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The best way to maximize your credit card rewards is by choosing a card that gives you bonus points in the categories where you spend most, such as supermarkets, restaurants, and other non-bonused ones.
This post will discuss the top credit cards for gas station purchases. This is not a consistent expense, but it's still a significant one. Everyone needs to eat but not everyone must buy gas.
This bonus category could be very valuable if you drive a car to commute to work every day. This bonus category is less valuable if you rely on public transport, ridesharing or have an electric car.
Many credit cards offer great bonuses on gas station purchases.
I will only consider cards that earn at least 2% back in all cases (or the equivalent based on my point valuation).
What is considered gas station spending?
Before we talk about the best cards to buy gas stations, it is important to discuss what gas station spending means.
Credit cards generally only allow you to purchase gas at standalone stations. Unless otherwise stated, buying gas from warehouse clubs won't usually earn you bonus points.
In general, both gas station purchases and gas station purchases will be eligible for bonus points
It all boils down to the way a merchant categorizes themselves.
August 2021: Best Personal Cards for Gas Stations
There are many preferences in how rewards for credit card purchases should be earned. Some prefer to receive travel rewards that can be used towards their next adventure. Others prefer to get cash back which they can redeem however and whenever they like.
What are the best personal credit card options for gas station purchases?
Reward for gas station spending - 3x ThankYou Points (which I value at 5.1%).
Annual card fee: $95
Another thing to remember: Citi Premier offers incredible bonus categories and the ability to earn 3x points at gas stations around the world with no foreign transaction fees.
Review: Check out a review on the Citi Premier Card
Reward for U.S. gasoline station spending: 3x Membership Rewards points (which is worth 5.1%)
Annual card fee: $95
You should also be aware that this card does not offer bonus points on purchases at U.S. stations. The card offers 2x points at stations. However, if you make at least 30 transactions per billing cycle, you will earn a 50% bonus. For a total of 3x points
Review: Check out a review on the Amex EveryDay Prreferred Card
Gas station spending rewards: Get 4% cash back for the first $7,000 you spend every year at gas stations and 1% thereafter
Annual card fee: $0 (with Costco membership).
Additional information: The card gives you 4% back on gas purchases worldwide, including at Costco
Gas station spend reward: 2x ThankYou Points (which I value at 3.4%).
Annual card fee: $0
You should also be aware that this card is a great option without an annual fee, but you will only earn a return of $6,000 the first year. After that, you'll earn 1x points. These rewards can be combined with Citi ThankYou points to transfer to your partners.
Review: See a review on the Citi Rewards+ Card
Reward for U.S. gasoline station spending: 6x Hilton Honors points (which i value at 3%)
Annual card fee $95 (Rates and Fees).
You should also be aware that this is one of America's best hotel credit cards. This card allows you to earn bonus points without any limits.
Review: Check out a review on the Amex Surpass Card
Gas station spend reward: 2x Avianca LifeMiles (which i value at 2.8%)
Annual card fee: $149
Additional information: The card gives you 2x miles at grocery stores and gas stations
1.5x Points for gas station purchases (which I value at 2.55%).
Annual card fee: $0
You should also be aware that this card earns 1.5x points for every dollar spent on all purchases. These points can be converted to Ultimate Rewards points if it is used in conjunction with the Chase Sapphire Reserve Card, Chase Sapphire Preferred Card or Ink Business Preferred Card
Review: See a Chase Freedom Unlimited review
Gas station spend reward: 2x Venture miles (which i value at 2.55%).
Annual card fee: $95
Additional information: The card earns 2x Venture points on all purchases. These can be used to either redeem for travel expenses or transferred to airline partners at a ratio up to 1:1.
Review: Check out a review on the Capital One Venture Card
Gas station spending reward: 1% + 11%
Annual card fee: $0
You should also be aware that this card does not offer bonus points for gas stations. However, it offers 1% cashback when you purchase a product and 1% cashback when you pay for it. The best part is that rewards earned with the card can be converted to Citi ThankYou points.
Review: See a review on the Citi Double Cash Card
Reward for U.S. Gas Station Spending: 3%
Annual card fee: $0 for the first year. After that, $95. (Rates and Fees)
You should also know that this card gives 3% cashback on purchases made at U.S. gasoline stations
Review: Check out a review on the Blue Cash Preferred Card
Gas station purchases are eligible for a reward: Variable
Annual card fee: $0
You should also be aware that this card gives you 5x points for every $500 you spend on the card. Gas stations are one of these categories. This means you can earn 5x points on purchases at gas stations and you can combine it with Citi ThankYou points you have earned on other cards.
Review: See a review of Citi Custom Cash Card
Gas station spending rewards: Get 3% cash back in any of your categories. Gas is one of them.
Annual card fee: $0
Another thing to remember: Gas must be selected as the category where you wish to earn 3% cashback, and your quarterly cap is $2,500
Gas station purchases are eligible for a reward: Variable
Annual card fee: $0
You should also be aware that this card can earn 5x points for rotating quarterly categories and 5x points when you spend at gas stations.
Review: See a review about the Chase Freedom Flex
Gas station purchases earn you up to 5x points
Best business cards to use at gas stations in August 2021
There are many great personal credit cards available for gas station purchases, as you can see. A business card that offers bonuses on gas stations is also a great option, especially if you have a lot of expenses.
Which are the best gas station credit cards?
4x Membership Rewards points for U.S. gas station purchases (which I value at 6.8%).
Annual card fee $295 (Rates and Fees).
You should also be aware that this card gives you 4x points for the two most important categories, up to $150,000 annually. Gas stations are one of those bonus categories.
Review: Check out this review about the Amex Business Gold Card
Gas station spending rewards: Get 4% cash back for the first $7,000 you spend every year at gas stations and 1% thereafter
Annual card fee: $0 (with Costco membership).
Additional information: The card gives you 4% back on gas purchases worldwide, including at Costco
Gas station spending reward: 2x points (which i value at 3.4%)
Annual card fee: $0
You should also be aware that this card earns 2x points for every dollar spent at gas stations (up to $25,000 per year) and can be converted into Ultimate Reward points if it is used in conjunction with the Chase Sapphire Preferred Card or Chase Sapphire Reserve Card.
Review: Check out our review of the Ink Business Cash Card
2x Membership Rewards points for gas station purchases (which I value at 3.4%)
Annual card fee: $0 (Rates and Fees).
You should also be aware that the card offers 2x Membership Rewards points for every $50,000 spent each calendar year, and then 1x for every $50,000 thereafter.
Review: Check out a review on the Blue Business Plus Card
Rewards for U.S. Gas Station Spending: 4x Marriott Bonvoy Points (which I value at 2.8%).
Annual card fee $125 (Rates and Fees).
Another thing to remember: This card is the best for U.S. gasoline station purchases
Review: See a review about the Marriott Bonvoy Business amex
Gas station spending is rewarded with 2x American Advantage miles (which I value as 3%)
Annual card fee: $99 waived for the first year
Another thing to remember: This is one the best airline cards for buying gas stations
Review: See a review of CitiBusiness AAdvantage platinum card
Reward for gas station spending - 2x United MileagePlus Miles (which I value at 2.8%).
Annual card fee: $99
Another thing to remember: This is one the best airline cards for buying gas stations
Review: See a review of United Business Card
You can also get great gas cards from business to help you spend your money.
Bottom line
There are many credit cards that can maximize gas station rewards. This is true regardless of whether you are looking for a business or personal card, whether you want to earn travel rewards or cash back, or if you're looking for a premium or no-annual fee card.
Which card do you use for gas station purchases
These links will take you to the fees and rates for American Express Cards. These are: American Express Business Gold (Rates and Fees), American Express Blue Cash Preferred Card (Rates and Fees), American Express Blue Business Plus Credit card (Rates&Fees), Marriott Bonvoy Business American Express Cards (Rates&Fees) and Hilton Honors American Express Surpass Cards (Rates&Fees).
