Top 10 Gas Credit Cards of 2025: Pros, Cons, and Key Features

Gas prices fluctuate, but one thing remains constant: fueling your car is a significant expense, especially if you drive frequently for work or leisure. With the right gas credit card, you can turn these everyday purchases into substantial savings, earning cash back, points, or other rewards every time you fill up. But not all gas credit cards are created equal. Some cards offer high rewards rates on gas, while others pair gas rewards with perks for dining, travel, or groceries.

Choosing the top gas credit card depends on your driving habits, spending patterns, and overall financial goals. Are you looking for a simple, flat-rate rewards card that maximizes every dollar you spend? Or do you prefer a card with rotating categories or multiple bonus categories that allow you to earn more in areas like dining or online shopping? Additionally, features like no annual fee, generous sign-up bonuses, and access to exclusive benefits can make a big difference in determining which card is right for you.

This blog dives into the top 10 gas credit cards of 2025, detailing their key features, rewards rates, and the pros and cons of each. Whether you’re a road warrior or someone who simply wants to make the most of their gas expenses, we’ve got you covered. By the end, you’ll have a clear understanding of which card best aligns with your needs, helping you save money and enjoy additional perks while managing your everyday spending.

The Top 10 Gas Credit Cards of 2025

1. Citi Custom Cash® Card

Intro Offer: Earn $200 cash back after spending $1,500 in the first three months
APR: 0% intro APR for 15 months on purchases and balance transfers; variable APR thereafter
Annual Fee: $0
Rewards Rate: 5% cash back on your top eligible spending category each billing cycle (up to $500 spent, then 1%)

Pros:

• High rewards rate on gas when it’s your top spending category
• No annual fee, keeping costs low
• Introductory 0% APR on purchases and balance transfers

Cons:

• Rewards on gas are capped at $500 per billing cycle
• Must actively manage spending to ensure gas remains the top category

2. Blue Cash Everyday® Card from American Express

Intro Offer: Earn $200 statement credit after spending $2,000 in the first six months
APR: 0% intro APR for 15 months on purchases and balance transfers; variable APR thereafter
Annual Fee: $0
Rewards Rate: 3% cash back at U.S. gas stations, U.S. supermarkets, and U.S. online retail purchases (up to $6,000 annually per category, then 1%); 1% on other purchases

Pros:

• No annual fee
• Solid cash back rates on gas and everyday categories
• Introductory APR offer adds flexibility

Cons:

• Annual cap on bonus categories

3. Wells Fargo Autograph℠ Card

Intro Offer: Earn 20,000 bonus points after spending $1,000 in the first three months
APR: 0% intro APR for 12 months on purchases; variable APR thereafter
Annual Fee: $0
Rewards Rate: 3X points on gas, restaurants, transit, travel, streaming services, and phone plans; 1X on other purchases

Pros:

• Multiple bonus categories, making it versatile for diverse spending habits
• No annual fee and a solid introductory offer
• Points can be redeemed for travel, statement credits, or gift cards

Cons:

• Rewards rate on gas is lower than some other cards
• Points redemption value may vary depending on how they’re used

4. Blue Cash Preferred® Card from American Express

Intro Offer: $250 statement credit after spending $3,000 in the first six months
APR: 0% intro APR for 12 months on purchases and balance transfers; variable APR thereafter
Annual Fee: $0 intro fee for the first year, then $95
Rewards Rate: 3% cash back at U.S. gas stations; 6% at U.S. supermarkets (up to $6,000 per year, then 1%); 6% on select U.S. streaming subscriptions

Pros:

• High cash back rates across multiple categories
• Introductory $0 annual fee makes it more accessible in the first year
• Excellent rewards for families or individuals with high grocery and streaming expenses

Cons:

• Annual fee applies after the first year
• Cash back on gas is lower compared to some competitors

5. Bank of America® Customized Cash Rewards Credit Card

Intro Offer: Earn $200 after spending $1,000 in the first 90 days
APR: 0% intro APR for 18 billing cycles on purchases and balance transfers; variable APR thereafter
Annual Fee: $0
Rewards Rate: 3% cash back in a category of your choice (including gas); 2% at grocery stores and wholesale clubs (up to $2,500 quarterly for combined purchases); 1% on all other purchases

Pros:

• Flexible 3% cash back category allows for customization
• No annual fee and a lengthy intro APR period
• Bonus rewards for Bank of America Preferred Rewards members

Cons:

• Quarterly cap on combined bonus categories
• Rewards rate on gas isn’t as high as dedicated gas cards

6. Chase Freedom Flex®

Intro Offer: Earn $200 after spending $500 in the first three months
APR: 0% intro APR for 15 months on purchases and balance transfers; variable APR thereafter
Annual Fee: $0
Rewards Rate: 5% cash back on rotating categories (up to $1,500 in combined purchases each quarter); 5% on travel through Chase Ultimate Rewards®; 3% on dining and drugstores; 1% on other purchases

Pros:

• High rewards potential when gas is a rotating category
• No annual fee
• Bonus categories cover a wide range of spending

Cons:

• Gas isn’t always a rotating category
• Requires quarterly activation to earn 5% back

7. PenFed Platinum Rewards Visa Signature® Card

Intro Offer: None
APR: Variable
Annual Fee: $0
Rewards Rate: 5X points on gas purchases; 3X on supermarkets; 1X on other purchases

Pros:

• High rewards rate on gas with no caps
• No annual fee
• Membership in PenFed Credit Union offers additional benefits

Cons:

• Requires PenFed Credit Union membership
• No introductory offer

8. Sam’s Club® Mastercard®

Intro Offer: None
APR: Variable
Annual Fee: $0 (Sam’s Club membership required)
Rewards Rate: 5% cash back on gas (up to $6,000 per year, then 1%); 3% on dining; 1% on other purchases

Pros:

• High cash back rate on gas
• Additional rewards on dining purchases
• No annual fee beyond Sam’s Club membership

Cons:

• Requires Sam’s Club membership
• Annual cap on gas rewards

9. Costco Anywhere Visa® Card by Citi

Intro Offer: None
APR: Variable
Annual Fee: $0 (Costco membership required)
Rewards Rate: 4% cash back on gas and EV charging (up to $7,000 annually, then 1%); 3% on dining and travel; 2% on Costco purchases

Pros:

• Strong rewards for gas, dining, and travel
• No annual fee beyond Costco membership
• High annual cap for gas rewards

Cons:

• Requires Costco membership
• Limited redemption options through Costco

10. U.S. Bank Altitude® Connect Visa Signature® Card

Intro Offer: Earn 50,000 points after spending $3,000 in the first 120 days
APR: Variable
Annual Fee: $0 for the first year, then $95
Rewards Rate: 4X points on gas and EV charging; 2X on groceries, dining, and streaming services

Pros:

• High rewards rate on gas and EV charging
• Introductory fee waiver for the first year
• Multiple bonus categories

Cons:

• Annual fee applies after the first year
• Points redemption value may vary

Final Thoughts On The Top 10 Gas Credit Cards of 2025

Gas credit cards are one of the best ways to save money on a recurring expense while also earning valuable rewards on your spending. Whether you’re a frequent traveler, daily commuter, or someone who simply wants to maximize their savings at the pump, there’s a gas credit card tailored to your needs. The cards on this list highlight the diversity of options available, catering to drivers who value cash back, travel rewards, or flexibility in their spending.

For those seeking high rewards on gas purchases without additional fees, the PenFed Platinum Rewards Visa Signature® Card and Citi Custom Cash® Card stand out. These cards offer exceptional value for gas purchases, especially for users who prefer cards with no annual fees. Similarly, cards like the Sam’s Club® Mastercard® and Costco Anywhere Visa® Card by Citi cater to members of these wholesale clubs, offering robust gas rewards and additional perks on dining and travel.

If you’re looking for versatility beyond gas rewards, options like the Blue Cash Preferred® Card from American Express and the Wells Fargo Autograph℠ Card shine with multiple bonus categories, such as groceries, streaming services, and dining. These cards are perfect for families or individuals who spend across a wide range of categories, providing comprehensive value beyond fuel savings.

The Chase Freedom Flex® and Bank of America® Customized Cash Rewards Credit Card are ideal for users who want flexibility in earning rewards. Chase Freedom Flex® offers rotating bonus categories that can include gas, while Bank of America allows you to choose gas as your top category, ensuring your card aligns with your spending habits. Additionally, their no-annual-fee structures make them cost-effective choices.

For drivers who prioritize electric vehicle charging alongside gas rewards, the U.S. Bank Altitude® Connect Visa Signature® Card is a top pick. Its focus on EV charging and high rewards rates make it a future-forward choice for eco-conscious drivers. Meanwhile, the Blue Cash Everyday® Card from American Express offers an excellent no-annual-fee alternative for drivers seeking steady cash back on gas and everyday purchases like groceries and online shopping.

Ultimately, the best gas credit card for you will depend on your financial goals, lifestyle, and how much you spend on fuel and other categories. Consider whether you prefer cash back, travel rewards, or membership perks, and evaluate whether an annual fee makes sense based on your spending. Additionally, be mindful of bonus caps and redemption options to maximize the value of your card.

With the right gas credit card, every trip to the pump becomes an opportunity to save or earn rewards that contribute to your financial goals. From cash back and points to flexibility and added perks, these cards ensure you get the most out of your fuel expenses. Choose the card that best fits your needs, use it responsibly, and watch as those rewards and savings add up—one tank at a time. Whether you’re saving for a vacation, reducing everyday expenses, or simply optimizing your budget, a gas rewards card can be a powerful tool in your wallet.