If you regularly drive to work or school, you may want to get a credit card that earns rewards on gas and EV charging expenses.
A good gas credit card should earn at least 3% back on all eligible purchases, including EV charging for electric vehicles. The best ones also earn bonus rewards on other expenses such as travel and dining and come with additional travel or purchase protections.
Beyond these simple criteria, choosing the best gas credit card depends on your overall spending habits and whether you want to earn cash back or travel rewards.
Business Insider's personal finance team combed through dozens of potential picks by evaluating welcome bonus offers, ongoing rewards, additional benefits, and annual fees.
Based on our research, these are the best gas credit cards to maximize your spending at the pump.
Best Credit Card for Gas and EV Charging in 2025
| What It's For | Card | Annual Fee |
| Best for maximizing cash back | Citi Custom Cash℠ Card | $0 |
| Best for Costco shoppers | Costco Anywhere Visa® Card by Citi | $0 |
| Best for single-card households | U.S. Bank Altitude® Connect Visa Signature® Card | $0 |
| Best for families | Blue Cash Preferred® Card from American Express | $0 intro for the first year, then $95 (rates and fees) |
| Best for big investors | Bank of America® Customized Cash Rewards Credit Card | $0 |
| Best for credit union supporters | PenFed Platinum Rewards Visa Signature® Card | $0 |
| Best for crypto investors | Gemini Credit Card® | $0 |
Best Gas Credit Card for Cash Back Maximizers
The Citi Custom Cash℠ Card earns 5% cash back on gas and EV charging — but only if it's your highest expense that billing cycle, and only on up to $500 per billing cycle (then 1%).
If you max out this $500 monthly cap, you could earn $25 in bonus cash back per cycle, or $300 a year — not bad for a card with $0 annual fee.
This card offers several eligible categories for 5% cash back each billing cycle. In addition to gas, these categories include restaurants, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment. (It also earns 4% on hotels, rental cars, and attractions booked through Citi Travel.)
Remember, you'll only earn 5% on one of these categories and just 1% back on everything else, so this card earns the most when used exclusively on the expense that costs you closest to $500 a month or for eligible Citi Travel bookings.
Best Gas Credit Card for Costco Shoppers
The Costco Anywhere Visa® Card by Citi is best for Costco loyalists who also fuel up their cars at this wholesale club.
The card earns 5% on gas at Costco, and 4% cash back on non-Costco gas and EV charging expenses worldwide, on up to $7,000 in combined purchases per year (then 1%).
There's no annual fee, but you need an active Costco membership to earn rewards. Cardholders only receive rewards once a year in February, in the form of a certificate you can redeem for cash back or merchandise at Costco.
Cardholders also earn 3% back on restaurant and eligible travel purchases worldwide, 2% back on all other purchases from Costco and costco.com, and 1% back on everything else.
Best Gas Credit Card for Single-Card Households
The U.S. Bank Altitude® Connect Visa Signature® Card is best for people who want a single credit card for daily expenses. It earns 4 points per dollar on the first $1,000 each quarter spent on gas and EV charging.
Each point is worth 1 cent toward cash back, travel, gift cards, or merchandise, so the U.S. Bank Altitude® Connect Visa Signature® Card effectively earns 4% back at gas stations.
Cardholders also earn 4 points per dollar on most travel; 5 points on prepaid hotels and rental cars booked through the Altitude Rewards Center; 2 points on dining, streaming, and groceries (excluding wholesale clubs); and 1 point per dollar on all other purchases.
The card comes with generous perks for a $0-annual-fee card including a Global Entry/ application fee credit, a zero-interest period for new cardholders, cellphone protection, four complimentary Priority Pass™ airport lounge visits per year, and several travel protection benefits.
Best Gas Card for Families
$0 intro for the first year, then $95
0% intro APR for 12 months on purchases and balance transfers from the date of account opening
20.24% - 29.24% variable
Earn a $250 statement credit
Good to Excellent
- Generous bonus rewards, especially at U.S. supermarkets
- One of a small handful of credit cards that offer bonus rewards on select streaming services
- Intro APR offer
- Unlike many other cash-back cards, it charges an annual fee
- If you spend more than $6,000 at US supermarkets each year, you'll want to use another card once you reach that cap
The Amex Blue Cash Preferred® is one of the best cash-back cards, particularly for consumers who spend a lot of money at U.S. supermarkets, use streaming services, or have lots of commuting and gas expenses. The annual fee is worth it if your typical spending lines up with the card's bonus categories.
Amex Blue Cash Preferred® Card- Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments with a fixed fee. 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.
- Low Intro APR: 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 20.24% - 29.24%.
- 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 at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
- 1% Cash Back on other purchases.
- 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.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
The Blue Cash Preferred® Card from American Express is great for families who commute and drive a lot and spend up to $500 a month on groceries and streaming services such as Netflix.
Cardholders earn 6% cash back on select U.S. streaming subscriptions and on U.S. supermarkets, on up to $6,000 a year in eligible purchases (then 1%). They also earn 3% cash back at U.S. gas stations and transit expenses such as buses, trains, rideshares, and parking.
The card has a $0 intro for the first year, then $95 annual fee (rates and fees), making it a no-brainer for families in Year 1. After that, families break even on the annual fee after spending $1,583 on groceries. If your family spends $6,000 a year on eligible grocery purchases, you'll earn $265 a year in cash back after paying the annual fee.
Best Gas Credit Card for Big Investors
This credit card rewards customers who bank at least $20,000 in savings or investments with Bank of America or Merrill.
Each month, Bank of America® Customized Cash Rewards Credit Cardholders earn 3% cash back on a single bonus category of their choice. Eligible bonus categories include gas and EV charging, online shopping, dining, travel, drugstores, and home improvement or furnishing stores.
Along with earning 3% back in your bonus category, you'll also earn 2% back at grocery stores and wholesale clubs, on up to $2,500 per quarter in combined spending between 3% and 2% categories (then 1%).
Bank of America Preferred Rewards loyalty program members earn additional bonuses on the Bank of America® Customized Cash Rewards Credit Card, depending on how much they invest with Bank of America.
Preferred Rewards members earn Gold status when they bank $20,000 to $49,999 in Bank of America or Merrill savings or investment accounts. Gold status comes with a 25% boost on credit card rewards, or up to 3.75% cash back on bonus-category expenses.
Platinum-tier customers with $50,000 up to $99,999 invested get a 50% boost for up to 4.5% cash back, while Platinum Honors ($100,000 to $999,999 invested) and Diamond ($1 million or more invested) members get 75% more, or up to 5.25% cash back on credit card rewards.
Best Gas Credit Card for Credit Union Fans
$0
0% balance transfers promo APR for 12 months made in the first 90 days after account opening, 3% fee applies to each transaction
17.99% APR on balance transfers, 17.99% Variable APR on purchases
Good to Excellent
- Strong rewards on gas and groceries
- Intro APR offer on balance transfers
- No annual fee or foreign transaction fees
- Must join PenFed credit union to apply for the card
- PenFed points aren't as valuable as some other bank rewards points
- No airline or hotel transfer partners
If you bank with PenFed credit union or are willing to join, this no-annual-fee card could be a great addition to your wallet. With up to 5x points earning in popular bonus categories, it's easy to earn lots of rewards fast — but keep in mind, points are often worth less than 1 cent apiece depending on how you redeem them.
PenFed Platinum Rewards Visa Signature® Card- Get Rewarded on Everyday Purchases
- 5x Points on gas paid at the pump and EV charging stations
- 3x Points at the supermarket (including most Target and Walmart locations), restaurants, and TV, radio, cable, streaming services
- 1x Points on all other purchases
- 15,000 Bonus Points when you spend $1,500 in first 90 days
- 0% Balance Transfers Promo APR for 12 months, 3% fee applies to each transaction. Subject to credit approval. 0% introductory APR for 12 months on balance transfers made in the first 90 days after account opening. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 17.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
- Annual Fee: $0
- Purchase Variable APR: 17.99%
- Refer to PenFed.org for Terms/Conditions
If you're willing to become a member of PenFed (short for Pentagon Federal) Credit Union, you can get the PenFed Platinum Rewards Visa Signature® Card, which earns a whopping 5 points per dollar on gas and EV charging. You don't have to have any military affiliation to join PenFed.
This card also earns an unlimited 3 points per dollar at supermarkets and restaurants, and on TV, radio, cable, and streaming services, plus 1 point per dollar on all other purchases.
Its primary drawback is that redeeming rewards isn't straightforward: The value of your points varies depending on what you use them for — travel, gift cards, or merchandise — and there's no option to use points for cash back.
Gemini Credit Card®: Best Gas Credit Card for Crypto Investors
$0
N/A
17.24% - 29.24% variable
Earn $200 in crypto
Good to Excellent
- No annual fee
- Generous rewards on gas and dining
- No foreign transaction fees
- Rewards are limited to a single cryptocurrency of your choice (from a list of options including bitcoin and ether)
- Crypto is more volatile than cash back or travel rewards
- Cannot pay off outstanding balances with crypto rewards
The Gemini Credit Card is best for risk-tolerant investors who want to earn bitcoin and other cryptocurrency from everyday expenses like gas, dining, and groceries. This card doesn't charge annual fees or foreign transaction fees, and cardholders can add authorized users at no additional cost.
Gemini Card- Rewards with the power to grow
- Invest as you spend
- Instant crypto rewards
- No annual fee and no foreign transaction fees
- You can earn bitcoin, ethereum, or 50+ other cryptos available on Gemini
- Easily change the crypto you want to earn back, as often as you want
The Gemini Card is ideal for people bullish on investing in cryptocurrency. Cardholders can earn instant rewards in the digital currency of choice from dozens of popular options including bitcoin and ether.
This sleek metal Mastercard earns 4% back on gas and EV charging (up to $200 per month, then 1%), 3% back on dining, 2% on groceries, and 1% on everything else, making it easy to rack up returns from everyday expenses. The card doesn't have an annual fee or charge foreign transaction fees.
But this card recommendation comes with several caveats, including warnings galore on Reddit from current Gemini Card customers.
Crypto is notoriously volatile, so the value of your rewards will be significantly less predictable than straight cash back or even travel rewards. Gemini rewards cannot be used to pay off your credit card statement balance, and cardholders may incur fees when selling or converting their rewards.
Many cardholders also complain that their cards are often declined for various reasons, while others say the Gemini mobile app can be slow to note real-time activity such as new transactions or balance payments. Gemini customer service also gets mixed reviews, with some Redditors calling it "an awful experience" for unresponsive support.
To sum up the Gemini Card experience — and crypto investing overall — in one Reddit cardholder's words: "Use at your own risk."
Specific Credit Cards for Gas vs. General-Use Credit Cards
When shopping for a good credit card for gas purchases, focus on options that earn bonus rewards across a number of household expenses. This allows you to maximize your potential earnings across a diverse range of spending.
The best credit cards for gas and EV charging are general-use cards that earn rewards on several categories of everyday expenses such as groceries, household goods, drugstores, and transit.
We recommend avoiding co-branded credit cards offered by gas companies such as Shell or Chevron since gas comprises a relatively small portion of most budgets. Instead, focus on a card that earns between 2% to 5% back per dollar spent on gas or EV charging at any station.
Discounts on Gas at Costco and Sam's Club
Many credit cards do not earn bonus rewards on purchases made at wholesale centers like Costco and Sam's Club. If you exclusively fuel up at one of these places, make sure you find a credit card that still earns bonus points here. For example, the Costco Anywhere Visa® Card by Citi earns 5% back on Costco gas and EV charging on the first $7,000 per year.
Why You Should Trust Us: How We Chose the Best Credit Cards for Gas
Business Insider's credit cards team evaluated dozens of the best gas credit cards based on their merits and drawbacks. Our considerations include:
- Simplicity — Does the card make it easy to redeem rewards, and have a rewards program that's easy to understand?
- Earning potential — Does the card earn generous rewards on gas, and are there other bonus categories that line up with everyday spending habits?
- Welcome bonus — Credit cards that offer a sign-up bonus or other incentives are more appealing, especially if they don't charge an annual fee.
- Options for different types of consumers — We included cards that are geared to all kinds of users, from products that earn travel points and cash-back to credit cards that earn rewards for electric vehicle charging.
View our page on how we rate credit cards to learn more about how Business Insider rates and reviews products.
FAQs
What is the best gas credit card with no annual fee?
The U.S. Bank Altitude® Connect Visa Signature® Card is one of the best gas credit cards with no annual fee. It earns 4 points per dollar on gas and EV charging, on up to the first $1,000 per quarter. As a general rule, the best credit cards for gas should earn at least 3% back per dollar spent on gas and EV charging.
Does Costco gas take credit cards?
Yes, Costco gas stations accept Visa credit cards like the Costco Anywhere Visa® Card by Citi, PenFed Platinum Rewards Visa Signature® Card, and the U.S. Bank Altitude® Go Visa Signature® Card .
What credit card has 5% on gas?
The Citi Custom Cash℠ Card earns 5% back on eligible gas and EV charging purchases on up to $500 per billing cycle (then 1%) when gas and EV charges are your highest expense category in that billing cycle.
Can I earn crypto for buying gas on a credit card?
Yes, you can earn bitcoin, ether, and other cryptocurrencies with Gemini Credit Card®, which earns 4% rewards on eligible gas and EV charging expenses.
For rates and fees of the U.S. Bank Altitude® Connect Visa Signature® Card, please click here.
For rates and fees of the Blue Cash Preferred® Card from American Express, please click here.
Gemini Credit Card Disclosure: Trading crypto involves risks, and credit card recommendations are not investing advice. Past performance is no guarantee of future results.
