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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 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.

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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 Credit 

Rating 5.0
on Citi's secure website

Excellent, Good Credit 

Rating 5.0
on Discover'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 4.7
on Discover's secure website

Fair/New to Credit 

Excellent, Good 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.
No
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
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.
Earn 60,000 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! 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.
Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening
Savings per gallon**
Up to 13.75¢ per gallon at All Gas Stations
  • Up to 5¢ per gallon at Sinclair Gas Station
  • No Rewards at Other Gas Stations
Up to 5.5¢ per gallon at All 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 13.75¢ per gallon at All Gas Stations
Up to 5.5¢ 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.
Save 5 cents or more on every gallon at participating locations (amount may vary by location)129
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 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 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 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.
Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants
Rewards on everyday purchases
1% unlimited cash back on all other purchases - automatically
No rewards129
Earn 1X ThankYou® Points on All Purchases
1% unlimited cash back on all other purchases - automatically
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
-
Rewards expiration
Rewards never expire
Rebates are valid within 30 days of purchase.129
Points do not expire provided your account is active and in good standing
Cash rewards never expire.
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
Rewards never expire
Miles will not expire if you earn or redeem miles once every 18 months
Available gas stations
ANY
Sinclair locations only129
ANY
ANY
ANY
ANY
ANY
ANY
RATES AND FEES
Intro APR on purchases
0% (14 months on Purchases)
No intro APR129
0% (15 months on Purchases)
0% (14 months on Purchases)
N/A
N/A
0% (6 months on Purchases)
N/A
Regular APR
11.99% - 22.99% Variable APR
N/A129
13.49% - 23.49% (Variable)
11.99% - 22.99% Variable APR
15.99% - 23.99% (Variable)
13.99% – 23.99% (Variable)
12.99% - 21.99% Variable APR
15.99% - 24.99% (Variable)
Annual fee
$0
$0129
$0
$0
$95
$0
$0
$99, waived for first 12 months
Foreign transaction fee
None
N/A129
3%
None
0%
3%
None
0%

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 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.

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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.

Show more
apply on Citi's secure website

Annual Fee: $0

Updated: Apr 17, 2021

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...

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I 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...

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I 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
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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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