at BP.
  • Earn 15¢ per gallon for every $100 you spend for eligible groceries, dining and travel.
  • Earn 5¢ per gallon for every $100 you spend everywhere else Visa® credit cards are accepted (excluding non-BP gas stations).
  • You can choose to redeem your Rewards in the form of a statement credit on your Card Account. Terms Apply.

Application Process:  As with most credit cards, you can apply online. You also have the option to get an application from a BP gas station.

Rewards: Rewards are minimal with this cobranded gas card, but that’s the norm. That’s why most of our list features general credit cards with awesome gas rewards rather than cards specifically designed for gas station use.

You have to spend $100 before rewards kick in. When you spend $100 on gas at participating BP stations, you earn $0.25 off each gallon. Spending $100 on groceries gets you a $0.15 discount per gallon, and the same goes for restaurants and eligible travel expenses. All other qualifying purchases that exceed $100 result in a credit of $0.05 per gallon.

One thing we (and numerous cardholders) like about this BP credit card is the fact that you can redeem rewards instantly rather than waiting for BP to issue a credit on your statement. The statement credit is still an option, but many cardholders prefer to receive their rewards at the pump.

Bonus Offers: Save $0.25 per gallon every time you spend $100 with your BP credit card, whether you’re paying for gas, groceries, utilities, or something else. This offer is only good for the first 90 days you have your card.

APR:  The variable interest rate is a whopping 27.99%, so pay this BP card off in full each month if you can. If you get cash from an ATM, expect to pay a cash advance fee of 5% of your withdrawal or $10, whichever is greater. There’s also a hefty 29.99% APR on cash advances, but that rate’s fairly standard with cards like this.

Annual Fee: There’s no annual fee, possibly because the card makes plenty of money off of customers by charging a high interest rate.

Best Gas Credit Card for Bad Credit

Best Gas Credit Card for Bad Credit: Discover it Secured Credit Card
Apply Now
On Card Issuer’s Secure Website
  • Variable APR
    24.49%
  • Cash Advance APR
    26.49%
  • Rewards Rate
    1.0%
  • Annual Fee
    $0
  • Intro APR
    10.99% on Balance Transfers for 6 months
  • Bonus Offers
    Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.

Pros

  • Approves applicants with bad or fair credit
  • Rewards are redeemable via a statement credit or on Amazon.com
  • Friendly, helpful customer service team

Cons

We can’t think of any major drawbacks - most people who have this Discover card love it. Some folks wish it wasn’t secured, but responsible cardholders have the option to graduate to an unsecured card after 8 months.

Details

  • No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
  • Your Secured Credit Card requires a refundable security deposit up to the amount we can approve of at least $200 which will establish your credit line. You will need to provide your bank information when submitting your security deposit.
  • We will automatically begin reviewing your account starting at 8 months to see if we can transition you to an unsecured line of credit.
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.

Application Process: Apply online 24 hours a day, 7 days a week (even on holidays). If you need help, contact customer service via the chat button or give them a call. There’s even an online option to check the status of an application you’ve started.

Rewards: You earn cash back on every purchase, not just ones made at specific gas stations. You get 2% back when you fuel up at gas stations around the country or dine at participating restaurants, and you earn 1% cash back for other qualifying goods and services.

There’s no wait period or maximum amount to hit for reward redemption - request a statement credit or shop at Amazon.com whenever you’re ready!

Bonus Offers: The secured Discover It features an awesome bonus offer - in fact, we raved about it in our list of the best secured credit cards. The company matches your cash-back rewards during the first year, so you get plenty of bang for your buck.

APR: The standard variable APR is 23.99%, which is surprising since it’s lower than many credit cards geared toward folks with better credit. You only pay a variable APR of 25.99%, which is nice since there are numerous other credit cards that charge 29.99%.

This is a transfer-friendly credit card. During the first 6 months, you only pay a 10.99% APR when you transfer balances from other cards.

Annual Fee: There’s no annual fee, but you do have to pay a security deposit. That’s a given considering this is a secured credit card. You have some control over how much you deposit for your credit line, but it has to be at least $200.

Best Gas Credit Card for Frequent Travelers

Best Gas Credit Card for Frequent Travelers: Hilton Honors Surpass Card from American Express
Apply Now
On Card Issuer’s Secure Website
  • Variable APR
    16.24% - 20.24%
  • Cash Advance APR
    See terms.
  • Rewards Rate
    12 HHonors Bonus Points for every $1 spent with a participating hotel or resort 6 HHonors Bonus Points for every $1 spent spent at US restaurants, supermarkets, and gas stations Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your c
  • Annual Fee
    $75
  • Intro APR
    n/a
  • Bonus Offers
    n/a

Pros

  • Easy-to-earn points
  • High credit limits
  • Impressive bonus opportunities

Cons

Points convert to free hotel rooms, not cash back like other gas credit cards. However, some people view this as a benefit because it encourages them to travel regularly rather than shelling out cash for material goods.

Details

  • Earn 75,000 Hilton Honors™ after spending $3,000 in the first 3 months. Offer ends 05/31/17.
  • 12 HHonors Bonus Points for every $1 spent with a participating hotel or resort
  • 6 HHonors Bonus Points for every $1 spent spent at US restaurants, supermarkets, and gas stations
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card. Terms and limitations apply.
  • As a Hilton Honors(TM) Surpass(R) Card Member you'
  • ll receive Hilton Honors Gold status.
  • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
  • Terms Apply.

Application Process:  Apply online and receive a response in a minute or two. Some applicants have to wait 7 to 10 days for an answer, but that’s only if the company requires additional information to manually approve your app.

Rewards: This card has tons of rewards, and it’s easy to earn them. You earn 6 points for every dollar you spend on gas - WalletHub says that averages out to 3.48% cash back (even though you technically aren’t getting any cash). This is one of the highest rates we’ve found even though this card isn’t officially labeled as a gas credit card.

If you want more points, book a hotel room at a Hilton property for 12 points per $1 spent. Your 5th night is free at Hilton hotels, so CreditCards.com recommends breaking your vacations into 5-day bookings. For example, book a 5-day stay followed by another 5-day stay rather than scheduling one 10-day stay. This gives you two nights free.

You can also take advantage of the impressive sign-on bonuses that we’ll discuss in the next paragraph.

Bonus Offers: Want 75,000 points for a Hilton hotel? Simply spend $3,000 with this card during your first 3 months, and American Express will hook you up with a generous reward.

Also, you get an automatic upgrade to Diamond status if you spend at least $40,000 on your card in one calendar year.

APR:  The variable APR rate ranges from 16.24% to 20.24% depending on your credit. You’ll pay 26.24% for cash advances regardless of your creditworthiness.

Annual Fee: There’s a $75 annual fee, but that’s on the low end for cards of this caliber.

Best Cash-Back Gas Credit Card for Small Business Owners

Best Cash-Back Gas Credit Card for Small Business Owners: U.S. Bank Business Edge Cash Rewards World Elite MasterCard
Apply Now
On Card Issuer’s Secure Website
  • Variable APR
    13.49% - 24.49%
  • Cash Advance APR
    25.49%
  • Rewards Rate
    3% cash back on all cellular, single gas purchases of $200 or less, and office supply store eligible net purchases; 1% cash back on all other eligible net purchases.
  • Annual Fee
    $0
  • Intro APR
    n/a
  • Bonus Offers
    Earn $200 Cash Back after you spend $1,000 in eligible net purchases on a single card in the first 90 days.

Pros

  • Rewards never expire
  • Annual bonuses on top of regular rewards
  • Accepted around the world

Cons

Requires excellent credit, so many small business owners find it tough to qualify.

Details

  • Earn $200 Cash Back after you spend $1,000 in eligible net purchases on a single card in the first 90 days.
  • 3% cash back on all cellular, single gas purchases of $200 or less, and office supply store eligible net purchases; 1% cash back on all other eligible net purchases.
  • Receive a 25% annual bonus based on your prior year’s Cash Rewards, up to $250.
  • Rewards can be redeemed once you reach a $25 threshold, and in additional increments of $25 thereafter.
  • No limit on total rewards and they never expire.

Application Process:  There are 3 convenient ways to apply: online, at a participating U.S. Bank branch, or over the phone.

Rewards: You qualify for plenty of rewards with this gas credit card, and so do your employees. It’s a great card for small businesses that do a lot of driving, like if you regularly send employees to work on roofs or clean houses. In fact, Money Crashers refers to this card as an “on-the-go business owner’s dream.” Can’t say we disagree.

Collect unlimited 3% cash-back rewards on qualifying purchases for gasoline, business supplies, and cellular purchases. Other purchases give you 1% cash back. There’s no expiration date on rewards, and you can redeem them in 3 convenient ways:

  • MasterCard gift cards
  • Direct deposit in an active U.S. Bank account
  • Statement credits

You can’t cash out until you have at least $25 in rewards, but it’s easy to hit that figure quickly.

Bonus Offers: We’re huge fans of the 0% introductory APR for the first 9 billing cycles. Make sure you fill your tank(s) before the last day of the promo - the APR jumps to a minimum of 12.99% after that.

We also dig the card’s annual bonus because it’s nice to see a card that rewards long-time customers. You get 25% of your previous year’s Cash Rewards as a bonus - up to $250.

APR:  With a variable APR as low as 12.99%, this card easily has the best APR on our list. Some cardholders pay as much as 23.99%, but the rate you get depends on your credit history.

Expect to pay more (24.99%) if you take out a cash advance. The cash advance rate is still lower than the regular rate for some credit cards we’ve researched!

Annual Fee: Sound the trumpets: There’s no annual fee for this small business gas card!

Best Gas Credit Card Overall

Best Gas Credit Card Overall: Blue Cash Preferred Card from American Express
Apply Now
On Card Issuer’s Secure Website
  • Variable APR
    14.49% - 25.49%
  • Cash Advance APR
    26.74%
  • Rewards Rate
    1.0%
  • Annual Fee
    $95
  • Intro APR
    0% on Purchases and Balance Transfers for 12 months
  • Bonus Offers
    $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. Terms Apply.

Pros

  • Generous credit limit increases (we’re talking thousands of dollars!)
  • No annual fees for active-duty military members
  • Unlimited cash back on gasoline purchases

Cons

There’s an annual fee. We think it’s reasonable, but some people don’t.

Also, you need decent credit for approval. We’ve seen a handful of people get approved with scores in the 620s, but you generally need a score that’s at least in the high 600s or low 700s.

Details

  • $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • $95 annual fee.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.

Application Process:  Share information about your address, income, and Social Security number online for a decision in as little as one minute. If you don’t score an instant approval, don’t get discouraged - many reviewers report that they were approved after calling customer service.

Rewards: The Blue Cash Preferred Card from American Express is a general credit card, not an official gas credit card, yet it still made our list (and several others, including U.S. News, NerdWallet, and WalletHub) of the best gas credit cards because it has amazing perks. You get 3% back for gas purchases, and there’s no cash-back limit for gas! That’s a perk very few cards offer - even cards that focus specifically on gas benefits.

In addition to raking in the cash-back rewards at the gas station, you also get 6% on qualifying grocery stores (up to $600 every 12 months) and 1% on other purchases.

Bonus Offers: Spend $1,000 on gas, groceries, or pretty much whatever you want within 3 months and get rewarded with a $250 bonus. It’s applied directly to your statement 6 to 8 weeks later, so you don’t have to frantically watch your mailbox for a check.

APR: Few things warm our hearts like a 0% APR, so we’re psyched that there’s no interest for the first 12 months. After that, expect to pay a variable APR that’s between 13.99% and 24.99% - not too shabby if you end up on the lower end of that range. Your credit history affects your rate, so consider cleaning up your report before you apply.  

Annual Fee: We know you probably won’t be excited by this statement, but here we go: This card has an annual fee. However, the card’s benefits make the fee well worth it, so we’re okay with shelling out $95 once a year in exchange for generous cash-back rewards on gas and groceries.

Paying cash for gas can be a pain, especially if it’s raining or you’ve got small children you have to unload from the vehicle. We won’t even talk about the long lines that wrap through the store as people wait to pay for their candy bars and cups of coffee.

A gas credit card conveniently lets you skip the craziness inside and pay at the pump, but do you really need one? We’ve provided tons of essential info about gas credit cards below so you can make an informed choice. Let us know if we missed anything!

General Questions About Gas Credit Cards

What is a gas credit card?

A gas credit card is a piece of plastic imprinted with a 16-digit number that lets you access a predetermined line of credit for qualifyinAwQ#g purchases. Gas credit cards come in two formats: Branded and cobranded (we explain these terms in detail under “What is a branded gas credit card?” and “What is a cobranded gas credit card?”).

Gas credit cards focus primarily on gas-related perks, such as discounted gasoline or cash-back rewards for use at a specific gas station brand. You may also receive discounts on items inside the gas station, like hot dogs and soda.

Is a gas credit card the same as a gas rebate card?

It depends. Technically a gas credit card and a gas rebate card are not the same thing, but people often refer to a credit card for gas as a gas rebate card.

As with a credit card, a gas rebate card is a card that you present to a cashier or slide at the pump. However, a gas rebate card doesn’t have a line of credit. You slide it for a discount and/or use it to collect rewards, but you can’t use it as a substitute for cash.

What is a branded gas credit card?

A branded gas credit card is a card that’s only accepted at a specific gas station or chain of gas stations. For example, you can’t use a branded QuikTrip gas card at Mobil. You also can’t use a branded gas credit card at grocery stores, restaurants, or retailers that aren’t associated with the gas station that issued your card.

What is a cobranded gas credit card?

A cobranded gas credit card features two companies: The credit card company that issued your card, and the gas station brand that has partnered with the credit card company. Well-known credit card providers include Visa, MasterCard, and American Express.

The BP Visa Credit Card is an example of a cobranded gas credit card because it features BP and Visa. You can use this cobranded card - and other cobranded cards - just about anywhere, not just at a specific gas station. You don’t even have to buy gas; you can use a cobranded Visa card at any store that accepts Visa payments.

Can you use a gas credit card anywhere?

If you have a cobranded gas credit card, you can use it anywhere that accepts cards issued by your credit card provider. Review the question above titled “What is a cobranded gas credit card?” if you’re unsure.

You should also review your credit card agreement to see if certain goods and services are prohibited. For example, your card company may request that you avoid purchasing lottery tickets or visiting the casino with your credit card.

What are the best gas credit cards?

We think the Blue Cash Preferred Card from American Express is the best gas credit card overall. Some of you are reading this in confusion, wondering why we chose a general credit card as the best gas credit card. We’ll explain:

Many gas credit cards have low rewards and high interest rates, and they’re only accepted at a handful of gas stations. The Blue Cash Preferred Card from American Express actually offers a higher cash-back rate for gas purchases than any of the official gas credit cards we’ve researched. Crazy, right?

Here are some other gas credit cards we recommend:

  • ExxonMobil Preferred Smart Card
  • BP Visa Credit Card
  • Discover it Secured Credit Card
  • Hilton HHonors Surpass Card from American Express
  • U.S. Bank Business Edge Cash Rewards World Elite MasterCard

You can learn more about all of these cards by scrolling to the top of the page. We’ve published a valuable article packed with info about the pros and cons of each one.

Selecting a Gas Credit Card

How do I pick the right gas credit card?

Review potential credit card agreements, talk to trusted friends and family members, and read detailed information from experts like our Faveable finance writers.

Consider your unique needs and preferences when you apply. If your mom loves QuikTrip but you prefer BP, you probably won’t like the same gas credit card. If you rarely drive, you might do better with a general credit card than a gas credit card. Another option is a cobranded gas credit card that lets you spend your credit line at places other than the gas station.

Your credit score also matters. There are very few gas credit cards you can get if you’re rebuilding your credit. We’ll talk more about this in the next paragraph.

Which gas card can I get with bad credit?

We suggest applying for the Discover it Secured Credit Card if you’ve got bad credit. It’s actually a general credit card, not a gas credit card, but it still scored a spot on our list of the best gas credit cards. That’s because it offers awesome cash-back rewards for gas purchases (2%) plus cash back on other qualifying goods and services.

It’s a secured credit card, which means a self-funded deposit determines your credit limit. If you pay your bill on time for at least 8 months, Discover might bump you to an unsecured credit card.

Can I get more than one gas credit card?

Yes, you certainly can. However, it might not be the best idea.

We don’t have a cookie-cutter response regarding the number of credit cards you should have in general, but we don’t recommend getting more than 1 gas credit card. Gas credit cards often have high interest rates and low cash-back rewards. You generally have to visit a specific chain regularly to make your credit card a worthwhile addition to your wallet, and it’s hard to do that if you have multiple gas credit cards.

What features should I look for in a gas credit card?

When you select a gas credit card, look for features like cash-back rewards, discounted fuel, and special deals on gas station snacks. You should also make sure the APR isn’t too high, as well as find out whether you can afford the monthly payment. You can usually find this information by viewing the terms and service document for the credit card you want.

If you use multiple gas stations, look for a cobranded card rather than a branded card. This gives you the freedom to fuel up wherever you please.

Is it worth it to get a gas credit card if I don’t drive a lot?

Probably not, even if you love the hot dogs and fountain soda at your favorite gas station. Gas station credit cards often offer rewards based on how much gasoline you buy. Some of them also run special promotions that let cardholders buy discounted gas. Neither of these benefits will help you much if you don’t drive very often. If that’s the case, you’ll probably do better with a general cash-back credit card rather than a gas credit card.

Applying for a Gas Credit Card

Where do you get a gas credit card?

Some gas stations conveniently place credit card applications in stands near each gas pump. You can also go inside and request a paper application or apply online for the card you want.

Gas stations don’t issue gas credit cards, so you won’t receive the plastic card immediately. However, you can get a gas rebate card at some gas stations, but it’s not the same as a credit card. We explain the difference under the question titled “Is a gas credit card the same as a gas rebate card?”

What gas stations have gas cards?

Most large gas station chains, including QuikTrip and BP, have gas credit cards. You can also get gas station credit cards from ExxonMobil, Shell, and Marathon.

If you don’t see your favorite gas station listed here, it doesn’t mean they don’t have a card. Check with the gas station clerk next time you fuel up to find out if the company offers credit cards.

How do I get a gas card for my company?

If you’re self-employed, you can apply for a regular gas station credit card and only use it for business-related expenses. This helps simplify your recordkeeping.

Another option is to look for a gas credit card geared toward businesses. We like the U.S. Bank Business Edge Cash Rewards World Elite MasterCard because you can request an unlimited number of employee cards and connect them to your line of credit. As an added bonus, each employee can earn rewards on the card you give them - and the rewards never expire!

Why did I get a message that says I’ll receive a decision in 7 to 10 days?

Ugh. It can be frustrating to receive a message like this, but it doesn’t always mean that the company declined your card application. It just means the credit card provider needs more time to review your application.

When you apply for a credit card, a computer compares your provided information with multiple databases before deciding to approve or deny your application. If the computer can’t find some of the information it needs or has trouble determining whether you’re a responsible applicant, a human being reviews your application. This takes time, especially if a lot of applications require manual review. That’s why some online applications trigger the “We need more time to review your application” response.

When will I get my gas credit card in the mail?

Credit companies aren’t required to mail your card within a specific time frame, but many of them send cards within 7 to 10 business days. We’ve heard complaints from people who have waited 3 to 4 weeks for a card, but that’s not the norm.

The exception is if you applied for a secured credit card and didn’t pay your deposit in full. The company won’t issue your card until you pay the entire deposit, so send it in quickly if you can!

Info About Fees and Rewards

What fees are associated with gas credit cards?

Gas credit cards contain the usual fees associated with credit cards, including:

  • Late payment fees
  • Cash advance fees
  • Over-the-limit fees
  • Foreign transaction fees
  • APR
  • Annual fees

Your credit card might not issue all of these fees, and it might require you to pay fees not listed above. You can find information about credit card fees in your cardholder agreement (that paper brochure that often arrives with a new credit card, we recommend you review it and keep it for your records).

Some companies charge a fee when you pay with a credit card, but your credit card provider does not request or control this fee. This fee is determined by merchants.

Do I have to pay an annual fee for a gas credit card?

Sometimes, but most gas credit cards don’t have an annual fee. Annual fees are usually found on credit cards for bad credit because the card company takes a risk when it issues a card. They’re also associated with credit cards that have generous rewards, such as free hotel rooms and unlimited cash back. This helps ensure the credit card provider makes a decent profit without restricting your rewards.

Can I get free gas with a gas credit card?

Sometimes, if you use a gas credit card that offers rewards in the form of free gas. The BP Visa Credit Card lets you redeem cash-back rewards directly at the pump, making it a great option for anyone who wants free gas.

Even if you don’t get free gas, you might score a discount. Some gas stations offer lower gas prices for cardholders. Sometimes gas credit card companies also run promotions for cardholders.

Why is my APR so high?

That depends. Are you using a gas credit card that offers all customers the same APR? If so, that’s just the amount the company has decided to charge. You can potentially lower this amount by calling and talking to the credit card company, but wait until you’ve established a stable payment history with them before doing so.

If your gas credit card agreement says something like “APR determined by creditworthiness,” it means your credit score probably needs some TLC. If you’ve got bad credit or a recent history of late payments, a credit card company is less likely to offer you a favorable APR. That’s because it’s more risky for them to give you a card than it is for them to extend credit to a guy with a 780 FICO score.

Sometimes a high APR is temporary. If you’ve recently paid your bill late or gone over your credit limit, you might be stuck with a penalty APR for a while.

Which gas credit cards have the best cash-back rewards?

Depends on what you buy and how often you visit a gas station. Our favorite card is the Blue Cash Preferred Card from American Express even though it isn’t technically a gas credit card. It offers 3% cash back on gas purchases, plus 6% on qualifying groceries.

The BP Visa Credit Card rewards you with a $0.25 discount for each gallon of gas you buy after you spend at least $100 at participating gas stations. We love that you can redeem this reward at the pump rather than waiting for it to appear as a statement credit.

How do I earn rewards with my gas credit card?

It’s a cinch to earn rewards with your gas credit card - all you have to do is buy stuff with it! Make sure you use your card for qualifying goods and services, such as fuel, gas station snacks, and other items inside of the gas station.

If you have a general credit card, you can potentially earn cash back for all qualifying purchases, not just gas-related expenses. For example, the Hilton HHonors Surpass Card from American Express gives you 6 points for every $1 you spend on gas, but you also earn points for booking hotel rooms.

Keep an eye out for bonus offers when you first get your card. Some card providers offer limited-time bonuses, such as extra cash back if you spend a certain amount during the first 90 days.

How do I redeem my rewards?

Redemption methods vary by card, but here are some common options we’ve seen:

  • Statement credits
  • Paper checks with your cash-back bonus
  • Trading points for rewards, such as free hotel rooms or gift cards, by visiting a special members-only website

The BP Visa Credit Card lets you redeem rewards directly at the pump, but we haven’t seen many cards that offer this awesome option.

Do my rewards expire?

Sometimes credit card rewards expire in a year or two, but that’s not always the case. We like that rewards never expire with the Blue Cash Preferred Card from American Express.

You can find out when the rewards expire for your credit card by reviewing your cardholder agreement or contacting the company. If you have an online portal where you sign in to pay your bill, you might also find info about rewards there.

Gas Card Use

Can you only buy gas with a gas credit card?

No, unless your credit card specifically states that you can’t buy anything else. Branded cards are only good for gas and items sold inside of the gas station, like fountain soda or potato chips. Cobranded cards can be used for nearly everything, including items sold at grocery stores, restaurants, and retailers.

How do I pay for gas with a credit card?

Pay for gas with a credit card by swiping your card at the pump unless the gas station has a different procedure in place. You’ll usually see a message that says “Please pay inside” if you can’t use your card at the pump. You may also notice that your card doesn’t work after dark; that’s because some gas stations shut down outdoor payments when it’s almost closing time.

If you have a prepaid debit card, you probably can’t pay at the pump. A prepaid debit card is not the same thing as a gas credit card, but some people get the two confused.

Can you get soda and food inside the gas station with a gas credit card?

Yes, you can chow down on gas station goodies funded with your line of credit unless your card agreement specifies otherwise. You can also use your credit card for personal care items, such as toilet paper and razors, or stock up on diapers at the gas station.

Do gas cards help build credit?

A gas credit card can help build credit, but it can also help destroy it. Use your card responsibly if you want to build your credit score. Pay the bill on time each month, and don’t max it out. Try to keep your balance less than 30% of your available credit line. For example, you shouldn’t charge more than $150 if you have a credit card with a $500 limit.

Can I add my spouse to my credit card?

Yes, as long as it’s okay with the credit card provider. Some companies require spouses to also meet the credit requirements established for their gas credit cards, but you might be able to add your loved one as an authorized user if he or she wants to repair a damaged credit score.

Can I add my child to my credit card?

Yes, you can probably add your child to your credit card if they’re over the age of 18. Some credit card companies let you add younger teenagers to your card, but keep in mind you’re responsible for everything they buy with your line of credit.

If you don’t think your teen is ready for a credit card just yet, consider buying them gift cards for a local gas station instead.

How do I pay my bill?

Most credit card companies offer online payment options, but you generally have to create an account first. You can also pay your bill over the phone or mail in a check or money order.

When you pay your bill, you might have to pay with a checking account. Some companies accept payments from debit cards and other credit cards, but many of them don’t.

If you’re worried you’ll forget to pay your bill on time, find out if the credit card company offers an auto-payment program. After you enroll, the company automatically processes your monthly payment, usually with a checking account number that you’ve provided.

Should I pay off my gas credit card every month?

We generally recommend it (especially with the awful interest rates some gas credit cards have), but there are exceptions.

If you’re trying to build credit, you might feel better leaving a small balance on your card and paying it off over a period of 6 to 12 months. Whenever possible, make sure your balance doesn’t exceed 30% of your available credit limit.

Missy Nolan is a single mom who is too sleep-deprived to come up with a clever bio at the moment. She has been a professional writer for more than 10 years and loves staying home with her 3 kids. Well, most of the time. Missy rocks at parenting, baking, cooking, saving cute outfits she'll never wear on Pinterest, and sipping her beloved secret-menu Starbucks Pink Drink while strolling through Target.

She's your go-to girl for advice or feedback on any of the things listed above, as well as tips on healthy living, bargain hunting, marketing, and finances. Connect with Missy here or at MakeItWithMissy.com, a food blog that features healthy recipes and grocery deals.

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