Best Cash Back Credit Card for Gas

Gas prices add up. The right credit card can cut your fuel costs by 3–5% every time you fill up. Here are the best options for gas station rewards.

Costco Anywhere Visa by Citi

4% back on gas (including Costco gas) is the highest available — but requires a Costco membership.

Rewards: 4% on gas, 3% dining, 2% Costco
Annual Fee: $0 (requires Costco membership)
Welcome Bonus: None

Amex Blue Cash Preferred

3% back on gas at US gas stations, plus 6% groceries — a powerhouse everyday card.

Rewards: 3% at US gas stations
Annual Fee: $95
Welcome Bonus: $250 after $3,000 spend in 6 months

Chase Freedom Flex

Rotating 5% categories often include gas stations, plus solid year-round rewards.

Rewards: 5% rotating categories (often gas)
Annual Fee: $0
Welcome Bonus: $200 after $500 spend in 3 months

Quick Comparison

Card	Rewards	Annual Fee	Best For
Costco Anywhere Visa	4% gas	$0*	Costco members
Amex Blue Cash Preferred	3% gas	$95	Grocery + gas combo
Chase Freedom Flex	5% rotating	$0	Maximizers

How to Choose

If you have a Costco membership, the Costco Visa is the clear winner. Otherwise, the Amex Blue Cash Preferred offers a great combination of gas and grocery rewards.

Frequently Asked Questions

Does the gas station brand matter?

Most cards reward “gas stations” as a merchant category. Brand doesn’t usually matter — it’s about the merchant code.

Does paying at the pump count?

Yes, pay-at-pump transactions typically count as gas station purchases for rewards purposes.

What about warehouse club gas?

Costco and Sam’s Club gas earns rewards as “warehouse club” not gas station — except on the Costco Anywhere Visa.

Written by: Marcus Chen, Senior Credit Card Analyst at Clear Card Guide

Last Updated: May 2026

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Best for different needs:

Budget: Chase Freedom Flex — 5% rotating gas category with no annual fee, good baseline
Premium: Costco Anywhere Visa — 4% on gas (including Costco), no foreign fees, best for Costco members
Beginners: Chase Freedom Flex — no annual fee, easy 5% rotating categories, no commitment needed
Advanced: Amex Blue Cash Preferred — 3% on gas PLUS 6% on groceries, best overall family card if you use both
Avoid if: You don’t have Costco membership — Anywhere Visa’s gas bonus only applies at Costco