Best Gas Credit Cards of March 2023

Hilton Honors American Express Card

• Why this is one of the best gas credit cards: Rack up points not only when you fill up your tank, but also when you pay for certain Hilton purchases.
• The top features: Earn seven points per dollar on eligible Hilton purchases; five points per dollar at U.S. gas stations, U.S. supermarkets and U.S. restaurants, including takeout and delivery; and three points per dollar on all other eligible purchases. Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 04/05/2023. Cardholders benefit from Hilton Honors Silver status and pay no annual fee. 
• Another card to consider: The Hilton Honors American Express Surpass Card offers 12 points per dollar for eligible Hilton hotel or resort purchases; six points per dollar for eligible purchases at U.S. restaurants, U.S. supermarkets and U.S. gas stations; and three points per dollar for all other eligible purchases. Earn 130,000 bonus points after making $2,000 in eligible purchases in the first three months, plus get Hilton Honors Gold status for the card’s $95 annual fee.

See our full review.

Ink Business Cash® Credit Card

• Why this is one of the best gas credit cards: This card has great earning potential with no annual fee and cash back on office supplies and other expenses.
• The top features: Cardholders get 5% cash back on the first $25,000 of combined purchases at office supply stores and on internet, cable and phone services each year; 2% back on the first $25,000 of combined purchases at gas stations and restaurants each year; and 1% back on all other purchases. The card provides a 0% intro APR on purchases for 12 months and a $900 cash back bonus after you spend $6,000 in the first three months. 
• Another card to consider: American Express Blue Business Cash Card earns 2% cash back on all eligible purchases up to the first $50,000 spent annually and then 1% back after that. This card comes with no annual fee, a $250 statement credit after you spend $3,000 in the first three months, plus a 12-month 0% introductory APR, on purchases, then a 17.74% – 25.74% Variable APR applies.

See our full review.

Blue Cash Preferred® Card from American Express

• Why this is one of the best gas credit cards: This U.S. News Annual Credit Cards Awards winner of 2023 delivers valuable earnings on essential purchases.
• The top features: The rewards rate is 6% cash back at U.S. supermarkets on up to $6,000 annually and then 1% thereafter; 6% back on select U.S. streaming subscriptions; 3% back at U.S. gas stations and on transit purchases such as trains, buses and tolls; and 1% back on other purchases. Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. 
• Another card to consider: Discover it chrome offers 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases quarterly and unlimited 1% cash back on all other purchases. The card also has a 15-month 0% introductory APR on purchases and balance transfers, and Discover it chrome will match all of the cash back you’ve earned at the end of the first year.

See our full review.

Blue Cash Everyday® Card from American Express

• Why this is one of the best gas credit cards: Cardholders get a respectable cash back rate at gas stations and U.S. supermarkets and on other useful purchases.
• The top features: Earn 3% cash back at U.S. gas stations on up to $6,000 annually and then 1% back; 3% back at U.S. supermarkets on up to $6,000 annually and then 1%; and 3% back on U.S. online retail purchases up to $6,000 annually and then 1%. This card with no annual fee has a 15-month 0% introductory annual percentage rate on purchases and balance transfers, after that, an ongoing 18.49% to 29.49% variable APR applies.
• Another card to consider: Discover it chrome offers 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases quarterly and unlimited 1% cash back on all other purchases. The card also has a 15-month 0% introductory APR on purchases and balance transfers, then a 16.49% – 27.49% Variable APR applies. Discover it chrome will match all of the cash back you’ve earned at the end of the first year.

See our full review.

Discover it® chrome

• Why this is one of the best gas credit cards: You’ll earn at a flat rate for combined purchases at gas stations and restaurants up to a quarterly limit.
• The top features: This card offers 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases quarterly and unlimited 1% cash back on all other purchases. Pay off a purchase without interest during the 15-month 0% introductory annual percentage rate period, then a 16.49% to 27.49% variable APR applies. You’ll skip the annual fee, and the issuer will match all of the cash back you’ve earned at the end of the first year.
• Another card to consider: The Blue Cash Preferred Card from American Express delivers 6% cash back at U.S. supermarkets on up to $6,000 annually and then 1%; 6% back on select U.S. streaming subscriptions; 3% back at U.S. gas stations and on transit purchases; and 1% back on other purchases. A 12-month 0% introductory APR is available on purchases from the date of account opening, then a variable rate, 18.49% to 29.49%. Plus, a $250 statement credit after you spend $3,000 on the card in the first six months. Pay no annual fee for the first year and then $95.

See our full review.

Citi Rewards+® Card

• Why this is one of the best gas credit cards: Cardholders pay no annual fee and earn double points at gas stations and supermarkets.
• The top features: This card provides two points per dollar at gas stations and supermarkets on up to $6,000 annually and then 1 point per dollar, plus 1 point per dollar on all other purchases. A 20,000-point sign-up bonus, redeemable for $200 in gift cards at thankyou.com, is available after you spend $1,500 on the card in the first three months. Cardholders get a 0% introductory annual percentage rate for 15 months on balance transfers from the date of first transfer and on purchases from the date of account opening. After that, the APR will be 17.99% to 27.99% (variable), based on your creditworthiness.
• Another card to consider: The Citi Premier Card earns three points per dollar at restaurants and supermarkets; three points per dollar at gas stations and on air travel and hotels; and one point per dollar on all other purchases. Receive 60,000 bonus points, redeemable for $600 in gift cards at thankyou.com, after spending $4,000 on the card in the first three months. Cardholders pay a $0 annual fee.

See our full review.

Chase Freedom Unlimited®

• Why this is one of the best gas credit cards: This U.S. News Annual Credit Cards Awards winner of 2023 earns cash back on travel, dining and drugstore purchases, and bonus cash back for new cardholders.  
• The top features: Earn 5% cash back on travel purchases through Chase Ultimate Rewards; 3% back on dining, including takeout and eligible delivery services, and drugstore purchases; and 1.5% back on all other purchases. New cardholders get an extra 1.5% back on all spending up to $20,000 the first year, worth up to $300 cash back. The card provides a 15-month 0% introductory annual percentage rate on purchases and balance transfers, then a 19.49% to 28.24% variable applies.  
• Another card to consider: Chase Freedom Flex offers 5% cash back on up to $1,500 in combined quarterly purchases in bonus categories; 5% back on travel purchased through Chase Ultimate Rewards; 3% back on drugstore and dining purchases, including takeout and eligible delivery services; and unlimited 1% back on all other purchases. The card comes with a 15-month 0% introductory APR on purchases and balance transfers, plus a $200 bonus after you spend $500 in the first three months.

See our full review.

Costco Anywhere Visa® Card by Citi

• Why this is one of the best gas credit cards: Members of the warehouse club will get money back on their purchases, plus save on gas and electric vehicle charging and more. 
• The top features: Earn 4% back on eligible gas and EV charging purchases for the first $7,000 annually and then 1% thereafter; 3% back on restaurant and eligible travel purchases; 2% back on Costco and Costco.com purchases; and 1% back on all other purchases. This card offers neither a sign-up bonus nor an introductory 0% annual percentage rate, but cardholders receive an annual credit card reward certificate redeemable for cash or Costco merchandise. 
• Another card to consider: The Wells Fargo Active Cash Card could be a better choice if you prefer a flat-rate card. Earn unlimited 2% cash back on all purchases and a $200 cash rewards bonus after spending $1,000 on the card in the first three months. The card includes a 15-month 0% introductory APR on purchases and qualifying balance transfers made within 120 days.

See our full review.

Bank of America® Customized Cash Rewards credit card

• Why this is one of the best gas credit cards: Choose your own 3% cash back category, save at grocery stores and wholesale clubs, and increase your earnings if you’re a Preferred Rewards member. 
• The top features: Earn 3% cash back in the category of your choice, including gas; 2% back at grocery stores and wholesale clubs on up to $2,500 quarterly; and unlimited 1% back on all other purchases. Preferred Rewards members can earn 25% to 75% more cash back on every purchase. Cardholders get a 0% introductory annual percentage rate for 18 billing cycles on purchases and for balance transfers made in the first 60 days. A $200 online cash rewards bonus is available after you spend $1,000 on the card in the first 90 days.
• Another card to consider: The Citi Double Cash Card – 18 month BT offer gives you 2% cash back on every purchase. You’ll earn 1% back when you make a purchase and 1% as you pay it off. The card comes with an 18-month 0% introductory APR on balance transfers but offers no sign-up bonus.

See our full review.

Amazon Business Prime American Express Card

• Why this is one of the best gas credit cards: The U.S. News Annual Credit Cards Awards winner of 2023 allows you to choose between cash back or 90-day terms as rewards.
• The top features: Eligible Prime members receive a $125 Amazon gift card upon approval. Choose from 5% cash back or 90-day terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market with an eligible Prime membership; cardholders earn 5% back on the first $120,000 annually and then 1% thereafter. The card offers 2% back at U.S. restaurants, U.S. gas stations and on wireless telephone services purchased directly from U.S. service providers; and 1% back on other purchases. 
• Another card to consider: The Ink Business Preferred Credit Card earns three points per dollar on the first $150,000 spent on travel and select business categories annually and one point per dollar on all other purchases. Cardholders receive 100,000 bonus points, worth $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards, after spending $15,000 in the first three months.

See our full review.

• Offer savings on purchases with a single brand.
• Typically apply a discount between 3 cents and 10 cents per gallon at the pump or as a statement credit, according to American Express. The Shell Fuel Rewards Card from Citi, for example, reduces your price at participating Shell stations by 10 cents per gallon on up to 35 gallons each time you fill your gas tank.
• Earn bonus discounts, in some cases, for new cardholders.

• Give brand discounts but also let you spend anywhere the network is accepted.
• Allow more chances to earn rewards because you can use the card with many retailers.
• Provide easier approval than regular rewards credit cards if you have less-than-perfect credit.

• Usually charge lower interest rates than co-branded cards.
• Present potential for better benefits than co-branded gas cards.
• May deliver an additional rebate if the card has an introductory offer available to consumers who meet a spending requirement.

• Various reward options. General rewards cards that require good to excellent credit tend to offer 3% or 2% cash back on gas purchases. Cards that earn points may deliver as many as five points per dollar spent on gas. You may be able to redeem rewards for statement credits, bank deposits, gift cards, hotel stays, online shopping and more.
• Discounts on gas purchases. Many of the cards help you save money right at the pump. With a co-branded card, you’ll be able to get discounts while fueling up at specific stations.

• Cap on earnings. Some gas reward credit cards come with earning caps that limit the amount of bonus rewards you can earn in a year. Once you reach your limit, you’ll typically start getting only 1% back for gas purchases.
• High APR. Gas credit cards can have APRs that top 24%. You’ll need to pay your balance in full every month to avoid the high interest charge.

• Does the card charge an annual fee? Any fees will eat into the value of your rewards.
• How much can you earn in rewards? Does the card offer an introductory rewards rate, such as 10 cents back per gallon for the first 90 days and then 3 cents back after that?
• Will you have reward caps? Caps could be quarterly or yearly. Track your gas spending to see how any cap will affect your earnings. You can check the card’s terms and conditions or contact customer service for clarification on spending caps.
• Where can you earn rewards? Can you earn rewards only at one gas station or chain? Can you get rewards for purchases at restaurants, grocery stores and other retailers?
• Does the card offer an introductory APR? Can you get a 0% APR on purchases and balance transfers for at least a year and then a low interest rate when the offer expires?
• What are rewards worth? Is one point worth 1 cent, or less? Do you need to have a certain amount of rewards before you can redeem them? How can you redeem your rewards?
• Does the card have membership requirements? Will you have to join a credit union or warehouse club, for instance, to get the card? This can take time and money.

• Use an app. Using an app like GasBuddy can help you find cheap gas. Gas stations change their prices all the time, so this app will help you locate the station with the lowest price at the moment.
• Grocery store rewards. By signing up for a fuel points program at your nearby grocery store, you can save up to $1 a gallon.
• Pay cash. Some gas stations offer a lower price to those who pay with cash.
• Join a loyalty program. Take part in a fuel rewards program at your local gas station and save money when you make qualified purchases.