The 6 Best Gas Rewards Credit Cards in 2025
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The best gas credit cards don’t always come from gas stations. In fact, because fuel costs make up such a small percentage of the average American budget (we spend about $5,000 on fuel each year), many people find they can get better rewards with general cash back credit cards, travel credit cards or even grocery store credit cards.
We’ve put together this list of the best gas rewards credit cards — including a mix of cards that have perks besides cash back on gas — to help you make your decision.
The Best Gas Rewards Credit Cards in 2025
- Blue Cash Preferred® Card from American Express
- Chase Freedom Unlimited®
- Capital One Quicksilver Cash Rewards Credit Card
- Citi Custom Cash™ Card
- Bank of America® Customized Cash Rewards Credit Card
- Wells Fargo Active Cash® Card
What Is a Gas Rewards Credit Card?
Gas rewards credit cards offer cash back or points on gas purchases. A gas rewards credit card is a smart investment for mileage-heavy drivers looking to cut down on fuel costs. Because these cards provide cash back or points on gas purchases, it helps you keep more money in your pocket. Many also offer added benefits, such as rewards for groceries or dining, making them versatile tools for everyday savings.
What to Look For in a Gas Rewards Credit Card
Gas rewards credit cards deliver tangible savings, turning every fill-up into an opportunity to cut costs. Here are the primary benefits:
- Cash Back on Gas: Receive cash back, points, or discounts every time you buy fuel, reducing your effective cost per gallon.
- Rewards Beyond Gas: Many cards offer rewards on groceries, dining, and other everyday expenses, allowing you to accumulate rewards faster.
- Additional Perks: Some cards provide extras like roadside assistance, travel insurance, or discounts at car maintenance shops, enhancing their value.
Comparing Gas Rewards Credit Cards for 2025
1. Blue Cash Preferred® Card from American Express
For those who spend heavily on both gas and groceries, the Blue Cash Preferred® Card from American Express is a great choice. With cash back on gas and on groceries, this card offers robust rewards for essential purchases.
Why It’s a Great Pick:
- Solid Rewards: Earn 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). Earn 6% at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
- Bonus: Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
Things to Keep in Mind:
- Annual Fee: $0 intro annual fee for the first year, then $95. (See rates and fees)
- Intro APR: Enjoy an APR of 0% on purchases and 0% on balance transfers for 12 months. After that, the APR will be Variable 18.24% - 29.24%.
Real-Life Scenario: If you have a family and regularly fill up at the pump while stocking up on groceries, this card’s dual rewards structure helps stretch your budget on everyday essentials.
Explore the Blue Cash Preferred® Card from American Express
2. Chase Freedom Unlimited®
The Chase Freedom Unlimited® card combines cash back rewards with a long intro APR, making it perfect for those who want to balance debt repayment with earning rewards. Whether you’re filling up your gas tank or booking a vacation, this card has your back.
Why It’s a Great Pick:
- Versatile Cash Back: Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
- Long Intro APR: Enjoy a 0% Intro APR on Purchases for 15 months and 0% Intro APR on Balance Transfers for 15 months from account opening, then a Variable APR of 19.49% - 28.24%.
- No Annual Fee: Keep all your rewards without worrying about annual fees.
Things to Keep in Mind:
- Ongoing APR Can Be High: Once the intro period ends, the APR can increase significantly, so pay off your balance before that happens.
- Shorter Intro Period for Large Balances: If you’re managing a large balance, you may need a card with a longer intro APR period. (See Rates & Fees)
Real-Life Scenario: If you’re looking for a card that offers rewards on nearly everything you buy — not just gas — while giving you time to manage debt with its intro APR, the Chase Freedom Unlimited® is a great fit.
Explore the Chase Freedom Unlimited® Card
3. Capital One Quicksilver Cash Rewards Credit Card
With straightforward rewards that get you money back every time you fill up and opportunities to build credit, the Capital One Quicksilver Cash Rewards Credit Card is ideal for individuals with fair or average credit scores.
Why It’s a Great Pick:
- Unlimited Cash Back: 1.5% Cash Back on every purchase, every day. 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).
- Credit Building: Get access to higher credit lines after six months of on-time payments.
- Intro APR: Get an APR that’s 0% intro on purchases for 15 months and 0% intro on balance transfers for 15 months.
Things to Keep in Mind:
- High APR: The (Variable) APR is 19.24% - 29.24%, so carrying a balance can get expensive.
Real-Life Scenario: If you’re working to improve your credit score while earning rewards, this card offers a simple solution with room for growth.
Explore the Capital One Quicksilver Cash Rewards Credit Card
4. Citi Custom Cash™ Card
If your gas expenses consistently rank among your top spending categories, the Citi Custom Cash™ Card could be your ideal match. This card offers 5% cash back on your highest spend category, including gas purchases, without requiring any activation.
Why It’s a Great Pick:
- Generous Cash Back: 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. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.
- Welcome Bonus: Earn $200 in cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- No Annual Fee: Maximize your rewards without added costs. (See rates and fees)
- 0% Intro APR: Get an APR of 0% for 15 months on Balance Transfers and 0% for 15 months on Purchases [18.49% - 28.49% (Variable) after that]
Things to Keep in Mind:
- Rewards Cap: Rewards cap at $500 in the top category per billing cycle.
- Requires Some Planning: You’ll need to ensure gas remains your top category for rewards.
Real-Life Scenario: If you’re a commuter who spends heavily on gas during certain months and has fluctuating expenses, the Citi Custom Cash™ Card’s adaptability ensures you’re maximizing rewards on your biggest spending category.
Explore the Citi Custom Cash™ Card
5. Bank of America® Customized Cash Rewards Credit Card
The Bank of America® Customized Cash Rewards Credit Card allows you to choose your top cash back category, making it a great option for those who spend a lot at the pump. With no annual fee, it’s a versatile card that adapts to your changing spending patterns.
Why It’s a Great Pick:
- Customizable Cash Back: Earn 3% cash back in the category of your choice, such as gas, online shopping, or dining, with automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined purchases). Unlimited 1% thereafter.
- No Annual Fee: Keep all your rewards without paying a yearly fee. (See Rates & Fees)
- Intro APR Offer: Enjoy 0% APR on purchases and balance transfers for 15 billing cycles (18.24% – 28.24% variable after that).
Things to Keep in Mind:
- Quarterly Cap: The 3% and 2% cash back rates are capped at $2,500 in combined choice category, grocery store, and wholesale club purchases per quarter. After that, you’ll earn 1%.
- Balance Transfer Fee: There’s a 3% intro balance transfer fee for transfers made within the first 60 days.
Real-Life Scenario: If you want a card that lets you tailor your rewards to fit your spending, the Bank of America® Customized Cash Rewards Credit Card gives you the flexibility to choose your top earning category.
Explore the Bank of America® Customized Cash Rewards Credit Card
6. Wells Fargo Active Cash® Card
With the Wells Fargo Active Cash® Card, you can Earn unlimited 2% cash rewards on purchases.
Things to Keep in Mind:
- Rewards Rate: It’s not the lowest cash back rate, but it’s also not the highest.
- Intro APR: Get a 0% intro APR for 12 months from account opening and a 0% intro APR for 12 months from account opening on qualifying balance transfers with a 19.24%, 24.24%, or 29.24% Variable APR thereafter.
Real-Life Scenario: If you’re someone who enjoys consistent rewards without having to keep track of spending categories, this card could be for you.
Explore the Wells Fargo Active Cash® Card
How to Choose the Right Gas Rewards Credit Card
Finding the best gas rewards credit card depends on your personal spending habits and priorities. Follow these steps to make a good decision:
- Assess Your Spending Habits
Add up how much you spend on gas each month. Multiply that by 2% or 3% to see how much the best cards could save you. - Check Rewards Rates
Look for cards with the highest cash back or points, specifically for gas purchases. Cards with 3% or more on gas are generally more valuable if you’re a frequent driver. - Evaluate Annual Fees
Consider whether the rewards you’ll earn will offset any annual fee. Some cards may waive the fee in the first year or offer enough rewards in other categories to make the fee worthwhile. - Confirm Gas Station Compatibility
Some cards offer extra rewards only at specific gas station chains. Verify that your preferred stations qualify for maximum cash back. - Consider Additional Perks
Look for benefits beyond gas rewards, such as cash back on groceries, dining, or travel. Other valuable perks include purchase protection, rental car insurance, or extended warranties that could enhance the card’s value. - Compare Intro Offers and APR
If you’re interested in an introductory bonus or a 0% APR period, compare these features among cards. These can provide extra value upfront, especially if you plan to make larger purchases or carry a balance initially.
What to Consider with Gas Rewards Credit Cards
While gas rewards cards offer great savings, there are a few things to watch out for:
- High APRs: Gas rewards credit cards may carry high interest rates. Avoid carrying a balance if possible, as interest charges can quickly erase your cash back or rewards.
- Rewards Caps: Some cards limit the amount of cash back or points you can earn on gas. Check if your card’s caps align with your driving habits.
- Annual Fees: Make sure the benefits you receive justify the card’s annual fee, especially if you’re a light driver.
Frequently Asked Questions (FAQs) About Gas Credit Cards
There are plenty of questions about gas reward credit cards and we’ve rounded up the answers to those most commonly asked.
They can be, especially if you drive frequently. The savings from gas cash back alone can make the card worthwhile.
Most gas stations accept all major credit cards, but some cards offer extra rewards only at specific brands. Be sure to verify this with your chosen card.
Yes, many gas rewards cards allow you to redeem your points or cash back on other purchases, travel, or even statement credits, making them flexible for various needs.
The Penny Hoarder has partnered with CardRatings for our coverage of credit card products. The Penny Hoarder and CardRatings may receive a commission from card issuers.
