We compared the top cash back credit cards for gas spending, from the Blue Cash Preferred's uncapped 3% at the pump to the Costco Anywhere Visa's 5% for members. Here's which card wins for your wallet.
If you're like most drivers, gas is a monthly expense you can't skip — but you can make it sting a little less. The right cash back credit card turns every fill-up into a small rebate. Some cards offer a flat percentage back at all gas stations, while others give you a higher rate but only at specific pumps. Here's what we found after digging through the numbers.
| Card | Best For | Gas Rewards | Annual Fee |
|---|---|---|---|
| Blue Cash Preferred® from American Express | Families & heavy drivers | 3% at U.S. gas stations (uncapped) | $0 intro, then $95 |
| Costco Anywhere Visa® by Citi | Costco members | 5% at Costco gas, 4% elsewhere | $0 (requires Costco membership) |
| Wells Fargo Autograph℠ Card | No-annual-fee simplicity | 3x points on gas stations (uncapped) | $0 |
| Citi Double Cash® Card | Flat-rate simplicity | 2% (1% + 1%) on everything | $0 |
| Apple Card | Daily cash back with no categories | 2% on gas with Apple Pay | $0 |
The Blue Cash Preferred is the card we'd recommend to anyone who spends a lot on gas and groceries. It earns 3% cash back at U.S. gas stations with no cap on how much you can earn1. That's a strong, simple rate that doesn't require you to track rotating categories or hit spending thresholds. It also earns 6% at U.S. supermarkets (up to $6,000/year) and 6% on select streaming subscriptions, making it a strong everyday card for households1. The $95 annual fee (waived first year) is worth it if you spend consistently on gas and groceries.
If you're already a Costco member, this card is a no-brainer. It earns 5% cash back on gas at Costco (up to $7,000/year, then 1%) and 4% on other eligible gas and EV charging worldwide2. That 5% rate is the highest you'll find among cash back cards for gas — but it only applies at Costco fuel stations. For non-Costco gas, the 4% rate is still excellent. There's no annual fee beyond your Costco membership.
The Wells Fargo Autograph is a standout for anyone who wants strong gas rewards without paying an annual fee. It offers unlimited 3x points on gas stations, restaurants, travel, transit, streaming, and phone plans — all with no cap and no annual fee3. The points are worth 1 cent each when redeemed for travel, gift cards, or statement credits, making this effectively a 3% cash back card on gas. It's one of the few no-fee cards that competes directly with premium cards on gas rewards.
Sometimes the simplest option is the best. The Citi Double Cash earns 2% cash back on every purchase — 1% when you buy and 1% when you pay. There are no categories to activate, no caps, and no annual fee. For gas spending, 2% is lower than the category-specific cards above, but it's a great backup card for months when you're not hitting a bonus category or for spending at stations the other cards don't cover.
The Apple Card earns 2% daily cash back on all purchases made with Apple Pay, which includes gas stations that accept contactless payments. There's no annual fee, no categories, and cash back is deposited daily. If you use Apple Pay regularly, this is a solid no-fuss option — though the 2% rate is lower than what the category cards offer.
The choice comes down to how much you spend on gas and where you buy it.
A good strategy: use a category card for gas and groceries, and a flat-rate card for everything else.
Here's something most guides skip: when gas prices drop, percentage-based rewards earn you less absolute cash back, but cents-per-gallon discounts (rare these days) stay flat. With percentage cards like the ones above, a 3% rebate on $4/gallon gas gives you 12¢/gallon; on $3/gallon gas, it's only 9¢/gallon. That's still free money — just something to keep in mind when comparing offers.
The best cash back credit card for gas depends on where you shop and whether you want to pay an annual fee. For most people, the Blue Cash Preferred offers the best all-around value for gas and everyday spending. Costco members should get the Costco Anywhere Visa. And if you want zero fees with solid rewards, the Wells Fargo Autograph is hard to beat.
Disclosure: As an affiliate, AskBuy may earn a commission when you apply for a card through links on this page. Our recommendations are independent and based on research, not commissions.
This page was written by the engine and the engine is still on the line. The conversation below picks up where the article stops.
Yes — the picks above are the engine's current verdicts. Ask a sharper version of this question below and you'll get a custom answer with the latest pricing.