Quick Comparison: Best Gas Credit Cards 2026
| Card | Gas Rate | Annual Fee | Welcome Bonus | Best For |
|---|---|---|---|---|
| Costco Anywhere Visa | 4% (up to $7K/yr) | Costco membership req. | None | Costco members who buy gas there |
| BofA Customized Cash Rewards | 6% yr 1 / 3% yr 2+ (cap applies) | $0 | $200 after $1K | Best year-one gas rate; flexible choice |
| Sam's Club Mastercard | 5% (up to $6K/yr) | Sam's membership req. | None | Sam's Club members; gas anywhere |
| Citi Strata Premier | 3x pts (unlimited) | $95 | 60,000 pts | Gas + travel + groceries all at 3x |
| Amex Blue Cash Preferred | 3% (unlimited) | $95 ($0 yr 1) | Up to $300 | Groceries + gas + streaming combo |
| Wells Fargo Active Cash | 2% (unlimited) | $0 | $200 after $500 | Simple flat rate + phone protection |
1. Costco Anywhere Visa® Card by Citi — Best for Costco Gas
The Costco Anywhere Visa earns 4% cash back on eligible gas and EV charging purchases worldwide (up to $7,000 per year, then 1%) — the highest gas rate available on a widely available credit card. Costco gas stations typically price 10–30 cents per gallon below the surrounding market, so Costco members using this card at Costco pumps capture both the price savings and the 4% cash back. The card charges no annual fee beyond your required Costco membership ($65/yr). It also earns 3% on restaurants and travel, 2% at Costco and Costco.com, and 1% elsewhere.
ANYWHERE
VISA
Costco Anywhere Visa® Card by Citi
Pros
- 4% gas worldwide — highest widely available rate
- Works at all gas stations, not just Costco
- 3% restaurants + travel — strong everyday earner
- No foreign transaction fee
Cons
- Requires Costco membership ($65/yr minimum)
- Cash back paid as a Costco shop card annually — not monthly
- $7,000/yr gas cap — drops to 1% for heavy drivers
- Only available to Costco members
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2. Bank of America® Customized Cash Rewards — Best 0% Fee Gas Card (Year 1)
The BofA Customized Cash Rewards earns 6% in your choice category in year one — and gas is one of the six choices. At 6% on $300/month in gas = $216/year back, no other no-fee card comes close. After year one, the rate drops to 3% on gas (still among the best no-fee gas rates). The combined cap of $2,500/quarter for your choice category plus grocery/wholesale club spending is the main constraint for drivers who also shop heavily at supermarkets.
CUSTOMIZED
CASH
Bank of America® Customized Cash Rewards Credit Card
Pros
- 6% on gas year one — highest available on a no-fee card
- Changeable category monthly — switch to dining or online shopping when needed
- 2% at grocery stores and wholesale clubs (always)
- $200 welcome bonus + 0% APR 15 cycles
Cons
- Drops to 3% on gas after year one
- $2,500/quarter cap on combined choice + grocery spending
- 3% foreign transaction fee
† We may earn a commission if you're approved. This doesn't affect our rating.
3. Sam's Club® Mastercard® — Best for Sam's Club Members
The Sam's Club Mastercard earns 5% cash back on gas anywhere (not just Sam's Club) on up to $6,000 per year — making it one of the strongest gas cards for Sam's Club members. It also earns 3% on dining and takeout, 1% on Sam's Club purchases (5% for Plus members), and 1% everywhere else. There's no annual fee beyond Sam's Club membership. Like the Costco card, it combines membership warehouse savings with a top-tier gas reward.
CLUB
MASTERCARD
Sam's Club® Mastercard®
Pros
- 5% on gas anywhere — works at all stations, not just Sam's
- 3% dining is a strong bonus category for a membership card
- Lower membership fee than Costco ($50 vs. $65/yr)
- No annual credit card fee
Cons
- Requires Sam's Club membership
- Cash back only redeemable at Sam's Club / Walmart
- $6,000/yr gas cap
- 1% on Sam's purchases (unless Plus member at 5%)
† We may earn a commission if you're approved. This doesn't affect our rating.
4. Citi Strata Premier® Card — Best Travel Card That Also Earns 3x on Gas
The Citi Strata Premier is primarily a travel card, but its 3x on gas and EV charging (unlimited, no cap) makes it exceptional for drivers who also travel and dine out. Unlike the BofA Customized Cash Rewards, there's no quarterly cap — a household spending $500/month on gas earns 6,000 ThankYou points ($60–$90+ in travel value) per month on gas alone. Paired with 3x on restaurants, supermarkets, and air travel, this is the best card for consolidating daily driving and travel spending on one card.
STRATA
PREMIER
Citi Strata Premier® Card
Pros
- 3x on gas unlimited — no quarterly cap
- Same 3x rate on groceries, dining, air, hotels
- 22 transfer partners including exclusive AAdvantage
- $100 hotel benefit covers the $95 annual fee
- No foreign transaction fee
Cons
- $95 annual fee
- Gas rate (3x = ~3¢/dollar at 1¢/pt) trails 4–5% dedicated gas cards
- Points require transfer for maximum value
† We may earn a commission if you're approved. This doesn't affect our rating.
5. Blue Cash Preferred® Card from American Express — Best Gas + Grocery Combo
The Blue Cash Preferred earns 3% cash back on U.S. gas stations (unlimited) plus 6% at U.S. supermarkets (up to $6,000/yr) and 6% on select streaming. For families who spend heavily on both groceries and gas, BCP is the best single card — pairing top-tier grocery rates with competitive gas rewards. The $95 annual fee ($0 year one) is offset by the Disney Bundle credit, making the net effective fee $0–$11 for Disney subscribers.
BLUE CASH
PREFERRED
Blue Cash Preferred® Card from American Express
Pros
- 3% gas unlimited — no cap, no category activation
- 6% groceries — best rate on any mainstream card
- Transit also earns 3% (Uber, Lyft, subway, parking, tolls)
- Disney Bundle credit offsets fee for subscribers
Cons
- $95 annual fee after year one
- 3% gas trails dedicated gas cards (4–6%)
- 2.7% foreign transaction fee
† We may earn a commission if you're approved. This doesn't affect our rating.
6. Wells Fargo Active Cash® Card — Best Simple Flat Rate for Gas
The Wells Fargo Active Cash earns 2% on every purchase with no categories, no caps, and no annual fee. While 2% doesn't sound exciting next to 4–6% dedicated gas cards, it requires zero management — you always earn 2% whether you're at the pump, buying groceries, or paying online bills. For drivers who don't want to track gas category cards, the $200 welcome bonus and $600 cell phone protection make Active Cash an excellent everyday companion card.
FARGO
ACTIVE CASH
Wells Fargo Active Cash® Card
Pros
- 2% on gas and everything — simplest setup possible
- $200 welcome bonus after easy $500 spend
- $600 cell phone protection — pay phone bill with card
- No annual fee, no categories to track
Cons
- 2% gas trails dedicated gas cards significantly (vs. 4–6%)
- 3% foreign transaction fee
† We may earn a commission if you're approved. This doesn't affect our rating.
How to Choose the Best Gas Credit Card
The right gas card depends on one key question: do you shop at a warehouse club? If yes, the Costco Anywhere Visa (4% gas, $65/yr membership) or Sam's Club Mastercard (5% gas, $50/yr membership) will earn more than any standalone gas card — assuming you already have or would get a membership for other reasons. If no, the BofA Customized Cash Rewards' 6% in year one (then 3%) is the strongest no-fee option, or the Citi Strata Premier if you want unlimited 3x gas plus travel and grocery earning with no cap.
One strategic note: pair a dedicated gas card with a flat-rate 2% card. Use the gas card at the pump, the flat-rate card everywhere else. This two-card system captures elevated gas earnings without giving up rewards on non-gas spending where the gas card earns only 1%.