Compare the top credit cards for gas and EV charging — including brand-specific picks for Costco, ExxonMobil, Shell, and more. Ranked by math — compensation never changes the order.
The best gas card depends on which stations you use. Select your brand and we will show the highest-earning card for that station — including store-specific cards most sites skip.
Enter your monthly gas spend to see annual earnings for every major card after caps and annual fees. Adjust the price-per-gallon to model co-brand vs. general card math.
The U.S. Bank Altitude Connect earns 4× on gas and EV charging (first $1,000/quarter) with no annual fee. The PNC Cash Rewards earns 4% cash back on gas with no fee. Both are the highest no-fee gas rates available.
Compare all cash back cardsThe Exxon Mobil Smart Card+ saves 12¢/gal at ExxonMobil. At current average prices (~$3.40/gal), a 4% general card earns ~13.6¢/gal — more than the co-brand. The Exxon card only wins when prices fall below ~$3.00/gal.
Pair with a grocery cardTop gas cards by gas earn rate, annual fee, and welcome bonus — pulled live from our card database, so it stays in sync with the rankings below.
| Card | Gas earn | Annual fee | Welcome bonus | Score |
|---|---|---|---|---|
| bp rewards Visa® FNBO | 5× | $0 | — | 83 |
| USAA® Cashback Rewards Plus American Express® Credit Card USAA | 5× | $0 | $200 | 83 |
| PenFed Platinum Rewards Visa Signature® Card PenFed | 5× | $0 | $150 | 83 |
| Speedway Rewards Mastercard® Synchrony Bank | 4.5× | $0 | $250 | 75 |
| Citi Strata℠ Card Citi | 3× | $0 | $270 | 68 |
| Verizon Visa® Card Synchrony Bank | 4× | $0 | $150 | 67 |
| U.S. Bank Altitude® Connect Visa Signature® Card U.S. Bank | 4× | $0 | $200 | 67 |
| Shell Performance Elite World Mastercard® First Bank & Trust | 4× | $0 | $50 | 67 |
Ranked by gas-specific score — not a blended category score. Cards that perform best for gas and EV charging spend rank higher here.
The U.S. Bank Altitude Connect and PNC Cash Rewards both earn 4% or 4× on gas with no annual fee. The Exxon Mobil Smart Card+ saves 12 cents per gallon at ExxonMobil stations — at current prices around $3.40/gal that is roughly 3.5%, below 4%. Full cash back card comparison →
Costco only accepts Visa. The Costco Anywhere Visa by Citi earns 4% on gas worldwide for the first $7,000 per year. Among general Visa cards, U.S. Bank Altitude Connect and PNC Cash Rewards both earn 4% with no annual fee and no Costco membership requirement. Best Costco card guide →
Several do but you need to check terms. U.S. Bank Altitude Connect explicitly covers gas and EV charging at 4×. Wells Fargo Autograph includes EV charging at 3×. Citi Strata earns 3× at gas and EV charging. Tesla Superchargers sometimes code as retail rather than fuel — ChargePoint and Electrify America are more reliable.
At current gas prices around $3.40/gallon, 12 cents saves about 3.5% — less than 4% from a general card. The break-even vs. a 4% card is roughly $3.00/gallon. Use the earnings calculator above to model your local prices. The Exxon card also earns 5% on non-fuel ExxonMobil purchases up to $1,200/year.
The Amex Blue Cash Preferred earns 3% at US gas stations and 6% at supermarkets — a strong combo card. For the top gas rate specifically, a dedicated 4% gas card plus a separate grocery card will out-earn a combo card for most spending patterns. Use the wallet calculator to model your specific numbers. Best grocery card options →
Not reliably. Gas stations at Walmart and Target typically code as the parent retailer rather than a standalone gas station — meaning most bonus gas rates do not apply. A flat-rate 2% card is the safest option for superstore gas pumps.
USB Altitude Connect caps gas at $1,000 per quarter ($4,000/yr). PNC Cash Rewards caps all bonus categories combined at $8,000/year. Discover Chrome caps gas plus dining combined at $1,000/quarter. Amex BCE caps gas at $6,000/year. After each cap the rate drops to 1%. Wells Fargo Autograph has no cap on gas or transit.
Yes. The USAA Cashback Rewards Plus earns 5% on gas for the first $3,000 per year with no annual fee — the highest general gas rate available. It also earns 5% at military base stores and 3% on groceries. USAA membership is required for active duty, veterans, and eligible family members.