The best credit cards for gas
On $2,503 a year of gas, Wells Fargo Autograph pays back the most: 3x, about $179 a year (7.1%) at AwardHack's value for its points. Citi Strata (6.9%) and Citi Strata Premier (6.9%) come next.
Gas stations, and on some cards EV charging. Warehouse club gas stations often don't count.
Top 10 cards for gas
Ranked by what $2,503 a year pays back, after any cap.
- 1Wells Fargo Autograph3x 路 no annual fee7.1%$179 a year
- 2Citi Strata3x 路 no annual fee6.9%$172 a year
- 3Citi Strata Premier3x 路 $95 annual fee6.9%$172 a year
- 4Chase Sapphire Preferred3x 路 $95 annual fee6.0%$150 a year
- 5Wells Fargo Choice Privileges Select5x 路 $95 annual fee5.9%$149 a year
- 6AAA Travel Advantage5% on up to $7,000 a year, then 1% 路 no annual fee5.0%$125 a year
- 7PenFed Platinum Rewards5x 路 no annual fee5.0%$125 a year
- 8Barclays Wyndham Rewards Earner Plus4x 路 $95 annual fee4.8%$119 a year
- 9Barclays Wyndham Rewards Earner Premier4x 路 $395 annual fee4.8%$119 a year
- 10Citi AAdvantage Platinum Select World Elite2x 路 $99 annual fee4.6%$115 a year
Best with no annual fee
- 1Wells Fargo Autograph3x 路 no annual fee7.1%$179 a year
- 2Citi Strata3x 路 no annual fee6.9%$172 a year
- 3AAA Travel Advantage5% on up to $7,000 a year, then 1% 路 no annual fee5.0%$125 a year
- 4PenFed Platinum Rewards5x 路 no annual fee5.0%$125 a year
- 5Citi Costco Anywhere Visa4x on up to $7,000 a year, then 1x 路 no annual fee4.0%$100 a year
Best business cards
- 1Amex Business Gold4x on up to $150,000 a year combined with dining, then 1x 路 4x only in your top 2 of 6 categories each billing cycle 路 $375 annual fee8.0%$199 a year
- 2Barclays Wyndham Rewards Earner Business5x 路 $149 annual fee5.9%$149 a year
- 3Citi AAdvantage Business World Elite2x 路 $99 annual fee4.6%$115 a year
- 4Bank of America Atmos Rewards Business2x 路 $95 annual fee4.1%$103 a year
- 5Barclays Hawaiian Airlines World Elite Business2x 路 $99 annual fee4.1%$103 a year
How these cards are ranked
Each open US card in AwardHack's catalog is scored on $2,503 a year of gas, which is the average US household's 2025 spending on gasoline and other fuels from the Bureau of Labor Statistics. Points are valued at AwardHack's value per point for each program, with airline and hotel points at no more than the bank points that transfer to them; cash back counts at face value.
Spending caps are applied: once a card's bonus rate hits its limit, the rest of the year's spending earns the rate after the cap. Cards with a pick-your-category or rotating bonus are scored at the bonus rate and marked, since you only get it in the category you choose. Caps last checked November 11, 2026. Annual fees are shown but not subtracted, since a fee pays for a card's other benefits too.
Common questions
What is the best credit card for gas?
By what it pays back on $2,503 a year, Wells Fargo Autograph: 3x, about $179 a year at AwardHack's value for its points. The best card for you also depends on its annual fee and whether you'll use its points well.
What is the best no-annual-fee card for gas?
Wells Fargo Autograph, at 3x: about 7.1% back on $2,503 a year. Citi Strata is next at 6.9%.
What is the best business card for gas?
Amex Business Gold, at 4x on up to $150,000 a year combined with dining, then 1x: about 8.0% back on $2,503 a year.
Do gas rewards have spending caps?
Some do. AAA Travel Advantage earns 5% on up to $7,000 a year, then 1%. This ranking applies each cap to $2,503 a year, so a capped card ranks by what it really pays on that much spending.
How are points valued?
At AwardHack's value per point for each program, the same values as the Points Valuator, for example 2.00垄 for Chase Ultimate Rewards and 1.99垄 for Amex Membership Rewards. Airline and hotel points count at no more than the bank points that transfer to them, since a point you can transfer is worth at least the points it becomes. Cash back counts at face value. Points can be worth more or less depending on how you redeem them.