Home › Best card by category › gas

Best card by category

Best credit card for gas

Gas bonuses are common, but where they apply and how much you can spend varies by card. Today the top-ranked card for gas stations and EV charging is the Chase Sapphire Preferred at 5.4% effective value, and the best with no annual fee is the Comenity AAA Travel Advantage at 5%.

Rates last reviewed between August 4, 2026 and September 27, 2026. Data published October 22, 2026.

Cards with a bonus on gas

#CardEarnsEffective valueAnnual feeDetails
1 Chase Sapphire PreferredVisa 3x points 5.4% $95
2 Comenity AAA Travel AdvantageVisa 5% cash back 5% $0
  • Maximum $350 cash back per calendar year on the 5% category (approx. $7,000 in spend), then 1% thereafter.
3 PenFed Credit Union Platinum RewardsVisa 5x points 5% $0
  • 5x points at the pump on gas and EV charging.
4 Citi AT&T Points PlusMastercard 3x points 4.8% $0
5 Citi StrataMastercard 3x points 4.8% $0
  • Select transit and gas & EV charging stations.
6 Citi Strata PremierMastercard 3x points 4.8% $95
7 Costco Anywhere Visa® Card by CitiVisa 4% cash back 4% $0
  • 4% on other eligible gas and EV charging (outside Costco). Shares a combined $7,000/year cap with the 5% Costco gas rat…
8 Synchrony Verizon VisaVisa 4% cash back 4% $0
  • Earned as Verizon Dollars. No cap on earnings.
9 U.S. Bank Altitude ConnectVisa 4x points 4% $0
  • First $1,000 in combined gas station and EV charging purchases each quarter, then 1X. Excludes discount stores/supercen…
10 WebBank GeminiMastercard 4% cash back 4% $0
  • 4% back on gas, EV charging, transit, taxis, and rideshare on up to $300 in combined spend per month, then 1% for the r…

For comparison: the best flat-rate cards

These pay the same rate on everything, so they set the bar a bonus card has to beat.

#CardEarnsEffective valueAnnual feeDetails
1 Coastal Community Bank Robinhood Gold CardVisa 3% cash back 3% $0
  • Flat rate on all purchases
2 Alliant Credit Union Alliant Visa® Signature CardVisa 2.5% cash back 2.5% $0
  • Flat rate on all purchases
3 Citi Strata EliteMastercard 1.5x points 2.4% $595
  • Flat rate on all purchases
4 Capital One Venture RewardsVisa 2x miles 2.4% $95
  • Flat rate on all purchases
5 Capital One Venture XVisa 2x miles 2.4% $395
  • Flat rate on all purchases

Effective value is the headline rate times what a point or mile is worth, before annual fees. Points and miles are valued at: Chase 1.8¢, PenFed Credit Union 1¢, Citi 1.6¢, U.S. Bank 1¢, Capital One 1.2¢. Cash back counts at face value. Personal cards only; sign-up bonuses, statement credits and other perks are not counted.

What usually counts

  • Gas stations; many cards also include EV charging.

Watch out for

  • Fuel bought at a warehouse club or a supermarket can be coded differently and miss the bonus.
  • Some cards limit the bonus to fuel only, not the convenience store inside the station.

Which of your cards wins?

The best card in the world is the best card you actually own. Add your cards to PointMaxxer and see which one to use for gas, and every other purchase, in a second. Free, no sign-up, no bank login.

Open the web app

More guides