The best credit card for gas
On fill-ups, Chase Sapphire Preferred earns the most: $6.00 per $100, $1.00 more than the next card.
Rate × what the points are worth, so points and cash back compare in dollars. Counts as: Fuel pumps and gas station convenience stores.
The short version
- Earns the most: Chase Sapphire Preferred, $6.00 per $100, with a $95 annual fee.
- Best with no annual fee: Sam's Club Mastercard, $5.00 per $100.
- Is the fee worth it? Only if you spend over $9,500 a year on gas, counting this category alone. Below that, the free card wins.
| # | Card | EarnsThe rate the card advertises here, in its own currency: cash back, points or miles. | Point valueWhat one point or mile in this currency is worth, in cents: the median of the published valuations we read. Every ranking multiplies by it. | Per $100What $100 of spending earns, in dollars: the rate multiplied by what the currency is worth. This is what the table is ranked by. |
|---|---|---|---|---|
| 1 |
Sapphire Preferred
Chase, $95/yr
Gas and EV charging
|
3x | 2.00¢ / pt | $6.00 |
| 2 |
Sam's Club Mastercard
Sam's Club / Synchrony, No annual fee
Any gas station, first $6,000 a year. Up to $6,000 per year, then the base rate
|
5% | 1.00¢ / pt | $5.00 |
| 3 |
Strata Premier
Citi, $95/yr
|
3x | 1.60¢ / pt | $4.80 |
| 4 |
Autograph
Wells Fargo, No annual fee
|
3x | 1.50¢ / pt | $4.50 |
| 5 |
Altitude Connect
U.S. Bank, No annual fee
Gas stations and EV charging, first $1,000 each quarter. Up to $1,000 per quarter, then the base rate
|
4% | 1.00¢ / pt | $4.00 |
| 6 |
Blue Business Plus
American Express, No annual fee
2x on every purchase, with no bonus categories to track. Up to $50,000 per year, then the base rate
|
2x | 2.00¢ / pt | $4.00 |
| 7 |
Costco Anywhere Visa
Citi, No annual fee
Other gas and EV charging — shares the $7,000/year cap. Up to $7,000 per year, then the base rate
|
4% | 1.00¢ / pt | $4.00 |
| 8 |
Costco Anywhere Visa Business
Citi, No annual fee
Other gas and EV charging — shares the $7,000/year cap. Up to $7,000 per year, then the base rate
|
4% | 1.00¢ / pt | $4.00 |
Cards that pay more only some of the year
Freedom and Freedom Flex and Discover it Cash Back pay a bonus on gas only in quarters the issuer picks it, and only after you activate it. Not ranked above, since you may not have that rate this quarter.
Cards that pay more here with a condition attached
Not ranked above because each needs a chosen category or a specific store. If that fits how you shop, these can beat the table.
- Custom Cash (Citi) — 5x if you choose Gas Stations as your category; Up to $500 per billing cycle, then the base rate.
- Customized Cash Rewards (Bank of America) — 3% if you choose Gas Stations as your category; Up to $2,500 per quarter, then the base rate.
- Costco Anywhere Visa (Citi) — 5% only at Costco Gas; Up to $7,000 per year, then the base rate.
- World of Hyatt Business Card (Chase) — 2x if you choose Gas Stations as one of your categories.
- Business Gold Card (American Express) — 4x if you choose Gas Stations as one of your categories; Up to $150,000 per year, then the base rate.
- Costco Anywhere Visa Business (Citi) — 5% only at Costco Gas; Up to $7,000 per year, then the base rate.
- Business Advantage Customized Cash Rewards (Bank of America) — 3% if you choose Gas Stations as your category; Up to $50,000 per year, then the base rate.
How to use this list
- Check the store codes as gas. Issuers pay by how the store is registered, not by what you bought. This page counts: Fuel pumps and gas station convenience stores.
- Start with cards you have. Your highest one in the table is your card for fill-ups today.
- Read the notes under each card. A cap or "US only" can change the answer.
- Then consider a new card, judged on your whole year of spending.
Why dollars and not multipliers
A multiplier means nothing until you know what a point is worth. Every rate here is converted at a published valuation first, which is why the order can differ from the advertised multipliers.
Point values: published industry valuations, most recently read 2026-09. We track The Points Guy, Upgraded Points, NerdWallet, Frequent Miler and AwardWallet.