No matter where you live, what you do, or how you commute to/from the places you regularly frequent, we all benefit from gas stations. Even if you do not own or lease a motor vehicle, or you own a fully electric vehicle, gas stations offer many of life’s other necessities: slurpees, snacks, food, and gift cards to all of your favorite retailers. With a strategy in mind, anyone can benefit from gas stations. Today, we show you the best cards to maximize spending at gas stations.
Personal Credit Cards
This card has a 60,000 Thank You Points (TYP) sign-up bonus and a $95 annual fee. It earns 3x TYP at gas stations with no annual cap.
Citi Double Cash
With no annual fee and 2% cash back, this card is great for almost everything. If you have a Citi Premier or Prestige, the 2% cash back earned on the Double Cash can convert to 2x TYP with no annual cap.
Citi Costco Anywhere
This card has a $0 annual fee with your paid Costco membership. It earns 4% cash back on all gas purchases, up to $7,000 in gas purchases per year, then 1%.
Amex Everyday Preferred
This card has a $95 annual fee and earns 2x at gas stations with no annual cap. If 30+ transactions post on a statement, you earn an additional 50% bonus, so 3x at gas stations.
Amex Hilton Surpass
This card has a generous sign-up bonus and a $95 annual fee. It earns 6x at gas stations with no annual cap. This card also earns a Hilton free Weekend Night Certificate, good at most all Hiltons worldwide, for $15,000+ spend in a calendar year.
Amex Blue Cash Preferred
You earn unlimited 3% cash back on this card, which comes with a $95 annual fee.
Wells Fargo Propel
This card has a decent sign-up bonus and earns 3x on fuel purchases with no annual cap. These points can be redeemed for 1.0-1.75 cents each (note: the higher range requires a 2nd credit card and $50,000+ annual spend).
Quarterly Bonus Cards
The Chase Freedom, Chase Freedom Flex, and Discover It, both with no annual fee, regularly (at least one quarter per year) offer 5% cash back at gas stations on up to $1,500 spend per quarter.
Business Credit Cards
Amex Business Gold
This card earns 4x on the two highest spend categories each month, one of which is gas stations. You earn 4x on up to $150,000 in purchases each year. The annual fee is $295.
Amex Blue Business Preferred
One of the best business cards on the market, this no annual fee card earns 2x on all purchases, up to $50,000 spend per year.
Chase Ink Cash
This card comes with a $500 sign-up bonus (50,000 UR if you hold a CSR/CSP or CIBP) and has no annual fee. It earns 2% cash back (or 2x UR) on all gas purchases with no annual cap.
There are lots of great options for purchasing gas (and things sold inside “gas” stations, even if it doesn’t have fuel pumps out front). However, for most folks, it does not make sense to open ANY credit card to maximize gas purchases, as the annual spend just doesn’t justify a credit pull and/or another annual fee. Rather, you should decide which of your next cards is a good card for fuel purchases, in addition to other reasons for signing-up for that card. Come join our Facebook group to learn more tips and give us feedback on your favorite credit card for gas purchases.
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