Last updated on February 22nd, 2023
Gas rewards are amongst the most sought-after bonus category in credit cards – more so now with skyrocketing gas prices due to inflation. Who doesn’t want to earn points, cash back, or rebates on every purchase at the pump? With so many gas cards on the market, it can be tough to find the right offer for you. Here are our top picks for the best gas rewards credit cards of 2022:
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At a Glance
Citi Custom Cash℠ Card
|Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.|
Sam’s Club® Mastercard®
|Earn 5% cash back on gas (on first $6,000 per year, then 1%), 3% back on Sam's purchases, dining, and takeout, and 1% back on all other purchases.|
PenFed Platinum Rewards VISA Signature® Card
|5X points per dollar spent on gas at the pump and EV charging stations and 3X points on groceries. 1X points on all other purchases||Learn More|
Hilton Honors American Express Surpass® Card
|Earn 6X Hilton Honors points per $1 spent on purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations||Learn More|
Chase Freedom Unlimited®
|Earn 3% cash back on dining at restaurants, including takeout and eligible delivery services||Learn More|
The Best Gas Rewards Credit Cards of 2022
Gas rewards credit cards are cards that offer exclusive rewards on purchases of gasoline at gas stations. Gas credit cards typically provide bonuses like cash back. However, some options let cardholders use their gas savings towards other types of loyalty program rewards. Here are our top picks for the best gas credit cards of 2022:
Citi Custom Cash℠ Card
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter
Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening
The Citi Custom Cash℠ Card is a generous, no annual fee cash back credit card that offers up to 5% back on eligible purchases. Unlike other 5% rotating cards (like the Discover It and Chase Freedom Flex), the Custom Cash earns 5% back on your highest spending category each billing period.
The 5% back in rewards applies to the first $500 spent every billing period. Any eligible purchases after that threshold will earn 1% back. Here are the 5% back categories:
|Dining||Fitness clubs||Grocery stores|
|Drugstores||Gas stations||Home improvement stores|
|Travel & transit (select)||Live entertainment||Streaming service (select)|
Other noteworthy features of the Custom Cash credit card from Citi include 15 months of 0% intro APR on purchases and balance transfers and a $200 cash back welcome bonus after making $750 in purchases within the first three months.
Sam's Club® Mastercard®
Earn 5% cash back on gas anywhere Mastercard is accepted (on first $6,000 per year, then 1%)
Earn 3% cash back on dining and takeout
The Sam’s Club® Mastercard® is a versatile cash back rewards card that offers members exclusive savings and features no annual fee with a valid Sam’s Club membership. The Sam’s Club Mastercard’s major highlight is its impressive savings on gas purchases.
The Sam’s Mastercard earns rewards at a rate of 5% cash back on gas purchases anywhere Mastercard is accepted. While that 5% back is capped on the first $6,000 per year in spending (after that, 1% back on all gas station purchases), that total amounts to $500 per month.
The Sam’s Card also earns 3% back on Sam’s Club purchases for Plus members, with regular members earning 1% back on Sam’s Club purchases. The card also earns 3% back on dining purchases – including takeout. All other purchases with the card receive 1% back other purchases at Sam’s Club and wherever Mastercard is accepted worldwide.
PenFed Platinum Rewards VISA Signature® Card
5X points per dollar spent on gas at the pump and EV charging stations
3X points on groceries
The PenFed Platinum Rewards Visa Signature is an impressive gas rewards card that only misses out on the top spots because of its reduced availability. However, that doesn’t mean that the card isn’t one of the premier gas rewards credit cards today.
From Pentagon Federal Credit Union, the card earns an impressive 5X points per dollar spent on purchases made at gas stations, 3X points for grocery purchases, and 1X points for all other purchases. The card also comes with 15,000 bonus points (after making $1,500 in purchases in the first 90 days), 0% intro APR on balance transfers for the first year, and no annual fee. Moreover, you can redeem your travel points, gift cards, or merchandise shopping.
12X points on hotels and resorts in the Hilton portfolio
6X points on dining at restaurants, including takeout and delivery
6X points at grocery stores and gas stations
The Hilton Honors American Express Surpass® Card is a hotel rewards card that offers so much value for its modest $95 annual fee. Part of that value comes from the 6X points it earns at U.S. gas stations, grocery stores, and U.S. restaurants (including takeout and delivery services). Additionally, the card earns 12X points on eligible purchases at Hilton resorts and properties worldwide.
While the rewards with the Surpass aren’t cash back, Hilton Honors points provide quality value for money. For example, the 6X points on gas have an approximate value of 3.2% cash back – demonstrating why the Surpass makes the cut for “best gas rewards credit cards of 2022.” Hilton Honors points are redeemable for award nights at Hilton properties, shopping for merchandise, pooling with family or friends, or transferable to over 40 airlines.
However, the Surpass provides even greater value beyond the lucrative rewards. The card also provides ten free airport lounge visits annually (upon enrollment) through Priority Pass Select. That benefit is usually a $299 value – more than triple the card’s $95 annual fee!
5% on up to $1,500 on combined purchases in bonus categories each quarter
0% intro APR for 15 months
The Chase Freedom Unlimited® is an unlimited cash rewards credit card with a lucrative welcome bonus for commuters. The card earns enhanced rewards in select categories while enjoying a flat rate of 1.5% back on all other purchases. Those bonus categories are as follows:
- 5% back on travel purchases made through the Ultimate Rewards portal
- 3% back on dining, drugstores, and groceries
New accounts with the Freedom Unlimited also receive a $200 welcome bonus after spending $500 on purchases within the first three months. Additionally, new accounts earn 5% back on gas station purchases on up to $6,000 spent in the first year – not bad for no annual fee.
Other Options to Consider
Want some more gas rewards credit card options to consider? Here are some other popular offers:
The information related to the Citi Custom Cash℠ Card and Citi® Double Cash Card has been collected by BestCards.com and has not been reviewed or provided by the issuer or provider of this product or service.
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