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Overview
With gas prices always seeming to rise, finding ways to save at the pump is more important than ever. Luckily, paying for gas doesn’t have to be a drag when you’re earning rewards. With the right card, each trip to the pump is a chance to earn cashback, points, or statement credits. These savings can add up fast, helping offset the cost of fuel or even fund other purchases. Think of it as turning a necessary expense into an opportunity to save or splurge later.
In this roundup, we’ve done the legwork to bring you the best credit cards for gas rewards. From cards that offer high cashback rates at gas stations to those with perks like travel points or rewards on other everyday spending, there’s something for everyone. Many of these cards even come with additional benefits, like discounts on repairs, roadside assistance, or sign-up bonuses that sweeten the deal.
With the right credit card in your wallet, your daily commute could become more than just a routine drive—it could be the ticket to your next beach vacation.
The Bottom Line:
The best gas rewards credit card depends on your lifestyle and spending habits. If you’re someone who drives often or has long commutes, choosing a card that offers high rewards on fuel purchases is a no-brainer. Take a look at the options in this list and pick one that not only helps you save at the pump but also delivers perks you’ll actually use.
The quick pick:
Best Credit Cards for Earning Rewards on Gas
- Best for high earning power: Blue Cash Preferred® Card from American Express
- Best for beginners: Chase Freedom Unlimited®
- Best for small business owners: Chase Ink Business Unlimited® Credit Card
- Best for beginner travelers: Chase Sapphire Preferred® Card
- Best for everyday earning: Citi Strata Premier℠
- Best for: High Earning Power
- Annual Fee: $0 intro annual fee for the first year, then $95.
- APR: 18.49%-29.49% (Variable)
- Reward Rate: 1%-6%
- Recommended Credit: 670-850
Blue Cash Preferred® Card from American Express
$250 intro offer
Offer Details:
Earn $250 after you spend $3,000 on purchases in your first 6 months of card membership
Why we like it
The American Express Blue Cash Preferred is an almost indispensable card for racking up serious cash back. Even considering its annual fee (which has a $0 annual fee the first year), it represents tremendous value. Combined with another, more specific rewards-earning, the Blue Cash Preferred could be the foundation of an outstanding cash-back earning strategy.
Reward details
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6% Cash Back on select U.S. streaming subscriptions.
3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
3% Cash Back at U.S. gas stations
1% Cash Back on other purchases
Pros & Cons
Pros
Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
$84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
Cons
Not the most lucrative intro offer
- Best for: Beginners looking for a low risk entry point
- Annual Fee: $0
- APR: 19.74% - 28.49% (Variable)
- Reward Rate: 1.5%-5%
- Recommended Credit: 670-850
Chase Freedom Unlimited®
Up to $300 Cashback
Offer Details:
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back
Why we like it
The Chase Freedom Unlimited does seem like a strong choice for beginners, but its quirks mean it can still find a place in a seasoned points and miles enthusiast’s wallet. While it’s a cashback earning product, those with another Ultimate Rewards earning card can convert that cashback into super-valuable points. The unique bonus structure means the card can be a hugely valuable asset to anyone trying to build their Ultimate Reward points, effectively earning a minimum of 3% or 3 points per dollar on everything.
Reward details
5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards, and more.
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service.
1.5% cash back on all other purchases.
Pros & Cons
Pros
Generous introductory earning rate
Strong earning rates after the introductory year
No annual fee
Cons
Another Chase card is required to earn points
Some cards have better rates after the introductory year
- Best for: Small Business Owners
- Annual Fee: $0
- Variable APR: 17.74% - 23.74%
- Reward Rate: 1.5%
- Recommended Credit: 670-850
Chase Ink Business Unlimited® Credit Card
$750 Cash Back
Offer Details:
$750 cash back after you spend $6,000 on purchases in the first 3 months from account opening
Why we like it
The Ink Business Unlimited Card shines with its large intro bonus, currently sitting at $750 of cash back. The card has no annual fee and a simple but strong rewards-earning rate, with 1.5% cash back (1.5x points) on all purchases. This means you don’t have to worry about tracking any bonus categories and still know that each time you swipe the card you’ll be racking up points.
Even better, if you have a companion Chase card like the Chase Sapphire Preferred® Credit Card, Chase Sapphire Reserve® Credit Card, or the Chase Ink Business Preferred® Credit Card, you can pool your rewards from the Ink Unlimited and make them more valuable by transferring them to Chase’s travel partners like Hyatt, United Airlines, British Airways, Southwest, and more.
Reward details
1.5% unlimited cash back on every purchase for your business
Pros & Cons
PROS
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For small business owners and freelancers it’s one of the best cards for turning spending into valuable rewards. The welcome bonus alone is worth $750 of cash back and you’ll continue to rack up rewards with a solid earning rate that applies to all purchases.
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It has no annual fee.
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If you have another Chase card like the Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred, you can pool your points and make them more valuable. You’ll be able to transfer your points to Chase’s travel partners like Marriott, Air Canada, Southwest, United, and more.
CONS
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It does lack some of the juicier benefits attached to other business credit cards likes the The Business Platinum Card® from American Express. But with no annual fee, it’s hard to argue with its value proposition.
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It’s subject to Chase’s 5/24 rule. So if you’ve opened five cards in the last two years, you’re most likely not going to be accepted.
- Best for: Beginner Travelers
- Annual Fee: $95
- Variable APR: 20.74% - 27.74%
- Reward Rate: 1X - 5X
- Recommended Credit: 670-850
Chase Sapphire Preferred® Card
60,000 Bonus Points
Offer Details:
60,000 Bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Why we like it
The Chase Sapphire Preferred Card is the ultimate all-around travel credit card—it fits perfectly into almost any points-earner’s wallet. Points novices can enjoy a significant intro bonus and easy to grasp spending categories with an approachable annual fee. The more experienced can utilize its high value earning potential as a secondary card and also gain access to Chase’s strong travel booking portal.
Reward details
5x on travel purchased through Chase Travel℠.
3x on dining, select streaming services and online groceries.
2x on all other travel purchases.
1x on all other purchases.
Pros & Cons
PROS
Get 25% more value when you redeem for airfare, hotels, car rentals, and cruises through Chase Travel℠.
The $50 dollar hotel credit for stays purchased on the Chase Travel Portal already cuts the already approachable $95 annual fee significantly.
A 10% annual points bonus is tacked on every year, adding a little more value.
A free year-long Doordash DashPass membership is also thrown in, which gives you free delivery and some extra discounts. It’s a solid perk if you order food delivery at least semi-frequently (Activate by 12/31/2027).
Along with all of the above, cardholders also have access to a string of travel protections like rental coverage, cancellation insurance, and purchase protection.
CONS
Maximizing the value of Chase points can still be complicated for complete novices.
Competing cards like the Capital One Venture have a better earning rate for non-bonused spend.
It’s subject to Chase’s 5/24 rule. So, if you’ve opened five cards in the last two years, you’re most likely not going to be accepted.
- Best for: Everyday Earning
- Annual Fee: $95
- APR: 20.49%- 28.49% (Variable)
- Reward Rate: 1X-10X
- Recommended Credit: 670-850
Citi Strata Premier℠ Card
75,000 Bonus Points
Offer Details:
75,000 Bonus Points after you spend $4,000 on purchases in your first 3 months of account opening - redeemable for $750 in gift cards or travel rewards at thankyou.com
Why we like it
The Citi Strata Premier Card is an underrated travel credit card that offers both high points-earning potential and simplicity. While the mid-tier card doesn’t come with any premium benefits, its earning on popular spending categories is almost unmatched. Holders earn 3X points on air travel, hotels, gas stations, supermarkets, and restaurants, making it ludicrously easy to accrue points. Throw in the healthy 75,000-point bonus and you’ve got a great haul of rewards on your hands.
Reward details
10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas, and EV Charging Stations.
1 Point per $1 spent on all other purchases
Pros & Cons
Pros
The 75,000-point intro bonus is worth $750 in gift cards and well over $1,000 when transferred to travel partners, making the $95 dollar annual fee an afterthought. You could ignore the card for a decade, and it would still be worth it.
Its earning potential is phenomenal: Earning 3X points on categories like gas and supermarkets, which are part of the average American’s biggest expenses, means the Citi Strata Premier will work hard for you on a daily basis.
Cardholders get a $100 hotel benefit each year on a hotel purchase of $500 or more. Not the greatest perk in the world, but a nice saving on an unexpected hotel stay that wipes out the yearly fee itself.
As it’s a World Elite Mastercard, cardholders will enjoy varied benefits like Lyft credits, upgrades and breakfast at select hotels, and cell phone protection.
Cons
Citi’s transfer partners are mainly foreign airlines, so using the points on US-based carriers will require some extra research.
Other mid-tier cards may offer some more interesting perks.
by your friends at The Daily Navigator
