Best Credit Card for Gas in 2026: Top 5 Picks Compared

Last updated: August 2026

Disclaimer: CardRankr is a credit card comparison website, not a bank, financial institution, or licensed financial advisor. This article is for general informational purposes only and does not constitute financial, legal, or tax advice. Credit card terms, rewards rates, welcome offers, and annual fees are set by the card issuers and may change at any time without notice. Always confirm current terms and conditions on the issuer’s official website before applying for any credit card. Consider your own financial situation carefully before making any credit decision.

Gas is one of the most consistent household expenses in America — the average U.S. driver spends approximately $150 to $250 per month at the pump depending on vehicle type and commute distance. At $200/month, a card earning 3% back on gas generates $72 per year from that single category alone. A flat 1% card earns $24. The right gas rewards card earns three times as much on a category you fill every week regardless of whether you actively optimize your spending.

The gas card market in 2026 has one important update: the Citi Custom Cash Card — which automatically applied 5% to your top eligible category, making it the default pick for gas-dominant spenders — closed to new applications on May 28, 2026. Existing cardholders keep their benefits, but new applicants cannot get it. The best currently available alternatives are the Wells Fargo Autograph (3x on gas, no annual fee, no cap), the Blue Cash Preferred (3% on gas stations, paired with 6% on groceries), and the Costco Anywhere Visa (4% on eligible gas, capped at $7,000/year, $0 annual fee with Costco membership).

One important principle before diving in: the best gas credit card for most drivers is rarely a gas-only card. Gas typically represents 5–10% of total monthly card spending for most households — meaning the card you choose for gas should also earn competitively on the other 90–95% of your spending. A card that earns 3% at gas but 1% everywhere else may earn less total annual cash back than a broad-category card that earns 3% on gas, dining, and transit simultaneously. This guide covers the best cards for gas in the context of total annual value.

Best Credit Cards for Gas 2026 — At a Glance

Card	Best For	Annual Fee	Gas Earn Rate	Gas Spend Cap
Costco Anywhere Visa by Citi	Best gas rate — 4% at eligible stations	$0 (requires Costco membership ~$65/yr)	4% on eligible gas worldwide (incl. Costco)	$7,000/year (then 1%)
Wells Fargo Autograph	Best no-annual-fee gas card — unlimited 3x	$0	3x points at gas stations + EV charging	None (unlimited)
Blue Cash Preferred (Amex)	Best for gas + groceries combo	$0 yr 1, then $95	3% at U.S. gas stations	None (unlimited)
Capital One Savor	Best for gas + dining + groceries at no fee	$0	3% at gas stations (excl. superstores)	None (unlimited)
Bank of America Customized Cash Rewards	Best for BofA customers choosing gas as top category	$0	3% in your chosen category (select gas)	$2,500/quarter combined 3%+2% categories

How We Ranked These Cards

CardRankr’s editorial team evaluated each card using five criteria specific to gas spending. No card issuer paid for placement or influenced our rankings.

Gas earn rate and coverage: The percentage earned at U.S. gas stations and whether the rate applies to national chains (Shell, Chevron, BP, ExxonMobil), warehouse clubs (Costco, Sam’s Club), and EV charging stations — an increasingly relevant consideration as more households add electric vehicles.
Annual cap on gas rewards: Whether the elevated gas earn rate applies to all spending at gas stations or is capped at a monthly or annual limit. Uncapped cards are preferred for high-mileage drivers spending $300+/month on gas.
Companion category earnings: Since gas is typically 5–10% of total household spending, the card must earn competitively on other categories — groceries, dining, and transit — to deliver the highest total annual reward value.
Annual fee math: For any card with an annual fee, we verify that the gas rewards, combined with any other category bonuses, clearly exceed the fee compared to a no-fee alternative at the same gas spend level.
Simplicity and management: Cards that automatically earn the gas rate with no activation, quarterly enrollment, or merchant-specific restrictions are favored over those requiring manual management.

The 5 Best Credit Cards for Gas: Full Reviews

1. Costco Anywhere Visa Card by Citi — Best Gas Earn Rate Available

Annual fee	$0 (requires active Costco membership — Gold Star: ~$65/yr; Executive: ~$130/yr)
Welcome offer (Aug 2026)	None
Top rewards	4% on eligible gas and EV charging worldwide (up to $7,000/yr, then 1%) · 3% on restaurants and eligible travel · 2% on all other Costco and Costco.com purchases · 1% all else

The Costco Anywhere Visa earns 4% on eligible gas worldwide — the highest gas earn rate of any widely accessible general-purpose credit card in the U.S. market in 2026. The 4% applies at Costco gas stations (typically the cheapest gas in most markets), at branded gas stations (Shell, Chevron, BP, ExxonMobil, and others), and at EV charging stations — with a $7,000/year annual cap (approximately $583/month in gas spending before the rate drops to 1%). For the vast majority of U.S. drivers spending $150–$300/month on gas, the $7,000 cap is never reached. For a family or household with two vehicles spending $500+/month on gas combined, the math still favors the Costco card before the cap is hit.

The card charges no annual fee — but requires an active Costco membership ($65/year for Gold Star, $130/year for Executive). For households that already have a Costco membership (over 74 million worldwide), the card is effectively free and the 4% gas rate is a genuine no-cost benefit. The card also earns 3% at restaurants and eligible travel, 2% on all Costco purchases (on top of any Executive member cashback), and 1% elsewhere. Rewards are paid annually in February as a Costco cash voucher redeemable at any Costco warehouse — a redemption structure that requires visiting a Costco, which may or may not suit all cardholders.

Who it’s for: Existing Costco members who are regular drivers and want the highest possible gas earn rate from a no-annual-fee card. Also the best card for households with multiple vehicles or high monthly gas spend that want to maximize the 4% rate before the $7,000 annual cap.

Watch-outs: Requires Costco membership — a $65/year minimum cost that should be factored into the annual fee math. Rewards are paid once per year in February as a Costco voucher, not as flexible cash back — the money must be spent at Costco. No welcome bonus. The 1% on all non-Costco, non-restaurant, non-travel spending is low for non-gas purchases.

2. Wells Fargo Autograph Card — Best No-Annual-Fee Gas Card with No Cap

Annual fee	$0
Welcome offer (Aug 2026)	20,000 pts after $1,000 spend in 3 months ($200 at 1¢/pt)
Top rewards	3x points at gas stations and EV charging stations · 3x restaurants · 3x travel · 3x transit · 3x popular streaming · 3x phone plans · 1x all else · No foreign transaction fee · No cap on any bonus category

The Wells Fargo Autograph is the best no-annual-fee gas card for most households because it earns 3x on gas simultaneously with 3x on five other everyday categories — with no cap on any of them. A driver spending $200/month on gas earns 7,200 points per year from that category alone ($72 at 1¢/pt). Add 3x on dining, transit, streaming, and phone plans, and the Autograph becomes the highest-earning no-annual-fee card for typical American household spending.

Critically, the Autograph earns 3x on both traditional gas stations and EV charging stations — one of the few cards to explicitly cover EV charging at the same elevated rate as gasoline. As EV adoption continues to grow in 2026, this forward-looking benefit becomes more valuable each year. No foreign transaction fee makes the card usable internationally at gas stations and elsewhere without any penalty. NerdWallet named the Autograph its Best No-Annual-Fee Travel Card for 2026. For a full comparison of the Autograph in the no-fee card landscape, see our guide Best Credit Cards with No Annual Fee (2026): Top 6 Picks.

Who it’s for: Drivers who want unlimited 3% on gas with no cap, plus strong rewards on dining, transit, and streaming simultaneously at zero annual fee. The best single card for the average American household that drives regularly, eats out, and wants to earn on multiple everyday categories without paying any annual fee.

Watch-outs: The 3x rate on gas is lower than the Costco Anywhere Visa’s 4%. Wells Fargo Rewards points have limited transfer partner options on the base Autograph (available on the $95 Autograph Journey). The 1x on non-category spending is low — pair with a flat-rate card for non-bonus purchases.

3. Blue Cash Preferred Card from American Express — Best for Gas + Groceries

Annual fee	$0 intro first year, then $95
Welcome offer (Aug 2026)	Up to $300 cash back after $3,000 spend in 6 months
Top rewards	6% at U.S. supermarkets (up to $6,000/yr) · 6% select U.S. streaming · 3% at U.S. gas stations (unlimited) · 3% on transit · 1% all else · $120 Disney Streaming Credit ($10/month)

The Blue Cash Preferred earns 3% at U.S. gas stations with no annual spending cap — but its defining strength is the combination of gas rewards with the highest grocery earn rate available on any mainstream card: 6% at U.S. supermarkets (on up to $6,000/year, then 1%). For households that both fill up regularly and buy groceries at traditional supermarkets, the Blue Cash Preferred is the strongest single card for those two categories combined. A household spending $200/month on gas and $500/month on groceries earns $72/year on gas and $360/year on groceries — $432 combined — against a $95 annual fee, leaving a net benefit of $337 before touching the streaming credit or Disney bundle offset.

The $120 Disney Streaming Credit ($10/month on eligible Disney+, Hulu, and ESPN+ subscriptions) effectively reduces the card’s net annual cost for any household subscribing to one of those services. For a full grocery-focused comparison of the Blue Cash Preferred, see our guide Best Credit Cards for Groceries in 2026: Top 6 Picks Compared.

Who it’s for: Households spending at least $150/month on gas and $400+/month at traditional U.S. supermarkets who want the highest combined gas and grocery earn rate. The best pairing of these two categories on any card — and the $95 annual fee pays for itself from grocery rewards alone for households spending $133+ per month at supermarkets.

Watch-outs: The $95 annual fee (after year one) requires meaningful grocery and gas spending to justify over a no-fee alternative. Gas bonus applies only to U.S. gas stations — not to gas purchased at Costco, Walmart, or other superstores. Grocery bonus also doesn’t apply at superstores. A 2.7% foreign transaction fee makes it unsuitable for international travel spending.

4. Capital One Savor Cash Rewards Credit Card — Best for Gas + Dining + Groceries at No Fee

Annual fee	$0
Welcome offer (Aug 2026)	$250 cash back after $500 spend in 3 months
Top rewards	3% at gas stations (excl. superstores) · 3% dining · 3% grocery stores · 3% entertainment · 3% popular streaming · 8% Capital One Entertainment · No foreign transaction fee

The Capital One Savor earns 3% at gas stations alongside 3% on dining, groceries, entertainment, and streaming — all simultaneously, all unlimited, all at no annual fee. For households where gas is just one of several categories on which they want elevated rewards, the Savor delivers the broadest no-cap 3% coverage of any card on this list. A driver who also eats out regularly and buys groceries earns 3% across all three categories without choosing between them or paying any fee.

No foreign transaction fee makes the Savor usable at international gas stations and elsewhere abroad without any penalty. The $250 welcome offer after just $500 in spending is the highest dollar amount on the most accessible threshold of any card on this list. Cash back can convert to Capital One miles when paired with a Venture or Venture X card, giving gas rewards a travel upgrade path. For a broader look at the Savor’s cash back capabilities, see our roundup Best Cash Back Credit Cards of 2026: Top 7 Picks Compared.

Who it’s for: Drivers who also spend significantly on dining and groceries and want to earn 3% on all three simultaneously at no annual fee. The best one-card approach for households where gas, food, and dining are the primary spending categories.

Watch-outs: Gas bonus does not apply at Walmart, Target, or wholesale clubs — only traditional gas stations and branded chains. The 3% gas rate trails the Costco card’s 4% for maximum gas optimization. Capital One pulls all three credit bureaus at application. The 1% on non-bonus spending is low — pair with a flat-rate card for other purchases.

5. Bank of America Customized Cash Rewards — Best for BofA Customers Choosing Gas

Annual fee	$0
Welcome offer (Aug 2026)	$200 online cash rewards after $1,000 spend in 90 days
Top rewards	3% cash back in your chosen category (select “gas and EV charging”) · 2% at grocery stores and wholesale clubs · 1% all other · Preferred Rewards boost: up to 5.25% on chosen category for Platinum Honors members · Cap: $2,500/quarter combined 3% + 2% category spending (then 1%)

The Bank of America Customized Cash Rewards is unique on this list for its flexible category structure: you choose one of six categories for your 3% earn rate each calendar month, and gas and EV charging is one of the available options. For drivers whose spending pattern changes seasonally or who want the flexibility to switch between gas and other categories (online shopping, dining, travel, drugstores, or home improvement), the Customized Cash Rewards adapts accordingly. Set it to gas for the months you drive most; switch to online shopping or dining when needed.

The card’s most powerful feature for existing Bank of America customers is the Preferred Rewards multiplier. BofA Preferred Rewards members with $100,000+ in combined deposits (Platinum Honors tier) earn a 75% bonus on all categories — boosting the 3% gas rate to 5.25% on gas station spending. That is a higher effective gas earn rate than any other card on this list, including the Costco Anywhere Visa’s 4%. The $2,500/quarter combined cap ($833/month) covers most driving budgets comfortably.

Who it’s for: Existing Bank of America Preferred Rewards members who want the highest possible gas earn rate via the Preferred Rewards multiplier (up to 5.25%), or any driver who wants the flexibility to choose their top reward category monthly. For cardholders without Preferred Rewards status, the Savor or Autograph typically earn more for most spending profiles.

Watch-outs: Without Preferred Rewards status, the 3% gas rate is competitive but not exceptional versus free alternatives. The $2,500/quarter combined cap across the 3% and 2% categories can be a constraint for high-spending households. The Preferred Rewards boost requires maintaining significant deposits at Bank of America — not accessible to all cardholders.

Full Comparison Table

Card	Annual Fee	Gas Earn Rate	Gas Cap	EV Charging?	Best Companion Category	Foreign Transaction Fee
Costco Anywhere Visa	$0 + membership	4%	$7,000/yr	Yes (4%)	Restaurants (3%)	None
Wells Fargo Autograph	$0	3x (unlimited)	None	Yes (3x)	Dining, transit, streaming (all 3x)	None
Blue Cash Preferred	$95 (yr 2+)	3% (unlimited)	None	No	Groceries (6%)	2.7%
Capital One Savor	$0	3% (unlimited)	None	No	Dining, groceries, entertainment (all 3%)	None
BofA Customized Cash Rewards	$0	3% (up to 5.25% w/ Preferred Rewards)	$2,500/quarter combined	Yes (EV in category)	Groceries + wholesale (2%)	3%

How to Choose the Right Gas Card

First: calculate how much you actually spend on gas monthly

The gas card decision depends heavily on your monthly gas spend. A driver spending $100/month on gas earns $48/year at 4% (Costco), $36/year at 3% (Autograph, Savor, BCP), and $24/year at 2% (flat-rate cards). The difference between a 3% and a 4% gas card on $100/month is $12/year — meaningful but not a deciding factor if the 4% card requires a $65/year Costco membership you don’t already have. At $250/month in gas, the 4% versus 3% gap grows to $30/year — still below the Costco membership cost if you wouldn’t already join. For most non-Costco members, the 3% no-fee cards deliver better net value than the 4% Costco card once membership cost is included.

Factor in your other spending categories

Gas rewards alone rarely make the best gas card — the best gas card is the one that earns well on gas AND your other major spending categories. The Wells Fargo Autograph earns 3x on gas, dining, transit, streaming, and phone plans simultaneously — outperforming a pure gas card for most households. The Capital One Savor earns 3% on gas, dining, and groceries simultaneously. If you already have a strong dining or grocery card, a gas-specific card may earn less total annual rewards than a broad-category card that covers gas among several others.

Consider EV charging if you drive an electric vehicle

EV charging is a growing expense category as electric vehicle adoption continues in 2026. The Wells Fargo Autograph explicitly covers EV charging stations at the same 3x rate as gas stations — one of the few no-annual-fee cards to do so. The Bank of America Customized Cash Rewards includes EV charging in its gas category option. If you drive an EV or a hybrid and charge at public stations regularly, confirm that your chosen gas card explicitly covers EV charging at the elevated rate before applying — not all “gas” cards do.

Avoid gas station branded cards

Gas station co-branded cards (ExxonMobil Smart Card, Shell Drive for Five, BP Visa) typically offer per-gallon discounts or rebates at that specific station’s locations only. These are less flexible than general-purpose cards with gas bonuses, which earn rewards at any gas station nationwide. Unless you always fill up at a single gas brand and the per-gallon discount mathematically exceeds what a general rewards card earns, avoid locked-in co-branded gas cards in favor of the flexible options on this list.

Frequently Asked Questions

What is the best credit card for gas in 2026?

For drivers who are already Costco members, the Costco Anywhere Visa by Citi is the best gas card — earning 4% on eligible gas worldwide (up to $7,000/year) at no additional annual fee. For non-Costco members, the Wells Fargo Autograph is the best no-annual-fee gas card — earning an unlimited 3x on gas and EV charging alongside 3x on dining, travel, transit, streaming, and phone plans. For households who also spend heavily on groceries, the Blue Cash Preferred’s combination of 3% on gas and 6% on supermarkets is the strongest two-category option despite its $95 annual fee.

What credit score do I need for a gas rewards card?

The cards on this list require good to excellent credit — a FICO score of 670 or above. The Wells Fargo Autograph and Bank of America Customized Cash Rewards typically approve applicants with scores of 670+. The Blue Cash Preferred and Capital One Savor require good credit at 670+, with the strongest odds above 700. Capital One pulls all three credit bureaus at application for the Savor. The Costco Anywhere Visa by Citi requires good to excellent credit and is issued through Citi’s standard approval process.

Does the Citi Custom Cash Card still earn 5% on gas?

The Citi Custom Cash Card was closed to new applications on May 28, 2026. Existing cardholders continue to use it with all original benefits, including the automatic 5% on the top eligible category (up to $500/month). New applicants cannot apply for the Custom Cash as of August 2026 — Citi currently redirects prospective applicants to the Citi Double Cash. If you hold an existing Citi card and want to explore a product change to the Custom Cash, contact Citi directly, though this option has not been formally confirmed as ongoing.

Are there no-annual-fee options for gas rewards?

Yes — three strong ones. The Wells Fargo Autograph earns unlimited 3x on gas and EV charging (plus five other categories) with no annual fee. The Capital One Savor earns 3% on gas alongside dining, groceries, and entertainment with no annual fee. The Bank of America Customized Cash Rewards earns 3% in your chosen category (including gas) with no annual fee and up to 5.25% for Preferred Rewards Platinum Honors members. The Costco Anywhere Visa is also effectively no-fee for existing Costco members, with the highest 4% gas rate of any card on this list.

Do gas station credit cards earn rewards on EV charging?

It depends on the card. The Wells Fargo Autograph explicitly earns 3x on EV charging stations at the same rate as gas stations — one of the few no-annual-fee cards to do so. The Bank of America Customized Cash Rewards includes EV charging under the gas and EV charging category option. The Blue Cash Preferred and Capital One Savor do not explicitly list EV charging as a separate category — gas station purchases at those cards typically cover traditional fuel only, and EV charging at dedicated charging networks (Tesla Supercharger, ChargePoint, EVgo) may or may not earn the 3% gas rate depending on how the merchant codes. If you drive an EV, confirm EV charging coverage explicitly before applying.

Our Editorial Approach

CardRankr is an independent credit card comparison website. We are not affiliated with any card issuer, and no issuer paid for placement in this guide. All earn rates, annual fees, welcome offers, and gas category terms were verified against issuer websites (costco.com/citi, wellsfargo.com, americanexpress.com, capitalone.com, bankofamerica.com) and leading financial media as of August 2026. Gas reward card terms — including which merchants qualify for bonus rates — change frequently. Always confirm current category eligibility on the issuer’s official website before applying.