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Find Your Best Gas Rewards Card in 60 Seconds

Enter your monthly gas spend and see exactly which card earns the most after fees and caps. No guesswork, just math.

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/month

Your top 3 cards (annual return after fees)

BEST MATCH#1

Citi Custom Cash

5% cash back at gas stations

$120

/year net

#2

Sam's Club Mastercard

5% gas at gas stations

$120

/year net

#3

BP Rewards Visa

15 cents/gal at BP at gas stations

$103

/year net

Based on $200/month gas spend. Net return = rewards minus annual fee. Full calculator with more options

Gas Credit Card Comparison Table

All major gas rewards cards ranked by annual net return. Dollar amounts show your actual annual rewards minus any annual fee at each spend level.

CardGas RateCapAnnual FeeNet at$150/moNet at$250/moNet at$400/mo
TOP
5% cash back$500/cycle$0$90$150$240
Sam's Club Mastercard

Synchrony

5% gas$6,000/yr$0$90$150$240
BP Rewards Visa

First National Bank of Omaha

15 cents/gal at BPNo cap$0$77$129$206
PenFed Platinum Rewards

PenFed Credit Union

5x pointsNo cap$0$77$128$204
Costco Anywhere Visa

Citi (Costco co-brand)

4% / 5% at Costco gas$7,000/yr$0$72$120$192
Wells Fargo Autograph

Wells Fargo

3x pointsNo cap$0$54$90$144
Chase Freedom Flex

Chase

5% rotating quartersNo cap$0$54$90$144
Discover it Cash Back

Discover

5% rotating quartersNo cap$0$54$90$144
Bank of America Customized Cash

Bank of America

3% choice categoryNo cap$0$54$90$144
Amex Blue Cash Preferred

American Express

3% cash backNo cap$95$-41$-5$49

Net return = annual gas rewards minus annual fee. Costco membership cost ($65) not included in annual fee column. PenFed 5x points valued at 0.85 cents each. Rotating category cards (Chase Freedom Flex, Discover it) assume gas bonus active in 2 quarters. All rates as of April 2026.

Who Benefits Most?

Drivers spending $150 or more per month on gas benefit the most from a dedicated gas card. At $200/month, the difference between a 5% gas card and a 2% flat card is $72/year. For commuters, rideshare drivers, and families with multiple vehicles, that gap grows quickly. See our commuter guide for recommendations by driving profile.

Watch Out for Reward Caps

The headline rate is not the whole story. Citi Custom Cash caps at $500/billing cycle in spending. Costco Anywhere Visa caps at $7,000/year in gas purchases. Sam's Club Mastercard caps at $6,000/year. After the cap, all three drop to 1%. High-spend drivers ($400+/month) should check if their spending will hit the cap and consider uncapped cards like PenFed Platinum Rewards.

When Annual Fee Cards Pay Off

The only major gas card with an annual fee is the Amex Blue Cash Preferred ($95/year). It earns just 3% on gas, so on gas alone it rarely beats free alternatives. The card makes sense when you combine its 6% grocery rate with the 3% gas rate. If you spend $500/month on groceries and $200/month on gas, the BCP returns $337/year net. Read the full BCP analysis.

Gas Rewards Calculator

Compare two cards side by side. See your exact annual return.

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Citi Custom Cash earns $24 more per year at $200/month gas spend

WINNER

Citi Custom Cash

Gas rate5% cash back
Annual gas rewards$120.00
Annual fee$0
Net annual return$120.00
Effective cents per gallon17.5 cents
Break-even on feeN/A

Costco Anywhere Visa

Gas rate4% / 5% at Costco gas
Annual gas rewards$96.00
Annual fee$0
Net annual return$96.00
Effective cents per gallon14.0 cents
Break-even on feeN/A

Gas price assumed at $3.50/gal for cents-per-gallon calculation. PenFed points valued at 0.85 cents each (travel redemption).

Frequently Asked Questions

What credit card gives the most cash back on gas?+
The Citi Custom Cash and Sam's Club Mastercard both offer 5% cash back on gas purchases. The Citi Custom Cash caps at $500 per billing cycle in gas spending, while Sam's Club caps at $6,000 per year. PenFed Platinum Rewards earns 5x points (worth about 4.25% in travel value) with no cap. For most drivers spending under $500/month on gas, the Citi Custom Cash delivers the highest effective return with no annual fee.
Is it worth getting a separate credit card just for gas?+
It depends on your gas spending relative to your total spending. If you spend $200/month on gas, a 5% gas card earns $120/year compared to $48 from a 2% flat-rate card. That $72 difference grows with your gas spend. A dedicated gas card paired with a 2% flat-rate card for everything else is the most effective two-card strategy for most drivers.
What happens when you hit the reward cap on a gas credit card?+
Most gas credit cards drop to 1% cash back after you hit the annual or per-cycle cap. For example, the Costco Anywhere Visa earns 4% on gas up to $7,000/year in purchases, then drops to 1% for the rest of the year. At $600/month in gas spending, you would hit the $7,000 cap in about 11.7 months, meaning your December gas would earn only 1%. High-spend drivers should prioritize cards with no cap, like PenFed Platinum Rewards.
Do gas credit card rewards work at all gas stations?+
Most gas credit cards earn bonus rewards at any merchant classified under gas station merchant category codes (MCCs 5541 and 5542). This includes branded stations (Shell, BP, Exxon) and most unbranded stations. However, gas pumps at supermarkets, superstores, and some warehouse clubs may not trigger the gas MCC. The Costco Anywhere Visa is an exception: it earns 5% only at Costco gas stations, and 4% at all other gas stations.
Do gas rewards cards work at EV charging stations?+
Some gas rewards cards include EV charging station purchases in the fuel category. PenFed Platinum Rewards (5x), Costco Anywhere Visa (4%), and Wells Fargo Autograph (3x) all confirm coverage for public EV charging networks like Tesla Supercharger, ChargePoint, and Electrify America. Home charging on your electricity bill does not count. Check our EV charging coverage guide for the complete list.
When does a gas card with an annual fee beat a free one?+
For gas spending alone, a fee card rarely wins. The Amex Blue Cash Preferred ($95 fee) earns 3% on gas, meaning you need $3,167/year in gas just to break even on the fee compared to a 0% card. Against a free 3% card, you never break even on gas alone. The Amex BCP only makes sense if you also take advantage of its 6% grocery rate ($6,000/year cap) and 3% transit rate. The fee is justified by the combination of categories, not gas alone.
How much can you save per year with a gas rewards credit card?+
At $200/month in gas spending, a 5% card like the Citi Custom Cash earns $120/year with no annual fee. A 3% card earns $72/year. At $400/month, the Citi Custom Cash earns $240/year (staying under the $500/cycle cap). High-spend drivers using PenFed Platinum Rewards (no cap, ~4.25% effective) earn $204/year at $400/month. Use our gas rewards calculator to see your exact savings with any card.
Can you use a gas rewards card for diesel fuel?+
Yes. Diesel purchases at gas stations use the same merchant category codes as regular gasoline, so they earn the same bonus rate on gas rewards cards. This applies to consumer vehicles filling up at standard gas stations. Fleet diesel at dedicated truck stops may use a different MCC and might not trigger the gas bonus. If you drive a diesel vehicle, a gas rewards card works exactly the same as it does for gasoline.

Related Credit Card Resources

Amex Everyday vs Blue Cash Preferred

Compare the two most popular Amex cash-back cards for grocery and gas rewards.

Best No Annual Fee Credit Cards

Full guide to the best rewards cards that never charge an annual fee.

Credit Cards for Fair Credit

Options if your credit score does not qualify for top-tier gas rewards cards.