Until you primarily commute through public transit, likelihood is you have not too long ago stopped to gasoline up. Whether or not your whole was a few {dollars} otherwise you ended up paying triple digits to fill your tank, for those who did not use a gasoline bank card, you are lacking out on incomes rewards.
At TPG, we’re all about maximizing spending wherever potential, whether or not which means maximizing the bonus classes on a cash-back card or transferring your rewards factors to leverage a killer switch bonus.
My family consists of my companion, a day by day commuter who drives 76 miles round-trip to and from work each weekday. That mileage provides up, which is why I added him as a certified person on my Costco Wherever Visa® Card by Citi (see charges and charges).
Out of all of the playing cards I presently maintain, my Costco Wherever Visa provides the very best reward fee on this class — 5% money again on gasoline at Costco and 4% money again on different eligible gasoline and electrical automobile charging purchases for the primary $7,000 in mixed spend per 12 months, then 1% thereafter. Due to these charges, utilizing it to replenish is a no brainer.
In truth, my February 2025 Costco reward certificates (for all of my 2024 spending) got here in at $226.73. A big portion of that spending fell into two essential classes: Costco groceries and Costco and non-Costco gasoline fill-ups.
Whether or not you are a highway warrior, an occasional driver or fall someplace within the center, here is why you want a gasoline bank card in your pockets — plus our high picks for the most effective gasoline playing cards.
The most effective gasoline bank cards
*The knowledge for the Wyndham Rewards Earner Enterprise Card, the Wyndham Rewards Earner Plus Card and the U.S. Financial institution Altitude Join Visa Signature Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Evaluating the most effective gasoline bank cards
Listed here are TPG’s high suggestions for the most effective gasoline bank cards.
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| Card | Finest for | Welcome provide | Incomes charges | Annual payment |
|---|---|---|---|---|
| Blue Money Most popular Card from American Specific | Households | Earn $250 within the type of a press release credit score after spending $3,000 on eligible purchases throughout the first six months of account opening. |
Money again is acquired within the type of Reward {Dollars} that may be redeemed as a press release credit score or at amazon.com checkout. |
$0 introductory annual payment for the primary 12 months, then $95 (see charges and charges) |
| Financial institution of America Personalized Money Rewards bank card | Personalized spending | Earn a $200 on-line money rewards bonus after spending $1,000 on purchases throughout the first 90 days of account opening. |
|
$0 |
| Capital One Quicksilver Money Rewards Credit score Card | Straight-forward money again | Earn a $200 money bonus after spending $500 on purchases throughout the first three months of account opening. |
|
$0 |
| Costco Wherever Visa Card by Citi | Costco consumers | None |
|
$0, although a Costco membership is required to get this card |
| Chase Freedom Flex | Rotating classes | Earn a $200 bonus after spending $500 on purchases within the first three months of account opening. |
|
$0 |
| Chase Sapphire Most popular Card | Novices | Earn 60,000 factors after spending $4,000 on purchases within the first three months of account opening. |
|
$95 |
| Chase Freedom Limitless | Versatile money rewards | Earn a $250 bonus after spending $500 on purchases in your first three months of account opening |
|
$0 |
| Wyndham Rewards Earner Enterprise Card | Enterprise homeowners loyal to Wyndham | Earn as much as 75,000 bonus factors: 50,000 factors after spending $4,000 on purchases and paying the annual payment in full inside 90 days of account opening and earn one other 25,000 factors after spending $12,000 on purchases inside one year of account opening |
|
$95 |
| Wyndham Rewards Earner Plus Card | Frequent Wyndham friends | Earn 45,000 bonus factors after spending $1,000 on purchases within the first 90days of account opening. |
|
$75 |
| U.S. Financial institution Altitude Join Visa Signature Card | No-annual-fee journey | Earn 20,000 bonus factors after spending $1,000 on internet purchases within the first 90 days of account opening. |
|
$0 |
Blue Money Most popular Card from American Specific
Welcome provide: Earn $250 money again after spending $3,000 on eligible purchases throughout the first six months of account opening. Money again is acquired within the type of Reward {Dollars} that may be redeemed as a press release credit score or at amazon.com checkout.
Annual payment: $0 intro annual payment for the primary 12 months, then $95 (see charges and charges).
Standout advantages: The Blue Money Most popular is a improbable starter card for these simply entering into bank card rewards. It provides easy incomes and redeeming choices, however it’s additionally nice for the extra seasoned bank card veteran looking for to maximise their spending throughout a number of classes.
I’ve had this card for 11 years, and each single 12 months I’ve held it, it has greater than paid for itself due to the tons of of {dollars} I’ve earned in cash-back rewards. I am not an enormous Amazon shopper, however once I do have a few objects in my cart, I will put my Blue Money Most popular Reward {Dollars} towards these on-line purchases.
Normally, although, I redeem my money again for assertion credit, which offset a few of my spending on this card. In Might 2024, I reserved a personal room at a Manhattan karaoke bar for a birthday celebration for round $300; greater than half that determine was coated by the money again I had earned on my Blue Money Most popular.
This card is good for individuals who prioritize incomes money again above different currencies, though needless to say redemption choices are restricted in comparison with different cash-back playing cards that allow you to pocket rewards by including them to a checking account or opting to obtain a test in your rewards stability.
Although I’ve graduated to different playing cards that earn useful journey factors as a substitute of money again, I nonetheless have the Blue Money Most popular in my pockets for 2 essential causes:
- The as much as $7 month-to-month Disney Bundle assertion credit score (as much as $84 again per calendar 12 months, topic to auto-renewal; enrollment required, and phrases apply)
- The three% cash-back fee on transit (paying for metered parking hurts a tiny bit much less once I’m incomes rewards on these fees)
Earlier than I made the Costco Wherever Visa my major gasoline bank card, the Blue Money Most popular was my go-to due to incomes a good fee of three% money again at U.S. gasoline stations.
This, coupled with the crown jewel reward class on this card — 6% money again at U.S. supermarkets (on as much as $6,000 per 12 months, then 1%) — has earned the Blue Money Most popular a well-deserved spot in my pockets 12 months after 12 months for over a decade.
For extra particulars, see our full evaluate of the Amex Blue Money Most popular.
Apply right here: Blue Money Most popular
Financial institution of America Personalized Money Rewards bank card
Welcome provide: Earn a $200 on-line money rewards bonus after spending $1,000 on purchases throughout the first 90 days of account opening.
Annual payment: $0.
Standout advantages: The Financial institution of America Personalized Money card would not cost an annual payment, so you’ll be able to hold it 12 months after 12 months with out worrying about that extra expense. Every month you get to pick which class you need to earn 3% money again in from the next choices:
- Fuel and EV charging stations
- On-line purchasing (which incorporates cable, streaming, web and cellphone service fees)
- Eating
- Journey
- Drugstores
- Residence enchancment/furnishings
Cardholders additionally earn 2% money again on grocery retailer and wholesale membership purchases (which is nice contemplating you normally have to get a wholesale membership cobranded card to earn rewards at these shops).
Each the two% and three% classes famous above are restricted to a $2,500 most every quarter — when you hit it, you may earn 1% money again on purchases.
If you happen to’re prioritizing incomes money again and searching for flexibility — or in case your spending varies between a few totally different classes month to month — the Personalized Money Rewards is a superb card so as to add to your pockets.
One other bonus? If you have already got a relationship with Financial institution of America, it’s possible you’ll qualify for the Financial institution of America Most popular Rewards® Program, which might internet you bonuses ranging between 25% and 75% relying on which tier you are in.
For instance, for those who’re a Most popular Rewards Program member on the Gold tier (which nets you a 25% bonus), as a substitute of incomes 3% on gasoline purchases, you may earn 3.75% money again on every fill-up. Platinum tier members will get pleasure from a 50% bonus and earn 4.5% money again, whereas Platinum Honors, Diamond and Diamond Honors members will every obtain a 75% bonus for a complete of 5.25% money again.
For extra particulars, see our full evaluate of the Financial institution of America Personalized Money Rewards card.
Apply right here: Financial institution of America Personalized Money Rewards
Capital One Quicksilver Money Rewards Credit score Card
Welcome provide: Earn a $200 money bonus after spending $500 on purchases throughout the first three months of account opening.
Annual payment: $0.
Standout advantages: The Capital One Quicksilver Money Rewards is a stable card for the cash-back fan who often travels however continues to be getting their footing beneath them with regards to bank card rewards.
Although this card would not earn an elevated reward fee within the gasoline class, it does earn limitless 1.5% money again throughout all purchases. If you happen to do not care to trace particular spend classes and desire a (principally) flat-rate earner, the Quicksilver Money Rewards could also be a great match.
This card additionally provides you entry to Capital One Journey, the place you may earn a standout 5% money again on inns and rental automobiles booked with the Quicksilver Money Rewards card. Bear in mind how I stated that is additionally a good journey card? Cardholders get pleasure from no international transaction charges when utilizing their card overseas, which is sweet for a product that does not cost an annual payment.
Plus, there isn’t any minimal redemption quantity, and you’ve got choices with regards to redeeming your money again. You’ll be able to choose to obtain a press release credit score, test or present card or use your reward stability on amazon.com purchases and thru PayPal.
Be taught extra: Capital One Quicksilver Money Rewards evaluate
Costco Wherever Visa Card by Citi
Welcome provide: None.
Annual payment: $0, although a Costco membership is required to get this card.
Standout advantages: Costco followers can simply profit from holding the Costco Wherever Visa. When you have a Costco membership, getting — and protecting — this card prices nothing due to its lack of an annual payment (see charges and charges). This card options stable gasoline incomes charges and even covers EV charging, making it versatile as effectively.
Costco Wherever Visa Card holders can earn 5% cash-back rewards on gasoline at Costco and 4% money again on different eligible gasoline and EV charging purchases (as much as $7,000 in mixed spend per 12 months; then 1%). This implies you are incomes rewards each time you replenish your tank or cost your EV, which is very helpful for households that use each forms of autos.
One other perk of getting the open-loop Costco Wherever Visa is which you can earn stable cash-back charges in different standard classes, like 3% at eating places and on eligible journey purchases. Higher but, the journey fee might be stacked on high of the two% money again Government members get with their premium membership for a mixed 5% money again on journey purchases. This extra 2% fee applies to the primary $50,000 spent annually at Costco, costco.com and Costco Journey however doesn’t apply to the gasoline class. Even so, you are still incomes between 4% and 5% on filling your tank or charging your EV.
Although I like purchasing at Costco and being a Costco Wherever Visa Card holder, and I personally do not thoughts ready a 12 months to get my reward certificates every February, I can see how this calendar could also be off-putting to some. If you happen to favor to earn your bank card rewards on a rolling month-to-month foundation, this card will not be for you.
The excellent news is that there are many different playing cards to select from that earn elevated reward charges on gasoline purchases and provide reward entry extra often.
For extra particulars, see our full evaluate of the Costco Wherever Visa.
Apply right here: Costco Wherever Visa
Chase Freedom Flex
Welcome provide: Earn a $200 bonus after spending $500 on purchases within the first three months of account opening.
Annual payment: $0.
Standout advantages: The Freedom Flex is well among the finest cash-back playing cards in the marketplace. It earns beneficiant charges in key spend classes, together with 5% money again in rotating bonus classes (on as much as $1,500 in mixed purchases every quarter you activate) and at the least 1% money again throughout all different purchases that do not match into any of its different reward classes.
Fuel has been included as a bonus class one quarter per 12 months since TPG started monitoring the bonus classes for this card in 2014. Although these classes fluctuate, likelihood is that you can reap the benefits of incomes 5% on gasoline bills three months out of the 12 months as a Freedom Flex cardholder.
The Freedom Flex makes it so that you simply’re incomes rewards each time you pay, irrespective of the acquisition. This card additionally options some spectacular perks for a no-annual-fee card, comparable to cellphone safety, purchasing protections and journey cancellation and interruption insurance coverage.
Whether or not you are getting gasoline on a cross-country highway journey or simply filling up in your day by day commute, you are incomes — at minimal — 1% money again every time you hit the pump. Plus, whenever you pair this card with one other Chase card that earns Final Rewards factors — just like the Chase Sapphire Most popular Card, the Chase Sapphire Reserve® or the Ink Enterprise Most popular® Credit score Card — you’ll be able to convert your money again to this useful level forex.
For extra particulars, see our full evaluate of the Chase Freedom Flex.
Apply right here: Chase Freedom Flex
Chase Sapphire Most popular Card
Welcome provide: Earn 60,000 factors after spending $4,000 on purchases within the first three months of account opening.
Annual payment: $95.
Standout advantages: This card is a workers favourite at TPG due to stellar journey protections and stable incomes charges in standard classes. The Sapphire Most popular can also be a superb card for individuals who are prepared so as to add one other card to their roster that earns useful transferable factors.
Fuel will not be a selected bonus class on this card, however you’ll earn a flat fee of 1 level per greenback spent whenever you pay with this card on the pump. That won’t sound like a lot, however each level you earn on this card is efficacious since Chase has a number of nice airline and lodge switch companions — and there are sometimes a number of alternatives to reap the benefits of switch bonuses all year long.
The Sapphire Most popular is a chameleon, incomes beneficiant reward charges throughout standard spending classes, although it actually shines as a journey rewards card.
Cardholders earn 5 factors per greenback spent on journey booked through Chase Journey, plus an as much as $50 annual lodge assertion credit score on inns booked via this portal. My companion has this card, and we be sure that to make use of this lodge credit score yearly (which is simple to do for the reason that credit score is utilized robotically with out the necessity for activation).
Cardholders additionally get pleasure from 3 factors per greenback spent on eating, choose streaming providers and on-line groceries and a pair of factors per greenback spent on all different journey purchases.
As a result of this card would not cost international transaction charges, you may benefit from the beforehand talked about incomes charges all through the U.S. and overseas, making the Sapphire Most popular the proper journey companion.
For extra particulars, see our full evaluate of the Chase Sapphire Most popular.
Apply right here: Chase Sapphire Most popular
Chase Freedom Limitless
Welcome provide: Earn a $250 bonus after spending $500 on purchases in your first three months of account opening.
Annual payment: $0.
Standout advantages: Chase Freedom Limitless cardholders will get pleasure from incomes at the least 1.5% money again throughout all purchases outdoors of the bonus classes featured on this card.
If you happen to select this as your major gasoline rewards card, you additionally get pleasure from the next incomes charges:
- 5% money again on journey bought via Chase Journey
- 3% money again on drugstore purchases
- 3% money again on eating at eating places — together with takeout and eligible supply providers
A flat cash-back fee in all nonbonus classes means fueling up will robotically earn you 1.5% again on each greenback you spend, and since this card would not include an annual payment, getting and protecting it’s a internet constructive 12 months after 12 months assuming accountable card utilization.
This card is a superb possibility for card novices and professionals alike as a result of it helps fill in any gaps in your reward-earning technique.
Just like the Freedom Flex, the Freedom Limitless permits you to switch your money rewards into Chase Final Rewards factors for those who maintain one other Chase card just like the Sapphire Most popular, the Sapphire Reserve or the Ink Enterprise Most popular.
For extra particulars, see our full evaluate of the Chase Freedom Limitless.
Apply right here: Chase Freedom Limitless
Wyndham Rewards Earner Enterprise Card
Welcome provide: Earn as much as 75,000 bonus factors: 50,000 factors after spending $4,000 on purchases and paying the annual payment in full inside 90 days of account opening and earn one other 25,000 factors after spending $12,000 on purchases inside one year of account opening.
Annual payment: $95.
Standout advantages: Along with being a stable earner on gasoline purchases — netting a beneficiant 8 factors per greenback spent — this card provides cardholders a reward stability increase of 15,000 bonus factors every anniversary 12 months.
This product makes probably the most sense for small-business homeowners who’re additionally Wyndham loyalists, because it earns 8 factors per greenback spent on Inns by Wyndham. Others are higher off with a common rewards or journey card.
Along with a good welcome bonus of as much as 75,000 factors, cardholders can maximize their enterprise bills by incomes 5 factors per greenback spent on advertising and marketing, promoting and utilities.
The cherries on high are the automated Diamond elite standing that confers perks like suite upgrades and a welcome amenity at check-in, the flexibility to get complimentary worker playing cards for simpler expense monitoring and the absence of international transaction charges — superb for the enterprise traveler.
The knowledge for the Wyndham Rewards Earner Enterprise Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Associated: Find out how to choose a method in your small-business bank cards
Be taught extra: Wyndham Rewards Earner Enterprise Card evaluate
Wyndham Rewards Earner Plus Card
Welcome provide: Earn 45,000 bonus factors after spending $1,000 on purchases within the first 90 days of account opening.
Annual payment: $75.
Standout advantages: The buyer Wyndham Rewards Earner card includes a smaller annual payment ($75) than its enterprise counterpart and nonetheless comes loaded with perks.
If you happen to frequent Wyndham properties, you may get pleasure from incomes 6 factors per greenback spent at Inns by Wyndham and on gasoline purchases, making this card one other sleeper hit with regards to incomes gasoline rewards.
This card additionally comes with computerized Platinum elite standing and seven,500 bonus factors every anniversary 12 months.
The knowledge for the Wyndham Rewards Earner Plus Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Be taught extra: Wyndham Rewards Earner Plus Card evaluate
U.S. Financial institution Altitude Join Visa Signature Card
Welcome provide: Earn 20,000 bonus factors after spending $1,000 on internet purchases within the first 90 days of account opening.
Annual payment: $0.
Standout advantages: For a no-annual-fee card, the Altitude Join Visa provides some fairly stellar perks and incomes charges the place you need them — particularly for those who’re a traveler, commuter or foodie:
- 5 factors per greenback spent on pay as you go inns and automotive leases booked instantly within the Altitude Rewards Middle
- 4 factors per greenback spent at gasoline and EV charging stations (as much as your first $1,000 every quarter; excludes low cost shops, supercenters and wholesale golf equipment)
- 4 factors per greenback spent on journey purchases made instantly with airways, inns and rental automotive firms
- 2 factors per greenback spent on eating, on streaming providers and at grocery shops (excluding low cost shops, supercenters and wholesale golf equipment)
Cardholders can even get pleasure from as much as $100 in assertion credit towards their TSA PreCheck or World Entry software payment (each 4 years) and a complimentary Precedence Move membership that enables 4 no-cost visits to over 1,600 airport lounges everywhere in the world.
In terms of incomes factors, do not low cost the Altitude Join Visa. There are different playing cards that earn a extra useful reward forex than the factors issued by U.S. Financial institution, but when these bonus classes align along with your spending, this card is usually a stable alternative.
The knowledge for the U.S. Financial institution Altitude Join Visa Signature Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Be taught extra: U.S. Financial institution Altitude Join Visa Signature Card evaluate
What to think about when selecting a gasoline card
You’ve got tons of choices for those who’re trying to decide on a gasoline bank card. The excellent news is that we have carried out a whole lot of the heavy lifting for you. If you need a card that earns money again or favor one which earns journey rewards factors, you may discover an possibility for you on this checklist. This is what else it’s best to take into consideration earlier than making use of.
Most popular rewards
If you happen to’re into transferable bank card factors and desire a multipurpose product that earns stable rewards throughout a number of classes, a card just like the Chase Sapphire Most popular is a superb possibility. If you happen to’re a cash-back fanatic, take into account an possibility just like the Amex Blue Money Most popular or the Capital One Quicksilver Money Rewards.
If you happen to’re nonetheless comparatively new to bank card rewards, a cash-back card could provide a extra snug introduction to incomes and redeeming this particular reward forex. If you happen to’re keen to start out incomes useful factors you’ll be able to switch to companion packages, a product just like the Chase Sapphire Most popular could also be extra your pace because it includes a wholesome welcome bonus and stable switch companions like World of Hyatt, Air Canada Aeroplan and Virgin Atlantic Flying Membership. Simply ensure you prioritize a card that is effectively suited to your wants.
Associated: Who’re the Chase Final Rewards switch companions? Every little thing to know
Welcome bonus
A welcome bonus presents a stellar alternative to earn a stash of money again, factors or miles relying on the cardboard you select. In terms of making use of for a gas-specific bank card, think about whether or not the welcome bonus provides you first rate worth along with the primary reward classes featured on the cardboard you are contemplating.
For me, getting the Costco Wherever Visa made sense since I already had a Costco membership and was searching for methods to maximise my reward-earning technique throughout my essential spending classes.
Spending habits
The most effective reward technique is one which covers the classes you spend probably the most cash in; for me, groceries, journey, eating, streaming and gasoline are massive ones.
I’ve arrange my pockets to incorporate playing cards that cowl all these bases. When selecting your gasoline bank card, take into account which card will earn you elevated reward charges every time you gas up and throughout different classes, too.
Annual payment
Annual charges run the gamut from $0 to sky-high. Whether or not you are prepared to pay an annual payment — or need to keep away from them altogether — our picks for greatest gasoline playing cards provide one thing for each finances.
How we selected the most effective gasoline bank cards
To decide on the most effective gasoline bank cards, we chosen choices appropriate for several types of budgets and spenders.
We additionally took care to decide on versatile playing cards that earn rewards in standard spending classes like streaming, groceries and transit, in addition to playing cards from numerous issuers that provide hidden gems like buy safety and even journey delay insurance coverage. For a deeper dive into our choice course of, try our methodology right here.
Redemption choices for gasoline bank cards
A lot of the gasoline playing cards on this checklist earn money again, although the Chase Sapphire Most popular earns useful Final Rewards factors that may be transferred to a number of airline and lodge companions.
The most effective gasoline bank card is the one that’s going to construct up your reward forex stash and work in your particular wants.
Backside line
If you happen to drive a automobile that runs on gasoline or must be charged, you want a gasoline bank card. In any other case, you are leaving cash on the desk — particularly when there are such a lot of versatile choices with regards to playing cards that earn elevated charges on this class.
If you have already got a Costco membership, take into account the Costco Wherever Visa. If you need a no-annual-fee gasoline card, take into account the Financial institution of America Personalized Money Rewards card. If you happen to’re prepared to pay a sub-$100 annual payment and spend rather a lot on groceries along with gasoline, you’ll be able to’t go improper with the Amex Blue Money Most popular. You’ve got choices, and when you determine what kind of rewards you’d prefer to earn and what your hottest spending classes are, you’ll be able to slender down your choice from there.
For charges and charges of the Amex Blue Money Most popular, click on right here.
Associated: The most effective no-foreign-transaction-fee bank cards
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