Best Credit Cards for Gas
Gas is one of the most predictable monthly expenses — and the right card turns every fill-up into meaningful rewards. Here are the top cards ranked by gas rewards rate.
These rankings are estimates based on published card terms. Actual rewards depend on your spending patterns, how you redeem, and whether your purchases qualify for bonus categories. Rates and terms may change — verify current offers on the issuer’s site.
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#1
IHG One Rewards Premier Card
5% on gas ~2.5% cash value $99/yrEarns 5% on gas with no spending cap. Points valued at ~0.5¢ each Up to 26x at IHG hotels, 5x on travel, gas, and dining.
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#2
Bilt World Elite Mastercard
4% on all purchases $0/yrEarns 4.0% on all purchases including gas. Up to 1x points on rent/mortgage, 4% Bilt Cash on everyday spend.
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#3
Gemini Credit Card
4% on gas $0/yrEarns 4% on gas up to $3,600/year, then 1.0% after. 4% on gas/EV/transit (up to $300/month), 3% dining, 2% groceries.
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#4
Fold
3.5% on all purchases $0/yrEarns 3.5% on all purchases including gas. Up to 3.5% bitcoin back on all purchases.
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#5
Blue Cash Preferred Card from American Express
3% on gas $95/yrEarns 3% on gas with no spending cap. 6% cash back at U.S. supermarkets and streaming, 3% on transit and gas.
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#6
Citi Strata Premier Card
3% on gas via portal $95/yrEarns 3% on gas with no spending cap. 10x points on hotels, car rentals, and attractions booked on cititravel.com; 3x on air travel, restaurants, supermarkets, gas & EV charging.
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#7
Citi Double Cash Card
2% on all purchases $0/yrEarns 2.0% on all purchases including gas. Unlimited 2% cash back on all purchases.
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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.
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