If you drive regularly — for commuting, errands or road trips — using a credit card that rewards gas and EV charging can put money back in your pocket. Below are smart options for different types of drivers, plus what to consider when picking the right card for your wallet.
Why carry a gas card
Even occasional fill-ups add up. The right card turns everyday fuel and charging costs into cash back, points or travel credits. Consider how often you drive, where you fill up (big-box gas, branded stations, Costco) and whether you prefer cash back or travel rewards.
Top picks and quick summaries
– Blue Cash Preferred® Card from American Express
– Welcome offer: Targeted offers can be as high as $300 cash back after meeting a spending threshold; offers vary.
– Annual fee: $0 intro for the first year, then $95.
– Earning: 6% back at U.S. supermarkets (up to $6,000/year), 6% on select U.S. streaming, 3% on transit and 3% at U.S. gas stations, 1% on other purchases.
– Best for: Families and shoppers who value straightforward cash back and big supermarket rewards. Redeems as Reward Dollars for statement credits or Amazon checkout.
– Bank of America® Customized Cash Rewards credit card
– Welcome offer: $200 after spending $1,000 in the first 90 days.
– Annual fee: $0.
– Earning: Choose one category to earn 6% cash back (first year; then 3%) — options include gas/EV charging, online shopping, dining, travel, drugstores or home improvement. 2% at grocery stores and wholesale clubs; 1% on everything else. Category and grocery/wholesale combined cap: $2,500 per quarter.
– Best for: People who want flexibility to shift their highest-earning category month to month.
– Costco Anywhere Visa® Card by Citi
– Welcome offer: None.
– Annual fee: $0 for the card, but a Costco membership is required.
– Earning: 5% back on gas at Costco, 4% back on other eligible gas and EV charging purchases (combined cap $7,000/year, then 1%), 3% on restaurants and eligible travel (including Costco Travel), 2% on Costco purchases, 1% on everything else.
– Best for: Costco shoppers who want top-tier gas/EV rewards and are comfortable redeeming Costco reward certificates annually.
– Chase Freedom Flex®
– Welcome offer: $200 after spending $500 in the first three months.
– Annual fee: $0.
– Earning: 5% cash back on rotating categories (up to $1,500 per quarter, activation required), 5% on travel through Chase Travel, 3% on dining and drugstores, 1% on other purchases.
– Best for: Cardholders who can take advantage of rotating 5% categories — gas often appears as a quarterly bonus at least once per year.
– Wyndham Rewards Earner Business Card
– Welcome offer: 45,000 points after $3,000 in spending and payment of the annual fee within 90 days.
– Annual fee: $95.
– Earning: 8 points per dollar on participating Wyndham properties and on gas, 5 points per dollar on marketing/advertising/utilities, 1 point per dollar elsewhere. 15,000-point anniversary bonus and automatic Wyndham Diamond status.
– Best for: Small-business owners who frequently stay at Wyndham hotels and want elevated gas earning tied to hotel loyalty.
– Wyndham Rewards Earner Plus Card
– Welcome offer: 45,000 points after $1,000 in purchases in the first 90 days.
– Annual fee: $75.
– Earning: 6 points per dollar at participating Wyndham properties and on gas, 4 points per dollar on dining and groceries (excludes some big-box discount stores), 1 point per dollar on other purchases. Includes automatic Platinum elite status and annual bonus points.
– Best for: Frequent Wyndham guests seeking a consumer card with strong gas earning.
– U.S. Bank Altitude® Connect Visa Signature® Card
– Welcome offer: 20,000 bonus points after $1,000 in net purchases in the first 90 days.
– Annual fee: $0.
– Earning: 4 points per dollar at gas and EV charging stations (on the first $1,000 each quarter; excludes discount supercenters/wholesale clubs), 4 points per dollar on travel booked directly with airlines/hotels/car rentals, 5 points per dollar on prepaid hotels/car rentals via the Altitude Rewards Center, and 2 points per dollar on dining, streaming and groceries. Perks may include up to $100 in statement credits for Global Entry/TSA PreCheck and a limited Priority Pass lounge access benefit.
– Best for: Travelers and commuters who want no annual fee plus solid gas and travel bonus categories.
How to choose the right gas card
– Fuel frequency: Heavy drivers benefit from cards with the highest gas/EV rates and higher caps (Costco, Wyndham business). Occasional drivers may prefer no-fee cards that reward multiple categories (Chase Freedom Flex, Bank of America Customized, U.S. Bank Altitude Connect).
– Where you buy gas: If you frequent Costco, the Costco Anywhere Visa is very compelling. If you buy at varied stations, look for broader gas/EV bonuses or rotating-category opportunities.
– Reward type and use: Cash back is simple and flexible; points can be worth more when redeemed for travel but may require loyalty program knowledge. Match the reward currency to how you plan to use it.
– Fees and caps: Compare annual fees against expected rewards. Watch for category caps (quarterly or annual) that limit how much elevated earning you’ll actually get.
– Additional perks: Consider ancillary benefits like cell phone/car rental protections, travel benefits, lounge access, or airport-security credits.
How we selected these cards
We picked cards that offer meaningful rewards on gas and EV charging across a range of spend habits, issuer ecosystems and fee structures. The list includes cashback-focused cards, cards with flexible rotating categories, and travel/hotel-branded cards that also reward fuel purchases.
Bottom line
There’s no one-size-fits-all best gas card. Heavy commuters might prioritize the highest gas rates and caps, Costco members should consider the Costco Anywhere Visa, and value-minded drivers may prefer no-annual-fee cards that reward multiple categories. Choose a card that aligns with where you buy fuel, your overall spending, and whether you want cash back or travel value — and you’ll offset a noticeable portion of your fuel costs over a year.