The very best gasoline bank cards so as to add to your pockets

Except you primarily commute by way of public transit, chances are high you’ve got lately stopped to gasoline up. Whether or not your whole was a few {dollars} otherwise you ended up paying triple digits to fill your tank, when you 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 contains my companion, a every 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 an licensed consumer on my Costco Anyplace Visa® Card by Citi (see charges and costs).

Out of all of the playing cards I at present maintain, my Costco Anyplace Visa affords the 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 yr, then 1% thereafter. Due to these charges, utilizing it to replenish is a no brainer.

In actual fact, 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 predominant classes: Costco groceries and Costco and non-Costco gasoline fill-ups.

Whether or not you are a street warrior, an occasional driver or fall someplace within the center, this is why you want a gasoline bank card in your pockets — plus our high picks for one of the best gasoline playing cards.

The very best 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 offered by the cardboard issuer.

Evaluating one of the best gasoline bank cards

Listed here are TPG’s high suggestions for one of the best gasoline bank cards.

Blue Money Most popular Card from American Specific

Welcome provide: Earn $250 money again after spending $3,000 on eligible purchases inside 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 price: $0 intro annual price for the primary yr, then $95 (see charges and costs).

Standout advantages: The Blue Money Most popular is a unbelievable starter card for these simply moving into bank card rewards. It affords easy incomes and redeeming choices, but it surely’s additionally nice for the extra seasoned bank card veteran searching for to maximise their spending throughout a number of classes.

I’ve had this card for 11 years, and each single yr I’ve held it, it has greater than paid for itself due to the lots of of {dollars} I’ve earned in cash-back rewards. I am not an enormous Amazon shopper, however once I do have a few gadgets in my cart, I am going to put my Blue Money Most popular Reward {Dollars} towards these on-line purchases.

Often, 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 lined by the money again I had earned on my Blue Money Most popular.

This card is right for many who prioritize incomes money again above different currencies, though remember the fact that 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 verify in your rewards steadiness.

Although I’ve graduated to different playing cards that earn worthwhile journey factors as a substitute of money again, I nonetheless have the Blue Money Most popular in my pockets for 2 predominant causes:

• The as much as $7 month-to-month Disney Bundle assertion credit score (as much as $84 again per calendar yr, 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 costs)

Earlier than I made the Costco Anyplace Visa my main 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 yr, then 1%) — has earned the Blue Money Most popular a well-deserved spot in my pockets yr after yr for over a decade.

For extra particulars, see our full overview of the Amex Blue Money Most popular.

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Apply right here: Blue Money Most popular

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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 inside the first 90 days of account opening.

Annual price: $0.

Standout advantages: The Financial institution of America Personalized Money card does not cost an annual price, so you possibly can preserve it yr after yr with out worrying about that further 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 procuring (which incorporates cable, streaming, web and cellphone service costs)
• Eating
• Journey
• Drugstores
• Dwelling 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.

When you’re prioritizing incomes money again and in search of flexibility — or in case your spending varies between a few completely 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, you might 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, when you’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 take pleasure in 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 overview of the Financial institution of America Personalized Money Rewards card.

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Apply right here: Financial institution of America Personalized Money Rewards

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Capital One Quicksilver Money Rewards Credit score Card

Welcome provide: Earn a $200 money bonus after spending $500 on purchases inside the first three months of account opening.

Annual price: $0.

Standout advantages: The Capital One Quicksilver Money Rewards is a strong card for the cash-back fan who often travels however remains to be getting their footing beneath them in terms of bank card rewards.

Although this card does not earn an elevated reward fee within the gasoline class, it does earn limitless 1.5% money again throughout all purchases. When you do not care to trace particular spend classes and desire a (largely) flat-rate earner, the Quicksilver Money Rewards could also be an excellent match.

This card additionally provides you entry to Capital One Journey, the place you may earn a standout 5% money again on resorts and rental vehicles booked with the Quicksilver Money Rewards card. Keep in mind how I stated that is additionally a good journey card? Cardholders take pleasure in no overseas transaction charges when utilizing their card overseas, which is sweet for a product that does not cost an annual price.

Plus, there is no minimal redemption quantity, and you’ve got choices in terms of redeeming your money again. You may decide to obtain a press release credit score, verify or present card or use your reward steadiness on amazon.com purchases and thru PayPal.

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Be taught extra: Capital One Quicksilver Money Rewards overview

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Costco Anyplace Visa Card by Citi

Welcome provide: None.

Annual price: $0, although a Costco membership is required to get this card.

Standout advantages: Costco followers can simply profit from holding the Costco Anyplace Visa. When you have a Costco membership, getting — and protecting — this card prices nothing due to its lack of an annual price (see charges and costs). This card options strong gasoline incomes charges and even covers EV charging, making it versatile as nicely.

Costco Anyplace 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 yr; then 1%). This implies you are incomes rewards each time you replenish your tank or cost your EV, which is particularly helpful for households that use each forms of automobiles.

One other perk of getting the open-loop Costco Anyplace Visa is you can earn strong cash-back charges in different well-liked classes, like 3% at eating places and on eligible journey purchases. Higher but, the journey fee may be stacked on high of the two% money again Govt 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 every year 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 really like procuring at Costco and being a Costco Anyplace Visa Card holder, and I personally do not thoughts ready a yr to get my reward certificates every February, I can see how this calendar could also be off-putting to some. When you want to earn your bank card rewards on a rolling month-to-month foundation, this card is probably not 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 overview of the Costco Anyplace Visa.

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Apply right here: Costco Anyplace Visa

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Chase Freedom Flex

Welcome provide: Earn a $200 bonus after spending $500 on purchases within the first three months of account opening.

Annual price: $0.

Standout advantages: The Freedom Flex is well among the best 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 no less than 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 yr since TPG started monitoring the bonus classes for this card in 2014. Although these classes fluctuate, chances are high that you’ll benefit from incomes 5% on gasoline bills three months out of the yr as a Freedom Flex cardholder.

The Freedom Flex makes it so that you simply’re incomes rewards each time you pay, regardless of the acquisition. This card additionally options some spectacular perks for a no-annual-fee card, similar to cellphone safety, procuring protections and journey cancellation and interruption insurance coverage.

Whether or not you are getting gasoline on a cross-country street journey or simply filling up in your every 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 possibly can convert your money again to this worthwhile level forex.

For extra particulars, see our full overview of the Chase Freedom Flex.

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Apply right here: Chase Freedom Flex

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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 price: $95.

Standout advantages: This card is a employees favourite at TPG due to stellar journey protections and strong incomes charges in well-liked classes. The Sapphire Most popular can also be a wonderful card for many who are prepared so as to add one other card to their roster that earns worthwhile transferable factors.

Fuel shouldn’t 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 plenty of nice airline and lodge switch companions — and there are sometimes a number of alternatives to benefit from switch bonuses all year long.

The Sapphire Most popular is a chameleon, incomes beneficiant reward charges throughout well-liked spending classes, although it actually shines as a journey rewards card.

Cardholders earn 5 factors per greenback spent on journey booked by way of Chase Journey, plus an as much as $50 annual lodge assertion credit score on resorts booked by this portal. My companion has this card, and we be certain to make use of this lodge credit score yearly (which is simple to do because the credit score is utilized routinely with out the necessity for activation).

Cardholders additionally take pleasure in 3 factors per greenback spent on eating, choose streaming companies and on-line groceries and a pair of factors per greenback spent on all different journey purchases.

As a result of this card does not cost overseas 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 overview of the Chase Sapphire Most popular.

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Apply right here: Chase Sapphire Most popular

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Chase Freedom Limitless

Welcome provide: Earn a $250 bonus after spending $500 on purchases in your first three months of account opening.

Annual price: $0.

Standout advantages: Chase Freedom Limitless cardholders will take pleasure in incomes no less than 1.5% money again throughout all purchases outdoors of the bonus classes featured on this card.

When you select this as your main gasoline rewards card, you additionally take pleasure in the next incomes charges:

• 5% money again on journey bought by Chase Journey
• 3% money again on drugstore purchases
• 3% money again on eating at eating places — together with takeout and eligible supply companies

A flat cash-back fee in all nonbonus classes means fueling up will routinely earn you 1.5% again on each greenback you spend, and since this card does not include an annual price, getting and protecting it’s a internet optimistic yr after yr assuming accountable card utilization.

This card is a superb possibility for card novices and execs 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 when you 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 overview of the Chase Freedom Limitless.

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Apply right here: Chase Freedom Limitless

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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 price in full inside 90 days of account opening and earn one other 25,000 factors after spending $12,000 on purchases inside 12 months of account opening.

Annual price: $95.

Standout advantages: Along with being a strong earner on gasoline purchases — netting a beneficiant 8 factors per greenback spent — this card affords cardholders a reward steadiness enhance of 15,000 bonus factors every anniversary yr.

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 Motels by Wyndham. Others are higher off with a basic 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, 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 power to get complimentary worker playing cards for simpler expense monitoring and the absence of overseas transaction charges — splendid 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 offered by the cardboard issuer.

Associated: How you can decide a technique in your small-business bank cards

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Be taught extra: Wyndham Rewards Earner Enterprise Card overview

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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 price: $75.

Standout advantages: The patron Wyndham Rewards Earner card contains a smaller annual price ($75) than its enterprise counterpart and nonetheless comes loaded with perks.

When you frequent Wyndham properties, you may take pleasure in incomes 6 factors per greenback spent at Motels by Wyndham and on gasoline purchases, making this card one other sleeper hit in terms of incomes gasoline rewards.

This card additionally comes with computerized Platinum elite standing and seven,500 bonus factors every anniversary yr.

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 offered by the cardboard issuer.

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Be taught extra: Wyndham Rewards Earner Plus Card overview

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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 price: $0.

Standout advantages: For a no-annual-fee card, the Altitude Join Visa affords some fairly stellar perks and incomes charges the place you need them — particularly when you’re a traveler, commuter or foodie:

• 5 factors per greenback spent on pay as you go resorts and automobile leases booked immediately within the Altitude Rewards Heart
• 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 immediately with airways, resorts and rental automobile corporations
• 2 factors per greenback spent on eating, on streaming companies and at grocery shops (excluding low cost shops, supercenters and wholesale golf equipment)

Cardholders can even take pleasure in as much as $100 in assertion credit towards their TSA PreCheck or World Entry utility price (each 4 years) and a complimentary Precedence Cross membership that enables 4 no-cost visits to over 1,600 airport lounges all around the world.

In the case of incomes factors, do not low cost the Altitude Join Visa. There are different playing cards that earn a extra worthwhile reward forex than the factors issued by U.S. Financial institution, but when these bonus classes align together with your spending, this card generally is a strong 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 offered by the cardboard issuer.

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Be taught extra: U.S. Financial institution Altitude Join Visa Signature Card overview

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What to contemplate when selecting a gasoline card

You might have tons of choices when you’re wanting to decide on a gasoline bank card. The excellent news is that we have completed a variety of the heavy lifting for you. If you’d like a card that earns money again or want one which earns journey rewards factors, you may discover an possibility for you on this checklist. Here is what else it is best to take into consideration earlier than making use of.

Most popular rewards

When you’re into transferable bank card factors and desire a multipurpose product that earns strong rewards throughout a number of classes, a card just like the Chase Sapphire Most popular is a superb possibility. When you’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.

When you’re nonetheless comparatively new to bank card rewards, a cash-back card might provide a extra comfy introduction to incomes and redeeming this particular reward forex. When you’re keen to begin incomes worthwhile factors you possibly can switch to companion applications, a product just like the Chase Sapphire Most popular could also be extra your pace because it contains a wholesome welcome bonus and strong switch companions like World of Hyatt, Air Canada Aeroplan and Virgin Atlantic Flying Membership. Simply be sure you prioritize a card that is nicely suited to your wants.

Associated: Who’re the Chase Final Rewards switch companions? Every 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 the case of making use of for a gas-specific bank card, think about whether or not the welcome bonus affords you first rate worth along with the primary reward classes featured on the cardboard you are contemplating.

For me, getting the Costco Anyplace Visa made sense since I already had a Costco membership and was in search of methods to maximise my reward-earning technique throughout my predominant spending classes.

Spending habits

The very best 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 gasoline up and throughout different classes, too.

Annual price

Annual charges run the gamut from $0 to sky-high. Whether or not you are keen to pay an annual price — or need to keep away from them altogether — our picks for finest gasoline playing cards provide one thing for each funds.

How we selected one of the best gasoline bank cards

To decide on one of the best 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 well-liked spending classes like streaming, groceries and transit, in addition to playing cards from numerous issuers that supply 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

Many of the gasoline playing cards on this checklist earn money again, although the Chase Sapphire Most popular earns worthwhile Final Rewards factors that may be transferred to a number of airline and lodge companions.

The very best gasoline bank card is the one that’s going to construct up your reward forex stash and work in your particular wants.

Backside line

When you 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 in terms of playing cards that earn elevated charges on this class.

If you have already got a Costco membership, take into account the Costco Anyplace Visa. If you’d like a no-annual-fee gasoline card, take into account the Financial institution of America Personalized Money Rewards card. When you’re keen to pay a sub-$100 annual price and spend loads on groceries along with gasoline, you possibly can’t go fallacious with the Amex Blue Money Most popular. You might have choices, and when you resolve what kind of rewards you’d prefer to earn and what your hottest spending classes are, you possibly can slim down your choice from there.

For charges and costs of the Amex Blue Money Most popular, click on right here.

Associated: The very best no-foreign-transaction-fee bank cards