6 Top Gas Credit Cards – 2015

Even with gas costs falling this year, it’s not as cheap as it used to be. Maybe you’re reminiscing about the days when you could fill the whole tank for $5. If so, you’ll love these gas cards.

Credit cards offering cash back and other gas rewards can be a great way to trim your gas bill. Many of the cards listed below will give you a straight percentage back on qualified gas purchases. Others offer tiered percentage amounts, which can be better in some situations. Of course, don’t forget to consider introductory offers, annual fees, bonus rewards, and rewards for other purchases, too.

Here are some of the gas cards* we think are the best on the market today:

Credit One Bank® Credit Card with Gas Rewards

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Credit One Bank® Credit Card with Gas Rewards

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  • Unlimited 1% cash back gas rewards
  • Rewards post to your account automatically each month
  • Get Pre-Qualified without affecting your credit score
  • Automatic reviews for credit line increase opportunities
  • Keep an eye on your credit information with free online monthly credit score tracking
  • Choose your card design from our premium gallery
  • Email or text alerts to remind you when your payment is due

U.S. Bank Perks+ Visa Signature® Card

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U.S. Bank Perks+ Visa Signature® Card

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  • 0% Intro APR* on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR, currently 11.99% - 21.99%*.
  • Earn 2X points on Gas and Grocery net purchases (purchases minus credits and returns).
  • Earn 1 point for every net dollar spent on everything else.
  • Redeem for rewards you want — Redemption starts at 1,700 points for brand name merchandise, 2,500 points for gift cards, and 5,000 points for cash back.
  • Additionally, 25,000 points for one airline ticket (up to a $400 value) on over 150 airlines with no blackout dates.
  • No annual fee*.
  • Net purchases are purchases minus credits and returns

1. Barclaycard® Rewards MasterCard®

This one is a good all-around rewards card, but it offers especially good rewards for gas purchases. You get 2 points per $1 spent on gas, groceries, and utilities purchases, and 1 point per $1 spent everywhere else. 1,000 points are worth $10, so you’ll get around $10 back on $500 worth of gas purchases.

No reward expiration: As long as you’re a customer in good standing with this card, you don’t have to worry about losing your points. You can redeem as many as you want at a time, and you can save up points for as long as you’d like.

No annual fee: One of the best things about this card is that it has no annual fee.

Complimentary FICO® Score: On your monthly statement or through your online account, you can access your up-to-date FICO® score. The card will automatically notify you of any changes in your credit score, too. Plus, after you make 5 consecutive on-time payments, Barclay will automatically review your credit for a possible credit line increase.

Bottom Line: This is an easy-to-use rewards card that offers great cash-back options for gas and groceries. It could also be a good option if you’re building your credit, as the lowest accepted score is in the 500’s.

2. Barclaycard Arrival Plus™ World Elite MasterCard®

This one offers 2X the miles on all purchases – so 2 miles for every $1 spent on anything. It’s not specifically geared towards gas savings, but it’s a great rewards program. Your miles don’t expire as long as your account is active and in good standing. Plus, you’ll get a 40,000 mile bonus when you spend $3,000 on this card in the first 90 days of ownership. That’s enough for a $400 travel statement credit!

Miles for Everything: The 2X miles offer counts for any purchase made with this card – including gas and including bills.

Extra Miles: Besides the 40,000 bonus miles deal, this card also offers 10% miles back to use towards your next redemption when you redeem miles for travel statement credits.

Chip Card: This specialized chip card is the wave of the future. The chip gives the card extra security, and makes it easier to pay both abroad and at home.

No Foreign Transaction Fees: The true travelers’ credit card, this one offers no transaction fees. So while you’re enjoying your vacation travel paid for in rewards, you can rack up rewards for the next trip, too.

FICO® Score: Like the above-listed Barclaycard®, this one offers a free FICO® credit score with each bill, or unlimited access to your updated FICO® through your online account.

Bottom Line: If you want to combine great rewards for gas purchases, as well as travel rewards, this is an excellent option – as long as you’ve got excellent credit.

3. Chase® Freedom

This one is a good “part time” gas card. Like many rewards cards these days, it offers rotating rewards categories. So during the third quarter of 2015 (July 1-September 20), it offers a 5% cash back bonus on up to $1,500 in gas purchases. If you’re looking at a road trip this summer, this card would be a good one to have in your wallet! Plus, the card offers an unlimited 1% cash back elsewhere.

Bonus: You can get two cash back bonuses with this card. One is a $100 bonus after you spend $500 in the first three months of use. The other is a $25 bonus when you add an authorized user to your card within 3 months of opening your account.

No Annual Fee: The Chase® Freedom has no annual fee.

Bottom Line: This is a good option if you’ll use the bonus rewards the other three quarters, and want to take advantage of a solid 1% cash back on all purchases, all year long.

4. American Express Blue Cash® Preferred

If you want absolutely the best in cash back rewards for gas purchases, this is probably the card for you. It offers an unlimited 3% cash back on gas pumped anywhere in the U.S. Besides that, it offers 6% back on up to $6,000 in groceries per year, and an unlimited 3% cash back on U.S. department store purchases.

Bonus Offer: This card offers $150 in bonus cash back after you spend $1,000 in purchases within the first three months of use.

Annual Fee: Because of its excellent rewards, this card does come with an annual fee of $75. If you max out the grocery bonuses and spend enough on gas, you’ll well out-earn the fee. However, if you don’t use this card regularly enough, the annual fee could easily eat into your earnings.

Easy Rewards: With the Blue Cash® Preferred card, you’ll rack up cash back rewards, which you can then use as a statement credit. The rewards aren’t quite as flexible as with some other programs, but they’re great if your main goal is to offset spending.

Bottom Line: If you’ll use this as your primary gas card and max out the grocery rewards, too, you’ll be sitting on $400+ per year in savings – well over enough to offset the $75 annual fee. Plus, the $150 cash back bonus for new signers offsets two years’ worth of annual fees.

5. American Express® Blue Cash® EveryDay

This is similar to the Blue Cash® Preferred in that it’s a good all-around rewards card. However, the rewards aren’t quite as great – 3% cash back on up to $6,000 in groceries per year plus 2% on all U.S. gas and department store purchases. However, it doesn’t have an annual fee, so you don’t have to worry about using the card enough to offset $75 in fees per year.

Cash Back Bonus: If you spend $1,000 in your first three months of use, you’ll get $100 cash back as a bonus.

1% Cash Back: On any spending outside of groceries and gas, you’ll get 1% unlimited cash back.

Annual Fee: As we noted above, there’s no annual fee for the Blue Cash® Everyday, so you don’t need to worry about maximizing benefits to offset an annual fee.

 

Bottom Line: If your credit’s not quite good enough for the Preferred – or if you don’t like the idea of a $75 annual fee – check this card out. It’s a good everyday spending card with excellent cash back rewards for gas and other purchases.

6. PenFed Platinum Cash Rewards Visa®

This credit card offers killer cash back rewards on gas purchases – but only if you’re a member of PenFed. Regular users get 3% cash back on gas purchases, but Plus users will get 5% cash back on gas. That’s a great deal, especially if you travel often.

Qualify for Plus: To qualify for the 5% cash back for gas on this card, you’ll need to have another qualifying product with PenFed Credit Union. Checking accounts, loans, lines of credit, and mortgages all count. But as long as this other product is active, you can take advantage of the great rewards of this card.

Annual Fee: Standard users will pay $0 the first year, and $25 per year after that. Plus users will pay $0 per year in annual fees.

 

Bottom Line: If you have excellent credit and you’re already searching for a loan or another financial product, check out FedPen. If their other products meet your needs, this credit card could be the icing on the cake.

Published or Updated: August 27, 2015
About Rob Berger

Rob founded the Dough Roller in 2007. A litigation attorney in the securities industry, he lives in Northern Virginia with his wife, their two teenagers, and the family mascot, a shih tzu named Sophie.

Comments

  1. Bill says:

    The PNC Everyday Rewards card seems like it would also be a great gas card. It gives 4% on the first $250 spend on gas each month and there are other bonus categories as well with lesser cashback. I rarely see this card mentioned on credit card reviews so I am curious if people have had negative experiences with it?

    • DR says:

      Bill, thanks for the tip. That card does sound like a good offer.

  2. ronald says:

    interesting dont all credit card company has hidden fees that they charge you for life.

    • COLLECTOR says:

      NO CREDIT CARD COMPANIES DON’T HAVE HIDDEN FEES- THEY HAVE FINE PRINT. ITS UP TO THE CONSUMER WHETHER OR NOT THEY READ THE FINE PRINT. BY USING THE CARD EVEN ONE TIME YOU AGREE TO ALL THE FINE PRINT WHETHER YOU READ IT OR NOT.

  3. The PNC card is pretty solid, but if you’re STRICTLY after gas rewards you’re almost always going to get a better cash back structure with a credit card that’s directly partnered with a specific gas station…such as a Shell/BofA card. The only downside is that the card usually lacks any perks outside of gas and you’ll always have to scramble for a Shell station when you’re on E…which sometimes sucks….

  4. Bob says:

    The Penfed card is still fantastic for gas, but it no longer gives you 2% on groceries – just 1%

  5. Chris says:

    Interesting no one mentions the BofA BankAmericard cash rewards card which gives 3% on gas, 2% on groceries, and 1% on everything else. I know there is distaste for BofA, but that thing is a gem. Those with BofA accounts get an extra 10% cash back as well.

    • Janet says:

      I agree with Chris. BofA has always treated me well.

  6. jim says:

    The Sallie Mae card from Barclay has 5% back on gas stations on up to $250 of purchases per month.

  7. Sudarto says:

    This information is very useful for you who often buy the gas because your needs are large. Thus, the ownership of the credit card needs to be tailored to our needs so that we can get great benefits. Thank you.

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