Except you primarily commute through public transit, chances are high you have just lately stopped to fuel up. Whether or not your complete was a few {dollars} otherwise you ended up paying triple digits to fill your tank, when you did not use a fuel bank card, you are lacking out on incomes rewards.
At TPG, we’re all about maximizing spending wherever potential, whether or not which means maximizing the bonus classes on a cash-back card or transferring your rewards factors to leverage a killer switch bonus.
My family consists of my associate, a day by day commuter who drives 76 miles round-trip to and from work each weekday. That mileage provides up, which is why I added him as an approved consumer on my Costco Anyplace Visa® Card by Citi (see charges and charges).
Out of all of the playing cards I at the moment maintain, my Costco Anyplace Visa presents the best reward price on this class — 5% money again on fuel at Costco and 4% money again on different eligible fuel and electrical car charging purchases for the primary $7,000 in mixed spend per yr, then 1% thereafter. Due to these charges, utilizing it to refill is a no brainer.
In reality, my February 2025 Costco reward certificates (for all of my 2024 spending) got here in at $226.73. A big portion of that spending fell into two major classes: Costco groceries and Costco and non-Costco fuel fill-ups.
Whether or not you are a street warrior, an occasional driver or fall someplace within the center, this is why you want a fuel bank card in your pockets — plus our prime picks for the most effective fuel playing cards.
One of the best fuel bank cards
*The knowledge for the Wyndham Rewards Earner Enterprise Card, the Wyndham Rewards Earner Plus Card and the U.S. Financial institution Altitude Join Visa Signature Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Evaluating the most effective fuel bank cards
Listed here are TPG’s prime suggestions for the most effective fuel bank cards.
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| Card | Finest for | Welcome supply | Incomes charges | Annual payment |
|---|---|---|---|---|
| Blue Money Most popular Card from American Specific | Households | Earn $250 within the type of an announcement credit score after spending $3,000 on eligible purchases throughout the first six months of account opening. |
Money again is obtained within the type of Reward {Dollars} that may be redeemed as an announcement credit score or at amazon.com checkout. |
$0 introductory annual payment for the primary yr, then $95 (see charges and charges) |
| Financial institution of America Custom-made Money Rewards bank card | Custom-made spending | Earn a $200 on-line money rewards bonus after spending $1,000 on purchases throughout the first 90 days of account opening. |
|
$0 |
| Capital One Quicksilver Money Rewards Credit score Card | Straight-forward money again | Earn a $200 money bonus after spending $500 on purchases throughout the first three months of account opening. |
|
$0 |
| Costco Anyplace Visa Card by Citi | Costco customers | None |
|
$0, although a Costco membership is required to get this card |
| Chase Freedom Flex | Rotating classes | Earn a $200 bonus after spending $500 on purchases within the first three months of account opening. |
|
$0 |
| Chase Sapphire Most popular Card | Learners | Earn 60,000 factors after spending $4,000 on purchases within the first three months of account opening. |
|
$95 |
| Chase Freedom Limitless | Versatile money rewards | Earn a $250 bonus after spending $500 on purchases in your first three months of account opening |
|
$0 |
| Wyndham Rewards Earner Enterprise Card | Enterprise homeowners loyal to Wyndham | Earn as much as 75,000 bonus factors: 50,000 factors after spending $4,000 on purchases and paying the annual payment in full inside 90 days of account opening and earn one other 25,000 factors after spending $12,000 on purchases inside three hundred and sixty five days of account opening |
|
$95 |
| Wyndham Rewards Earner Plus Card | Frequent Wyndham friends | Earn 45,000 bonus factors after spending $1,000 on purchases within the first 90days of account opening. |
|
$75 |
| U.S. Financial institution Altitude Join Visa Signature Card | No-annual-fee journey | Earn 20,000 bonus factors after spending $1,000 on internet purchases within the first 90 days of account opening. |
|
$0 |
Blue Money Most popular Card from American Specific
Welcome supply: Earn $250 money again after spending $3,000 on eligible purchases throughout the first six months of account opening. Money again is obtained within the type of Reward {Dollars} that may be redeemed as an announcement credit score or at amazon.com checkout.
Annual payment: $0 intro annual payment for the primary yr, then $95 (see charges and charges).
Standout advantages: The Blue Money Most popular is a unbelievable starter card for these simply moving into bank card rewards. It presents easy incomes and redeeming choices, however it’s additionally nice for the extra seasoned bank card veteran looking for to maximise their spending throughout a number of classes.
I’ve had this card for 11 years, and each single yr I’ve held it, it has greater than paid for itself due to the tons of of {dollars} I’ve earned in cash-back rewards. I am not an enormous Amazon shopper, however once I do have a few objects in my cart, I will put my Blue Money Most popular Reward {Dollars} towards these on-line purchases.
Often, although, I redeem my money again for assertion credit, which offset a few of my spending on this card. In Might 2024, I reserved a personal room at a Manhattan karaoke bar for a birthday celebration for round $300; greater than half that determine was lined by the money again I had earned on my Blue Money Most popular.
This card is good for many who prioritize incomes money again above different currencies, though remember the fact that redemption choices are restricted in comparison with different cash-back playing cards that allow you to pocket rewards by including them to a checking account or opting to obtain a examine to your rewards stability.
Although I’ve graduated to different playing cards that earn precious journey factors as an alternative of money again, I nonetheless have the Blue Money Most popular in my pockets for 2 major causes:
- The as much as $7 month-to-month Disney Bundle assertion credit score (as much as $84 again per calendar yr, topic to auto-renewal; enrollment required, and phrases apply)
- The three% cash-back price on transit (paying for metered parking hurts a tiny bit much less once I’m incomes rewards on these fees)
Earlier than I made the Costco Anyplace Visa my main fuel bank card, the Blue Money Most popular was my go-to due to incomes an honest price of three% money again at U.S. fuel stations.
This, coupled with the crown jewel reward class on this card — 6% money again at U.S. supermarkets (on as much as $6,000 per yr, then 1%) — has earned the Blue Money Most popular a well-deserved spot in my pockets yr after yr for over a decade.
For extra particulars, see our full evaluation of the Amex Blue Money Most popular.
Apply right here: Blue Money Most popular
Financial institution of America Custom-made Money Rewards bank card
Welcome supply: Earn a $200 on-line money rewards bonus after spending $1,000 on purchases throughout the first 90 days of account opening.
Annual payment: $0.
Standout advantages: The Financial institution of America Custom-made Money card would not cost an annual payment, so you may hold it yr after yr with out worrying about that further expense. Every month you get to pick which class you need to earn 3% money again in from the next choices:
- Fuel and EV charging stations
- On-line purchasing (which incorporates cable, streaming, web and telephone service fees)
- Eating
- Journey
- Drugstores
- Dwelling enchancment/furnishings
Cardholders additionally earn 2% money again on grocery retailer and wholesale membership purchases (which is nice contemplating you often must get a wholesale membership cobranded card to earn rewards at these shops).
Each the two% and three% classes famous above are restricted to a $2,500 most every quarter — when you hit it, you may earn 1% money again on purchases.
Should you’re prioritizing incomes money again and on the lookout for flexibility — or in case your spending varies between a few completely different classes month to month — the Custom-made Money Rewards is a good card so as to add to your pockets.
One other bonus? If you have already got a relationship with Financial institution of America, it’s possible you’ll qualify for the Financial institution of America Most popular Rewards® Program, which may internet you bonuses ranging between 25% and 75% relying on which tier you are in.
For instance, when you’re a Most popular Rewards Program member on the Gold tier (which nets you a 25% bonus), as an alternative of incomes 3% on fuel purchases, you may earn 3.75% money again on every fill-up. Platinum tier members will get pleasure from a 50% bonus and earn 4.5% money again, whereas Platinum Honors, Diamond and Diamond Honors members will every obtain a 75% bonus for a complete of 5.25% money again.
For extra particulars, see our full evaluation of the Financial institution of America Custom-made Money Rewards card.
Apply right here: Financial institution of America Custom-made Money Rewards
Capital One Quicksilver Money Rewards Credit score Card
Welcome supply: Earn a $200 money bonus after spending $500 on purchases throughout the first three months of account opening.
Annual payment: $0.
Standout advantages: The Capital One Quicksilver Money Rewards is a stable card for the cash-back fan who sometimes travels however remains to be getting their footing below them in terms of bank card rewards.
Although this card would not earn an elevated reward price within the fuel class, it does earn limitless 1.5% money again throughout all purchases. Should you do not care to trace particular spend classes and need a (principally) flat-rate earner, the Quicksilver Money Rewards could also be match.
This card additionally offers you entry to Capital One Journey, the place you may earn a standout 5% money again on lodges and rental vehicles booked with the Quicksilver Money Rewards card. Keep in mind how I mentioned that is additionally an honest journey card? Cardholders get pleasure from no international transaction charges when utilizing their card overseas, which is sweet for a product that does not cost an annual payment.
Plus, there is no minimal redemption quantity, and you’ve got choices in terms of redeeming your money again. You possibly can decide to obtain an announcement credit score, examine or present card or use your reward stability on amazon.com purchases and thru PayPal.
Study extra: Capital One Quicksilver Money Rewards evaluation
Costco Anyplace Visa Card by Citi
Welcome supply: None.
Annual payment: $0, although a Costco membership is required to get this card.
Standout advantages: Costco followers can simply profit from holding the Costco Anyplace Visa. In case you have a Costco membership, getting — and conserving — this card prices nothing due to its lack of an annual payment (see charges and charges). This card options stable fuel incomes charges and even covers EV charging, making it versatile as effectively.
Costco Anyplace Visa Card holders can earn 5% cash-back rewards on fuel at Costco and 4% money again on different eligible fuel and EV charging purchases (as much as $7,000 in mixed spend per yr; then 1%). This implies you are incomes rewards each time you refill your tank or cost your EV, which is very helpful for households that use each kinds of automobiles.
One other perk of getting the open-loop Costco Anyplace Visa is which you can earn stable cash-back charges in different common classes, like 3% at eating places and on eligible journey purchases. Higher but, the journey price might be stacked on prime of the two% money again Government members get with their premium membership for a mixed 5% money again on journey purchases. This extra 2% price applies to the primary $50,000 spent every year at Costco, costco.com and Costco Journey however doesn’t apply to the fuel class. Even so, you are still incomes between 4% and 5% on filling your tank or charging your EV.
Although I really like purchasing at Costco and being a Costco Anyplace Visa Card holder, and I personally do not thoughts ready a yr to get my reward certificates every February, I can see how this calendar could also be off-putting to some. Should you desire to earn your bank card rewards on a rolling month-to-month foundation, this card might not be for you.
The excellent news is that there are many different playing cards to select from that earn elevated reward charges on fuel purchases and supply reward entry extra incessantly.
For extra particulars, see our full evaluation of the Costco Anyplace Visa.
Apply right here: Costco Anyplace Visa
Chase Freedom Flex
Welcome supply: Earn a $200 bonus after spending $500 on purchases within the first three months of account opening.
Annual payment: $0.
Standout advantages: The Freedom Flex is definitely probably the greatest cash-back playing cards available on the market. It earns beneficiant charges in key spend classes, together with 5% money again in rotating bonus classes (on as much as $1,500 in mixed purchases every quarter you activate) and at the least 1% money again throughout all different purchases that do not match into any of its different reward classes.
Fuel has been included as a bonus class one quarter per yr since TPG started monitoring the bonus classes for this card in 2014. Although these classes fluctuate, chances are high that you can reap the benefits of incomes 5% on fuel bills three months out of the yr as a Freedom Flex cardholder.
The Freedom Flex makes it so that you just’re incomes rewards each time you pay, regardless of the acquisition. This card additionally options some spectacular perks for a no-annual-fee card, reminiscent of cellphone safety, purchasing protections and journey cancellation and interruption insurance coverage.
Whether or not you are getting fuel on a cross-country street journey or simply filling up to your day by day commute, you are incomes — at minimal — 1% money again every time you hit the pump. Plus, if you pair this card with one other Chase card that earns Final Rewards factors — just like the Chase Sapphire Most popular Card, the Chase Sapphire Reserve® or the Ink Enterprise Most popular® Credit score Card — you may convert your money again to this precious level forex.
For extra particulars, see our full evaluation of the Chase Freedom Flex.
Apply right here: Chase Freedom Flex
Chase Sapphire Most popular Card
Welcome supply: Earn 60,000 factors after spending $4,000 on purchases within the first three months of account opening.
Annual payment: $95.
Standout advantages: This card is a workers favourite at TPG due to stellar journey protections and stable incomes charges in common classes. The Sapphire Most popular can be a superb card for many who are prepared so as to add one other card to their roster that earns precious transferable factors.
Fuel just isn’t a particular bonus class on this card, however you’ll earn a flat price of 1 level per greenback spent if you pay with this card on the pump. That will not sound like a lot, however each level you earn on this card is effective since Chase has a number of nice airline and resort switch companions — and there are sometimes a number of alternatives to reap the benefits of switch bonuses all year long.
The Sapphire Most popular is a chameleon, incomes beneficiant reward charges throughout common spending classes, although it actually shines as a journey rewards card.
Cardholders earn 5 factors per greenback spent on journey booked through Chase Journey, plus an as much as $50 annual resort assertion credit score on lodges booked by this portal. My associate has this card, and we be certain that to make use of this resort credit score yearly (which is straightforward to do because the credit score is utilized mechanically with out the necessity for activation).
Cardholders additionally get pleasure from 3 factors per greenback spent on eating, choose streaming providers and on-line groceries and a couple of factors per greenback spent on all different journey purchases.
As a result of this card would not cost international transaction charges, you may benefit from the beforehand talked about incomes charges all through the U.S. and overseas, making the Sapphire Most popular the right journey companion.
For extra particulars, see our full evaluation of the Chase Sapphire Most popular.
Apply right here: Chase Sapphire Most popular
Chase Freedom Limitless
Welcome supply: Earn a $250 bonus after spending $500 on purchases in your first three months of account opening.
Annual payment: $0.
Standout advantages: Chase Freedom Limitless cardholders will get pleasure from incomes at the least 1.5% money again throughout all purchases exterior of the bonus classes featured on this card.
Should you select this as your main fuel rewards card, you additionally get pleasure from the next incomes charges:
- 5% money again on journey bought by Chase Journey
- 3% money again on drugstore purchases
- 3% money again on eating at eating places — together with takeout and eligible supply providers
A flat cash-back price in all nonbonus classes means fueling up will mechanically earn you 1.5% again on each greenback you spend, and since this card would not include an annual payment, getting and conserving it’s a internet constructive yr after yr assuming accountable card utilization.
This card is a good possibility for card novices and professionals alike as a result of it helps fill in any gaps in your reward-earning technique.
Just like the Freedom Flex, the Freedom Limitless lets you switch your money rewards into Chase Final Rewards factors when you maintain one other Chase card just like the Sapphire Most popular, the Sapphire Reserve or the Ink Enterprise Most popular.
For extra particulars, see our full evaluation of the Chase Freedom Limitless.
Apply right here: Chase Freedom Limitless
Wyndham Rewards Earner Enterprise Card
Welcome supply: Earn as much as 75,000 bonus factors: 50,000 factors after spending $4,000 on purchases and paying the annual payment in full inside 90 days of account opening and earn one other 25,000 factors after spending $12,000 on purchases inside three hundred and sixty five days of account opening.
Annual payment: $95.
Standout advantages: Along with being a stable earner on fuel purchases — netting a beneficiant 8 factors per greenback spent — this card presents cardholders a reward stability increase of 15,000 bonus factors every anniversary yr.
This product makes essentially the most sense for small-business homeowners who’re additionally Wyndham loyalists, because it earns 8 factors per greenback spent on Lodges by Wyndham. Others are higher off with a basic rewards or journey card.
Along with an honest welcome bonus of as much as 75,000 factors, cardholders can maximize their enterprise bills by incomes 5 factors per greenback spent on advertising and marketing, promoting and utilities.
The cherries on prime are the automated Diamond elite standing that confers perks like suite upgrades and a welcome amenity at check-in, the flexibility to get complimentary worker playing cards for simpler expense monitoring and the absence of international transaction charges — splendid for the enterprise traveler.
The knowledge for the Wyndham Rewards Earner Enterprise Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Associated: Learn how to decide a method to your small-business bank cards
Study extra: Wyndham Rewards Earner Enterprise Card evaluation
Wyndham Rewards Earner Plus Card
Welcome supply: Earn 45,000 bonus factors after spending $1,000 on purchases within the first 90 days of account opening.
Annual payment: $75.
Standout advantages: The patron Wyndham Rewards Earner card includes a smaller annual payment ($75) than its enterprise counterpart and nonetheless comes loaded with perks.
Should you frequent Wyndham properties, you may get pleasure from incomes 6 factors per greenback spent at Lodges by Wyndham and on fuel purchases, making this card one other sleeper hit in terms of incomes fuel rewards.
This card additionally comes with computerized Platinum elite standing and seven,500 bonus factors every anniversary yr.
The knowledge for the Wyndham Rewards Earner Plus Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Study extra: Wyndham Rewards Earner Plus Card evaluation
U.S. Financial institution Altitude Join Visa Signature Card
Welcome supply: Earn 20,000 bonus factors after spending $1,000 on internet purchases within the first 90 days of account opening.
Annual payment: $0.
Standout advantages: For a no-annual-fee card, the Altitude Join Visa presents some fairly stellar perks and incomes charges the place you need them — particularly when you’re a traveler, commuter or foodie:
- 5 factors per greenback spent on pay as you go lodges and automobile leases booked straight within the Altitude Rewards Middle
- 4 factors per greenback spent at fuel and EV charging stations (as much as your first $1,000 every quarter; excludes low cost shops, supercenters and wholesale golf equipment)
- 4 factors per greenback spent on journey purchases made straight with airways, lodges and rental automobile firms
- 2 factors per greenback spent on eating, on streaming providers and at grocery shops (excluding low cost shops, supercenters and wholesale golf equipment)
Cardholders may also get pleasure from as much as $100 in assertion credit towards their TSA PreCheck or World Entry utility payment (each 4 years) and a complimentary Precedence Move membership that permits 4 no-cost visits to over 1,600 airport lounges everywhere in the world.
With regards to incomes factors, do not low cost the Altitude Join Visa. There are different playing cards that earn a extra precious reward forex than the factors issued by U.S. Financial institution, but when these bonus classes align together with your spending, this card generally is a stable selection.
The knowledge for the U.S. Financial institution Altitude Join Visa Signature Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Study extra: U.S. Financial institution Altitude Join Visa Signature Card evaluation
What to contemplate when selecting a fuel card
You could have tons of choices when you’re trying to decide on a fuel bank card. The excellent news is that we have completed lots of the heavy lifting for you. If you need a card that earns money again or desire one which earns journey rewards factors, you may discover an possibility for you on this checklist. Here is what else it is best to take into consideration earlier than making use of.
Most popular rewards
Should you’re into transferable bank card factors and need a multipurpose product that earns stable rewards throughout a number of classes, a card just like the Chase Sapphire Most popular is a wonderful possibility. Should you’re a cash-back fanatic, contemplate an possibility just like the Amex Blue Money Most popular or the Capital One Quicksilver Money Rewards.
Should you’re nonetheless comparatively new to bank card rewards, a cash-back card might supply a extra comfy introduction to incomes and redeeming this particular reward forex. Should you’re keen to start out incomes precious factors you may switch to associate packages, a product just like the Chase Sapphire Most popular could also be extra your pace because it includes a wholesome welcome bonus and stable switch companions like World of Hyatt, Air Canada Aeroplan and Virgin Atlantic Flying Membership. Simply be sure to prioritize a card that is effectively suited to your wants.
Associated: Who’re the Chase Final Rewards switch companions? All the pieces to know
Welcome bonus
A welcome bonus presents a stellar alternative to earn a stash of money again, factors or miles relying on the cardboard you select. With regards to making use of for a gas-specific bank card, think about whether or not the welcome bonus presents you respectable worth along with the principle reward classes featured on the cardboard you are contemplating.
For me, getting the Costco Anyplace Visa made sense since I already had a Costco membership and was on the lookout for methods to maximise my reward-earning technique throughout my major spending classes.
Spending habits
One of the best reward technique is one which covers the classes you spend essentially the most cash in; for me, groceries, journey, eating, streaming and fuel are large ones.
I’ve arrange my pockets to incorporate playing cards that cowl all these bases. When selecting your fuel bank card, contemplate which card will earn you elevated reward charges every time you gas up and throughout different classes, too.
Annual payment
Annual charges run the gamut from $0 to sky-high. Whether or not you are prepared to pay an annual payment — or need to keep away from them altogether — our picks for greatest fuel playing cards supply one thing for each price range.
How we selected the most effective fuel bank cards
To decide on the most effective fuel bank cards, we chosen choices appropriate for several types of budgets and spenders.
We additionally took care to decide on versatile playing cards that earn rewards in common spending classes like streaming, groceries and transit, in addition to playing cards from varied issuers that provide hidden gems like buy safety and even journey delay insurance coverage. For a deeper dive into our choice course of, try our methodology right here.
Redemption choices for fuel bank cards
A lot of the fuel playing cards on this checklist earn money again, although the Chase Sapphire Most popular earns precious Final Rewards factors that may be transferred to a number of airline and resort companions.
One of the best fuel bank card is the one that’s going to construct up your reward forex stash and work to your particular wants.
Backside line
Should you drive a car that runs on fuel or must be charged, you want a fuel bank card. In any other case, you are leaving cash on the desk — particularly when there are such a lot of versatile choices in terms of playing cards that earn elevated charges on this class.
If you have already got a Costco membership, contemplate the Costco Anyplace Visa. If you need a no-annual-fee fuel card, contemplate the Financial institution of America Custom-made Money Rewards card. Should you’re prepared to pay a sub-$100 annual payment and spend rather a lot on groceries along with fuel, you may’t go improper with the Amex Blue Money Most popular. You could have choices, and when you resolve what sort of rewards you’d prefer to earn and what your hottest spending classes are, you may slim down your choice from there.
For charges and charges of the Amex Blue Money Most popular, click on right here.
Associated: One of the best no-foreign-transaction-fee bank cards
