Best Gas Credit Cards 2024: Let’s explore some of the best gas credit cards for 2024 to help you maximize your savings at the pump. Whether you’re a frequent commuter, have a vehicle with low MPG, or simply want to cut down on fuel costs, these cards can be beneficial. Here are some top options:
Chase Freedom Unlimited®:
Why we like it: This card offers a solid flat-rate earnings structure with a 1.5% cash back. While this may not seem impressive initially, when combined with other Chase rewards cards, it becomes more valuable. Use it for everyday expenses and maximize your rewards.
- New cardholders can enjoy an enticing welcome offer with the Chase Freedom Unlimited®, earning an additional 1.5% cash back on all purchases, up to $20,000 spent in the first year, potentially worth up to $300 in cash back. This translates to an impressive rewards rate, including 6.5% cash back on travel booked through Chase Ultimate Rewards®, 4.5% cash back on dining and drugstore purchases, and 3% cash back on all other purchases during the introductory period.
- After reaching the $20,000 spending threshold or the first year, the rewards structure adjusts slightly, offering 5% cash back on Chase Ultimate Rewards® travel purchases, 3% cash back on dining and drugstore purchases, and 1.5% cash back on all other purchases.
- Moreover, new cardholders can take advantage of an exclusive offer of 5% cash back at gas stations and grocery stores on up to $12,000 in purchases within the first year (excluding Walmart and Target). Notably, cash back rewards on the Chase Freedom Unlimited® do not expire, offering flexibility in their redemption.
- Additional benefits of the Chase Freedom Unlimited® include a 0% Intro APR on Purchases for 15 months and a 0% Intro APR on Balance Transfers for 15 months, alongside a $0 annual fee.
PenFed Platinum Rewards Visa Signature® Card:
Best overall: This card provides excellent gas rewards and more. Consider it if you want a versatile card that covers various spending categories.
Earn rewards on your everyday purchases with our latest offer:
- Earn 5x Points on gas purchases made at the pump and at EV charging stations.
- Get 3x Points at supermarkets (including most Target and Walmart locations), restaurants, and for TV, radio, cable, and streaming services.
- Earn 1x Points on all other purchases.
Plus, receive a generous bonus of 15,000 Points when you spend $1,500 within the first 90 days of opening your account.
Take advantage of our 0% Balance Transfer Promo APR for 12 months, with a 3% fee applied to each transaction. This offer is subject to credit approval. Enjoy a 0% introductory APR for 12 months on balance transfers made within the first 90 days after opening your account. After that, the APR for any remaining balance and new balance transfers will be a fixed rate of 17.99%. A 3% balance transfer fee is applicable to each transfer. Please note that if you utilize this balance transfer offer, interest will be charged immediately on all purchases unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
With an annual fee of $0 and a purchase variable APR of 17.99%, this offer provides exceptional value.
For further details, please refer to PenFed.org for the complete Terms and Conditions.
Citi Custom Cash® Card:
Best for rotating categories: With up to 5% cash back, this card adapts to your changing spending patterns. It’s great for gas and other purchases.
- Receive $200 cash back after spending $1,500 on purchases within the first 6 months of opening your account. This bonus offer will be granted as 20,000 ThankYou® Points, which are redeemable for $200 cash back.
- Benefit from a 0% introductory APR on both balance transfers and purchases for the initial 15 months. Following this period, the variable APR will range between 19.24% to 29.24%, depending on your creditworthiness.
- Earn 5% cash back on purchases within your highest eligible spending category each billing cycle, up to the first $500 spent, with 1% cash back thereafter. Additionally, enjoy unlimited 1% cash back on all other purchases.
- There are no rotating bonus categories to sign up for. As your spending habits evolve each billing cycle, your earnings adjust automatically when you spend in any of the eligible categories.
- This card comes with no annual fee.
- Please note that Citi will issue only one Citi Custom Cash® Card account per person.
Blue Cash Preferred® Card from American Express:
Best for groceries and gas stations: Earn cash back on gas station purchases along with other benefits like grocery rewards.
- Earn a $250 statement credit after spending $3,000 on purchases with your new Card within the first 6 months.
- Enjoy a $0 intro annual fee for the first year, followed by $95 annually.
- Buy Now, Pay Later: Benefit from $0 intro plan fees when utilizing Plan It® to divide significant purchases into monthly installments. Pay $0 intro plan fees on plans created within the initial 12 months from account opening. Plans established afterward will incur a monthly plan fee of up to 1.33% of each eligible purchase amount moved into a plan, determined by the plan duration, the applicable APR, and other factors.
- Low Intro APR: Experience 0% APR on purchases and balance transfers for 12 months from account opening. Following this period, your APR will become a variable APR ranging from 19.24% to 29.99%. Variable APRs will not exceed 29.99%.
- Earn 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- Receive 6% Cash Back on select U.S. streaming subscriptions.
- Get 3% Cash Back at U.S. gas stations.
- Enjoy 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses, and more).
- Earn 1% Cash Back on other purchases.
- Cash Back is provided in the form of Reward Dollars, redeemable as a statement credit or at Amazon.com checkout.
- Receive up to $120 in statement credits annually when paying for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment is required.
- Considering the Disney Bundle, which may include Disney+, Hulu, and ESPN+? Simplify your decision with $7/month back as a statement credit after spending $9.99 or more each month on an eligible subscription (subject to auto-renewal) with your Blue Cash Preferred® Card. Enrollment is required.
PNC Cash Rewards® Visa®:
Best for dining out and gas stations: If you frequently dine out and fill up at the pump, this card offers rewards in both categories.
Best Features PNC Cash Rewards® Visa® 2024
Here’s the rewritten version:
Beneficial rewards potential: With the PNC Cash Rewards® Visa® Credit Card, you can earn 4% cash back on gas, 3% cash back on dining, 2% cash back on groceries, and 1% cash back on all other purchases. These enhanced earning rates apply to the first $8,000 in combined bonus category purchases annually.
Zero percent introductory APR on balance transfers for 12 billing cycles: Cardholders receive a 12 billing cycle 0% introductory APR on balance transfers completed within 90 days of opening the account. Following this period, the APR on both purchases and balance transfers ranges from 18.74% to 29.74%. A balance transfer fee of 3% or $5, whichever is greater, applies to transfers made within 90 days of account opening. Subsequently, the balance transfer fee increases to 4% or $5, whichever is greater.
No annual fee: This card carries no annual fee.
Drawbacks: Absence of APR promotion on new purchases: Although the card provides a 12 billing cycle 0% introductory APR exclusively for balance transfers, the standard APR for purchases ranges from 18.74% to 29.74%.
Maximizing Rewards:The PNC Cash Rewards® Visa® Credit Card offers rewards for everyday spending. Earn 4% cash back on gas, 3% cash back on dining, 2% cash back on groceries, and 1% cash back on all other purchases. These bonus earning rates apply to the first $8,000 in combined bonus category purchases annually.
Discover it® Cash Back:
Best for strategic quarterly use: Discover’s rotating cash back categories can include gas stations during certain quarters. Keep an eye on their calendar for optimal usage.
Introductory Offer:
Discover offers an Unlimited Cashback Match for all new cardmembers. This means Discover will automatically match all the cash back you earn at the end of your first year, with no minimum spending or maximum rewards. For instance, turning $150 cash back into $300 is possible.
Cashback Rewards:
Earn 5% cash back on everyday purchases at various locations you shop at each quarter, such as grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Additionally, automatically earn unlimited 1% cash back on all other purchases.
Redemption Options:
You can redeem your rewards for cash at any time.
Online Privacy Protection:
Discover can assist you in reducing the exposure of your personal information online by helping you remove it from select people-search sites that may sell your data. This service is free and can be activated through the mobile app.
Introductory APR:
Enjoy a 0% introductory APR for 15 months on purchases. Afterward, a Standard Variable Purchase APR of 17.24% to 28.24% applies, based on creditworthiness.
No Annual Fee:
There is no annual fee for this card.
Citi Premier® Card:
Best for transferable points: While not exclusively a gas card, it offers transferable points that can be used for travel, including gas-related expenses.