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Showing 8 Cards
Date Reviewed: March 03, 2020
Clark Crown Endless Rewards Mastercard®
- Regular Purchase APR 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 1.99% for 6 months from account opening date
- Processing Network Mastercard
- No annual fee
- Unlimited 1.5% back on Clark Crown purchases
- Unlimited 1% back on all other purchases
- Rewards never expire
- Intro Purchase APR: 1.99% for 6 months from account opening date
- Regular Purchase APR: 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 1.99% for the first 6 months
- Balance Transfer APR: 15.24% to 25.24% 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: 25.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
- Penalty APR: 27.24% variable based on the Prime Rate
- Foreign Transaction Fee: 1% of each transaction in U.S. dollars. 2% of each transaction made in currencies other than U.S. dollars
- Late Payment Penalty Fee: Up to $40
Date Reviewed: January 27, 2020
Shell Fuel Rewards Mastercard
- Regular Purchase APR 26.49%, variable with the market based on the Prime Rate
- Cash Advance APR 29.95%
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network Mastercard
- Save 30 cents per gallon (up to 20 gallons) on your first five shell fuel purchases made by 10/31/2020
- Save up to 10 cents per gallon, on up to 20 gallons every time you fill up (5 cents per gallon with the card and 5 cents per gallon with Fuel Rewards Gold Status)
- Enjoy 10% Shell rebates on your first $1,200 Shell non-fuel purchases per year
- Enjoy 2% shell rebates on your first $10,000 Dining and Groceries purchases ber year
- Enjoy 1% Shell rebates on all other qualifying purchases
- Rebates are applied as a statement credit against Shell purchases made with your card in future billing cycles
- Regular Purchase APR: 26.49%, variable with the market based on the Prime Rate
- Cash Advance APR: 29.95%
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of each purchase transaction in U.S. Dollars
- Late Payment Penalty Fee: Up to $40
Date Reviewed: January 16, 2020
Ducks Unlimited Visa®
- Regular Purchase APR 19.99% variable based on the Prime Rate
- Balance Transfer APR 19.99% variable based on the Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network Visa
- No annual fee
- Earn Unlimited 1.5% cash back on everyday purchases
- Earn cash back everywhere Visa is accepted
- A portion of every purchase goes towards wetlands conservation efforts
- Regular Purchase APR: 19.99% variable based on the Prime Rate
- Balance Transfer APR: 19.99% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 25.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of each transaction in U.S. dollars
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $35
Date Reviewed: October 15, 2018
BP Visa® Credit Card with Driver Rewards
- Regular Purchase APR 29.99% variable based on the Prime Rate
- Cash Advance APR 29.99% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network Visa
- Earn 25 cents off per gallon for every $100 spent at BP for the first 90 days from account opening
- Earn 15 cents off per gallon for every $100 spent on groceries, dining, and travel purchases
- Earn 5 cents off per gallon for every $100 you spend
- Regular Purchase APR: 29.99% variable based on the Prime Rate
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Foreign Transaction Fee: 3% of each transaction
- Late Payment Penalty Fee: Up to $39
Date Reviewed: October 15, 2018
Techron Advantage® Visa® Card
- Regular Purchase APR 26.99% variable based on the Prime Rate
- Cash Advance APR 29.99% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network Visa
- Earn 20¢ cents per gallon during first 90 days
- Earn 3-7¢ per gallon based on fuel grade (Limited time offer)
- Earn additional 10¢ off per month with monthly spend of $300 OR 20¢ off for $1,000 monthly spend
- No annual fee
- Regular Purchase APR: 26.99% variable based on the Prime Rate
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $39
Date Reviewed: October 15, 2018
CITGO Rewards® Card
- Regular Purchase APR 29.99% variable based on the Prime Rate
- Cash Advance APR 29.99%
- Annual Fee None
- Credit Needed Good , Fair
- Processing Network N/A
- Earn 10 cents on every gallon in fuel statement credits during the first three months of account opening. After that, earn 5 cents per gallon
- No annual fee
- Use your card at more than 5,500 CITGO locations
- No extra cost for adding authorized users to your account
- Regular Purchase APR: 29.99% variable based on the Prime Rate
- Cash Advance APR: 29.99%
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Late Payment Penalty Fee: Up to $39
Date Reviewed: August 21, 2018
Speedy Rewards® Mastercard®
- Regular Purchase APR 21.74% to 27.74% variable based on creditworthiness and Prime Rate
- Balance Transfer APR 21.74% to 27.74% variable based on creditworthiness and Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Good , Fair
- Processing Network Mastercard
- Earn 25,000 bonus points when you spend at least $500 in the first 3 billing cycles
- 50X points per $1 spent at Speedway
- 10X points per $1 spent elsewhere
- Redeem points for items in-store or through the Speedy Rewards Marketplace
- No annual fee
- Regular Purchase APR: 21.74% to 27.74% variable based on creditworthiness and Prime Rate
- Balance Transfer APR: 21.74% to 27.74% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 25.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $35
Date Reviewed: August 21, 2018
ExxonMobil™ Smart Card
- Regular Purchase APR 26.49% variable based on the Prime Rate
- Cash Advance APR 29.95% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Good , Fair
- Processing Network Mastercard
- Get 50¢ off each gallon for the two months by applying through the Speedpass+ app
- Get 12¢ off each gallon of Synergy™ fuel for the first 2 months
- Save 6¢ per gallon on fuel purchases after promotional period
- View monthly itemized fuel costs for each card in your account
- No annual fee
- No foreign transaction fees
- Regular Purchase APR: 26.49% variable based on the Prime Rate
- Cash Advance APR: 29.95% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Late Payment Penalty Fee: Up to $40
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What is a Gas Rewards Credit Card?
Gas rewards credit cards are cards that offer exclusive rewards on purchases of gasoline at gas stations. Gas credit cards typically provide their bonuses like cash back. However, some options let cardholders use their gas savings towards other types of loyalty program rewards. One example of such a card is the PenFed Platinum Rewards Visa Signature, which allows holders to use their rewards for travel, merchandise, and other awards.
Fuel rewards cards are divisible into two unique groups: cards branded for one gas station chain (like the Marathon Visa)and cards that offer savings no matter which station they are used at. The earning rate with these cards varies, from five cents to ten cents per gallon, or 1% to 3% cash back on gas purchases. There are, however, gas cards that earn much more than 3%, with the PenFed Platinum Rewards and the Ducks Unlimited Visa both earning 5% on all gas purchases.
Another common feature of a gas rewards card is no annual fee. This is in line with many other cash back rewards credit cards, which don’t charge cardholders a yearly fee for the privilege of earning savings with their purchases.
How Much Can You Save With A Gas Rewards Card?
Gas rewards credit cards offer significant savings. Taking a card like the Ducks Unlimited Visa as an example shows the value of a gas rewards card. According to statistics, the average American spends approximately $287 per month on gasoline.
Over a year, that equates to $4,644 per year. Because the Ducks Unlimited Visa earns 5% back on gas purchases, using the card to pay for $4,644 in gas earns a whopping $232.20 in cash back.
If you spend even more per month on gas, the rewards are even higher. While very few cards offer 5% back, as the Ducks Unlimited, many cards provide either 1% to 3% back on gas purchases, or five cents off per gallon.
Using the 1% back figure, spending $4,644 on gas with a 1% back gas card earns $46.44 in cash back per year. A 3% cash back card with the same spend would earn $139.32. Not bad for a card with no annual fee.
What to Look for In the Best Credit Cards with Gas Rewards
Gas cards come in different shapes and sizes. When comparing different cards, here’s what to look out for:
- Where Can You Earn Rewards? Do you live near a specific brand of a gas station? Or is there a chain you prefer? Or do you want a credit card that offers you the flexibility to earn rewards no matter where you fill-up or even on everyday purchases?
- Are There Restrictions on Rewards? Does the gas station cap the number of rewards you can earn? Some brand-specific cards limit savings to the first 20 gallons, for example.
- Does the Card Offer a Signup Bonus? Some gas cards come with additional savings for the first few months.
- What Are the Credit Score Requirements? Gas credit cards typically have lower requirements than travel rewards credit cards. Some, however, have stricter rules than others, so make sure you read our comprehensive reviews before applying.
- What Fees Are There? Pay attention to the APR. Is there a 0% intro APR offer? If you plan on using the card outside of the United States, make sure it charges no foreign transaction fees.
Gas Rewards Credit Card FAQs
Here are answers to some of the more frequently asked questions about gas and fuel rewards credit cards:
Is it worth it to get a gas credit card?
- If you frequently purchase gasoline, the answer is yes. Gas and fuel rewards credit cards provide impressive savings for people who fill up regularly on their daily commute.
Do you get free gas with a fuel rewards credit card?
- How rewards are redeemed and earned will vary between credit cards and loyalty programs. With Exxon Mobil Rewards, for example, cardholders earn additional rewards when using the mobile app. Rewards often appear as statement credits, offsetting costs of purchasing fuel.
Are there any gas cards for fair credit?
- Gas rewards credit cards are a type of retrial card. Since they are retail cards, they are typically easier to get than other credit cards, which have higher credit score requirements. A fair credit score is usually enough to get a good fuel rewards credit card. A fair FICO score is above 580 (between 580 – 669).
Do fuel cards work anywhere that sells gas?
- No. Some gas cards or retail cards do not work at all locations. Some Kroger credit cards, for example, do not earn rewards for fill-ups, instead only working at grocery stores. BJs credit cards may also only work for groceries or wholesale purchases – and not fuel. Always read the terms and conditions with a card before applying.
Other Types of Cards to Consider
Not sure if a gas rewards card is right for you? Different types of cards also earn rewards at the fuel pump:
Cash Back Credit Cards
Many cash back credit cards offer savings on gasoline. The most notable of these cards are those with 5% cash back calendars. The Discover It, for example, earns 5% cash back on gas station purchases (plus Uber, Lyft, and wholesale clubs from April through June.
The Chase Freedom is another card that offers rotating 5% back categories – for no annual fee. That card doesn’t provide details of future cash back categories ahead of schedule. Still, gas stations were one of the 5% categories for Q1 of 2020.
Travel Rewards Credit Cards
Some travel rewards credit cards offer savings at the pump as well. These can include general travel rewards cards, airline credit cards, and hotel rewards credit cards. These might be an excellent option for those who want to earn while filling up – and when traveling.
Find Your Best Gas Rewards Card
Trying to find a credit card that gives you rewards on your fuel purchases? BestCards.com has comprehensive and impartial reviews of over 800 top credit with gas rewards on the market today.
Scan our hundreds of reviews, use our comparison tool, and take advantage of our extensive credit card resources and advice. Ready to start looking? Let’s find your best card today!
