Gasoline Co-Branded VS General Rewards Credit Cards

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How to Compare Gas Credit Cards

Credit card is a useful tool for saving at gas stations when you refill. There are several ways of getting rewards for your gas, which are getting a gas station credit card or a regular rewards credit card. The best way to compare these options would first review the overall savings and rewards that you would receive when using a card such as the Drive Savvy Rewards credit card (or a card from whichever gas brand you use). Once you've reviewed the rewards and savings included with the gas card you're considering, compare those features to the potential rewards and savings provided with some of the more basic rewards credit cards. Rewards which you get with a 76 credit card and a regular rewards card may differ a lot. When comparing cards, be sure that you review any interest rates and penalty fees that may be included. Once you have compared all of your options, making your decision should become a much easier process.

SEE OUR TOP REWARDS CREDIT CARD OFFERS TO SAVE MORE

Intro APR, Purch
Regular APR, Purch
Annual Fee
Key Feature
Discover it® Cash Back
0% (14 months)
11.99% - 22.99% Variable APR
$0
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
Intro APR, Purch
0% (14 months)
Regular APR, Purch
11.99% - 22.99% Variable APR
Annual Fee
$0
Key Feature
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
Citi Rewards+® Card
0% (15 months)
13.49% - 23.49% (Variable)
$0
Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
Intro APR, Purch
0% (15 months)
Regular APR, Purch
13.49% - 23.49% (Variable)
Annual Fee
$0
Key Feature
Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
Discover it® Student Cash Back
0% (6 months)
12.99% - 21.99% Variable APR
$0
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Intro APR, Purch
0% (6 months)
Regular APR, Purch
12.99% - 21.99% Variable APR
Annual Fee
$0
Key Feature
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
N/A
15.99% - 24.99% (Variable)
$99, waived for first 12 months
Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants
Intro APR, Purch
N/A
Regular APR, Purch
15.99% - 24.99% (Variable)
Annual Fee
$99, waived for first 12 months
Key Feature
Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants
Discover it® Miles
0% Intro APR (14 months)
11.99% - 22.99% Variable APR
$0
UNLIMITED BONUS: Only Discover will automatically match all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles.  There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
Intro APR, Purch
0% Intro APR (14 months)
Regular APR, Purch
11.99% - 22.99% Variable APR
Annual Fee
$0
Key Feature
UNLIMITED BONUS: Only Discover will automatically match all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles.  There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
Discover it® Student chrome
0% (6 months)
12.99% - 21.99% Variable APR
$0
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Intro APR, Purch
0% (6 months)
Regular APR, Purch
12.99% - 21.99% Variable APR
Annual Fee
$0
Key Feature
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Discover it® chrome
0% (14 months)
11.99% - 22.99% Variable APR
$0
Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Intro APR, Purch
0% (14 months)
Regular APR, Purch
11.99% - 22.99% Variable APR
Annual Fee
$0
Key Feature
Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
N/A
15.99% - 24.99% (Variable)
$99, waived for first 12 months
Earn 2 AAdvantage® miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations.
Intro APR, Purch
N/A
Regular APR, Purch
15.99% - 24.99% (Variable)
Annual Fee
$99, waived for first 12 months
Key Feature
Earn 2 AAdvantage® miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations.
Costco Anywhere Visa® Card by Citi
N/A
15.24% (Variable)
$0
4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
Intro APR, Purch
N/A
Regular APR, Purch
15.24% (Variable)
Annual Fee
$0
Key Feature
4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter

It is possible to boost your savings and lower your gas expenses. And there is always a better credit card offered out there than the one you have in your pocket. The credit cards above give stellar rewards on gas station purchases and on purchases anywhere else. One of the cards can easily be your primary credit card eliminating the need of choosing a credit card every time you are at a gas station or a point of sale. Regular rewards credit cards that are offered by banks and not affiliated with any gas brand will let you earn rewards at any gas station. You won't need to drive in circles looking for a particular gas station. With a regular gas rewards credit card, you can pump at any gas station and get your savings.

Can You Earn Rewards on Gas if Your Credit is Limited?

Nothing is impossible! Today many credit card issuers offer credit cards that come with 0% intro APRs and with rewards, and such credit cards do not always require perfect credit history. People with limited credit and those with average credit are offered an opportunity to save on gas purchases using credit cards. Gas rewards is one of the popular categories in rewards programs that allows you to save at least 1% on gas expenses.

Need another credit card and your credit is not perfect?
Check our offers for fair credit, bad credit or no credit and find the card that fits your life!

SEE WHAT PEOPLE ASK ABOUT GAS CREDIT CARDS

I usually refill at Drive Savvy group (76, Conoco and Phillips 66). I was thinking of their personal credit card, Drive Savvy, but I can't make up how many rewards I'm...

Well, the earning rate is equal to 5c per gallon provided that you purchase 45 gallons or more during the billing cycle. You can earn a maximum of $99 for 12 months. If you want more ability or are frustrated with the complex terms of the card, you may want to consider other cards with rewards.

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I often buy gas at 76 gas stations and wanted to apply for their card but my problem is I do not by that much gas to qualify for their rebate offers. Can you recommend...

If the 76 gas stations are the stations you visit most, we would recommend you to get a regular credit card with gas rewards. Such card will reward you for gas purchases you make everywhere, including at 76 locations. All other purchases will also earn rewards. Regular cards do not have gas spending limits you should meet to earn rewards. However, they may have caps on rewards you can earn in...

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I have bad credit and want to improve it. Do you think 76 gas card will be good for that?

Since your goal is to improve your credit, you should first of all find out if the card is reported to the major credit bureaus. The 76 credit card is issued by Synchrony Bank, so it is reported to at least one credit bureau. As the 76 credit card is a station-branded card, the bank may not want to see applicants with too bad credit. However, at the same time, it is not necessary to have a...

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I have 76 gas card but don't use it as often as I used to because I moved and now there is no 76 gas station near my place. Now I need a new card that will allow me to...

You can get a regular credit card with gas rewards from a major bank. Many major banks have one or two credit cards in their portfolio that offer additional or bigger rewards on gas purchases. Also, you can get a promotional 0% interest rate in addition to gas rewards. The cards can be used everywhere they are accepted because they are not tied to a particular station. So you won’t need to fill...

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5 EASY WAYS TO SAVE ON GAS

Plan routes

1) Plan routes

The less you drive the less you spend on gasoline, so try to plan routes when you are driving outside the city or going to shop at that-mall-we-saw-driving-home-last-weekend. Cutting several miles every week can become hundreds of miles saved annually which can add dozens of dollars to your annual budget.

Avoid gas stations at freeway exits

2) Avoid gas stations at freeway exits

Many gas stations that you encounter just off an exit can charge up to 10 cents more per gallon that stations that are a little farther away from the freeway. So, plan ahead your stops or drive a little farther away from the exit to find a cheaper station.

Take advantage of discounts

3) Take advantage of discounts

Many stations have coupons available for discounts that can be found in various places, like grocery receipts or mails coupons. Local gas stations can offer discounted gift cards online allowing you to save 5% or more on gas. And, if you use smartphone, you can download an app to help you save at the gas pump up to 20¢ per gallon or more.

Take care of your car

4) Take care of your car

A properly maintained car can save more even more money than careful driving or gas price watching. A properly serviced car can increase fuel efficiency as much as 10%. So, make sure you always take care of air filter, change belts when they are loose, align and pump up your tires, and change oil and make general tuneups regularly.

Consider getting a gas rewards credit card

5) Consider getting a gas rewards credit card

When you drive a lot, it can make sense for you to get a credit card that will reward you for buying gas. You can save up to 5% on your gas purchases by simply paying for gas with a gas rewards credit card.

ARE YOU A FREQUENT TRAVELLER? CONSIDER A CREDIT CARD THAT EARNS REWARDS!

  • The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
Updated: September 17, 2021

**For new cardmembers only

+Please see the card's Terms & Conditions for more details of redemption conditions.

The tool is designed by Credit-Land.com for informational purposes only and it is not provided or sponsored by any of our partners. The results provided by this tool are hypothetical and are not influenced by payment considerations. The default calculation is based on data applicable to an average U.S. consumer. Credit-Land.com is not responsible for the consequences of any decisions or actions taken in reliance upon or as a result of the information provided by its tools.

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

 
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