Best Gas Credit Card Rewards of April 2026
The highest gas rate is 5% — but only at specific stations. Here’s what earns the most at any gas station, what co-branded cards actually cost you, and which $0-fee card wins for most drivers.
Best gas credit cards ranked (April 2026)
Best with Costco membership: Costco Anywhere Visa — 4% on all gas stations, 5% at Costco pumps, up to $7,000/year combined.
Best for flat 3% anywhere: Amex Blue Cash Everyday — 3% at U.S. gas stations up to $6,000/year, $0 fee.
| Card | Gas Rate | Where It Works | Annual Fee |
|---|---|---|---|
| Sam’s Club Mastercard | 5% | Sam’s Club gas only (up to $6k/yr) | $0 card fee* |
| Costco Anywhere Visa | 5% Costco / 4% all | Any gas station (up to $7k/yr) | $0 card fee* |
| U.S. Bank Altitude Connect | 4X points | Any gas/EV station (up to $1k/qtr) | $0 |
| Amex Blue Cash Preferred | 3% | U.S. gas stations (up to $6k/yr) | $95 |
| Amex Blue Cash Everyday | 3% | U.S. gas stations (up to $6k/yr) | $0 |
| Discover it Chrome | 2% | Gas stations + restaurants ($1k/qtr cap) | $0 |
* Sam’s Club and Costco cards require active warehouse club memberships ($50–$130/year separately.
Co-branded gas cards vs. general credit cards: which earns more?
Co-branded cards like the Exxon Mobil Smart Card+ offer 12 cents per gallon at Exxon/Mobil stations. A general card earning 4% cash back on a $4.00/gallon fill-up earns 16 cents per gallon — and works at any station, letting you always choose the cheapest price.
The flexibility premium matters more as gas prices vary by location. Being locked to one chain can cost more in pump price than the loyalty card saves in rewards.
EV charging
Both the USB Altitude Connect (4X) and Amex Blue Cash Everyday (3%) explicitly cover EV charging stations at the same rate as gas. This is increasingly important as more drivers transition to electric vehicles.