The best credit cards for gas.
Top US credit cards ranked by effective return on gas — multiplier × point value. Cards earning a baseline 1% return (or less) are excluded as uninteresting.
- 1
American Express Business Gold Card
American Express · $375/yr · Amex Membership Rewards
If among top 2 categories
Effective
8.00%
4x · 2.00¢/pt
- 2
Citi Custom Cash Card
Citi · $0/yr · Citi ThankYou Points
If top category
Effective
5.00%
5x · 1.00¢/pt
- 3
Costco Anywhere Visa Card by Citi
Citi · $0/yr · Cash Back
5% at Costco gas; 4% other gas/EV (up to $7K/yr combined, then 1%)
Effective
5.00%
5x · 1.00¢/pt
- 4
Discover it Cash Back
Discover · $0/yr · Cash Back
If rotating category that quarter
Effective
5.00%
5x · 1.00¢/pt
- 5
Citi Strata Premier Card
Citi · $95/yr · Citi ThankYou Points
Effective
4.80%
3x · 1.60¢/pt
- 6
Wyndham Rewards Earner Business Card
Barclays · $95/yr · Wyndham Rewards
Effective
4.50%
5x · 0.90¢/pt
- 7
Wyndham Rewards Earner Plus Card
Barclays · $75/yr · Wyndham Rewards
Effective
3.60%
4x · 0.90¢/pt
- 8
Blue Cash Preferred Card from American Express
American Express · $95/yr · Cash Back
US gas stations
Effective
3.00%
3x · 1.00¢/pt
- 9
Blue Cash Everyday Card from American Express
American Express · $0/yr · Cash Back
US gas stations, up to $6K/yr
Effective
3.00%
3x · 1.00¢/pt
- 10
Hilton Honors American Express Surpass Card
American Express · $150/yr · Hilton Honors
Effective
3.00%
6x · 0.50¢/pt
- 11
Wells Fargo Autograph Card
Wells Fargo · $0/yr · Wells Fargo Rewards
Effective
3.00%
3x · 1.00¢/pt
- 12
Bank of America Customized Cash Rewards Credit Card
Bank of America · $0/yr · Cash Back
3% in your choice category (gas, online shopping, dining, travel, drug stores, home improvement); up to $2,500/qtr
Effective
3.00%
3x · 1.00¢/pt
- 13
Citi / AAdvantage Platinum Select World Elite Mastercard
Citi · $99/yr · AAdvantage Miles
Effective
2.80%
2x · 1.40¢/pt
- 14
United Gateway Card
Chase · $0/yr · United MileagePlus
Effective
2.60%
2x · 1.30¢/pt
- 15
Southwest Rapid Rewards Plus Credit Card
Chase · $99/yr · Southwest Rapid Rewards
First $5K/yr combined with groceries
Effective
2.60%
2x · 1.30¢/pt
- 16
Southwest Rapid Rewards Premier Credit Card
Chase · $149/yr · Southwest Rapid Rewards
First $8K/yr combined
Effective
2.60%
2x · 1.30¢/pt
- 17
Southwest Rapid Rewards Priority Credit Card
Chase · $229/yr · Southwest Rapid Rewards
Effective
2.60%
2x · 1.30¢/pt
- 18
IHG One Rewards Premier Credit Card
Chase · $99/yr · IHG One Rewards
Effective
2.50%
5x · 0.50¢/pt
- 19
Hilton Honors American Express Card
American Express · $0/yr · Hilton Honors
Effective
2.50%
5x · 0.50¢/pt
- 20
Ink Business Cash Credit Card
Chase · $0/yr · Chase Ultimate Rewards
First $25K/yr
Effective
2.00%
2x · 1.00¢/pt
- 21
Citi Rewards+ Card
Citi · $0/yr · Citi ThankYou Points
US gas stations, up to $6K/yr
Effective
2.00%
2x · 1.00¢/pt
- 22
Discover it Chrome
Discover · $0/yr · Cash Back
Up to $1K/qtr combined with dining
Effective
2.00%
2x · 1.00¢/pt
- 23
U.S. Bank Altitude Connect Visa Signature Card
U.S. Bank · $95/yr · US Bank Altitude Points
Effective
2.00%
2x · 1.00¢/pt
- 24
U.S. Bank Altitude Go Visa Signature Card
U.S. Bank · $0/yr · US Bank Altitude Points
Effective
2.00%
2x · 1.00¢/pt
- 25
IHG One Rewards Traveler Credit Card
Chase · $0/yr · IHG One Rewards
Effective
1.50%
3x · 0.50¢/pt
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