Best Gas Credit Cards
of November 2026
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.
Where Do You Fill Up?
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 a $0 annual fee. The PNC Cash Rewards earns 4% cash back on gas with a $0 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 (3.5% back at ExxonMobil in our data). The Exxon card only wins when prices fall below ~$3.00/gal.
Pair with a grocery card- Quarterly caps USB Altitude Connect: $1,000/qtr ($4,000/yr)
- Combined caps PNC and Discover Chrome cap gas plus dining together
- Costco is Visa only Amex not accepted at Costco
- EV coding Not all gas cards explicitly cover EV charging
- Superstore gas Walmart and Target pumps may not code as gas
Gas Cards Compared
Top gas cards by gas earn rate, annual fee, and welcome bonus. We pull the data live from our card database, so it stays in sync with the rankings below.
| Card | Gas earn | Annual fee | Welcome bonus | Score |
|---|---|---|---|---|
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Live Gas Card Rankings
Ranked by gas-specific score, not a blended category score. Cards that perform best for gas and EV charging spend rank higher here.
EV charging
Driving an EV? A card’s “gas” bonus does not always cover charging: it depends on whether the card names EV charging and how the charger codes (MCC 5552 vs. a gas station code). Home charging usually posts as part of your electric bill. See Best Credit Cards for EV Charging for the cards that name EV charging, with rates, caps and fees, plus a worked example. Buying the EV? Compare electric car loan rates and Tesla financing on Your Best Loan Rates; many credit unions take a fixed amount off the rate for an EV.
Gas Credit Card FAQ
What is the highest cash back rate at gas stations?
The U.S. Bank Altitude Connect (4%, $0 fee) and PNC Cash Rewards (4%, $0 fee) lead the no-fee gas cards. The Exxon Mobil Smart Card+ saves 12 cents per gallon at ExxonMobil stations. At current prices around $3.40/gal, that’s roughly 3.5%, below 4%. Full cash back card comparison →
What is the best card for Costco gas?
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 (4%) and PNC Cash Rewards (4%) earn top no-fee gas rates and no Costco membership requirement. Best Costco card guide →
Do gas credit cards cover EV charging stations?
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 3x at gas and EV charging. Tesla Superchargers sometimes code as retail rather than fuel. ChargePoint and Electrify America are more reliable.
Is the Exxon Smart Card worth it?
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.
Should I use the same card for gas and groceries?
The Amex Blue Cash Preferred earns 3% at US gas stations and 6% at supermarkets. That’s 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 →
Do Walmart or Target gas stations earn bonus rewards?
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.
What are the spending caps on gas cards?
USB Altitude Connect caps gas at $1,000 per quarter ($4,000/yr). PNC Cash Rewards caps bonus categories 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.
Is a USAA gas card worth it for military members?
Yes. The USAA Cashback Rewards Plus earns 5% on gas for the first $3,000 per year with a $0 annual fee. It also earns 5% at military base stores and 3% on groceries. USAA membership is required for active duty, veterans, and eligible family members.