- 5%Cash back on gas at Costco
- 4%Cash back on other eligible gas and electric vehicle (EV) charging
Receive a $50 digital Costco Shop Card as a promotional bonus if you join Costco as a new Executive Member and apply and are approved for the credit card at the same time.
Earn 5% cash back on gas at Costco and 4% cash back on other eligible gas and electric vehicle (EV) charging.
18.74%-26.74% Variable APR
The Costco Anywhere Visa® Card by Citi stands out as the top choice because it offers exceptional cash back rewards on gas purchases, making it ideal for frequent Costco shoppers. With no annual fee, it provides significant value for those who already hold a Costco membership.
Pros:
- No annual fee
- High rewards on gas purchases
Cons:
- Requires a paid Costco membership
- Limited to Costco locations for cash rewards redemption
2.Sam’s Club® Mastercard®
Synchrony
- 5%Cash back on eligible purchases
- 3%Cash back on other purchases
Receive an introductory $30 statement credit after opening an account and making $30 in eligible Sam's Club purchases within the first 30 days.
Earn up to 5% cash back on eligible everyday purchases.
20.15%-28.15% Variable APR
What sets the Sam’s Club® Mastercard® apart is its ability to earn cash back on everyday purchases while also serving as a membership card. This dual functionality makes it a practical choice for regular Sam's Club shoppers.
Pros:
- No annual fee
- Doubles as a membership card
Cons:
- Requires a Sam's Club membership
- Limited to Sam's Club and Walmart for maximum rewards
3.Blue Cash Preferred® Card from American Express
American Express
- 6%Cash back at U.S. supermarkets
- 3%Cash back on transit and U.S. gas stations
Earn a welcome bonus of $250 to $300 cash back after spending $3,000 in eligible purchases within the first 6 months.
Earn 6% cash back at U.S. supermarkets and on select U.S. streaming subscriptions.
19.49%-28.49% Variable APR
The Blue Cash Preferred® Card from American Express shines for its high cash back rates on groceries and streaming services, making it an excellent choice for families and frequent shoppers. Its generous welcome bonus further enhances its appeal.
Pros:
- High cash back on groceries
- Introductory annual fee waived for the first year
Cons:
- Annual fee after the first year
- Requires significant spending to offset the fee
4.Citi Custom Cash℠ Card
Citi
- 5%Cash back on top eligible spending category
- 1%Cash back on all other purchases
Earn $200 in cash back after spending $1,500 on purchases within the first 6 months.
Earn 5% cash back on your top eligible spending category per billing cycle.
17.49%-27.49% Variable APR
The Citi Custom Cash℠ Card is notable for its unique ability to adapt to your spending habits, automatically rewarding you with 5% cash back on your highest spending category each month. This flexibility makes it a great option for diverse spenders.
Pros:
- No annual fee
- Flexible cash back categories
Cons:
- Limited to $500 in 5% cash back per billing cycle
- Discontinued for new applications
- 5%Points on gas and EV charging
- 3%Points on groceries and dining
Earn 15,000 bonus points after spending $1,500 in eligible purchases within the first 90 days.
Earn 5× points on gas and EV charging, 3× points on groceries and dining.
17.99% Variable APR
The PenFed Platinum Rewards Visa Signature® Card excels with its industry-leading rewards on gas and EV charging, making it a top choice for drivers. Its no annual fee structure adds to its appeal for budget-conscious consumers.
Pros:
- No annual fee
- High rewards on gas purchases
Cons:
- Requires PenFed membership
- Limited to specific categories for maximum rewards
6.Discover it® Chrome
Discover
- 2%Cash back at gas stations and restaurants
- 1%Cash back on all other purchases
Discover will match all the cash back you earn at the end of your first year.
Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter.
17.49%-26.49% Variable APR
The Discover it® Chrome card shines for its straightforward cash back rewards, making it an excellent choice for those who prefer simplicity without the hassle of tracking rotating categories. Its Unlimited Cashback Match further enhances its value.
Pros:
- No annual fee
- Simple rewards structure
Cons:
- Limited to $1,000 in combined purchases for 2% cash back
- Less lucrative for high spenders
7.Blue Cash Everyday® Card from American Express
American Express
- 3%Cash back at U.S. supermarkets
- 3%Cash back at U.S. gas stations
- 3%Cash back on U.S. online retail purchases
Earn $200 back after you spend $2,000 in purchases on your new Card within the first 6 months.
Earn 3% cash back at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases.
19.49%-28.49% Variable APR
The Blue Cash Everyday® Card from American Express is ideal for those looking to maximize cash back on everyday essentials without the burden of an annual fee. Its robust rewards structure on groceries and gas makes it a strong contender for budget-conscious consumers.
Pros:
- No annual fee
- High cash back on essential categories
Cons:
- Capped at $6,000 per year per category
- Requires significant spending to maximize rewards
Did you know?
Gas station credit card bonuses often cap monthly earn. Confirm merchant category rules and compare base cash back if fuel is only part of your budget.
Final Words
As you explore the best gas credit cards available this July, remember that your choice should align with your spending habits and rewards preferences. Take time to compare options and make informed decisions to maximize your savings at the pump.
Frequently Asked Questions
The Costco Anywhere Visa® Card by Citi offers a welcome bonus of $50 digital Costco Shop Card as a promotional bonus if you join Costco as a new Executive Member and apply and are approved for the credit card at the same time. You can earn 5% cash back on gas at Costco and 4% cash back on other eligible gas and electric vehicle (EV) charging.
With the Sam’s Club® Mastercard®, you can receive an introductory $30 statement credit after opening an account and making $30 in eligible Sam's Club purchases within the first 30 days. You can earn up to 5% cash back on eligible everyday purchases, making it a solid choice for frequent Sam's Club shoppers.
The Blue Cash Preferred® Card from American Express provides a welcome bonus of $250 to $300 cash back after spending $3,000 in eligible purchases within the first 6 months. You can earn 6% cash back at U.S. supermarkets and on select U.S. streaming subscriptions, plus 3% cash back on transit and U.S. gas stations.
Many gas credit cards come with no annual fee, making them accessible to more users. However, some may charge fees based on your credit score or other factors, so it's essential to read the terms carefully before applying.
To choose the best gas credit card, consider factors like the rewards rate on gas purchases, any welcome bonuses, and whether the card charges an annual fee. Additionally, evaluate where you typically buy gas and if the card offers higher rewards at those locations.
Yes, most gas credit cards allow you to earn rewards on various purchases beyond gas, although the rewards may differ based on the category. It's important to check the card's terms to understand how rewards are structured for other spending.
Applying for a gas credit card typically involves filling out an online application form where you'll provide personal and financial information. Ensure that you meet the eligibility criteria, such as income and credit score, to increase your chances of approval.
