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Gas station credit cards or
rewards credit cards?

Many gas stations offer branded credit cards that may help you save money at the pump. But are they really good at it? Will you benefit from having a gas-branded credit card? Let's take the CITGO Rewards Credit Card. It may save you a lot but only at participating CITGO locations, which already limits your options. If you compare the CITGO credit card with a regular gas rewards credit card, you will see the difference, and which card is the best credit card for gas rewards.

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Compare rewards credit cards to find the best

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Compare travel credit cards to find the best

VIEWING 1 - 4 of 12

our choice

Rating 5.0
on Discover's secure website

Excellent/Good Credit 

Rating 3.0
Offer is not available on Credit-Land.com

Excellent/Good/Fair Credit 

Rating 5.0
on Citi's secure website

Excellent, Good Credit 

Rating 4.4
on Citi's secure website

Excellent, Good Credit 

Rating 4.7
on Citi's secure website

Excellent, Good Credit 

Rating 5.0
on Discover's secure website

Excellent/Good Credit 

Rating 4.7
on Discover's secure website

Fair/New to Credit 

REWARDS
Rewards bonus
INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Earn 10¢ on every gallon* in fuel statement credits for the first 3 months from the date your account is opened.9
Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
Earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
No
INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
Savings per gallon**
Up to 13.75¢ per gallon at All Gas Stations
  • Up to 5¢ per gallon at Citgo Gas Station
  • No Rewards at Other Gas Stations
Up to 5.5¢ per gallon at All Gas Stations
Up to 8.25¢ per gallon at All Gas Stations
Up to 5.5¢ per gallon at All Gas Stations
Up to 5.5¢ per gallon at All Gas Stations
Up to 13.75¢ per gallon at All Gas Stations
Rewards on Gas
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.
$0 liability on unauthorized charges.9
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.
Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
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.
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.
Rewards on everyday purchases
1% unlimited cash back on all other purchases - automatically
No rewards9
Earn 1X ThankYou® Points on All Purchases
Earn 1 Point per $1 spent on all other purchases
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
1% unlimited cash back on all other purchases - automatically
1% unlimited cash back on all other purchases - automatically
Rewards expiration
Rewards never expire
All Rewards will be forfeited if your Card Account is closed.9
Points do not expire provided your account is active and in good standing
Points do not expire provided your account is active and in good standing
Your cash rewards balance will expire if you have not earned any cash back from purchases or payments for 12 months
Cash rewards never expire.
Rewards never expire
Available gas stations
ANY
CITGO ONLY9
ANY
ANY
ANY
ANY
ANY
RATES AND FEES
Intro APR on purchases
0% (14 months)
No intro APR9
0% (15 months)
N/A
N/A
0% (14 months)
0% (6 months)
Regular APR
11.99% - 22.99% Variable APR
29.99%9
13.49% - 23.49% (Variable)
15.99% - 23.99% (Variable)
13.99% – 23.99% (Variable)
11.99% - 22.99% Variable APR
12.99% - 21.99% Variable APR
Annual fee
$0
$09
$0
$95
$0
$0
$0
Foreign transaction fee
None
n/a9
3%
0%
3%
None
None

More about
top credit card WITH REWARDS
2021

Discover it® Cash Back apply
on Discover's secure website
Rating 5.0

GREAT BONUS OFFER

INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

GOOD REWARDS

  • 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.

Expert's opinion

The no annual fee Discover it® Cash Back card has rotating category bonuses that change every year and gas purchases appear in the bonus category once a year. Earnings in categories are as high as 5% cash back up to the quarterly maximum (activation is required). That means you will earn 5% cash back on gas purchases at least one quarter each year - unbeatable offer for those who are planning to be on the road sometime in the near future. The base rewards are 1% cash back.

Excellent/Good Credit

Why rewards cards are
more flexible THAN GAS ONLY
CREDIT CARDS?

Rewards Earning
REWARDS EARNING

Gas station credit cards usually give a gallon-based discount not a percentage of the total cost of a purchase transaction. So, when the gas prices go up, your earnings will actually go down if you use gas only credit cards. For example, the CITGO Rewards Credit Card offers you to earn up to 10 cents per gallon in fuel statement credits but only at CITGO gas stations. Gas rewards cards work differently. They reward you for each dollar spent at any gas station. Best gas rewards cards give from 2% to 5% rebates on gas purchases and at least 1% rebate on everything, which is much higher that co-branded rewards only.

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apply on Discover's secure website
  • 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.
Easy Redemption
EASY REDEMPTION

When you use a gas station credit card, you either get instant discount or earn rewards that can be later redeemed as fuel credits or statement credits towards gas purchases only. Everything you earn with a gas branded credit card can be redeemed towards gas only. A gas rewards credit card can offer more redemption options and won't require you to redeem all earned rewards for gas purchases. With a gas rewards credit card, you can choose to redeem for cash, gift cards, statement credits, merchandise or travel, depending on what options are offered with the card.

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apply on Discover's secure website

Redeem your cash back for any amount, any time.

Lower Interest Rates
LOWER INTEREST RATES

Gas-branded credit cards may have easier approval but have high annual percentage rate (APR). The reason behind this is that they are often approved to people with fair credit who are looking to rebuild their credit. People with good credit are not approved for lower APRs, they are also given high interest rates - gas branded credit cards make no exceptions. Carrying a balance on these credit cards is very expensive. So, if your credit is good and if you do not have a habit of paying off the card balance in full each month, you may want to get a better credit card that will give you a lower interest rate.

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apply on Citi's secure website

Annual Fee: $0

Updated: Aug 03, 2021

questions 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...

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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...

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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...

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comments ABOUT
GAS CREDIT CARDS

** When credit card savings are given per dollar spent and not per gallon, the savings per gallon are calculated based on an average price per gallon in the U.S. To calculate savings per 1 gallon, we take the current U.S. average gas price and multiply it by gas savings per dollar the card offers. The U.S. average gas price per gallon that we use is $2.75

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