Except you primarily commute through public transit, likelihood is you have not too long ago stopped to fuel up. Whether or not your complete was a few {dollars} otherwise you ended up paying triple digits to fill your tank, for those who did not use a fuel bank card, you are lacking out on incomes rewards.
At TPG, we’re all about maximizing spending wherever attainable, whether or not meaning maximizing the bonus classes on a cash-back card or transferring your rewards factors to leverage a killer switch bonus.
My family contains my companion, a every day commuter who drives 76 miles round-trip to and from work each weekday. That mileage provides up, which is why I added him as an authorized user on my Costco Anywhere Visa® Card by Citi (see rates and fees).
Out of all of the playing cards I presently maintain, my Costco Wherever Visa provides the very best reward charge on this class — 5% money again on fuel at Costco and 4% money again on different eligible fuel and electrical automobile charging purchases for the primary $7,000 in mixed spend per yr, then 1% thereafter. Due to these charges, utilizing it to refill is a no brainer.
In truth, my February 2025 Costco reward certificates (for all of my 2024 spending) got here in at $226.73. A big portion of that spending fell into two major classes: Costco groceries and Costco and non-Costco fuel fill-ups.
Whether or not you are a highway warrior, an occasional driver or fall someplace within the center, this is why you want a fuel bank card in your pockets — plus our prime picks for the very best fuel playing cards.
One of the best fuel bank cards
*The knowledge for the Wyndham Rewards Earner Enterprise Card, the Wyndham Rewards Earner Plus Card and the U.S. Financial institution Altitude Join Visa Signature Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Evaluating the very best fuel bank cards
Listed below are TPG’s prime suggestions for the very best fuel bank cards.
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| Card | Finest for | Welcome provide | Incomes charges | Annual price |
|---|---|---|---|---|
| Blue Cash Preferred Card from American Express | Households | Earn $250 within the type of a press release credit score after spending $3,000 on eligible purchases throughout the first six months of account opening. |
Money again is obtained within the type of Reward {Dollars} that may be redeemed as a press release credit score or at amazon.com checkout. |
$0 introductory annual price for the primary yr, then $95 (see rates and fees) |
| Bank of America Customized Cash Rewards credit card | Custom-made spending | Earn a $200 on-line money rewards bonus after spending $1,000 on purchases throughout the first 90 days of account opening. |
|
$0 |
| Capital One Quicksilver Cash Rewards Credit Card | Straight-forward money again | Earn a $200 money bonus after spending $500 on purchases throughout the first three months of account opening. |
|
$0 |
| Costco Anywhere Visa Card by Citi | Costco buyers | None |
|
$0, although a Costco membership is required to get this card |
| Chase Freedom Flex | Rotating classes | Earn a $200 bonus after spending $500 on purchases within the first three months of account opening. |
|
$0 |
| Chase Sapphire Preferred Card | Newbies | Earn 60,000 factors after spending $4,000 on purchases within the first three months of account opening. |
|
$95 |
| Chase Freedom Unlimited | Versatile money rewards | Earn a $250 bonus after spending $500 on purchases in your first three months of account opening |
|
$0 |
| Wyndham Rewards Earner Business Card | Enterprise homeowners loyal to Wyndham | Earn as much as 75,000 bonus factors: 50,000 factors after spending $4,000 on purchases and paying the annual price in full inside 90 days of account opening and earn one other 25,000 factors after spending $12,000 on purchases inside 12 months of account opening |
|
$95 |
| Wyndham Rewards Earner Plus Card | Frequent Wyndham visitors | Earn 45,000 bonus factors after spending $1,000 on purchases within the first 90days of account opening. |
|
$75 |
| U.S. Bank Altitude Connect Visa Signature Card | No-annual-fee journey | Earn 20,000 bonus factors after spending $1,000 on internet purchases within the first 90 days of account opening. |
|
$0 |
Blue Money Most well-liked Card from American Specific
Welcome provide: Earn $250 money again after spending $3,000 on eligible purchases throughout the first six months of account opening. Money again is obtained within the type of Reward {Dollars} that may be redeemed as a press release credit score or at amazon.com checkout.
Annual price: $0 intro annual price for the primary yr, then $95 (see rates and fees).
Standout advantages: The Blue Money Most well-liked is a unbelievable starter card for these simply moving into bank card rewards. It provides easy incomes and redeeming choices, however it’s additionally nice for the extra seasoned bank card veteran looking for to maximise their spending throughout a number of classes.
I’ve had this card for 11 years, and each single yr I’ve held it, it has greater than paid for itself due to the tons of of {dollars} I’ve earned in cash-back rewards. I am not an enormous Amazon shopper, however once I do have a few objects in my cart, I will put my Blue Money Most well-liked Reward {Dollars} towards these on-line purchases.
Normally, although, I redeem my money again for assertion credit, which offset a few of my spending on this card. In Might 2024, I reserved a personal room at a Manhattan karaoke bar for a birthday celebration for round $300; greater than half that determine was coated by the money again I had earned on my Blue Money Most well-liked.
This card is good for many who prioritize incomes money again above different currencies, though remember the fact that redemption choices are restricted in comparison with different cash-back playing cards that allow you to pocket rewards by including them to a checking account or opting to obtain a verify in your rewards steadiness.
Although I’ve graduated to different playing cards that earn beneficial journey factors as an alternative of money again, I nonetheless have the Blue Money Most well-liked in my pockets for 2 major causes:
- The as much as $7 month-to-month Disney Bundle assertion credit score (as much as $84 again per calendar yr, topic to auto-renewal; enrollment required, and phrases apply)
- The three% cash-back charge on transit (paying for metered parking hurts a tiny bit much less once I’m incomes rewards on these costs)
Earlier than I made the Costco Anywhere Visa my main fuel bank card, the Blue Money Most well-liked was my go-to due to incomes a good charge of three% money again at U.S. fuel stations.
This, coupled with the crown jewel reward class on this card — 6% money again at U.S. supermarkets (on as much as $6,000 per yr, then 1%) — has earned the Blue Money Most well-liked a well-deserved spot in my pockets yr after yr for over a decade.
For extra particulars, see our full review of the Amex Blue Cash Preferred.
Apply right here: Blue Cash Preferred
Financial institution of America Custom-made Money Rewards bank card
Welcome provide: Earn a $200 on-line money rewards bonus after spending $1,000 on purchases throughout the first 90 days of account opening.
Annual price: $0.
Standout advantages: The Financial institution of America Custom-made Money card would not cost an annual price, so you’ll be able to hold it yr after yr with out worrying about that further expense. Every month you get to pick out which class you need to earn 3% money again in from the next choices:
- Gasoline and EV charging stations
- On-line buying (which incorporates cable, streaming, web and cellphone service costs)
- Eating
- Journey
- Drugstores
- House enchancment/furnishings
Cardholders additionally earn 2% money again on grocery retailer and wholesale membership purchases (which is nice contemplating you often must get a wholesale membership cobranded card to earn rewards at these shops).
Each the two% and three% classes famous above are restricted to a $2,500 most every quarter — when you hit it, you will earn 1% money again on purchases.
In case you’re prioritizing incomes money again and in search of flexibility — or in case your spending varies between a few completely different classes month to month — the Custom-made Money Rewards is a superb card so as to add to your pockets.
One other bonus? If you have already got a relationship with Financial institution of America, chances are you’ll qualify for the Bank of America Preferred Rewards® Program, which may internet you bonuses ranging between 25% and 75% relying on which tier you are in.
For instance, for those who’re a Most well-liked Rewards Program member on the Gold tier (which nets you a 25% bonus), as an alternative of incomes 3% on fuel purchases, you will earn 3.75% money again on every fill-up. Platinum tier members will take pleasure in a 50% bonus and earn 4.5% money again, whereas Platinum Honors, Diamond and Diamond Honors members will every obtain a 75% bonus for a complete of 5.25% money again.
For extra particulars, see our full review of the Bank of America Customized Cash Rewards card.
Apply right here: Bank of America Customized Cash Rewards
Capital One Quicksilver Money Rewards Credit score Card
Welcome provide: Earn a $200 money bonus after spending $500 on purchases throughout the first three months of account opening.
Annual price: $0.
Standout advantages: The Capital One Quicksilver Money Rewards is a strong card for the cash-back fan who sometimes travels however continues to be getting their footing underneath them in the case of bank card rewards.
Although this card would not earn an elevated reward charge within the fuel class, it does earn limitless 1.5% money again throughout all purchases. In case you do not care to trace particular spend classes and desire a (largely) flat-rate earner, the Quicksilver Money Rewards could also be match.
This card additionally offers you entry to Capital One Journey, the place you will earn a standout 5% money again on motels and rental vehicles booked with the Quicksilver Money Rewards card. Keep in mind how I mentioned that is additionally a good journey card? Cardholders take pleasure in no overseas transaction charges when utilizing their card overseas, which is good for a product that does not cost an annual price.
Plus, there is not any minimal redemption quantity, and you’ve got choices in the case of redeeming your money again. You possibly can choose to obtain a press release credit score, verify or reward card or use your reward steadiness on amazon.com purchases and thru PayPal.
Study extra: Capital One Quicksilver Cash Rewards review
Costco Wherever Visa Card by Citi
Welcome provide: None.
Annual price: $0, although a Costco membership is required to get this card.
Standout advantages: Costco followers can simply profit from holding the Costco Wherever Visa. When you have a Costco membership, getting — and retaining — this card prices nothing due to its lack of an annual price (see rates and fees). This card options strong fuel incomes charges and even covers EV charging, making it versatile as effectively.
Costco Wherever Visa Card holders can earn 5% cash-back rewards on fuel at Costco and 4% money again on different eligible fuel and EV charging purchases (as much as $7,000 in mixed spend per yr; then 1%). This implies you are incomes rewards each time you refill your tank or cost your EV, which is particularly helpful for households that use each kinds of automobiles.
One other perk of getting the open-loop Costco Wherever Visa is which you could earn strong cash-back charges in different well-liked classes, like 3% at eating places and on eligible journey purchases. Higher but, the journey charge will be stacked on prime of the two% money again Government members get with their premium membership for a mixed 5% money again on journey purchases. This extra 2% charge applies to the primary $50,000 spent annually at Costco, costco.com and Costco Journey however doesn’t apply to the fuel class. Even so, you are still incomes between 4% and 5% on filling your tank or charging your EV.
Although I like buying at Costco and being a Costco Wherever Visa Card holder, and I personally do not thoughts ready a yr to get my reward certificates every February, I can see how this calendar could also be off-putting to some. In case you favor to earn your bank card rewards on a rolling month-to-month foundation, this card is probably not for you.
The excellent news is that there are many different playing cards to select from that earn elevated reward charges on fuel purchases and provide reward entry extra often.
For extra particulars, see our full review of the Costco Anywhere Visa.
Apply right here: Costco Anywhere Visa
Chase Freedom Flex
Welcome provide: Earn a $200 bonus after spending $500 on purchases within the first three months of account opening.
Annual price: $0.
Standout advantages: The Freedom Flex is well among the best cash-back playing cards available on the market. It earns beneficiant charges in key spend classes, together with 5% money again in rotating bonus classes (on as much as $1,500 in mixed purchases every quarter you activate) and not less than 1% money again throughout all different purchases that do not match into any of its different reward classes.
Gasoline has been included as a bonus class one quarter per yr since TPG started tracking the bonus categories for this card in 2014. Although these classes fluctuate, likelihood is that you’ll make the most of incomes 5% on fuel bills three months out of the yr as a Freedom Flex cardholder.
The Freedom Flex makes it so that you simply’re incomes rewards each time you pay, regardless of the acquisition. This card additionally options some spectacular perks for a no-annual-fee card, corresponding to cellphone safety, buying protections and journey cancellation and interruption insurance coverage.
Whether or not you are getting fuel on a cross-country highway journey or simply filling up in your every day commute, you are incomes — at minimal — 1% money again every time you hit the pump. Plus, whenever you pair this card with one other Chase card that earns Final Rewards factors — just like the Chase Sapphire Preferred Card, the Chase Sapphire Reserve® or the Ink Business Preferred® Credit Card — you’ll be able to convert your money again to this beneficial level forex.
For extra particulars, see our full review of the Chase Freedom Flex.
Apply right here: Chase Freedom Flex
Chase Sapphire Most well-liked Card
Welcome provide: Earn 60,000 factors after spending $4,000 on purchases within the first three months of account opening.
Annual price: $95.
Standout advantages: This card is a workers favourite at TPG due to stellar journey protections and strong incomes charges in well-liked classes. The Sapphire Most well-liked can be a wonderful card for many who are prepared so as to add one other card to their roster that earns beneficial transferable factors.
Gasoline isn’t a selected bonus class on this card, however you’ll earn a flat charge of 1 level per greenback spent whenever you pay with this card on the pump. That will not sound like a lot, however each level you earn on this card is effective since Chase has numerous nice airline and lodge switch companions — and there are sometimes a number of alternatives to make the most of switch bonuses all year long.
The Sapphire Most well-liked is a chameleon, incomes beneficiant reward charges throughout well-liked spending classes, although it actually shines as a journey rewards card.
Cardholders earn 5 factors per greenback spent on journey booked through Chase Journey, plus an as much as $50 annual lodge assertion credit score on motels booked via this portal. My companion has this card, and we make certain to make use of this lodge credit score yearly (which is simple to do because the credit score is utilized routinely with out the necessity for activation).
Cardholders additionally take pleasure in 3 factors per greenback spent on eating, choose streaming companies and on-line groceries and a pair of factors per greenback spent on all different journey purchases.
As a result of this card would not cost overseas transaction charges, you will benefit from the beforehand talked about incomes charges all through the U.S. and overseas, making the Sapphire Most well-liked the proper journey companion.
For extra particulars, see our full review of the Chase Sapphire Preferred.
Apply right here: Chase Sapphire Preferred
Chase Freedom Limitless
Welcome provide: Earn a $250 bonus after spending $500 on purchases in your first three months of account opening.
Annual price: $0.
Standout advantages: Chase Freedom Limitless cardholders will take pleasure in incomes not less than 1.5% money again throughout all purchases exterior of the bonus classes featured on this card.
In case you select this as your main fuel rewards card, you additionally take pleasure in the next incomes charges:
- 5% money again on journey bought via Chase Journey
- 3% money again on drugstore purchases
- 3% money again on eating at eating places — together with takeout and eligible supply companies
A flat cash-back charge in all nonbonus classes means fueling up will routinely earn you 1.5% again on each greenback you spend, and since this card would not include an annual price, getting and retaining it’s a internet constructive yr after yr assuming accountable card utilization.
This card is a superb possibility for card novices and execs alike as a result of it helps fill in any gaps in your reward-earning technique.
Just like the Freedom Flex, the Freedom Limitless means that you can switch your money rewards into Chase Final Rewards factors for those who maintain one other Chase card just like the Sapphire Preferred, the Sapphire Reserve or the Ink Business Preferred.
For extra particulars, see our full review of the Chase Freedom Unlimited.
Apply right here: Chase Freedom Unlimited
Wyndham Rewards Earner Enterprise Card
Welcome provide: Earn as much as 75,000 bonus factors: 50,000 factors after spending $4,000 on purchases and paying the annual price in full inside 90 days of account opening and earn one other 25,000 factors after spending $12,000 on purchases inside 12 months of account opening.
Annual price: $95.
Standout advantages: Along with being a strong earner on fuel purchases — netting a beneficiant 8 factors per greenback spent — this card provides cardholders a reward steadiness increase of 15,000 bonus factors every anniversary yr.
This product makes probably the most sense for small-business homeowners who’re additionally Wyndham loyalists, because it earns 8 factors per greenback spent on Resorts by Wyndham. Others are higher off with a common rewards or journey card.
Along with a good welcome bonus of as much as 75,000 factors, cardholders can maximize their enterprise bills by incomes 5 factors per greenback spent on advertising and marketing, promoting and utilities.
The cherries on prime are the automated Diamond elite standing that confers perks like suite upgrades and a welcome amenity at check-in, the flexibility to get complimentary worker playing cards for simpler expense monitoring and the absence of overseas transaction charges — perfect for the enterprise traveler.
The knowledge for the Wyndham Rewards Earner Enterprise Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Associated: How to pick a strategy for your small-business credit cards
Study extra: Wyndham Rewards Earner Business Card review
Wyndham Rewards Earner Plus Card
Welcome provide: Earn 45,000 bonus factors after spending $1,000 on purchases within the first 90 days of account opening.
Annual price: $75.
Standout advantages: The patron Wyndham Rewards Earner card includes a smaller annual price ($75) than its enterprise counterpart and nonetheless comes loaded with perks.
In case you frequent Wyndham properties, you will take pleasure in incomes 6 factors per greenback spent at Resorts by Wyndham and on fuel purchases, making this card one other sleeper hit in the case of incomes fuel rewards.
This card additionally comes with automated Platinum elite standing and seven,500 bonus factors every anniversary yr.
The knowledge for the Wyndham Rewards Earner Plus Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Study extra: Wyndham Rewards Earner Plus Card review
U.S. Financial institution Altitude Join Visa Signature Card
Welcome provide: Earn 20,000 bonus factors after spending $1,000 on internet purchases within the first 90 days of account opening.
Annual price: $0.
Standout advantages: For a no-annual-fee card, the Altitude Join Visa provides some fairly stellar perks and incomes charges the place you need them — particularly for those who’re a traveler, commuter or foodie:
- 5 factors per greenback spent on pay as you go motels and automobile leases booked instantly within the Altitude Rewards Middle
- 4 factors per greenback spent at fuel and EV charging stations (as much as your first $1,000 every quarter; excludes low cost shops, supercenters and wholesale golf equipment)
- 4 factors per greenback spent on journey purchases made instantly with airways, motels and rental automobile corporations
- 2 factors per greenback spent on eating, on streaming companies and at grocery shops (excluding low cost shops, supercenters and wholesale golf equipment)
Cardholders may take pleasure in as much as $100 in assertion credit towards their TSA PreCheck or International Entry utility price (each 4 years) and a complimentary Precedence Cross membership that permits 4 no-cost visits to over 1,600 airport lounges everywhere in the world.
In terms of incomes factors, do not low cost the Altitude Join Visa. There are different playing cards that earn a extra beneficial reward forex than the factors issued by U.S. Financial institution, but when these bonus classes align together with your spending, this card could be a strong alternative.
The knowledge for the U.S. Financial institution Altitude Join Visa Signature Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Study extra: U.S. Bank Altitude Connect Visa Signature Card review
What to think about when selecting a fuel card
You’ve gotten tons of choices for those who’re trying to decide on a fuel bank card. The excellent news is that we have accomplished numerous the heavy lifting for you. In order for you a card that earns money again or favor one which earns journey rewards factors, you will discover an possibility for you on this listing. This is what else you need to take into consideration earlier than making use of.
Most well-liked rewards
In case you’re into transferable bank card factors and desire a multipurpose product that earns strong rewards throughout a number of classes, a card just like the Chase Sapphire Preferred is a wonderful possibility. In case you’re a cash-back fanatic, think about an possibility just like the Amex Blue Cash Preferred or the Capital One Quicksilver Cash Rewards.
In case you’re nonetheless comparatively new to bank card rewards, a cash-back card might provide a extra snug introduction to incomes and redeeming this particular reward forex. In case you’re keen to begin incomes beneficial factors you’ll be able to switch to companion applications, a product just like the Chase Sapphire Most well-liked could also be extra your velocity because it includes a wholesome welcome bonus and strong switch companions like World of Hyatt, Air Canada Aeroplan and Virgin Atlantic Flying Membership. Simply be sure to prioritize a card that is effectively suited to your wants.
Associated: Who are the Chase Ultimate Rewards transfer partners? Everything to know
Welcome bonus
A welcome bonus presents a stellar alternative to earn a stash of money again, factors or miles relying on the cardboard you select. In terms of making use of for a gas-specific bank card, think about whether or not the welcome bonus provides you respectable worth along with the principle reward classes featured on the cardboard you are contemplating.
For me, getting the Costco Anywhere Visa made sense since I already had a Costco membership and was in search of methods to maximise my reward-earning technique throughout my major spending classes.
Spending habits
One of the best reward technique is one which covers the classes you spend probably the most cash in; for me, groceries, journey, eating, streaming and fuel are massive ones.
I’ve arrange my pockets to incorporate playing cards that cowl all these bases. When selecting your fuel bank card, think about which card will earn you elevated reward charges every time you gasoline up and throughout different classes, too.
Annual price
Annual charges run the gamut from $0 to sky-high. Whether or not you are keen to pay an annual price — or need to keep away from them altogether — our picks for greatest fuel playing cards provide one thing for each finances.
How we selected the very best fuel bank cards
To decide on the very best fuel bank cards, we chosen choices appropriate for several types of budgets and spenders.
We additionally took care to decide on versatile playing cards that earn rewards in well-liked spending classes like streaming, groceries and transit, in addition to playing cards from varied issuers that supply hidden gems like buy safety and even journey delay insurance coverage. For a deeper dive into our choice course of, take a look at our methodology here.
Redemption choices for fuel bank cards
Many of the fuel playing cards on this listing earn money again, although the Chase Sapphire Preferred earns beneficial Final Rewards factors that may be transferred to a number of airline and lodge companions.
One of the best fuel bank card is the one that’s going to construct up your reward forex stash and work in your particular wants.
Backside line
In case you drive a automobile that runs on fuel or must be charged, you want a fuel bank card. In any other case, you are leaving cash on the desk — particularly when there are such a lot of versatile choices in the case of playing cards that earn elevated charges on this class.
If you have already got a Costco membership, think about the Costco Anywhere Visa. In order for you a no-annual-fee fuel card, think about the Bank of America Customized Cash Rewards card. In case you’re keen to pay a sub-$100 annual price and spend rather a lot on groceries along with fuel, you’ll be able to’t go mistaken with the Amex Blue Cash Preferred. You’ve gotten choices, and when you determine what kind of rewards you’d prefer to earn and what your hottest spending classes are, you’ll be able to slim down your choice from there.
For charges and costs of the Amex Blue Money Most well-liked, click on here.
Associated: The best no-foreign-transaction-fee credit cards
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