Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.
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 Sinclair Green Card. It may save you a lot but only at participating Sinclair locations, which already limits your options. If you compare the Sinclair credit card with a regular gas rewards credit card, you will see the difference, and which card is a best credit card for gas rewards.
Compare rewards credit cards to find the best
VIEWING 0-0 of 0Compare travel credit cards to find the best
VIEWING 1 - 4 of 12
Excellent / Good Credit
Excellent, Good Credit
Excellent/Good Credit
Excellent, Good Credit
Excellent, Good Credit
Fair/New to Credit
Excellent, Good Credit
More about
top credit card WITH REWARDS
2021
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.
Why rewards cards are
more flexible THAN GAS ONLY
CREDIT CARDS?
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 Sinclair Green Card allows you to save 5 cents or more on every gallon but only at participating Sinclair gas stations. When you pay more for gas but buy the same amount of gas as usually, you won't save more. Gas rewards cards work differently. They reward you for each dollar spent meaning the more you spend, the more you earn. 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.
- 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.
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.
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.
not sure WHICH
CARD TO CHOOSE?
questions ABOUT
GAS CREDIT CARDS
Is Sinclair credit card accepted at any gas station? I want to save on my gas purchases.
Sinclair credit card is a co-branded gas station credit card and is accepted only at Sinclair gas stations, so you will receive gas savings only there. If you want to save on your gas purchases and want to have a credit...
Read moreI often buy gas at Sinclair gas stations and at other gas stations too. Is it a good idea to apply for a Sinclair credit card?
First of all, you should make some calculations to see how many savings you may receive using Sinclair credit card. Remember that it is a co-branded gas station credit card - you will be able to use it only at Sinclair...
Read moreI use Sinclair gas station when travel, will Sinclair Dinocare card be useful for me?
Sinclair Dinocare card is aimed for people who often refuel at Sinclair locations. You can save on every gallon at participating locations. This card can not be used anywhere else. If you goal is to save on gas...
Read more
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