The 5 Best Overlooked Gas Cards

Advertiser Disclosure Editorial Disclosure

There are tens of thousands of credit card offers available in the United States and more than 1,000 issuers of all shapes and sizes. With so much variety, seeing the same four or five credit card offers on website after website can get frustrating. Instead of considering the usual suspects, you may be better off with a lesser-known rewards card that might actually suit you better. Below are our picks for the top often overlooked gas rewards credit cards.

At a Glance

What Are the Most Overlooked and Under-the-Radar Gas Credit Cards?

Here are some of our favorite gas credit cards you might not have otherwise considered:

Sun Country Airlines® Visa Signature® Card

Sun Country Airlines® Visa Signature® Card
Excellent-Good
BestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Credit Needed: Excellent/ Good
Visa Processing Network
$69 Annual Fee

Sun Country Airlines® Visa Signature® Card

  • 19.99% to 27.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 19.99% to 27.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 29.49% variable based on the Prime Rate Cash Advance APR

At a Glance

The Sun Country Airlines® Visa Signature® Card is a dependable airline credit card ideal for those who primarily travel to and from major U.S. cities or whose international travels fall during the popular travel seasons.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 3 points per $1 spent on Sun Country purchases
  • 2 points per $1 spent on gas & groceries
  • 1 point per $1 spent everywhere else
  • No foreign transaction fees
  • Regular Purchase APR: 19.99% to 27.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 19.99% to 27.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 29.49% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
  • Annual Fee: $69
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $35
  • You primarily travel to and from major U.S. cities
  • You plan on visiting in Mexico, Central America, or the Caribbean during peak travel season
  • You will spend $1,500 within the first 3 months and take advantage of the 35,000 sign up bonus points ($350 value)
  • You will spend $10,000 per year to take advantage of the 10,000 bonus points ($100 value)
Sun Country Airlines® Visa Signature® Card

Sun Country Airlines® Visa Signature® Card

Terms & Conditions

When it comes to filling up your tank on your daily commute, the last thing that pops into your head for a credit card is the Sun Country Airlines® Visa Signature®. Despite that, the generous airline rewards card can help get you to your next vacation destination with every swipe as you head to work, home, or anywhere else on your commute.

The card, from FNBO, EARNS 3X points on Sun Country purchases, 2X on gas and groceries, and 1X on all other purchases and also provides a straightforward, no-nonsense sign-up bonus worth approximately $250 towards future travel. Even better, there are no blackout dates when booking award flights through Sun Country! And since Sun Country Airlines currently flies to over 80 destinations throughout the Caribbean, United States, Canada, Mexico, and Central America, there are plenty of great places to visit.

Sun Country credit cardholders also enjoy 50% off seat selections and one bag for both them and a passenger traveling when on the same flight (a potential savings of $55 per person), free priority boarding (a $10 value), and one free premium drink. The only real downer is the $69 annual fee – but if you plan to fly often, this might be a great, under-the-radar gas card option to consider.

 

GM Business Card™

GM Business Card™
Excellent-Good
BestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Credit Needed: Excellent/ Good
Mastercard Processing Network
$0 Annual Fee

GM Business Card™

  • 19.24% to 29.24% variable purchase APR based on creditworthiness. Rates as of 8/1/2023 Regular Purchase APR
  • 29.99% Cash Advance APR
  • 0% for 12 months Intro Purchase APR

At a Glance

The GM Business Card is an auto credit card from Marcus from Goldman Sachs whose earnings can only be applied towards the purchase or lease of a GM vehicle from a dealership. Earn up to 5% with bonus categories for GM purchases, gas, dining, and office supplies.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Get the business card that rewards small business owners with special benefits. Redeem Earnings toward an eligible, new Chevrolet, Buick, GMC or Cadillac
  • Get $750 in Bonus Earnings towards the purchase or lease of an eligible, new GM vehicle after you spend $5,000 on purchases in your first 5 months
  • 5% in Earnings on eligible GM dealership parts, accessories or service purchases
  • 3% in Earnings on purchases at gas stations, restaurants and office supply stores, and 1% on all other purchases
  • No annual fee, no foreign transaction fees or cash advance fees. Late fees may apply
  • 0% Intro APR on purchases for the first 12 months, variable of 19.24% to 29.24% APR after
  • See if you’re approved with no impact to your credit score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score
  • Terms & Limitations Apply. Subject to credit approval
  • Intro Purchase APR: 0% for 12 months
  • Regular Purchase APR: 19.24% to 29.24% variable purchase APR based on creditworthiness. Rates as of 8/1/2023
  • Cash Advance APR: 29.99%
  • Cash Advance Transaction Fee: $0
  • Annual Fee: $0
  • Foreign Transaction Fee: $0
  • Late Payment Penalty Fee: Up to $40
  • You’re looking to expand your current business fleet
  • You have a business association membership to ABC, AGC, or NAHB of America
  • You will need company cards for your employees
  • You’re already enrolled in My GM Rewards
  • You will spend $5,000 within the first 5 months of being a cardmember

Choosing an auto rewards card for gas purchases isn’t that under-the-radar, but when businesses choose an auto card, they can earn some serious rewards to help strengthen their bottom line and reserves. That said, the GM Business Card is an auto credit card from Marcus from Goldman Sachs whose earnings can only be applied towards purchasing or leasing a GM vehicle from a dealership.

The card earns 5% in Earnings on eligible GM dealership parts, accessories, or service purchases, 3% in Earnings on purchases at gas stations, restaurants, and office supply stores, and 1% on all other purchases. There’s the solid introductory bonus of  $750 in Bonus Earnings towards the purchase or lease of an eligible, new GM vehicle after you spend $5,000 on purchases in your first five months, too.

All that sounds great – especially when you factor in the lack of many of the typical fees you see with business cards. That means there are no annual fees, no foreign transaction fees, or cash advance fees. But the downside with the card is that it only offers one redemption choice: the lease or purchase of a GM vehicle.

If your company seeks to expand or replace its fleet, or even if you are a sole proprietor or freelancer looking for a new ride, the lucrative GM Business Card from Marcus might be for you.

Alliant Cashback Visa Signature Credit Card

Alliant Cashback Visa Signature Credit Card
Excellent-Good
BestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Credit Needed: Excellent/ Good
Visa Processing Network
None Annual Fee

Alliant Cashback Visa Signature Credit Card

  • 17.24% to 27.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 17.24% to 27.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 25.24% to 29.24% variable based on the Prime Rate Cash Advance APR

At a Glance

The Alliant Cashback Visa Signature Credit Card offers exceptional cash back rewards, premium travel perks, and no foreign transaction fees. The card also features no annual fee.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Earn up to 2.5% cash back with no categories to keep track of
  • Earn up to $250 in cash back per billing cycle
  • Use this card with Apple Pay, Google Pay, and Samsung Pay
  • No foreign transaction fees
  • Regular Purchase APR: 17.24% to 27.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 17.24% to 27.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: 3% of the amount of each transfer
  • Cash Advance APR: 25.24% to 29.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
  • Penalty APR: 29.99% variable based on the Prime Rate
  • Late Payment Penalty Fee: Up to $27
  • Return Payment Penalty Fee: Up to $27
  • You have excellent credit
  • You plan to spend frequently with a credit card
  • You travel frequently
  • You qualify for an Alliant Credit Union membership
Alliant Cashback Visa Signature Credit Card

Alliant Cashback Visa Signature Credit Card

Terms & Conditions

Another perennially overlooked gas credit card is the Alliant Cashback Visa Signature Credit Card from Alliant Credit Union. This card – which also featured prominently in our recent Best Overlooked Cash Back Credit Cards article – is a powerful cash back card for anyone serious about maximizing their rewards.

The impressive cash back card earns a dizzying 2.5% cash back on your first $10,000 of qualifying eligible purchases and 1.5% back on all purchases once you pass that $10,000 threshold. Receiving that 2.5% back requires an Alliant high rate checking account to maintain an average daily balance of $1,000 for the quarter before the billing statement in which the rewards are earned. Otherwise, you’ll earn a flat-rate 1.5% back on all purchases – still on par with the Upgrade Cash Rewards Visa®.

Joining Alliant Credit Union is easy, so there is no need to worry about confusing eligibility requirements. Beyond the typical eligibility to anyone who lives or works in one of the Illinois counties Alliant serves or who is family of current Alliant Credit Union members, the credit union also welcomes members of the Foster Care to Success (FC2S) organization.

The FC2S organization seeks to help those teens who are aging out of the foster care system and awards grants and scholarships for higher education and provides care packages, mentoring, and internships. Joining FC2S costs a one-time $5 fee – but don’t fret! Alliant will also pay the one-time $5 membership fee to FC2S on your behalf, meaning it’s easy (and free) to join Alliant Credit Union anywhere in the United States.

Ollo Rewards Card

Ollo Rewards Card
Fair-Poor
BestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Credit Needed: Fair/ Poor
Mastercard Processing Network
$0 to $39 Annual Fee

Ollo Rewards Card

  • 23.99% to 28.99% variable based on creditworthiness Regular Purchase APR
  • 23.99% to 28.99% variable based on creditworthiness Balance Transfer APR
  • 23.99% to 28.99% variable based on creditworthiness Cash Advance APR

At a Glance

Earning unlimited cash back has never been easier thanks to the Ollo Rewards Mastercard; earn more from every dollar you spend and save money even as you make everyday purchases. Cardholders will earn 2% cash back on gas, groceries, and drugstore purchases in addition to 1% back on everything else and no surprise fees or penalty APRs. This is how to build credit – the right way.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Low, competitive annual fee
  • Unlimited 2% cash back on gas station, grocery store and drugstore purchases. 1% cash back on all other purchases.
  • No foreign transaction fees, no over the limit fees, no returned payment fees
  • Zero Fraud Liability
  • Regular Purchase APR: 23.99% to 28.99% variable based on creditworthiness
  • Balance Transfer APR: 23.99% to 28.99% variable based on creditworthiness
  • Balance Transfer Transaction Fee: Either $5 or 4% of the amount of each Balance Transfer, whichever is greater
  • Cash Advance APR: 23.99% to 28.99% variable based on creditworthiness
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each Cash Advance, whichever is greater
  • Annual Fee: $0 to $39
  • Late Payment Penalty Fee: Up to $40
  • You want a card with no surprise fees
  • You want Zero Fraud Liability
  • You are looking to build your credit score, or repair it, while earning up to 2% unlimited cash back
  • You want a card with 24/7 customer service and online account access

Having subprime or near-prime credit can make finding a rewards card offering more than 1% back on purchases daunting. The Ollo Rewards Card, however, provides enhanced, unlimited rewards on the type of everyday rewards covered here – including gas. Cardholders earn an unlimited 2% cash back on all gas station, grocery store, and drugstore purchases, plus 1% back on all other purchases. While the rewards redemption options are non-existent (you can use them to pay down your balances), they can help you save significant money on your monthly card bill with responsible use.

And responsible use is the name of the game with Ollo. Ollo credit cards are particularly beneficial for those with limited or fair credit histories, as they offer an opportunity to build or rebuild credit. These cards provide tools and resources for monitoring your credit score, fraud protection through Mastercard, and more.

There are downsides to Ollo. For starters, not everyone can apply. You must receive an invitation from Ollo with a reservation number and an access code to apply, meaning the card might be out of reach for many. Also, the card charges a variable annual fee depending on your credit score (fees range from $0 to $39 annually).

Those without a reservation code should check out the Aspire® Cashback Rewards Credit Card. This subprime rewards card features a higher variable annual fee but provides 3% back on gas, groceries, and utilities and 1% on everything else.

Overlooked Gas Card Honorable Mention

Wells Fargo Autograph Card

Wells Fargo Autograph Card
Excellent-Good
BestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Credit Needed: Excellent/ Good
Visa Processing Network
None Annual Fee

Wells Fargo Autograph Card

  • 20.24%, 25.24%, or 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 20.24%, 25.24%, or 29.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 29.99% variable based on the Prime Rate Cash Advance APR
  • 0% for 12 months Intro Purchase APR

At a Glance

Cardholders can earn up to 3X points on everyday purchases with the Wells Fargo AutographSM Card. The card, which features no annual fee and a year-long 0% intro APR period on purchases, earns 3X points on broad categories, including gas, transit, dining, streaming, and more.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • No foreign transaction fees
  • Earn 3X points on dining, travel, gas, transit, streaming, and phone plans
  • Earn 1X points on all other purchases
  • 0% intro APR for 12 months on purchases
  • Intro Purchase APR: 0% for 12 months
  • Regular Purchase APR: 20.24%, 25.24%, or 29.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 20.24%, 25.24%, or 29.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 5% of the amount of the transfer, whichever is greater
  • Cash Advance APR: 29.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
  • Late Payment Penalty Fee: Up to $40
  • You already bank with Wells Fargo
  • You want a lucrative credit card without rotating categories
  • You don’t want to pay an annual fee

The Wells Fargo Autograph Card is a no annual fee rewards card that specializes in rewarding your everyday purchases, including gas. The card earns up to 3X points per $1 spent on purchases, with those 3X points coming in the following categories:

Dining Travel Gas
Transit Popular Streaming Services Phone Plans

All other purchases with the Autograph Visa Signature earn a single point per dollar spent on purchases (1X per $1 spent). There are no limits to the total number of reward points you can earn, with those points applying towards the Wells Fargo Go Far Rewards Program.  That program provides an extensive range of award options, including:

Travel You can use your Go Far Rewards points to book flights, hotels, car rentals, and more through the Wells Fargo Go Far Rewards Travel Center. Points are typically worth a single cent each for travel redemptions. Wells Fargo does not allow members to transfer points to other airline or hotel loyalty programs.
Statement credits You can redeem your points for cash back as a statement credit or a direct deposit into your Wells Fargo checking or savings account.
Gift cards Wells Fargo offers a wide selection of gift cards from various retailers and restaurants.
Merchandise You can use your points to purchase a variety of merchandise, including electronics, home goods, and more, from the Wells Fargo Go Far Rewards portal.
Donations If you’re feeling generous, you can donate your Go Far Rewards points to a select group of charitable organizations. Check the Wells Fargo website for an up-to-date list of charitable partners.
WF products Rewards apply to direct deposits to Wells Fargo banking accounts. If you have a Wells Fargo mortgage, home equity loan, or personal loan, you may be able to use your points to make payments towards your loan balance.

Beyond the lucrative rewards and lack of an annual fee, the Autograph Card also comes with a lengthy 0% intro APR period of 12 months on purchases, with a competitive, variable rate after that based on creditworthiness. Add on cell phone protection, no foreign transaction fees, and contactless payment and mobile wallet technology, and you have a great rewards card for your day-to-day life.

Check out more

Gas Rewards Credit Cards

Featured image by JirkaF from Pixabay

About: Cory
Cory Santos

Cory is BestCards.com's "Jack of all trades" and resident credit expert, covering all facets of the credit card space. Cory holds academic degrees in both the U.S. and U.K. In addition to credit cards, Cory finds that jogging, cats, and memes are essential parts of a balanced day.

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