Daily, an auto producer appears to launch a brand new electrical car. EVs are actually in style proper now. Not like conventional vehicles, you’ll be able to skip the fuel pump, however electrical automobiles do must be charged, both at charging stations or at dwelling.
When you’re like me (and most EV house owners), you usually must cost your automobile at public EV charging stations. To take advantage of this unavoidable expense, it is good to pay with a bank card that earns bonus rewards for EV charging. I cease by a charging station a number of occasions every week, and since I am unable to keep away from the price, I ensure that to maximise my spending by incomes further rewards each time.
Beneath, I’ve compiled a listing of eight of the most effective playing cards for EV charging. Along with these playing cards making it attainable to earn probably the most rewards on these purchases, none of them have annual fees over $100. In reality, most have no annual fee in anyway.
Let’s leap into the small print.
Comparability of the most effective playing cards for EV charging
| Card | Welcome supply | Incomes charges on EV charging | Annual charge |
|---|---|---|---|
| Bank of America® Customized Cash Rewards credit card | Earn a $200 on-line money rewards bonus after spending $1,000 on purchases throughout the first 90 days of account opening. | Earn 6% money again (for the primary yr, then 3% again thereafter) on the primary $2,500 in mixed purchases every quarter on choose classes, together with EV charging stations. | $0 |
| Chase Freedom Flex® (see rates and fees) | Earn $200 after spending $500 on purchases within the first three months from account opening. | Earn 5% money again on as much as $1,500 spent on EV charging when included as a quarterly rotating class (then 1% again thereafter; activation required).
If EV charging stations should not a rotating class that quarter, then you definately’ll earn 1% money again. |
$0 |
| Citi Strata Premier® Card (see rates and fees) | Earn 60,000 bonus factors after spending $4,000 on purchases within the first three months of account opening. | Earn a vast 3 factors per greenback spent at EV charging stations. | $95 |
| Costco Anywhere Visa® Card by Citi (see rates and fees) | N/A. | Earn 4% money again at EV charging stations on as much as $7,000 in mixed spending per yr (then 1% again thereafter). | $0 (requires a Costco membership) |
| PenFed Platinum Rewards Visa Signature® Card | Earn 15,000 bonus factors after spending $1,500 on purchases within the first 90 days of account opening.
|
Earn a vast 5 factors per greenback spent at EV charging stations. | $0 |
| Wells Fargo Attune® Card | Earn a $100 money rewards bonus after spending $500 on purchases within the first three months of account opening. | Earn a vast 4% money again at EV charging stations. | $0 |
| Wells Fargo Autograph® Card (see rates and fees) | Earn 20,000 bonus factors after spending $1,000 on purchases within the first three months of account opening. | Earn a vast 3 factors per greenback spent at EV charging stations. | $0 |
| U.S. Bank Cash+® Visa Signature® Card+ | Earn a $200 bonus after spending $1,000 on purchases inside 90 days of account opening. | Earn 5% money again on two classes of your alternative, together with EV charging, on mixed purchases of as much as $2,000 every quarter (then 1% again thereafter). | $0 |
The data for the PenFed Platinum Rewards Visa Signature, the Wells Fargo Attune and the U.S. Financial institution Money+ playing cards has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Financial institution of America Personalized Money Rewards bank card
Welcome supply: Earn a $200 on-line money rewards bonus after spending $1,000 on purchases throughout the first 90 days of account opening.
Annual charge: $0.
Incomes charges:
- Earn 6% money again (for the primary yr, then 3% thereafter) on one of many following classes: eating, drugstores, dwelling enchancment/furnishings, fuel and electrical car charging stations, on-line buying (together with cable, streaming, web and cellphone companies) and journey.*
- Earn 2% money again at grocery shops and wholesale golf equipment.*
- Earn 1% money again on all different purchases.
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*There’s a mixed quarterly spending cap of $2,500; after that, you may earn 1% money again.
Why we prefer it: The Personalized Money has increased quarterly spending caps than different competitor playing cards. In the course of the first yr, you can earn 6% money again on EV charging on as much as $2,500 spent every quarter. Plus, if you happen to’re a member of the Bank of America Preferred Rewards® program, you’ll be able to earn as much as 75% additional cash again.
Nonetheless, after the primary yr, there could also be higher choices, as different playing cards earn a vast 3% in rewards on EV charging.
For extra particulars, learn our full review of the Bank of America Customized Cash.
Apply right here: Bank of America Customized Cash Rewards credit card
Associated: 5 reasons to keep a cash-back credit card in your wallet
Chase Freedom Flex
Welcome supply: Earn $200 after spending $500 on purchases within the first three months from account opening.
Annual charge: $0.
Incomes charges:
Why we prefer it: This card is a stable possibility for on a regular basis spending, as you may earn at the least 1% money again on all purchases. Nonetheless, you are able to do higher on EV charging until it is a part of the 5% quarterly rotating classes. (Activation is required.) The present classes for the third quarter embrace EV charging, fuel, Instacart and choose live entertainment.
Plus, if you happen to pair this card with an Ultimate Rewards-earning card just like the Chase Sapphire Preferred® Card (see rates and fees), you convert cash back to points and have entry to Chase’s spectacular roster of 14 travel partners.
For extra particulars, learn our full review of the Chase Freedom Flex.
Apply right here: Chase Freedom Flex
Associated: 4 reasons why I recommend the Chase Freedom Flex to beginners
Citi Strata Premier Card
Welcome supply: Earn 60,000 bonus factors after spending $4,000 on purchases within the first three months of account opening. Primarily based on TPG’s August 2025 valuations, this bonus is value $1,140.
Annual charge: $95.
Incomes charges:
- Earn 10 factors per greenback spent on inns, automobile leases and points of interest booked by means of the Citi Travel portal.
- Earn 3 factors per greenback spent on purchases within the following classes: air journey, EV charging stations, fuel stations, inns, supermarkets and eating places (together with takeout).
- Earn 1 level per greenback spent on all different purchases.
Why we prefer it: For a modest $95 annual charge, you may earn a vast 3 factors per greenback spent on EV charging. Moreover, you may earn 3 factors per greenback spent at supermarkets. Since most EV chargers are at or close to supermarkets, you are able to do your grocery buying whereas charging your automobile and supercharge your earnings. Plus, this card affords some stable journey protections, and factors are absolutely transferable to any of Citi’s travel partners.
Personally, I’m contemplating including this card to my pockets subsequent, particularly since Citi lately added American Airlines as a transfer partner.
For extra particulars, learn our full review of the Citi Strata Premier.
Apply right here: Citi Strata Premier Card
Associated: When (and why) you should downgrade from the Citi Strata Premier to the Citi Strata Card
Costco Wherever Visa Card
Welcome supply: None, however you might be able to obtain a welcome supply if you happen to apply in a Costco warehouse.
Annual charge: $0 (Costco membership is required).
Incomes charges:
- Earn 5% money again on fuel at Costco and 4% money again on different fuel and EV charging purchases on as much as $7,000 in mixed spending per yr, then 1% money again thereafter.
- Earn 3% money again at eating places and on eligible journey purchases, together with Costco Journey.
- Earn 2% money again on all different Costco purchases.
- Earn 1% money again on all different purchases.
Why we prefer it: Cardholders can earn 4% money again on EV charging on as much as $7,000 spent per yr. Plus, if you happen to store at Costco ceaselessly, you’ll be able to earn bonus money again on any purchases made on the wholesaler.
The one disadvantage of this card is that it requires a Costco membership, which prices at the least $65 per yr. Moreover, money again is simply issued as soon as per yr, which isn’t supreme for many who like to make use of their earned rewards month-to-month. The money again you earn can also be issued as a reward certificates; to obtain money on your money again, you may have to enter a bodily Costco location to redeem the reward certificates.
For extra particulars, learn our full review of the Costco Anywhere Visa.
Apply right here: Costco Anywhere Visa Card
Associated: How my Costco Anywhere Visa Card by Citi is a workhorse when it comes to cash back
PenFed Platinum Rewards Visa Signature Card
Welcome supply: Earn 15,000 bonus factors after spending $1,500 on purchases within the first 90 days of account opening.
Annual charge: $0.
Incomes charges:
- Earn 5 factors per greenback spent on fuel paid on the pump and at EV charging stations.
- Earn 3 factors per greenback spent at supermarkets (together with most Goal and Walmart places) and eating places, and on TV, radio, cable and streaming companies.
- Earn 1 level per greenback spent on all different purchases.
Why we prefer it: EV house owners will take pleasure in incomes a vast 5 factors per greenback spent on EV charging. Plus, the grocery store class consists of most Goal and Walmart places, one thing sometimes not discovered on most bank cards. Plus, the cardboard has cellphone safety and no international transaction charges, which is nearly remarkable to have collectively on a no-annual-fee card.
The one draw back is sort of an enormous one: Factors cannot be redeemed for money again, and there are not any switch companions. Factors can solely be redeemed for reward playing cards, buying or journey booked by means of PenFed’s rewards portal at a fee of lower than 1 cent per level.
That mentioned, you do not have to be a PenFed member to use for a bank card.
Wells Fargo Attune Card
Welcome supply: Earn a $100 money rewards bonus after spending $500 on purchases within the first three months of account opening.
Annual charge: $0.
Incomes charges:
- Earn 4% money again on self-care, together with magnificence and barbershops; health club memberships and health studios; well being and wonder spas; and therapeutic massage parlors.
- Earn 4% money again on sports activities, recreation and leisure.
- Earn 4% money again on planet-friendly purchases, together with antiques and secondhand shops, EV charging stations and public transit (equivalent to buses, ferries and trains).
Why we prefer it: The Wells Fargo Attune is one other wonderful cash-back possibility with no annual charge for EV house owners. You will earn a vast 4% money again on purchases categorized as “planet-friendly purchases,” together with EV charging. Plus, there is a laundry record of different distinctive classes normally excluded from bonus earnings that you would be able to earn 4% money again on.
Moreover, if you happen to pair this card with an Autograph card, you’ll be able to convert your money again to factors and have entry to Wells Fargo’s transfer partners.
Associated: Best Wells Fargo credit cards
Wells Fargo Autograph Card
Welcome supply: Earn 20,000 bonus factors after spending $1,000 on purchases within the first three months of account opening.
Annual charge: $0.
Incomes charges:
- 3 factors per greenback spent on eating (consists of takeout, catering and meals supply companies).
- 3 factors per greenback spent on journey (airfare, inns, automobile leases, cruises and extra).
- 3 factors per greenback spent at fuel stations and EV charging stations.
- 3 factors per greenback spent on transit, eligible streaming companies and cellphone plans.
- 1 level per greenback spent on different purchases.
Why we prefer it: EV house owners will earn a vast 3 factors per greenback spent on EV charging with no annual charge. Plus, a number of different helpful on a regular basis spending bonus classes supply a vast 3 factors per greenback. These factors could be transferred to Wells Fargo’s small however mighty roster of seven switch companions.
For extra particulars, learn our full review of the Wells Fargo Autograph.
Apply right here: Wells Fargo Autograph Card
Associated: Wells Fargo Autograph vs. Autograph Journey: Should you pay an annual fee for more benefits?
U.S. Financial institution Money+ Visa Signature Card
Welcome supply: Earn a $200 bonus after spending $1,000 on purchases inside 90 days of account opening.
Annual charge: $0.
Incomes charges:
- Earn 5% money again on pay as you go air, lodge and automobile reservations booked by means of the U.S. Financial institution Rewards Journey Heart.
- Earn 5% money again on as much as $2,000 spent in two classes of your alternative every quarter, then 1% money again thereafter. Out there classes embrace cellphone suppliers, department shops, digital shops, quick meals, furnishings shops, floor transportation, gyms and health facilities, dwelling utilities, film theaters, choose outfitters, sporting items shops and TV, web and streaming.
- Earn 1% money again on all different purchases.
Why we prefer it: With this card, you’ll be able to choose two quarterly 5% cash-back classes to make use of for purchases totaling as much as $2,000. That is good as a result of it means that you can earn an extra 5% on one other class, as it’s unlikely you may spend $2,000 on EV charging per quarter until you are a real street warrior.
For extra particulars, learn our full review of the U.S. Bank Cash+.
Associated: Why you may want a cash-back card
Take into account a flat-rate incomes card
If not one of the choices above enchantment to you, contemplate a flat-rate earning card, additionally generally known as a catchall card. These playing cards sometimes earn the identical fee on all purchases, together with EV charging, that means you do not have to recollect bonus classes and make sure you’re utilizing the suitable card for every buy.
A few of our high picks embrace:
The data for the Apple Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Associated: The best credit cards to add to your wallet
What if I cost at dwelling?
For EV house owners who cost their automobile at dwelling, their utility firm will normally invoice them. Due to this fact, lots of the choices listed above would probably solely earn 1% in rewards.
When you cost at dwelling most ceaselessly, my choose is the Venmo Credit Card. With this card, you may earn 3% money again within the class you spend probably the most in, together with utilities. You do not have to pick out any classes, and Venmo will mechanically change this class based mostly in your spending patterns.
This was my go-to EV charging card once I beforehand lived in a townhome and charged my automobile in my storage since all my charging prices had been funneled by means of my electrical invoice.
The data for the Venmo Credit score Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
The U.S. Bank Cash+ is one other stable possibility. You’ll be able to choose dwelling utilities as one in all your two quarterly classes and earn 5% money again on purchases totaling as much as $2,000.
Lastly, you can use any of the flat-rate playing cards talked about above to cowl utility purchases.
Associated: Cash back vs. travel rewards: How to choose a credit card
Backside line
Proudly owning an electrical car can prevent a whole bunch annually by not having to go to the fuel pump. Nonetheless, you’ll have to cease at EV charging stations to maintain your automobile powered.
Including one in all these playing cards to your pockets can make sure you’re maximizing the rewards you earn the following time you plug your automobile in.
Associated: The best gas credit cards to add to your wallet
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