If you spend a lot of time on the road — commuting, road-tripping, or driving for work — a gas rewards credit card can save you serious money at the pump. Some cards even give you extra perks on groceries, dining, or travel.
At CreditVana, we’ve broken down the best gas credit cards of 2025 and explained who each one is best for.
🚗 Best for Big Gas Expenses: Citi Custom Cash® Card
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5% cash back automatically in your top eligible spending category each billing cycle (includes gas).
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Up to $500 per month at 5%, then 1% on additional purchases.
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$200 bonus after $1,500 spend in the first 6 months.
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$0 annual fee.
Why it’s good: If gas is your biggest monthly expense, this card adjusts to reward it. Just keep in mind you only get 5% on one top category each month.
⛽ Best for Rewards Variety: Wells Fargo Autograph® Card
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3x points at gas stations and EV charging stations.
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3x points on restaurants, travel, transit, streaming, and phone plans.
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1x on all other purchases.
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Points can be redeemed for cash back, gift cards, or travel.
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$0 annual fee.
Why it’s good: Great all-around card if you want gas rewards plus value across several everyday categories.
🛒 Best for Gas + Groceries: Blue Cash Preferred® Card from American Express
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3% cash back at U.S. gas stations and transit.
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6% cash back at U.S. supermarkets (up to $6,000/year).
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6% cash back on select streaming services.
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$250 statement credit after $3,000 spend in first 6 months.
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$0 intro annual fee first year, then $95.
Why it’s good: A powerhouse card for households that spend heavily on both groceries and fuel.
💵 Best for No Annual Fee: Bank of America® Customized Cash Rewards Card
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Choose 3% cash back in your preferred category (including gas).
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2% cash back at grocery stores and wholesale clubs.
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1% on all other purchases.
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$200 online cash rewards bonus after $1,000 spend in 90 days.
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$0 annual fee.
Why it’s good: Flexible choice card with no annual cost — perfect for budget-conscious drivers.
🛢️ Best for Gas Discounts: ExxonMobil™ Smart Card
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Save 12¢ per gallon on premium and 10¢ per gallon on other fuel grades.
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New cardholders get an extra 30¢ off per gallon for the first 2 months.
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$0 annual fee.
Why it’s good: Direct per-gallon savings at Exxon and Mobil stations.
🏨 Best for Road Trips: Hilton Honors American Express Surpass® Card
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6x Hilton Honors points at U.S. gas stations.
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12x points on Hilton stays.
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3x points on other purchases.
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Annual fee: $150.
Why it’s good: Drivers who also stay in hotels frequently can pile up Hilton points quickly.
🛒 Best for Costco Members: Costco Anywhere Visa® Card by Citi
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5% cash back at Costco gas stations.
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4% cash back on other eligible gas and EV charging (up to $7,000/year, then 1%).
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3% cash back on restaurants and eligible travel.
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2% at Costco and Costco.com.
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$0 annual fee (Costco membership required: starts at $65/year).
Why it’s good: A no-brainer for Costco members who fuel up regularly.
🛒 Best for Sam’s Club Members: Sam’s Club® Mastercard®
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5% cash back on up to $6,000 in gas purchases per year (1% after).
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Applies at most gas stations, not just Sam’s Club.
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$0 annual fee (Sam’s Club membership required: starts at $50/year).
Why it’s good: Strong gas rewards for Sam’s Club members, with flexibility to use outside of club stations.
How Gas Credit Cards Work
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Gas station-branded cards: Usually give fixed per-gallon discounts at specific brands (Exxon, Shell, etc.).
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General rewards cards: Earn points or cash back as a percentage of your gas spending, often with extra rewards in other categories.
Both can save you money — the best choice depends on how much you drive and where you fuel up.
Are Gas Credit Cards Worth It?
A gas credit card is worth it if:
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You commute long distances or drive for work (Uber, Lyft, trucking, delivery).
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You want to maximize rewards in one of your biggest budget categories.
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You’re loyal to a particular station brand and can stack discounts.
Even casual drivers can benefit if the card also offers value in other everyday categories like groceries, dining, or travel.
Do Gas Credit Cards Build Credit?
Yes — as long as you:
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Pay your balance on time and in full.
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Keep your credit utilization low.
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Choose a card issuer that reports to all three bureaus (Equifax, Experian, and TransUnion).
Over time, using a gas rewards card responsibly can help boost your credit score while saving you money at the pump.
✅ CreditVana Tip: Gas rewards are great, but don’t forget your bigger financial picture. Track your 3-bureau credit scores free with CreditVana, and use your rewards cards strategically to maximize both savings and credit growth.
