⛽ Best credit cards for gas
Ranked by effective rewards rate — factoring in point values, caps, and annual fees.187 cards compared.
Strata Premier
Citi · $95.00/yr
Amazon Prime Store Card
Synchrony · No annual fee
Custom Cash
Citi · No annual fee
Cap: $500/monthly
Discover It
Discover · No annual fee
Cap: $1500/quarterly
Hilton Honors Business
American Express · $175.00/yr
Venture
Capital One · $95.00/yr
World of Hyatt
Chase · $95.00/yr
Venture X
Capital One · $395.00/yr
Autograph
Wells Fargo · No annual fee
Blue Cash Everyday
American Express · No annual fee
Cap: $6000/annual
Shopper Cash Rewards
U.S. Bank · No annual fee
Cap: $1500/quarterly
Blue Cash Preferred
American Express · $95.00/yr
Showing top 12 of 187 cards
How to choose
The best card for gas depends on how much you spend in this category each year, whether you prefer cash back or transferable points, and whether the annual fee is worth the extra rewards.
Look at the effective rate — not just the headline multiplier. A 3x points card with 1¢ per point earns the same as a 3% cash-back card. Cards with caps earn the bonus rate only up to a spending threshold, then drop to the base rate.
Add your cards to PerkPro to see which one in your wallet actually earns the most on each gas purchase, with caps and bonus deadlines tracked automatically.