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Best Gas Rewards Credit Cards of 2017

Jennifer Blocker
Updated on: 09/13/2017

Some of the best credit cards for earning rewards for gas are not branded by gas stations. Many credit cards target gas as a high reward earner because they know it is something that many people spend a lot on.

Most use their card at the pump not only to earn gas rewards, but also for the convenience. About two-thirds of Americans use plastic to pay for their gas. Credit card issuers charge merchants swipe fees, so some gas stations may charge slightly less per gallon if you pay with cash. Swipe fees are a percentage of the purchase that the gas station pays on their end.

Although nowadays many gas stations will charge the same price whether you pay with cash or credit, I am pretty sure that many who use cash still believe that it is cheaper. With some easy math, we can see that it’s worth paying a couple more cents per gallon if you are getting at least 3 percent back in rewards.

Top Rated Credit Cards for Gas Rewards

Most of us have to buy gas, but it can be ongoing battle to keep your fuel budget in check given price fluctuations that can be dictated by the economy, location, season, supply and many other factors. This is why learning how to maximize your rewards will help you tame the gas beast.

Using a credit card can also help you track your gas expenses and see how your spending fluctuates throughout the year, which can help with future budgeting. This can even be independent of changing gas prices. You may, for instance, spend double on gas in the summer compared to the winter. These sorts of spending patterns will probably hold true regardless of gas prices.

Having credit cards that earn good gas rewards that are not branded by specific gas stations allows for more flexibility in terms of where you can buy gas. That can help you get the best gas prices in town while still earning rewards.

Discover it® Miles Card
How to Apply

To apply for this offer please contact
Discover Bank

Bonuses & Rewards
Annual Fee
Rewards Program
Rating
Bonuses & Rewards
  • 1.5Miles on Airfare Purchases
  • 1.5Miles on Hotels
  • 1.5Miles on Gas
  • 1.5Miles on All Other Purchases
Annual Fee
$0
Discover it® Miles Rewards
Rating
95
  • Unlimited 1.5X rewards on every purchase offer

    • Miles earned are matched at the end of the first year of cardmembership
    • We will reimburse up to $30 of your in-flight Wi-Fi purchases each year with automatic credits to your statement
  • No Foreign Transaction Fee

Travel Benefits

$30 In-Flight Wi-Fi Access

You will be reimbursed for up to $30 in purchases of wireless internet access on an aircraft per anniversary year. The statement credit will be issued for the purchase amount in U.S. dollars within seven business days.

No Foreign Transaction Fees

The Discover miles card does not charge foreign transaction fees so you can rest easy when you are abroad.

Why should you get this card?

  • Great Earning Potential: You always earn 1.5 miles per dollar spent, which equates to 1.5 percent cash back. Don’t settle for 1 percent! The Discover it Miles card is better.
  • Miles Can be Redeemed for Anything: You don’t have to wait until you have travel coming up to use your miles. Even though the Discover it Miles card earns Miles, it is a cash back card.
  • Miles Doubled for the First Year: At the end of your first year as a card member, Discover will match all of the miles you’ve earned!
  • $30 in Annual Wi-Fi Credits: Next time you have a long flight you can purchase Wi-Fi and have Discover cover the cost up to $30 per year.

Our Expert's Conclusion

The Discover it Miles card is wonderful for two types of people. The first, and most obvious, is for someone looking for a single credit card that’s easy to use and that can do it all. The Discover it Miles card is a great option because it earns 1.5 miles per dollar spent on all purchases and redemptions areone cent per mile toward any purchase. Plus thereare a couple of other nice benefits, like $30 in annual Wi-Fi credits and no foreign transaction fees. As a no-fee card, all of that is essentially free.

The second type of person that the Discover it Miles card is a great option for is someone who is looking to truly maximize rewards. The Discover it is basically a no-brainer for the first year because all miles are doubled , meaning that it effectively earns 3 miles per dollar spent (1.5 when you purchase and 1.5 at the end of the year). After the first year it deserves a spot in the wallet of someone who wants to maximize rewards for purchases not included in the bonus earning categories of their other rewards credit cards.

  • Get unlimited 1.5x Miles on every dollar you spend on purchases.
  • No annual fee.
  • We'll match all the Miles you've earned at the end of your first year (new cardmembers only). For example, 30,000 Miles turns to 60,000 Miles.
  • No blackout dates. Fly any airline, any time.
  • We will reimburse up to $30 of your in-flight Wi-Fi purchases each year with automatic credits to your statement.
  • Freeze ItSM on/off switch for your account.
  • Keep tabs on your FICO® Score.
  • You can always count on 100% US-based customer service, anytime. We will not waste your time selling you other products when you call us.
  • Your Miles never expire.
Barclaycard CashForward™ World Mastercard®
How to Apply

To apply for this offer please contact
Barclaycard

Bonuses & Rewards
Annual Fee
Rewards Program
Rating
Bonuses & Rewards
  • %1.5% on Travel, Dining and Car Rental
  • %1.5% on Gas
  • %1.5% on Hotels
  • %1.5% on All Other Purchases
Annual Fee
$0
Barclaycard CashForward™ Rewards
Rating
90
  • $200 cash rewards bonus after you spend $1,000 in the first 90 days
    • 5% cash rewards redemption bonus to use toward your next redemption
  • 3% of each transaction in U.S. dollars

Travel Benefits

Foreign Transaction Fee:

3% of each transaction in U.S. dollars.

Why should you get this card?

  • Great Earning Potential: Every purchase you make generates a 1.5% return at any merchant or service provider. Not that many no-fee cards can beat that earning on all transactions.
  • Sign-Up Bonus: Spending just $1,000 on this card in the first 3 days of account opening will earn you a $0bonus, which is excellent for a no-fee card. Most other cards with this earning potential offer a smaller bonus or no bonus at all.
  • No Annual Fee: Holding a card long term increases the average age of your accounts, and not paying for a card makes it easy to keep. Not to mention, earning cashback rewards doesn’t cost a dime.
  • Double Points: Redemptions start at $50 and can be applied toward a statement credit, gift cards or a deposit into a checking or savings bank account.

Our Expert's Conclusion

The Barclaycard CashForward World MasterCard is a solid option for someone who’s not too invested in travel rewards and is looking for a no-fuss cashback credit card. You’ll earn $200 just for spending $1,000 in the first 90 days and continue to earn 1.5 points on all purchases, no matter the purchase category or time of year.

This is also a good option for those who cannot qualify for a Chase card because they’ve opened five or more credit cards in the last 24 months. If you fall into that camp, the competitive Chase Freedom Unlimited card is out of reach.

  • Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening.
  • Earn unlimited 1.5% cash rewards on every purchase.
  • Every time you redeem get a 5% cash rewards redemption bonus to use toward your next redemption.
  • Redeem your cash rewards for a deposit into a U.S. checking or savings account, a statement credit or gift cards.
  • Cash rewards do not expire.
  • Free online FICO® Credit Score.
  • Chip card technology.
  • Mastercard travel assistance services.
Citi ThankYou® Premier Card
How to Apply

To apply for this offer please contact
Citibank

Bonuses & Rewards
Annual Fee
Rewards Program
Rating
Bonuses & Rewards
  • 3xPoints on Travel, Gas, Airfare, Hotels, Cruises, Car rental and Railways
  • 2xPoints on Dining and Entertainment
  • 1xPoints on Groceries
  • 1xPoints on All Other Purchases
Annual Fee
$0 first year, then $95
ThankYou®
Rating
93
  • 30,000 points after you spend $3,000 in the first 3 months
    • 25% more points when redeemed through the ThankYou® Travel Center
  • No Foreign Transaction Fee

Travel Benefits

No Foreign Transaction Fees:

Never pay an extra fee to use this card outside the U.S.

Concierge Service:

Citi Concierge provides help with travel, shopping and dining.

Why should you get this card?

  • Sign-Up Bonus: Earn 0 Citi ThankYou points worth at least $375 in travel, all without paying an annual fee for the first year.
  • Great Earning Potental: Generous double and triple point-earning categories, including all travel and gas purchases.
  • Discount on ThankYou Travel Purchases: Get a 25 percent rebate when redeeming for travel through the ThankYou Rewards travel portal.
  • Flexible Redemption Options:You’ll always find a use for your points with 12 airline transfer partners.

Our Expert's Conclusion

You can get excellent value out of ThankYou points, particularly if you transfer them to airlines and redeem for expensive premium cabin tickets. If you are a traveler that often books the cheapest economy class ticket, then there can also be strong value in redeeming points through the ThankYou program’s travel portal thanks to the 25 percent discount offered by this card.

If you are interested in domestic award travel or simple award redemptions, this card may prove to be too complex. Instead, consider cards with more domestic transfer partners. You may not get quite the same value for your points, but there will be more availability and easier redemptions.

  • Earn 30,000 bonus points after making $3,000 in purchases within the first 3 months of account opening.
  • 3 ThankYou Points per $1 spent on travel including gas, airfare, hotels, cruises, car rental agencies, travel agencies, railways, public transportation, tolls, taxis, parking and much more.
  • 2 ThankYou Points per $1 spent on dining out and entertainment.
  • 1 ThankYou Points on other purchases.
  • ThankYou® Points are worth 25% more when redeemed for airfare through the ThankYou® Travel Center, as compared to gift cards redeemed from the ThankYou® Rewards collection.
  • No foreign transaction fees on purchases.
  • Annual Fee $95(Fee waived for the first 12 months).
  • No expiration and no limit on the number of points you can earn.
  • Transfer points to a variety of travel loyalty programs from airlines to hotels.
Citi® Double Cash Card
How to Apply

To apply for this offer please contact
Citibank

Bonuses & Rewards
Annual Fee
Rewards Program
Rating
Bonuses & Rewards
  • %2% on Travel
  • %2% on Dining
  • %2% on Gas
  • %2% on All Other Purchases
Annual Fee
$0
Citi® Double Cash Reward Program
Rating
94
  • 3% of each purchase transaction in U.S. dollars

Travel Benefits

Concierge service:

Citi Concierge helps you save valuable time with a staff of specially-trained experts who are ready to assist you with your travel, shopping, dining, entertainment and everyday needs.

Foreign Transaction Fee:

3% of each purchase transaction in U.S. dollars.

Why should you get this card?

  • No Annual Fee: You’ll never have to pay anything for this card. That means all of the rewards you earn are pure bonus!
  • 2% Cash Back on Everything: You don’t need to keep track of specific categories that earn more or less cash back; everything earns 2%!
  • No Caps on Your Earning: Some credit cards that offer higher cash back have a cap on how much you can earn, but not with the Citi Double Cash.
  • Late Fee Pass: If you accidentally miss a payment, Citi has you covered and won’t charge you a late fee–but only once.

Our Expert's Conclusion

The Citi Double Cash mostly makes sense under two circumstances. The first is for someone who is seeking simplicity. Since the Double Cash card doesn’t have rotating or any other type of bonus categories to worry about, all you have to do is swipe, pay off your card and reap the benefits!

The second type of person that the Double Cash makes sense for is someone who has a few other rewards cards that cover popular purchase categories, like groceries, gas and travel, but they’re looking for a card for other purchases that otherwise would not earn a bonus. The Double Cash is a great option for that!

  • Earn Cash Back TWICE with 1% on purchases and 1% as you pay for those purchases in full or over time.
  • No caps and no Category restrictions.
  • Credit card late fee pass.
  • Citi® Private Pass®.
  • Citi Price Rewind.
  • 24 Hour fraud protection.
  • The Lost Wallet® Service.
  • Citi® Identity Theft Solutions.
  • EMV Chip Technology.
  • Trip Cancellation & Interruption Protection.
  • Worldwide Travel Accident Insurance.
  • Worldwide Car Rental Insurance.
Quicksilver® Cash Rewards Credit Card
How to Apply

To apply for this offer please contact
Capital One®

Bonuses & Rewards
Annual Fee
Rewards Program
Rating
Bonuses & Rewards
  • %1.5% on Travel, Dining and Car Rental
  • %1.5% on Gas
  • %1.5% on Hotels
  • %1.5% on All Other Purchases
Annual Fee
$0
Capital One® Cash Back Rewards
Rating
93
  • $100 bonus once you spend $500 on purchases within the first 3 months
  • No Foreign Transaction Fee

Travel Benefits

Travel Upgrades and Savings:

With your access to the Luxury Hotels & Resorts program, you can enjoy complimentary room upgrades, early check in and late checkout, subject to availability.

Travel Protection:

Get reimbursed up to $1,500 per trip for non-refundable travel costs if your trip is canceled or ends early.

Wi-Fi:

Only A-List Preferred status members get inflight Wi-Fi at no charge.

Why should you get this card?

  • Great Earning Potential: For every purchase you make you’ll earn 1.5% cash back. It doesn’t get any easier than that!
  • Hassle-Free Redemptions: You can redeem your cashback at any time with no minimums! You’ll either get a statement credit or a check in the mail—whatever works for you.
  • Great Sign-Up Bonus: This card comes with a sign-up bonus of $0 after spending only $500 within the first 3 months. After a few cell phone payments and trips to the grocery store, you’ll have a cool $100 very quickly!
  • No Annual Fee: No matter how you use your card, you won’t pay an annual fee. You don’t have to worry about paying a hefty annual fee and all the rewards are all yours.

Our Expert's Conclusion

Capital One’s Quicksilver card is a great card for earning cash back. If you want to simplify your wallet and you value cash more than miles and points, this is the card for you. Since you can earn 1.5 percent back on every single purchase you make and never pay an annual fee, you can earn some serious cash on everyday purchases, big ticket items, all types of travel or whatever else you choose.

Again, since this card has no annual fee, there’s little downside to the Quicksilver credit card. Yet, it still comes with the elevated MasterCard World Elite protections. As far as travel cards go, this is not a premium card that helps earn status, free checked bags or lounge access, but if you’re an occasional traveler or prefer to fly economy, this card is still a good bet. The cashback you earn can be used toward travel or any other purchase you make. Flexibility makes this a great card.

  • Earn a one-time bonus of $100 once you spend $500 on purchases within the first 3 months.
  • Earn unlimited 1.5% cash back on every purchase.
  • Rewards don't expire, and you can redeem your cash back for any amount, anytime.
  • No foreign transaction fees.
  • Fraud coverage.
  • Security Alerts.
  • Extended warranty.
  • Complimentary concierge service.
  • Identity Theft resolution services.
  • Travel upgrades and savings.
  • Travel protection.
  • Price protection.
Premier Dining Rewards From Capital One
How to Apply

To apply for this offer please contact
Capital One®

Bonuses & Rewards
Annual Fee
Rewards Program
Rating
Bonuses & Rewards
  • %3% on Dining
  • %2% on Groceries
  • %1% on Gas
  • %1% on All Other Purchases
Annual Fee
$0
Capital One® Cash Back Rewards
Rating
97
  • $100 bonus after you spend $500 on purchases within the first 3 months
  • No Foreign Transaction Fee
  • +Rewards don't expire

Travel Benefits

No Foreign Transaction Fee:

You won’t be hit with any additional fees for using your Discover card while traveling internationally.

Why should you get this card?

  • Great Earning Potential: You’ll earn 0 % back at restaurants, 0 % back at grocery stores and 0 % back for all other purchases.
  • No Foreign Transaction Fees: Don’t worry about extra costs adding up when you’re traveling abroad because the Premier Dining Rewards card won’t charge you extra to use your card.
  • Solid Sign-Up Bonus: Earn $0 after spending at least $500 during your first 3 months as a card member.
  • No Minimum Redemption:Most cashback credit cards require a minimum redemption, but not this one! Redeem as much as you want, whenever you are ready.

Our Expert's Conclusion

The Premier Dining Rewards card might be a good option for some people, especially those who eat out often. The ability to earn three percent cash back at restaurants with a no annual fee card is pretty solid. And the fact that it also comes with a decent sign-up bonus makes the deal even sweeter! The card also offers two percent back at grocery stores and one percent back on all other purchases.

The benefit that really puts this cashback card ahead of others is the fact that there is no minimum for your redemptions and you don’t need to redeem for specific purchases. Additionally, no foreign transaction fees are charged on purchases made abroad, which makes this a good card for your wallet while traveling.

  • Earn a one-time bonus of $100 once you spend $500 on purchases within the first 3 months.
  • 3% cash back on purchases made at dining establishments.
  • 2% cash back at grocery stores.
  • 1% cash back on all other purchases.
  • Rewards don't expire, and you can redeem your cash back for any amount, anytime.
  • No foreign transaction fees.
  • Fraud coverage.
  • Security Alerts.
  • Extended warranty.
  • Complimentary concierge service.
  • Identity Theft resolution services.
  • Travel upgrades and savings.
  • Travel protection.
  • Price protection.

Compare Gas Rewards Credit Cards

Compare all credit cards by RE® Value, which is an estimate of how much you will earn during first year of credit card use minus annual fees.

Credit Card
Bonuses & Rewards
First Year Rewards
FEES
RE® value
Discover it® Miles Card

Discover it® Miles Card

Bonuses & Rewards
  • match all the rewards at the end of first year
  • 36,000 miles for everyday spend.
First Year Rewards
$720
FEES
-$0
RE® value
$720
How to Apply

To apply for this offer please contact
Discover Bank

More Details
Quicksilver® Cash Rewards Credit Card

Quicksilver® Cash Rewards Credit Card

Bonuses & Rewards
  • $100 sign-up bonus.
  • $360 for everyday spend.
First Year Rewards
$460
FEES
-$0
RE® value
$460
How to Apply

To apply for this offer please contact
Capital One®

More Details
Premier Dining Rewards From Capital One

Premier Dining Rewards From Capital One

Bonuses & Rewards
  • $100 sign-up bonus.
  • $240 for everyday spend.
First Year Rewards
$340
FEES
-$0
RE® value
$340
How to Apply

To apply for this offer please contact
Capital One®

More Details
Citi ThankYou® Premier Card

Citi ThankYou® Premier Card

Bonuses & Rewards
  • 30,000 points sign-up bonus.
  • 24,000 points for everyday spend.
First Year Rewards
$826
FEES
-$0
RE® value
$826
How to Apply

To apply for this offer please contact
Citibank

More Details
Discover it® - Cashback Match™

Discover it® - Cashback Match™

Bonuses & Rewards
  • match all the rewards at the end of first year
  • $240 for everyday spend.
First Year Rewards
$480
FEES
-$0
RE® value
$480
How to Apply

To apply for this offer please contact
Discover Bank

More Details
Discover it® - 18 Month Balance Transfer Offer

Discover it® - 18 Month Balance Transfer Offer

Bonuses & Rewards
  • match all the rewards at the end of first year
  • $240 for everyday spend.
First Year Rewards
$480
FEES
-$0
RE® value
$480
How to Apply

To apply for this offer please contact
Discover Bank

More Details
NHL® Discover it® Card

NHL® Discover it® Card

Bonuses & Rewards
  • match all the rewards at the end of first year
  • $240 for everyday spend.
First Year Rewards
$480
FEES
-$0
RE® value
$480
How to Apply

To apply for this offer please contact
Discover Bank

Costco Anywhere Visa® Card by Citi

Costco Anywhere Visa® Card by Citi

Bonuses & Rewards
  • $0 sign-up bonus.
  • $240 for everyday spend.
First Year Rewards
$240
FEES
-$0
RE® value
$240
How to Apply

To apply for this offer please contact
Citibank

More Details
Citi® Double Cash Card

Citi® Double Cash Card

Bonuses & Rewards
  • $0 sign-up bonus.
  • $480 for everyday spend.
First Year Rewards
$480
FEES
-$0
RE® value
$480
How to Apply

To apply for this offer please contact
Citibank

More Details
Chase Freedom® Card

Chase Freedom® Card

Bonuses & Rewards
  • 15,000 points sign-up bonus.
  • 24,000 points for everyday spend.
First Year Rewards
$390
FEES
-$0
RE® value
$390
How to Apply

To apply for this offer please contact
Chase Bank

More Details
Barclaycard CashForward™ World Mastercard®

Barclaycard CashForward™ World Mastercard®

Bonuses & Rewards
  • $200 sign-up bonus.
  • $360 for everyday spend.
First Year Rewards
$560
FEES
-$0
RE® value
$560
How to Apply

To apply for this offer please contact
Barclaycard

More Details
Hilton Honors™ Surpass® Card from American Express

Hilton Honors™ Surpass® Card from American Express

Bonuses & Rewards
  • 100,000 points sign-up bonus.
  • 72,000 points for everyday spend.
First Year Rewards
$550
FEES
-$75
RE® value
$475
How to Apply

To apply for this offer please contact
American Express

Premier Rewards Gold Card from American Express

Premier Rewards Gold Card from American Express

Bonuses & Rewards
  • 25,000 points sign-up bonus.
  • 24,000 points for everyday spend.
First Year Rewards
$987
FEES
-$0
RE® value
$987
How to Apply

To apply for this offer please contact
American Express

More Details
Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

Bonuses & Rewards
  • $150 sign-up bonus.
  • $240 for everyday spend.
First Year Rewards
$390
FEES
-$95
RE® value
$295
How to Apply

To apply for this offer please contact
American Express

Chase Freedom Unlimited℠

Chase Freedom Unlimited℠

Bonuses & Rewards
  • 15,000 points sign-up bonus.
  • 36,000 points for everyday spend.
First Year Rewards
$510
FEES
-$0
RE® value
$510
How to Apply

To apply for this offer please contact
Chase Bank

More Details
Pink Ribbon BankAmericard Cash Rewards™ Credit Card

Pink Ribbon BankAmericard Cash Rewards™ Credit Card

Bonuses & Rewards
  • $150 sign-up bonus.
  • $240 for everyday spend.
First Year Rewards
$390
FEES
-$0
RE® value
$390
How to Apply

To apply for this offer please contact
Bank of America

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

Bonuses & Rewards
  • $100 sign-up bonus.
  • $240 for everyday spend.
First Year Rewards
$340
FEES
-$0
RE® value
$340
How to Apply

To apply for this offer please contact
American Express

BankAmericard Cash Rewards™ Credit Card

BankAmericard Cash Rewards™ Credit Card

Bonuses & Rewards
  • $150 sign-up bonus.
  • $240 for everyday spend.
First Year Rewards
$390
FEES
-$0
RE® value
$390
How to Apply

To apply for this offer please contact
Bank of America

Tips for Maximizing Gas Rewards

When comparing credit cards for earning gas rewards, it is important to know that your decision does not have to be final. I often use a mix of rewards credit cards, loyalty programs and gas stations to get the most savings.

Whether you are planning a road trip or just driving to and from work, being rewarded for gas purchases can add immense value to your overall budget. However, it is important to pay attention to credit card spending limits and restrictions, as well as the reward rate for gas and the cash/credit price differences at the pump.

Rewards for gas purchases on credit cards usually fall into one of the following categories: quarterly bonuses, a flat-rate with caps or a flat-rate without caps. The highest earners are typically on cards with quarterly bonuses or rotating categories. They’ll often offer up to 5 percent back if they’re featuring gas.

Then there are flat-rate gas rewards with caps. This is when a card gives you a good reward rate of 3 or 4 percent but limits earning to a certain dollar amount per year. There are also flat-rate rewards without caps, which usually range between 1.5 and 2 percent, but earning is unlimited.

I personally never like to get less than 3 percent back on gas. This is easily done by using a mix of credit cards and then upping the savings even more with loyalty programs. Below are some more tips for getting the most rewards at the pump.

  • Tip #1: Take Advantage of Quarterly Bonuses

    Discover it is among the most popular rotating category cashback cards available, and it sometimes offers a 5 percent return on gas. You can easily turn that into a 10 percent return for gas because the Discover it card gives new cardholders the Double Cashback Bonus for the first year of spending. Chase Freedom also has a 5 percent quarterly spending bonus on gas. You must enroll in the quarterly bonus categories to qualify, though.

  • Tip #2: Know Your Limits

    Knowing the limits on bonus spending is important as well. If you are receiving bonus gas rewards, it is likely that there will be a cap to the amount of rewards you earn. This is in reference to quarterly bonuses or general spending bonuses. Once I have maxed out my bonus limit on a card, I like to move to another one.

    For instance, the Costco Visa gives 4 percent cash back on eligible gas, which is capped at $7,000 per year. After you have reached that limit you will get just 1 percent back on gas. The BankAmericard cash rewards card gives 2 percent at grocery stores and 3 percent on gas, but only up to $1,500 for the combined earning of the two. That will go quickly between both gas and groceries.

    Credit cards with quarterly bonuses usually have caps as well. The Chase Freedom caps quarterly spending bonuses at $1,500 per quarter. This amount is usually a combination of spending on whatever is in the category that quarter. This year, for instance, gas and local commuter transportation were lumped together. The Discover it card also has a $1,500 quarterly bonus spending limit.

  • Tip #3: Consider Travel Cards

    When you think of saving on gas, you may automatically think of gas credit cards, quarterly bonuses and cashback cards. However, don’t underestimate travel cards. This may sound unconventional, but driving is a major form of traveling too, so they actually go hand in hand.

    For example, by using the Hilton Honors Surpass card you can earn six Hilton Honors bonus points per dollar on gas, restaurants and supermarkets. Not to mention this card has a 100,000-point sign-up bonus and a free weekend night award after your first year of membership. To get the sign-up bonus you have to spend $3,000 on the card within the first three months.

  • Tip #4: Double Dip

    It is a good idea to double dip whenever possible. As far as gas rewards go, this means joining loyalty programs at gas stations where you may purchase gas and groceries. This is simple, and you can usually join on the spot and they are free. You can get these cards with any type of credit, and they do not require a credit check. They usually require little personal information, but sometimes you can get away with not providing anything at all. Some of may allow you to link a credit card to the loyalty account for easy instant rewards. Many gas stations have an app that will make it easy to earn and redeem points, as well as to keep up with their promotions.

  • Tip #5: Have a Strategy

    Going out of your way for slightly cheaper gas wastes gas and time. We all know time is money, so you need to use your common sense when it comes to this. However, you don’t always need to gas up at the station nearest to your house either.

    Know what you are earning and paying. Keep an eye on fluctuating gas prices. There is plenty of technology out there to help you get the lowest prices. Apps like Gas Buddy allow you to easily find the lowest gas prices near you. You can also find which gas stations charge the same for credit purchases as they do for cash.

Popular Gas Loyalty Programs for Double Dipping

Using a gas loyalty program in conjunction with your rewards credit card is known as double dipping. It is a quick and easy way to increase your gas rewards. You can get rewarded on two sides of the equation from both the gas station loyalty program and your credit card.

If your gas loyalty program is associated with other outlets, become familiar with them and use the loyalty card everywhere it is accepted. For instance, the Plenti card, which is the reward earner for Exxon and Mobil, can also be used at several other stores, such as Macy’s and Rite Aid.

Trust me, these points add up fast. These cards don’t require a credit check, and you can get them with any type of credit. You can usually get them on the spot at the gas station or by downloading an app. Many of them require little or no personal information.

  • Speedway Speedy Rewards

    Although this chain isn’t as widespread as some of the better known national brands, its loyalty program is very rewarding and popular. Cardholders will earn 20 points per dollar on purchases made in the store and 10 points per gallon of gas. Points can be redeemed for free items, for coupons via the mobile app or the in-store kiosk or for purchases from the Speedy Rewards online store.

    If you want to cash these rewards in for gas, you can either get a $10 Speedy gift card for 10,450 points or redeem for coupons toward gas discounts. A 50 cent per gallon discount would cost 8,750 points and is good for one tank filling of up to 25 gallons.

  • Shell Fuel Rewards

    Being a member of this program will allow you to save at least five cents per gallon with Gold status. You may also earn gas rewards for shopping at certain retailers, restaurants, supermarkets and more. You can get a 10 cent per gallon discount after spending $50 on dining at over 11,000 restaurants, bars and clubs. Save five cents a gallon for every $50 spent on travel, including airfare, hotels, rental cars and vacations. Get another five cents off per gallon for every $50 spent shopping online.

    There are also other special card-linked offers that allow you to get five cents off per gallon. Paying with a linked MasterCard can help you get additional savings, too. You can easily redeem your rewards by swiping the Fuel Rewards card when making your gas purchase.

  • BP Driver Rewards

    This rewards program allows members to earn 10 cents off per gallon for every $100 spent on BP fuel. I love this program because you can link your BP Driver Rewards account to your rewards credit card. With this card, you can get up to $600 a year in savings.

    You must provide a valid e-mail address to sign up for this rewards program. This will also allow you to receive information on promotions and keep up with the status of your account. To receive your savings, you can enter your mobile phone number linked to your account. Simply press the cancel key, enter your phone number then press the enter key and follow the prompts on the screen. If you have a credit card linked to your account, you’ll automatically receive your rewards when you swipe it at a BP pump.

  • ExxonMobil Speedpass & Plenti

    Exxon and Mobil are a part of the Plenti rewards program. This program works with several partners and the rewards can be earned and redeemed at any of them. Plenti partners include Macy’s, Rite Aid and more.

    There are also additional opportunities to acquire points quickly on promotions offered by their partner stores. Members will get one point for every gallon of fuel purchased and two points for every dollar in other eligible purchases. To get these rewards you can simply swipe at the pump or enter the telephone number attached to your Plenti rewards card.

  • Sunoco/Safeway Just for U

    This is a loyalty program by Safeway and allows you to earn and redeem at several gas stations. You can earn up to 20 cents off per gallon at Sunoco or up to a dollar off per gallon at Safeway gas stations. Participating stores under the Safeway umbrella include Carrs, Tom Thumb, Randall’s, Vons and Albertsons gas stations.

    Members will earn one point for every dollar spent on groceries and pharmacy items and two points for every dollar spent on qualifying gift cards. When you redeem your rewards, you can get between 10 cents and up to a dollar off per gallon of gas. Spending $100 will get you 10 cents per gallon savings, $200 gets 20 cents off per gallon and $1,000 can get a dollar off per gallon. The dollar discount is only redeemable at Safeway fuel stations.

  • Club Citgo

    As a member of Club Citgo, you can receive discounts and promotions. This program runs random check-in promotions. With these promotions, you may get a notification that says, “check-in today and receive $5 off gas and food or $2 off Tri-Clean gas.”

  • Circle-K

    Members earn 10 points per gallon or 20 points for every dollar spent on eligible products. You can trade 2,000 points for an equivalent of $2. You can sign up for this program online or use the mobile app. This program is very straightforward and extremely easy to use. With your membership, you also get access to offers and promotions, as well as the ability to enter sweepstakes.

  • Fred Meyer Rewards

    This loyalty program is good for use at both Fred Meyers and Kroger. For every $100 spent, you can get 10 cents off per gallon for up to 35 gallons. These points expire monthly, so don’t hold onto them. It is easy for your rewards to add up as the spending isn’t only on gas. This discount is applied based on what you spend on groceries as well as gas. The savings can add up fast. You can save $1.25 per gallon if you have 1,000 points to cash in.

FAQs

Need more info? Check out our FAQ. If you have any questions, don't hesitate to get in touch with us.

  • Applying for a gas station loyalty card is easy. Some cards may even be instantly approved. If you are looking to become a member of a gas station loyalty program, just ask the clerk at the counter. You should be able to get a card on the spot.
    When it comes to credit cards for earning rewards for gas purchases, the easiest way to compare and apply for them is online. An application will usually require your name, social security number, address and some employment information, including your income.
  • Most of the best credit cards for gas rewards are for those with good to excellent credit. If you have poor credit, there are many options to help you build your credit score. I don’t think a gas credit card would be the best option to build your credit, though. You may want to try a secured card to build your credit. Be sure that it reports to the credit bureaus. Don’t just obtain the card; you must also use it to establish a positive payment history. Do not keep a balance on it either. Pay it in full and on time every month.
  • It depends what type of rewards card you have. Cashback rewards cards are pretty straight forward. You will usually earn a percentage of what you spend.
    Gas station loyalty programs and gas station branded credit cards will usually reward you with discounts on gas. Some loyalty programs will even give you free gas after collecting a certain amount of points.
    I prefer non-branded credit cards for gas for the simple fact that it gives me the freedom to shop at different gas stations. With the fact that gas prices seem to shift with the wind, I like to use the Gas Buddy app to find the cheapest prices in town.
  • I like to use a mix of credit cards, gas stations and loyalty programs to maximize my gas rewards. However, among my current favorites are the Discover it card and the Amex Blue Cash Preferred.

    The Discover it card has a quarterly bonus that will give you 5 percent back on gas. For new cardholders, they also have the Double Cashback Bonus, which will double all the cash back you have earned at the end of the first year of card membership. This easily turns your quarterly bonus into 10 percent cash back on gas.

    I also like using the Amex Blue Cash Preferred because I get 3 percent back on gas and also 6 percent on groceries. These are easily my top two monthly spending categories. The Amex Blue Cash preferred also has $150 sign-up bonus, as well as a second welcome offer of $200. For the sign-up bonus, you must spend $1,000 in three months. For the $200 welcome offer, you will receive 10 percent back at restaurants for the first six months of membership.

    The Amex Blue Cash preferred has an annual fee of $95. If you don’t think you would take advantage of all the rewards and benefits, the Amex Blue Cash Everyday has a similar offer without an annual fee. However, the gas rewards are 2 percent on that card.

  • Some gas stations may offer savings on prepaid gas cards. You can also use these cards to maximize a quarterly bonus if you are not going to spend enough on gas within the required time frame. To get gas rewards on your credit card you must purchase these at a gas station. If you buy a prepaid gas card online, it would be considered an online purchase, which in turn would not get you the credit card rewards or help maximize spending on a quarterly bonus.

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