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Gas Credit Cards

Gas Credit Cards

Save money at the pump with gas rewards credit cards from our partners
A trip to the pump doesn’t have to be painful. Since you need to buy gas anyway, you might as well get something extra in return, and several cards will give you extra points or higher percentages of cash back on gas purchases.


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Gas Credit Card Offers

The featured gas credit card offer on CreditDonkey is the Barclaycard Rewards MasterCard. Unlike gas credit cards associated with specific gas stations like Shell, BP, Sunoco, or Mobil, the Barclaycard Rewards lets you earn 2 points per $1 spent on gas, grocery and utility purchases. You earn 1 point for every $1 you spend everywhere else.

Barclaycard Rewards MasterCard - Average Credit With its generous and convenient reward structure, no annual fee, and widespread acceptance, the Barclaycard® Rewards MasterCard® is the CreditDonkey® featured gas credit card.

Not convinced? For those of you feeling swayed by gas stations offering you 5 cents back on every gallon, we have a tiny bit of math for you. That type of deal was nice years ago, when gas was less than $2 a gallon. But when fueling your car costs an average of $3.65 a gallon, you’ve got to expect more from your purchases at the pump. With many gas-company cards, you’d get just 50 cents for 10 gallons of gas. That’s just about 1.37% back. But with the Barclaycard Rewards, for that same 10 gallons, you’d get 2% back, or 73 cents. That adds up if you’re a commuting warrior or a frequent road tripper. And you do not have to stress about how to find a particular brand gas station.

Gas reward points add up quickly. Think about this: The average U.S. household spends about $3,000 on gas each year, according to the U.S. Energy Information Administration. With the median household income just north of $50,000, that represents about 6% of an average family’s annual budget. If you spent $3,000 a year at the gas pump, the 2 points per $1 spent (the equivalent of 2%) would put $60 back in your pocket during the course of the year.

Why It’s the Featured Gas Credit Card on CreditDonkey

  • Rewards: The Barclaycard® Rewards MasterCard® offers an impressive combination of generous rewards and easy point redemption. Gas, grocery, and utility purchases will earn you 2 points per dollar spent, and you’ll earn 1 point per dollar spent on anything else. Once you’ve accumulated points, you can apply them directly to pay off the balance on your card just like cash — no messy redemption processes or limitations. There are no blackout dates and no fees, and there’s also no limit to the points you can earn in a given time period.

  • No Annual Fee: There is no annual fee associated with this card. Other rewards cards have been known to charge upwards of $75 annually just for the privilege of being a cardholder, so the savings here will add up over time.

  • Acceptance: Since this is a MasterCard credit card, you’ll enjoy more widespread vender acceptance of it than you would with cards from American Express or Discover. This is an important differentiating factor, especially if you frequently patronize smaller businesses.

  • Build Credit: You'll usually just need average credit to be approved for the Barclaycard® Rewards MasterCard®. That means you can use the card to build your credit while you enjoy its reward structure and perks. Besides helping your credit score, you should always pay off your balance, or else any rewards you earn won't matter when contrasted against any interest fees you accrue.

Why You Might Want to Look Elsewhere

  • 24.99% APR: If you don't pay your balance in full each month, consider a credit card with a low interest rate instead. Gas credit cards tend to have higher interest rates than low interest credit cards that don’t have rewards. If you do pay off your balance in full, then a gas credit card is a great way to earn rewards for your everyday purchases.

The fact that the Barclaycard® Rewards MasterCard® offers double points on gas purchases all year long is what makes it stand out, but you may actually find that the value of the rewards you’d earn with these other cards is greater, depending on your purchasing behavior. Cards like Chase Freedom® and Discover it®, for example, offer 5% cash-back rewards on purchase categories that rotate throughout the year, including gas charges (although, unlike the Barclay card, these cards have a limit on how much cash back you can each quarter). These cards offer the same 1% minimum reward rate offered by the Barclaycard® Rewards card, but will accumulate points at a quicker rate if you find yourself making purchases in the rotating bonus reward categories.

For Business Owners: If most of your gas purchases are tied to a business you own, consider the U.S. Bank FlexPerks® Business Cash Rewards Visa Card. This card provides 3% cash back on all cellular, gas and office supply store net purchases; 1% on all other net purchases.

Bottom Line

Barclaycard Rewards MasterCard - Average Credit
Apply for Barclaycard Rewards MasterCard - Average Credit
If you’re someone who spends a good deal of money on gas and groceries, the Barclaycard® Rewards credit card is a great choice. You’ll earn double points year round on all gas (and grocery and utility) purchases. Plus, this card has no annual fee. To qualify for this credit card, you usually just need average credit.

For more money-saving tips, make sure to read:

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwised endorsed by any card issuer. This site may be compensated through the Advertiser's affiliate programs.

Disclaimer: Discover is a paid advertiser of CreditDonkey.

How to Save Money on Gas

A few simple changes to your driving and gas-purchasing habits can improve your mileage per gallon and reduce the amount you have to spend on gas each week.

Compare Credit Cards with Gas Rewards

Barclaycard Rewards MasterCard - Average Credit
Read ReviewApply for Barclaycard Rewards MasterCard - Average Credit
  • No annual fee
  • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else
  • Use the points you earn like cash to pay for almost any purchases you've made.
  • No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up.
  • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score
  • Complimentary FICO® Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account."
Cash Back RewardsPoint RewardsGas RewardsGrocery RewardsNo Expiration on RewardsNo Limits on Rewards
Gas Rewards Benefit: Earn 2 points per $1 spent on gas
Our Review: For people with average credit looking to earn reward points with no annual fee, the Barclaycard Rewards MasterCard is a good pick. It offers 2 points per dollar spent on three common expense categories — gas, groceries, and utilities. However, it does have its drawbacks, especially if you're the type of person who does not pay off your balance each month. The card comes with a high interest rate, which can accrue rather quickly, making it best suited for people who plan to pay in full each ..... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
24.99%* (Variable)
$0

Discover it chrome
Apply for Discover it chrome
  • 2% cash back automatically on up to $1,000 in combined purchases at restaurants and gas stations every quarter - no sign-ups needed*. 1% cash back on all your other purchases.
  • 0% intro APR on purchases and balance transfers for 14 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • No annual fee, no overlimit fee, no late fee on your first late payment and no foreign transaction fee*.
  • Free FICO® Credit Score online and on your monthly statement so you can track your score's progress*.
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • U.S. based customer service - anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply".
Cash Back RewardsDining RewardsGas RewardsCar Rental Insurance$0 Fraud Liability
Gas Rewards Benefit: 2% cash back automatically on up to $1,000 in combined purchases at restaurants and gas stations every quarter - no sign-ups needed*
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 14 months
0% for 14 months
10.99% - 22.99% Variable*
$0

Discover it chrome for Students
Apply for Discover it chrome for Students
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR.*
  • 2% cash back automatically on up to $1,000 in combined purchases at restaurants and gas stations every quarter - no sign-ups needed*. 1% cash back on all your other purchases.
  • 0% intro APR on purchases for 6 months - then a variable purchase APR applies, currently 12.99% - 21.99%.
  • APR won't go up if you pay late.
  • Free FICO® Credit Score online and on your monthly statement so you can track your score's progress*.
  • Free text alerts can remind you when your payment is due. And free mobile app helps you stay on top of your account.
  • 100% U.S. based customer service - anytime, day and night.
  • *Click "Apply Now" to see rates, rewards, free FICO® Credit Score terms and other information.
StudentCash Back RewardsDining RewardsGas Rewards
Gas Rewards Benefit: 2% cash back automatically on up to $1,000 in combined purchases at restaurants and gas stations every quarter - no sign-ups needed*.
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 6 months
See Terms
12.99% - 21.99% Variable*
$0

Citi Hilton HHonors Visa Signature Card
Read ReviewApply for Citi Hilton HHonors Visa Signature Card
  • Earn 40,000 Hilton HHonors Bonus Points after spending $1,000 within 4 months of account opening*
  • Earn 6 HHonors Bonus Points for each $1 spent at a participating hotel within the Hilton HHonors portfolio.*
  • Earn 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations.*
  • Earn 2 HHonors Bonus Points for each $1 spent on all other purchases.*
  • No annual fee.*
Introductory Bonus Hotel RewardsHotel RewardsDrugstore RewardsGas RewardsGrocery RewardsNo Expiration on RewardsNo Limits on RewardsNo Pre-Set Spending LimitConcierge Car Rental InsurancePurchase ProtectionTravel Accident Insurance$0 Fraud LiabilityEmergency AssistanceIdentity Theft Assistance
Gas Rewards Benefit: Earn 3 HHonors Bonus Points per $1 spent on purchases at gas stations
Our Review: The Citi Hilton HHonors Visa is an excellent rewards card for travelers who enjoy staying at Hilton hotels. This card earns free nights at Hilton hotels around the world and gives you HHonors Status with the Hilton chain... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
14.24% - 16.24%* (Variable)
None

Gas Rewards Benefits

Why Choose a Credit Card with Gas Rewards

  • You can earn signup and bonus deals. See the full list of the current gas credit card deals.

  • Get rewarded for purchases you’ll be making anyway: Buying gas is the ultimate necessity if you have a car, so why not earn rewards for it? While other types of rewards – like those earned when shopping online or at department stores – can encourage overspending, you can’t buy more gas than you need.

  • Stem the cost of high prices: Buying gas is unlike buying almost anything else. It’s usually unnecessary to “shop around” since prices rarely vary within small geographic areas and it doesn’t ever go on sale like most other items.

What to Watch Out for When Choosing and Using Your Gas Credit Card

  • Avoid gas cards issued by gas stations: Some gas stations offer credit cards that earn discounts only at their stations. These rewards may be comparable to other credit cards but they are also inconvenient. Instead, choose a card that offers rewards on gas purchases regardless of the brand or station.

  • Check the fine print: Some gas cards exclude purchases of diesel gas, or gas for boats and airplanes, from their rewards programs. They may also limit the amount of gas (by quantity or by cost) that is eligible for rewards for one transaction.

  • If you happen to be a warehouse club member, you probably shouldn’t bother with a gas credit card, as most gas credit cards are only eligible for rewards at stand-alone gas stations. It’s likely that the savings you’ll get by purchasing warehouse gas stations is greater than the rewards you’d earn if you paid full price at a stand-alone gas station.


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    By Leah Norris - Money Tips
    Tired of spending money on gas and car maintenance, only to get stuck in traffic every day on your commute to work? What if you could get to work without driving? That’s the reality for many people living in or near the cities on this list. ...

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    By Kelly Teh - Money Tips
    As I was riding the D.C. Metro a couple of weeks ago, I was reminded of the metro tickets I keep as mementos of places I’ve traveled: San Francisco’s BART, Atlanta’s MARTA, and New York City’s subway system. That got me thinking about stories of ...
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    By Kelly Teh - Money Tips
    With the recent spike in gas prices, conservation and gas credit cards are among the tools you can use to control costs and carbon emissions.
    Cost of Gasoline

    Why Are Gas Prices So High

    By Meghan C - Money Tips
    According to U.S. Energy Information Administration (EIA) gas price forecasts as of May 10, 2011, the average retail price for gas in the United States is expected to be $3.66 per gallon in 2012. This high price has many consumers’ (and their ...

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About CreditDonkey®
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy financial decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: The card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.