Best Credit Cards for Gas Stations 2026
The average American spends ~$2,100/year on gas. Using a card that earns 5% vs a flat 1% card means the difference between $105 and $21 back per year. For commuters spending $300+/month, picking the right gas card is a simple win worth $100+ per year.
Discover it® Cash Back
No annual fee · On $175/mo gas: $105/yr net
Blue Cash Preferred® Card
$95/yr · On $175/mo gas: -$32/yr net
Wells Fargo Autograph℠ Card
No annual fee · On $175/mo gas: $63/yr net
Chase Sapphire Reserve®
$550/yr · On $175/mo gas: -$471/yr net
Citi Strata Premier℠ Card
$95/yr · On $175/mo gas: -$32/yr net
Chase Sapphire Preferred®
$95/yr · On $175/mo gas: -$43/yr net
Gas card tips
Does Costco gas count?
Most reward cards exclude Costco gas pumps since Costco is coded as a warehouse club, not a gas station. Use a flat-rate cashback card at Costco.
Do EV charging stations count as gas?
Increasingly yes — Chase, Citi, and Wells Fargo have updated their bonus category definitions to include EV charging. Amex cards typically do not include EV charging in the gas category.
Best strategy for high gas spenders
The Amex Blue Cash Preferred earns 3% on gas with no cap. For $300+/month drivers, this earns $108/year on gas alone, helping offset its $95 fee.