At some point we’ve all complained about the price of gas. And I can’t tell you how many times I’ve heard my grandparents and even my parents talk about how upset they were when the price of gas went up over a dollar—how times have changed.
While I don’t have the answer for getting older generations to stop boring you with stories about how much cheaper things used to be, I can share a simple way to save at the gas pump: Consider a cash rewards credit card that offers cash back at gas stations.
| Credit Card | Gas Rewards | Unique Features | Minimum Credit Required |
|---|---|---|---|
| ExxonMobil™ Smart card | 6 cents off per gallon at branded gas stations | 2x redeemable Plenti points at the pump | 600 |
| Shell Drive for Five® card | 5 cents off per gallon at branded gas stations | Robust security solutions | 600 |
| Sunoco Rewards credit card | 6 cents off per gallon at branded gas stations | Unlimited extra cards for family members at no additional cost | 600 |
| Blue Cash Everyday® from Amex |
3% cash back at U.S. gas stations | Great intro 0% offer | 700 |
| Citi Premier® Card | 3x bonus points at U.S. gas stations | Additional benefits for travellers | 750 |
| Chase Ink Business Cash® Credit Card | 2x bonus points at U.S. gas stations | Excellent sign-up bonues | 750 |
*2% cash back categories have a $1,000 max spend per quarter
Best Gas Credit Cards
ExxonMobil™ Smart card
With the ExxonMobil™ Smart Card you can save six cents on every gallon, and there’s no limit to how much you can save. With more than 11,000 Exxon and Mobil locations, you can use the card all across the country.
You can create an online account and easily manage and track your fuel purchases. Like most other credit cards, you’re also protected under the $0 fraud liability on unauthorized charges.
Finally, you can give extra cards to your family at no additional cost.
Shell Drive for Five® card
With the Shell Drive for Five® card, you’ll get 25 cents off every gallon of Shell fuel for the first two months of your account opening! After that, you’ll get a still respectable five cents off. Like Exxon and Mobile, there are thousands of Shell locations nationwide, so you should never have a problem finding a station.
Also similar to the ExxonMobil™ card, you’re protected with a $0 liability on unauthorized charges. You can also manage your account online, and request extra cards at no additional cost.
Sunoco Rewards credit card
With the Sunoco card, you can get five cents off every gallon at any Sunoco station. With 6,600 locations, you’ll be able to use this card all around the country.
You can get additional rewards at the pump if you register your phone number at your local grocery store website.
You can give your family members a card at no additional cost.
Blue Cash Everyday® from Amex
All information about The Blue Cash Everyday Card from American Express has been collected independently by MoneyUnder30.com. Content has not been reviewed or approved by the issuer. Earn $200 statement credit after you spend $2,000 on purchases on your new card in your first six months of card membership. Earn 3% Cash Back at U.S. supermarkets up to $6,000 per year; 3% Cash Back on U.S. online retail purchases up to $6,000 per year; 3% Cash Back at U.S. gas stations up to $6,000 per year, and; 1% Cash Back on all other eligible purchases. $0 The Blue Cash Everyday® Card is a solid option to consider for earning cash back on everyday purchases. Offer details accurate as of 9/6/23Blue Cash Everyday® Card from American Express
Welcome Offer
Rewards
Annual Fee
Our Thoughts
This card offers three percent cash back at U.S. supermarkets, at U.S. gas stations and on U.S. online retail purchases (up to $6,000 per year in purchases per category, then one percent). It also offers, and one percent on all other purchases.
At the time of writing, the Blue Cash Everyday® card is offering $200 back after spending $2,000 in the first six months.
There’s no annual fee for this card.
Citi Premier® Card
Citi Premier® Credit Card
Annual Fee
Intro APR, Purchases
Intro APR, Balance Transfers
Regular APR
Credit Needed
$95
N/A
N/A
21.24% - 29.24% (Variable)
The Citi Premier® Card is not only great for fuel savings, but it’s a decent travel rewards card as well. It gives you 3x at gas stations and other travel expenses. These include, but are not limited to: airfare, hotels, and travel agencies. You also receive 1x on all other purchases.
The only drawback with the Citi Premier® Card, is that it has an annual fee.
Chase Ink Business Cash® Credit Card
Ink Business Cash® Credit Card
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
| Annual Fee | Intro APR, Purchases | Intro APR, Balance Transfers | Regular APR | Credit Needed |
| $0 | 0% Intro APR on Purchases for 12 months | N/A | 18.49% - 24.49% Variable | Good, Excellent |
The Ink Business Cash® Credit Card is designed for, as the title suggests, business owners. It offers five percent cash back on the first $25,000 in combined purchases at office supply stores and your internet, cable, and phone bills each year.
You’ll also get two percent cash back on the first $25,000 spent in combined purchases from gas stations and restaurants each account anniversary year. You’ll receive one percent cash back on all other purchases.
Currently, the card offers a $900 bonus cash back after you spend $6,000 on purchases in the first 3 months after account opening
You can add employee card to your account at no additional cost. This card also has no annual fee.
So, which do we recommend?
That, of course, depends on what exactly you’re looking for.
In my personal experience, a great credit card just for gas is the Sunoco Rewards credit card. But I also get points from my grocery store—so that is what truly makes it worth it. Five cents off may not seem like much, but paired with the substantial grocery points, you’re looking a great savings. And I only shop for myself and my partner, larger families earn even more points because they have to buy more anyway.
For people who drive a lot and want to maximize their savings at the pump, this is my favorite gas rewards credit card.
If you can’t sign up for extra rewards at grocery stores, the second best card just for gas is definitely the ExxonMobil™ Smart card, which offers six cents off rather than five (again, that adds up).
This is a straightforward gas rewards card. Exxon and Mobil stations are everywhere, so you should have no problem finding a station. Plus, all smartphones allow you to search for certain gas station near you if you ever can’t find one.
Alternatives to gas credit cards
If you didn’t find the perfect card for you, we recommend checking out some other cards on the market. They might offer slightly lower rewards on gas, but they make up for it with other perks, like travel rewards, cash back in other categories, and even some really cool and unique benefits.
Finding the right credit card is much simpler if you know your credit score and can narrow your search to only the cards you know you’ll get approved for. We’ve made it easy for you. If you don’t already know your score, use our quick and free Credit Score Estimator tool – then find the perfect card for you!
Summary
The price of gas has a history of fluctuation. A cash back card that offers rewards with gas stations in mind can help you get some money back, even when fuel costs are high.