Best Credit Cards For Gas Of October 2024 (2025)

Rates & Fees

Up to 10X Reward Rate

Earn 10 points per dollar spent on hotels, car rentals and attractions booked on CitiTravel.com, 3 points per dollar atRead More

Welcome Bonus

70,000 bonus points

Annual Fee

$95

Regular APR

20.74% - 28.74% (Variable)

Credit Score

Excellent, Good

The Citi Strata Premier℠ Card offers higher points earning not just on gas but also on typical household purchases like groceries, restaurants, hotels, air travel and even electric vehicle charging. It also offers a few other useful benefits for travelers.

Why We Like It

Purchases on gas, EV charging, restaurants, supermarkets, air travel and hotel reservations will net you 3 points per dollar spent. Plus, if you’re booking any hotels, car rentals or attractions through CitiTravel.com, you’ll be earning a whopping 10 points per dollar, helping you soar to your next redemption much faster.

With a relatively low annual fee, you’ll also get a $100 annual hotel benefit toward a single hotel stay of $500 or more (excluding taxes and fees) if booked through CitiTravel.com and a significant welcome bonus you can turn right around for your first award redemption. The ThankYou® Points you earn can be transferred to multiple loyalty programs, and you can travel with additional peace of mind as the card includes travel protection benefits like trip delay protection, trip cancellation and interruption protection, lost or damaged luggage protection and car rental insurance.

What We Don’t Like

While the card packs a punch when it comes to travel-related benefits, the higher point earning rate of 10 points per dollar spent is only achievable when booking your travel through CitiTravel.com. Hotel bookings will be considered third-party reservations and, therefore, generally won’t be eligible for any hotel loyalty perks.

Who It’s Best For

This card works well for anyone looking to earn bonus ThankYou Points for a variety of everyday purchases like gas. These points could be especially valuable for those who transfer them to Citi transfer partners, all while taking advantage of this card’s travel protections.

Paying to fill up at the pump is never fun, but at least you’ll earn something back for it with the Citi Strata Premier. It’s one of the few cards around that earns significant bonus points on both gas stations and supermarkets, 365 days a year. And it’s also the only card on the market that can access Citi’s full roster of valuable airline and hotel transfer partners.

Rates & Fees

Up to 5X Reward Rate

Earn 2X ThankYou® Points per dollar at supermarkets and gas stations for the first $6,000 per year and then 1XRead More

Welcome Bonus

Earn 20,000 bonus points

Annual Fee

$0

Regular APR

18.24% - 28.24% (Variable)

Credit Score

Excellent, Good(700 - 749)

The Citi Rewards+® Card offers bonus rewards on gas up to an annual spending limit, provides a generous introductory APR offer and earns a top rate for CitiTravel.com hotel, car rental and attraction bookings through December 31, 2025.

Why We Like It

With this card, your purchases at gas stations and supermarkets earn 2 points per dollar up to the first $6,000 spent per year, then 1 point. The flexible ThankYou® Points you earn can be redeemed for gift cards, travel and more. Plus, they can be combined with the rewards you earn from other ThankYou Points-earning cards.

This card’s interesting Round Up feature rounds the number of points earned to the nearest 10 points. A purchase for $10.99 that would have ordinarily earned 11 points will instead earn 20. Additionally, the card offers 10% of your points back when redeeming, up to the first 100,000 points per year.

New cardholders get a 0% intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 18.24% – 28.24%, based on your creditworthiness. An intro balance transfer fee of either 3% of each transfer or a minimum amount of $5 within the first 4 months of account opening applies. After that, the amount of each balance transfer will be 5% of each transfer (minimum $5) applies.

What We Don’t Like

The ThankYou Points earned with this credit card can only be transferred to a few of Citi’s travel partners including—Choice Privileges, JetBlue TrueBlue and Wyndham Rewards—and they transfer at inferior rates. To gain access to the full slate of transfer partners and the best transfer ratios you’ll need to pair the Rewards+ with one of Citi’s premium travel cards like the Citi Strata Premier℠ Card.

Who It’s Best For

This card is best for anyone who wants to earn ThankYou Points for all their purchases, particularly those dollars spent at gas stations and supermarkets. It will prove even more valuable for those who can pair it with the Citi Strata Premier.

For those who never carry cash and use their credit card for even the smallest purchases, the “round up” feature of the Citi Rewards+ can quickly add up. But don’t sleep on the card’s 10% rebate on point redemptions up to the yearly cap, either. Take advantage of both of these features, and you’ll soon find yourself with a larger stack of rewards.

Rates & Fees

Up to 5X Reward Rate

Earn 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel. Earn 5X miles on CapitalRead More

Welcome Bonus

Earn 75,000 bonus miles

Annual Fee

$95

Regular APR

19.99% - 29.99% (Variable)

Credit Score

Excellent, Good(700 - 749)

The Capital One Venture Rewards Credit Card offers a great flat rewards rate on all purchases, not just gas. If you’re looking to save up some points for your next trip, this is a great card to have readily available in your wallet.

Why We Like It

Because every purchase made with this card earns 2 miles per dollar at a minimum, you’ll be on your way to the next redemption with every purchase, including gas. The points you earn can be redeemed for cash back, but you can likely get more value by transferring them to one of Capital One’s transfer partners. The Venture also offers a suite of travel-focused perks, including no foreign transaction fees (rates & fees), a credit for TSA PreCheck® or Global Entry and MasterRental Insurance.

What We Don’t Like

While most cards on our list bonus spend on gas purchases and let you maximize your earning in that category at a higher rate, this card offers a moderate but consistent across the board earning rate for all of your purchases—but other cards earn higher rewards on gas.

Who It’s Best For

This card works well for anyone seeking travel rewards with every purchase without needing to learn a convoluted earning scheme or paying an exorbitant annual fee.

The Capital One Venture Rewards card is extremely low maintenance as far as travel reward cards go. It provides consistent value and flexibility when it comes to earning and redeeming points for travel and is an excellent alternative for anyone a bit leery of the high Capital One Venture X Rewards Credit Card annual fee (rates & fees).

Up to 5% Reward Rate

Earn 5% cash back in categories that rotate quarterly on up to $1,500 when enrolled, 5% on travel purchased throughRead More

Welcome Bonus

$200 bonus

Annual Fee

$0

Regular APR

20.49%-29.24% Variable

Credit Score

Excellent, Good(700 - 749)

Chase Freedom Flex® cardholders can earn 5% cash back on categories that rotate each quarter. It also comes with no annual fee and an intro APR period.

Why We Like It

With the Freedom Flex, you’ll earn 5% in quarterly rotating bonus categories on up to $1,500 in total combined purchases each quarter after you activate them. These rotating categories have often included gas, grocery stores and select online merchants. The card comes with a welcome bonus of a $200 bonus after spending $500 on purchases in the first 3 months from account opening. If you need a longer runway to pay large purchases or are interested in balance transfers, the Freedom Flex offers a 0% intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% – 29.24% applies. Balance transfer fee of up to 5% (min. $5) of the amount of each transfer applies.

Unlike other no annual fee cards, the Freedom Flex comes with several protections, such as purchase protection, extended warranty protection, cellphone protection, trip cancellation and interruption insurance and auto rental collision damage waiver.

What We Don’t Like

The higher earning categories rotate quarterly and require activation. If you’re specifically looking to earn more cash back on gas, you’ll likely only be able to do so for three months out of the year. And even during those months, you’ll be capped to a combined $1,500 in spending.

Who It’s Best For

The Freedom Flex works well for those who want to periodically earn high cash back on gas purchases and who expect they’ll be able to take advantage of other bonus categories throughout the year.

Kudos to Chase for always keeping the rotating categories relevant on the Freedom Flex. From Amazon to PayPal and Starbucks to Walmart, you’re almost guaranteed to find at least one quarter every year (or even several) where the 5 bonus points roll in with almost no effort. Just don’t forget to activate the categories every quarter.

Rates & Fees

Up to 3X Reward Rate

Earn 3 points per dollar spent at gas and EV charging stations; Earn 2 points at grocery stores; Earn 1Read More

Welcome Bonus

$100 Statement Credit

Annual Fee

$0

Regular APR

20.74% - 28.74% (Variable)

Credit Score

Good

The no annual fee card has a great bonus rate on gas. And if you also hold a Citi Strata Premier℠ Card, you can combine your ThankYou® points to gain access to more travel transfer partners and better transfer ratios.

Why We Like It

Cardholders receive a $100 statement credit after spending $1,000 in eligible purchases in the first 3 months of account opening. When you use the card to pay your AT&T bill automatically and enroll in paperless billing, you are eligible for a statement credit after making a specified amount of purchases each billing cycle. Purchases totaling $500 to $999.99 will earn you a statement credit of $10 each billing cycle, while spending $1,000 will get you a $20 credit.

What We Don’t Like

In order to squeeze the most value out of this card, you’ll need to pair it with another Citi credit card. If you don’t, the points can only be used for redemptions that are inflexible when it comes to finding sweet spots.

Who It’s Best For

This card is likely best for those who have AT&T as their cellphone service provider to take advantage of the AT&T wireless bill credits while also earning strong rewards on gas.

Up to 5X Reward Rate

Earn 5X points per $1 spent on eligible purchases made at participating By Wyndham hotels and on gas; Earn 2XRead More

Welcome Bonus

30,000 bonus points

Annual Fee

$0

Regular APR

20.99% - 29.99% variable

Credit Score

Good/Excellent(700 - 749)

The Wyndham Rewards Earner® Card* is Wyndham’s entry-level credit card offering. If you’re loyal to the Wyndham brand and spend a decent amount of time on the road, this card could offer some value and savings alongside your stay.

Why We Like It

This Wyndham card lets you earn a whopping 5 points per dollar spent not just at Wyndham hotels but, more importantly, also on gas purchases. Its welcome bonus is enough for up to 4 free nights at participating Wyndham properties.

The Wyndham Rewards Earner® Card* offers automatic Gold Level benefits when staying at Wyndham properties. Cardholders can also take advantage of a 10% discount when redeeming points toward a free award night. Those who spend at least $15,000 on the card each anniversary year will receive 7,500 bonus points. This card doesn’t charge foreign transaction fees and charges no annual fee whatsoever.

What We Don’t Like

Unlike many of the other cards on this list, you’re limiting yourself to Wyndham points with this one, only redeemable at this hotel chain’s properties. If you’re not a Wyndham road warrior, you’ll likely get a better return elsewhere.

Who It’s Best For

This card could work well for any travelers who see themselves sporadically booking nights at Wyndham properties.

Up to 5X Reward Rate

Earn 5% cash back rewards on gas (up to $6,000 annually, then 1%), 3% cash back rewards on dining andRead More

Welcome Bonus

$30 statement credit

Annual Fee

$0

Regular APR

20.90% or 28.90% Variable

Credit Score

Excellent/Good Credit(700 - 749)

The Sam’s Club® Mastercard®* offers a high earning rate on gas, dining, takeout and anything you purchase at Sam’s Club locations. And there’s no annual fee to worry about.

Why We Like It

With the Sam’s Club® Mastercard®*, you’ll earn 5% on gas up to the first $6,000 spent per year (and 1% after that.) The welcome bonus comes in the form of a $30 statement credit after spending $30 in Sam’s Club purchases within 30 days of account opening.

What We Don’t Like

This card earns Sam’s Cash instead of actual cash back—so it can’t be redeemed for anything outside the warehouse club’s four walls or website. It requires a Sam’s Club membership to apply and to get the highest earning rates, you’ll need a Plus membership—which costs $110 a year. Sam’s Cash is capped at $5,000 per calendar year, and no further rewards can be accrued past that amount.

Who It’s Best For

This card is best for Sam’s Club members who hit the road regularly and who don’t mind redeeming their rewards with the store.

Welcome Bonus

15,000 bonus points

Annual Fee

$0

Regular APR

17.99% Variable

Credit Score

Good, Excellent(700 - 749)

The PenFed Platinum Rewards Visa Signature® Card* charges no annual fee and earns big rewards in most areas of household spending, including at gas stations. However, it lacks the additional benefits that most of its competitors offer.

Why We Like It

With this card, your purchases at gas stations, EV charging stations, restaurants and supermarkets will help you earn rewards faster. It includes some surprising benefits for a nonpremium travel card, like travel accident coverage and access to The Luxury Hotel Collection program, as well as a complimentary concierge service and cellphone protection.

The Platinum Rewards Visa Signature® Card* doesn’t charge foreign transaction fees and offers an introductory APR: 0% intro APR for 12 months on balance transfers made in the first 90 days, followed by a non-variable 17.99% APR on purchases and balance transfers, a 3% balance transfer fee applies. PenFed credit cards require membership to PenFed Credit Union, so be prepared to jump through a few additional hoops. But anyone can join, so evaluate whether other PenFed products make sense for you too.

What We Don’t Like

While the card advertises cash-back earnings, the redemption options for the card’s rewards program do not include cash back in the form of statement credits or deposits into your accounts. Instead, they are limited to merchandise and services, travel and gift cards. Because of this, the value of your rewards will vary based on the particular redemption you choose.

Who It’s Best For

This card works best for current PenFed members or those already considering joining who want to earn rewards on their gas, restaurant and supermarket purchases.

Up to 6X Reward Rate

Earn 6 points per $1 spent on eligible purchases made at participating By Wyndham hotels and at gas stations; EarnRead More

Welcome Bonus

45,000 bonus points

Annual Fee

$75

Regular APR

20.99% - 29.99% variable

Credit Score

Excellent/Good Credit(700 - 749)

The Wyndham Rewards Earner® Plus Card* is a solid option for Wyndham loyalists who spend a lot of time on the road and don’t mind paying an annual fee.

Why We Like It

For a very modest annual fee, cardholders receive automatic Platinum level benefits at Wyndham hotels and save 10% on go free® points bookings. The card will help get you closer to your next award stay, earning more points than the Wyndham Rewards Earner® Card* in every category including twice as many points on dining and groceries.

While it doesn’t provide a free award night each year, the 7,500 anniversary points bonus could cover a night at one of its low-tier properties. This card doesn’t charge foreign transaction fees.

What We Don’t Like

The Wyndham points earned for gas purchases are only one point higher for this card than the no annual fee Wyndham card on the list. If you’re not going to use all the other benefits, it might not be worth the annual fee just to get one extra point.

Who It’s Best For

This card works well for Wyndham loyalists who are willing to pay an annual fee in exchange for higher status with the hotel chain and faster earnings.

Wyndham loyalists will enjoy the array of perks and benefits offered by the Wyndham Earner Plus card. By providing complimentary PLATINUM loyalty status, this card is primed to ensure an enhanced experience at Wyndham’s 9,000+ properties.

Up to 4% Reward Rate

Earn 4% cash back on eligible gas and EV charging purchases for the first $7,000 spent annually, 1% thereafter; 3%Read More

Welcome Bonus

N/A

Annual Fee

$0

Regular APR

19.99% variable APR

Credit Score

Excellent(750 - 850)

The Costco Anywhere Visa® Card by Citi* helps you earn bonus points on gas, restaurants and eligible travel while charging no annual fee.

Why We Like It

The Costco Anywhere Visa earns 4% on eligible gas station purchases up to the first $7,000 spent each year (and 1% after that). Cash back earned is issued as an annual certificate redeemable for either cash or merchandise at U.S. Costco warehouses. The card comes with a few surprising protection benefits, like damage and theft purchase protection, travel and emergency assistance, worldwide car rental insurance and travel accident insurance.

What We Don’t Like

The cash back you earn with this credit card can only be redeemed at Costco locations. Even though the card charges no annual fee, it does require having an active Costco membership. The rewards certificate you earn must be redeemed before the year’s end or else it will expire.

Who It’s Best For

This card is ideal for anyone who already shops at Costco and could use the extra cash-back boost from gas and other purchases to redeem toward merchandise at Costco locations.