What are fleet gas cards?

Fleet gas cards are business credit cards tailored for businesses to offer rebates on fuel and maintenance expenses for company vehicles.

Are gas rewards cards worth it?

If you’re looking to save money at the gas station, a gas rewards card could certainly be a valuable addition to your wallet.

What credit score do I need for a gas card?

It depends on the gas card. If you’re considering a rewards credit card that earns points for more than just fuel purchases, you’ll most likely need good to excellent credit (a 670 FICO score or higher).

Do gas credit cards help build credit?

Yes, if used responsibly. As with any credit card, ensure you pay your balance on time and in full to build a positive credit history and avoid interest charges.

Best Gas Credit Cards for September 2025: Earn Gas Rewards

Compare Bankrate's top gas credit cards

Card Name	Earns	Best for	Bankrate Review Score
Bank of America® Customized Cash Rewards credit card	3 percent cash back on select category purchases of choice; 2 percent cash back at grocery stores and wholesale clubs (up to $2,500 of combined 3 and 2 percent category purchases each quarter, then 1 percent), plus 1 percent on all other purchases. For the first year earn 6 percent cash back in the eligible category of your choice on up to $2,500 in combined purchases per quarter, then unlimited 1 percent thereafter.	Flexibility + Best overall	3.8 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. (Read card review) Apply now on Bank of America's secure site
The Gemini Credit Card®	Get 4% back on gas, EV charging, transit, taxis & rideshares on up to $300 in spend per month. 1% thereafter. Spend cycle refreshes on the 1st of the calendar month. 3% back on dining 2% back on groceries 1% back on all other purchases	Crypto rewards	4.1 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. (Read card review) Apply now on Gemini's secure site See Rates & Fees
Blue Cash Preferred® Card from American Express	6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.	Gas and groceries	4.4 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. (Read card review) Apply now on American Express's secure site See Rates & Fees , Terms Apply
Discover it® Chrome	2 percent cash back at gas stations and restaurants (on up to $1,000 in combined purchases each quarter, then 1 percent) and 1 percent on all other purchases	Low APR	4.6 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. (Read card review) Apply now on Discover's secure site See Rates & Fees
Blue Cash Everyday® Card from American Express	3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.	No annual fees	4.6 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. (Read card review) Apply now on American Express's secure site See Rates & Fees , Terms Apply
Citi Custom Cash® Card	5 percent cash back (on up to $500 each billing cycle, then 1 percent) on your top eligible spending category each billing cycle, including gas stations	Custom rewards
Discover it® Secured Credit Card	Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically Earn unlimited 1% cash back on all other purchases	Building credit	5.0 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. (Read card review) Apply now on Discover's secure site See Rates & Fees
Capital One Quicksilver Secured Cash Rewards Credit Card	Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel Earn unlimited 1.5% cash back on every purchase, every day	Bad credit	4.2 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. (Read card review) Apply now on Capital One's secure site See Rates & Fees

On This Page

What is a gas credit card?

There isn’t actually a type of credit card known as a “gas card." Instead, there’s various rewards credit cards that offer cash back, points or miles for gas purchases.

These cards may feature rotating, tiered or customizable rewards categories that include gas stations and electric vehicle (EV) charging stations. Some popular everyday spending cards, such as some of the best grocery cards, also offer rewards on gas. Additionally, co-branded cards— like from Costco — offer specific cash back rates for gas purchases. And while not exclusive to gas, certain travel cards can also include gas as a bonus category or allow you to choose it as a preferred rewards category, making them a strong choice for fuel-related spending.

How much can you save with a gas credit card?

You can use a credit card for gas to help you save money. You won’t see a lower bill at the pump, but because these cards offer several benefits, you’ll see savings from benefits like:

Welcome bonuses
Rewards and cash back
Introductory offers, like reduced interest rates or boosted rewards rates

Like other rewards cards, they can help you offset travel expenses or your ongoing commuting costs. Some gas credit cards also feature perks like roadside assistance or car rental insurance, which can be beneficial if you’re regularly on the road.

Bankrate Insight

The average American spends $2,449 per year on gasoline, other fuels and motor oil, according to the Bureau of Labor Statistics' most recent Consumer Expenditures Report. Charged on a credit card that earns 3 percent cash back on gas, those expenses would earn you $73.47 back per year.

Great gas credit card features

Gas will rarely be the focus of any credit card, but it remains a valuable category to consider in your overall rewards strategy. Commuting can be costly and the price of gas is an important factor for long-haul and local travel expenses. You can’t determine what you pay for gas, but you can choose payment options that give you the best chance at reducing what you owe. Here are some features to look for when trying to keep gas expenses as low as possible:

Flexibility

If you’re like most people, you may experience seasons when you travel frequently and others when you don't. A great gas card will help you remain flexible with your rewards earnings by including other popular spending categories.

Best example: Blue Cash Everyday® Card from American Express

Rewards

A great gas card will reward you generously for gas purchases. Any rewards rate above 3 percent is worthy of being considered great. If it’s below this, you should consider looking at our options above.

Best example: Citi Custom Cash® Card

Low fees

Based on average annual consumer spending, gas is not a substantial enough category to justify paying an annual fee for a card dedicated to earning gas rewards. You’ll also want to avoid other potential fees, like a high APR and high late payment fees.

Best example: Discover it® Chrome

Gas prices today: What you're paying and how credit cards can ease the burden

There is a lot of economic uncertainty today, so it isn’t unreasonable to want to fill your car’s gas tank as cheaply as possible, but that’s not realistic, sometimes. However, you can take measures to make sure you're recouping part of your expenses.

It’s your responsibility to protect your savings, and the first step is to work with the right information. Is gas expensive today, or are you comparing its cost to what it might have cost 30 years ago? The U.S. Energy Information Administration publishes the cost of petroleum and other liquids along with the average retail price of gas for each month. With data dating back to 1993, we can see how much a gallon of gas costs today compared to its historical value. The average price of a gallon of gas in May 2025 was about $3.28. In May 2024, the price was approximately $3.73.

Credit cards with gas rewards programs are a great safeguard from overpaying for gas because several rewards credit cards include boosted rates for gas purchases and many of them are some of the best rewards cards available.

Ask Bankrate: What is your favorite credit card to use for gas?

Some of the most lucrative rewards cards for gas purchases are often tiered, category-based cards that also cover common daily spending categories like grocery or online retail purchases. We’ve asked our experts which credit card they use to earn rewards on gas and how they maximize their earnings on these purchases.

Bankrate staff insights

I use the Blue Cash Everyday® Card from American Express for gas at least nine months out of the year. It offers a solid gas rewards rate, plus rewards in other key categories like U.S. online retail purchases. If the Chase Freedom Flex® is offering gas stations as a bonus cash back category one quarter (which it often does), I’ll use that card instead.

There are plenty of cards out there that offer higher gas rewards rates, but I’ve found gas isn’t a huge spending category for me these days — especially since I started working remotely. While I can get a higher gas rewards rate with a dedicated gas card, I just don't spend enough in that category to add yet another card to my wallet. I’m fine trading a bit of rewards potential for the ease of sticking with cards I already keep for other categories.

Nouri Zarrugh, Senior Editor, Bankrate

I spend roughly $50 each month on gas, so I never set out to open a credit card solely for gas purchases. But of my three cards, two have boosted rewards for gas purchases and I use one at the pumps because it earns a very generous rewards rate. I know I won’t earn a lot of cash back from my gas purchases, but I’m satisfied knowing I’m doing everything I can to maximize rewards in that area of my spending. Every bit adds up.

Brendan Dyer, Writer, Bankrate

How to earn the most gas rewards

You’ll want to make sure you’re a good candidate for a gas rewards card before applying for one. It might be more helpful to use a card with gas as a secondary rewards category if you don’t spend hundreds of dollars each month on gas or EV charging. No matter what you decide, here are some tips for maximizing rewards for gas and EV charging.

Determine where gas fits into your budget: Gas credit cards are best for people who spend a significant amount at the pump. People who work from home or don’t drive often might not find much value in earning cash back on gas station purchases.
Check what counts as gas: Read the fine print on the card’s gas category to make sure that you can earn on all gas station purchases everywhere — and not just those made at the pump. While you may spend the most when filling the tank, make sure you also get cash back when you run in to grab a snack.
Offset annual fees: While many gas cards don’t charge an annual fee, a few do. Cards with annual fees typically offer better perks and benefits, but no-annual-fee cards are more accessible.

What type of spender are you? Our Credit Card Spender Type Tool gives you personalized

More information on gas credit cards

How to choose a gas credit card

Gas prices are up: Here’s how to save money on gas

7 tips for using gas credit cards wisely

Electric vehicle charging: An EV plugged into a charging station, with the charging cable connected to the vehicle's charging port.

Gas vs. electric vehicles: Which is cheaper to own?

Frequently asked questions about gas credit cards

Fleet gas cards are business credit cards tailored for businesses to offer rebates on fuel and maintenance expenses for company vehicles.
If you’re looking to save money at the gas station, a gas rewards card could certainly be a valuable addition to your wallet.
It depends on the gas card. If you’re considering a rewards credit card that earns points for more than just fuel purchases, you’ll most likely need good to excellent credit (a 670 FICO score or higher).
Yes, if used responsibly. As with any credit card, ensure you pay your balance on time and in full to build a positive credit history and avoid interest charges.

How we choose the best gas credit cards

150+

cards rated

50+

rewards programs valued

1800

data points analyzed

40+

perks evaluated

We select cards for “Best” credit cards pages based primarily on how cards score in our proprietary card rating system, our editors’ subjective assessment of card quality, card approval odds and credit requirements and unique card features.

Cards typically must score a minimum of 3.0 stars to be included on a “Best” list. However, we may include cards with scores below 3.0 if they have low credit requirements or unique features — despite their scores, these cards may still be among the “best” in certain categories. Card ratings are not influenced by advertisers or issuer relationships in any way.

Card selection and ordering may vary based on business considerations, including Bankrate visitor interest, site interactions and card application volume. Affiliate commissions (see how we make money), limited-time offers and a card’s general popularity in the product landscape may also influence which cards we feature on our pages and the order in which they appear. Bankrate’s editorial and business teams also strive to feature a variety of card types from various issuers.

Here’s a quick look at how our rating methodology breaks down for gas cards:

How we rate rewards cards

Our rating methodology for gas cards focuses heavily on rewards value — what kind of return we’d expect based on the average person’s spending and a card’s added bonuses and annual fee.

Here’s how overall scoring breaks down for rewards and cash back cards.

Value 65.00%
Flexibility 15.00%
Perks 15.00%
Customer experience 5.00%

The primary criteria for a rewards-earning card’s rating is its rewards value. This includes the card’s average rewards rate, estimated annual rewards earnings, sign-up bonus value and reward redemption value.

To estimate a card’s average annual rewards earnings, we first calculate its average rewards rate based on how much it earns in different bonus categories and how closely its categories align with the average person’s spending habits. In other words, we assess whether the card earns rewards at a high rate in the most popular spending categories.

We use consumer spending data from the Bureau of Labor Statistics (BLS) to get a reliable third-party measure of people’s spending habits. The most recent BLS data estimates average total spending in 2021 was $66,928 per consumer. From here, we determine a “chargeable” spend (which purchases are likely to be put on a credit card and earn rewards). After subtracting expenditures like housing, vehicle purchases, education and healthcare, we get a total “chargeable” annual spend of around $22,500.

This includes the following spending by category:
- Groceries: $5,200
- Dining out: $3,000
- Entertainment: $2,500
- Gas: $2,100
- Apparel and services: $1,700
Using this data, we are able to assign a weighting to each of a card’s bonus categories. For example, a card’s grocery rewards rate receives a 23 percent weighting based on how much of the average person’s budget is spent on groceries.

We also estimate the redemption value of points or miles from various [issuer, airline and hotel] rewards programs.

This weighting and rewards valuation allows us to estimate a card’s average annual rewards earnings — how many points or miles you’d earn with a given card if your spending was about average and you used the card for all of your purchases — as well as what those points are worth. We also use point valuations to determine a card’s sign-up bonus value

With these calculations complete, we assign each card a score based on how its average rewards earnings, sign-up bonus value, rewards rate and redemption value stack up against other rewards cards.

The better these values, the higher its score will be, making it more worthy of inclusion in our list and increasing its potential ranking.

Here’s a deeper look at the factors considered as part of a rewards card’s “Value” rating:
5
Rating: 5 stars out of 5

Overall Score
- Ongoing rewards value 30%
- Sign-up bonus value 25%
- Annual fee & average APR 20%
- Rewards rate 15%
- Annual bonus value 10%
We also score cards based on how much it costs to keep them in your wallet or carry a balance.

To start, each card is scored based on whether it offers an intro APR and how its ongoing APR compares to the rates available on other rewards cards. However, the latter rating only has a slight influence on the card’s score and whether the card is included in our list, since rewards card users generally try to avoid carrying a balance.

More important to both a card’s score and its inclusion in our list is how its annual fee influences its overall value. We consider a card’s annual fee in two ways — how it ranks relative to the fees you’ll find on other cards in the category and how it impacts a card’s overall rewards value.

Cards with an annual fee will always be at a slight disadvantage in our scoring system since annual fees inherently cut into your rewards value. However, if a card offers terrific value via its ongoing rewards and perks, it can earn a high score and a spot in our list even if it carries a high annual fee. After all, the highest rewards rates and most valuable perks are often found on cards with annual fees.

With this in mind, we rate a card based primarily on how its ongoing rewards value and ongoing perk value (such as annual credits or bonuses) stack up against those of other cards in the category when you subtract annual fees.

That said, we strive to include as many no-annual-fee options in our list as possible since many people would rather not worry about offsetting fees, even if a card carries impressive rewards and perks.
Rewards cards may make it easy to earn a lot of points, miles or cash back, but how easy is it to use those rewards? After all, if it takes a ton of effort to redeem rewards or you can only redeem rewards in a couple of ways, a card may be more trouble than it’s worth.

As such, we rate each card’s flexibility based on the restrictions it imposes on earning and redeeming rewards. We factor this rating into a card’s overall score and consider it when deciding on a card’s inclusion in our list.

Flexibility factors include whether a card only allows you to earn a high rewards rate on only a small amount of spending or requires you to meet a certain earning threshold before you can redeem rewards. We also examine whether your points are worth less when you opt for some redemption options over others and whether a card gives you the flexibility to transfer rewards to travel partners.
We also score each card’s set of features – its perks and benefits — against five tiers of features to provide a rating.

We break down these tiers as follows:
- Tier 1 includes fewer features than even standard credit cards (for example, an ultra-streamlined card that offers basic utility and next to nothing in the way of ancillary benefits).
- Tier 2 includes the benefits you’d expect on standard Visa or Mastercard credit cards, such as free access to your credit score, car rental insurance and $0 liability for fraudulent charges.
- Tier 3 includes “prime card” or better-than-average card features like cellphone insurance, lost luggage insurance, concierge services and purchase protection.
- Tier 4 includes luxury features such as airport lounge access, elite status with an airline or hotel and credits for expedited security screening membership programs.
- Tier 5 includes the sort of exemplary benefits you’ll find on top-tier luxury cards, such as high-value travel credits, cardholder memberships and other unique and valuable perks.
In evaluating the best cards, we tend to favor cards that offer at least Tier 3 benefits, unless they include other unique features that could make up for less-impressive perks.

We use primary sources to support our work. Bankrate’s authors, reporters and editors are subject-matter experts who thoroughly fact-check editorial content to ensure the information you’re reading is accurate, timely and relevant.
1. “Consumer Expenditures - 2023.” Bureau of Labor Statistics. Accessed on June 13, 2025.
2. “Petroleum & Other Liquids.” U.S. Energy Information and Administration. Accessed on June 13, 2025.

Best gas credit cards for September 2025

+ Show Summary

Bank of America® Customized Cash Rewards credit card

The Gemini Credit Card®

Blue Cash Preferred® Card from American Express

Discover it® Chrome

Blue Cash Everyday® Card from American Express

Citi Custom Cash® Card

Discover it® Secured Credit Card

Capital One Quicksilver Secured Cash Rewards Credit Card