Gasoline Co-Branded VS General Rewards Credit Cards

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How to Compare Gas Credit Cards

Using a credit card to buy your gas can undoubtedly be one of the best ways to save some money. There are essentially two types of cards that will allow you to save money on your fuel purchases, which are gas station credit cards and regular rewards credit cards. 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 Citgo 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. The differences you find between Citgo rewards and other cards may surprise you. 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 closed my BP Visa card with Chase just before the switch over to Synchrony Bank. Now I’m looking for the card that will let me save on gas. Your thoughts?

You can choose a cash back credit card or point rewards credit card that will allow you to earn rewards on all your purchases. But before you start, we recommend you to check your credit scores. You closed your BP Visa card and that means that your overall available credit changed and that could result in credit score change. Once you know your current credit score, visit our gas credit cards...

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I usually refill at Citgo. I was thinking of a rewards credit card of that brand, but I can't make up how many rewards I can get for each refill.

Well, the earning rate varies depending on how long you use the card. At first you get 10¢ on every gallon for the first 3 months, but finally you are left with the rate of 5¢ per gallon. 5 cents per gallon are earned on fuel purchases made at any participating CITGO branded retail location in the United States. If you want more ability or are frustrated with the complex terms of the...

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Can I purchase gasoline with my credit card?

You can purchase gasoline with any credit card, but only if it accepted by the gas station itself. You should also consider whether you get bonuses or cash back on gas purchases or not. Credit cards have different bonus programs, but if you want to benefit from gas purchases, you should look specifically at gas credit cards. These cards are not gas station branded credit cards, which means that...

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I stopped for gas the other day and the guy at the register asked if I wanted to sign up for a Sheetz card. Will applying for this card affect my credit score? What are...

A store loyalty card like the type you were offered isn't actually a credit card, so you don't need to worry about it potentially affecting your credit score one way or the other. The good news about that is, you'll be approved no matter what your credit is like. Anyone can get this kind of card, which lets you earn rewards for making purchases at the gas station or convenience store that issues...

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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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