Top Credit Cards for Gas Purchases
With gas prices remaining volatile, a credit card that earns bonus rewards at the pump can save you real money. These cards offer 3-5% back at gas stations.
| Feature | Citi Custom Cash Citi | Amex Blue Cash Preferred American Express |
|---|---|---|
| Annual Fee | $0 | $95 |
| APR | 19.49% - 29.49% | 19.49% - 29.99% |
| Sign-Up Bonus | $200 after $1,500 spend in 6 months | $250 after $3,000 spend in 6 months |
| Base Rewards | 1% on everything | 1% on everything |
| Top Categories | 5% on your top spending category each billing cycle (up to $500) | 3% gas/transit, 6% supermarkets, 6% streaming |
| Foreign Tx Fee | 3% | 2.7% |
| Credit Needed | Good (670+) | Good (670+) |
Pros & Cons
Citi Custom Cash
Pros
- +5% back on gas automatically
- +No annual fee
- +No category activation needed
- +Auto-selects your top category
Cons
- -$500/month cap on 5% category
- -Only 1% base rate
- -Foreign transaction fees
- -Only one 5% category at a time
Amex Blue Cash Preferred
Pros
- +3% on gas + transit
- +6% on groceries too
- +Good multi-category card
- +Consistent earning rate
Cons
- -$95 annual fee
- -Only 3% vs 5% on gas-specific cards
- -Foreign transaction fee
Our Recommendation
The Citi Custom Cash offers the best single-category earning at 5% on gas (if it's your top category). The PenFed Platinum Rewards offers 5x on gas with no annual fee.