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Since you need a credit card for other purchases in addition to gas purchases, a credit card from a gas station is not a good option for you as they are usually limited to one gas station chain, meaning you won't be able to use the card for purchases elsewhere. Plus, gas station credit cards offer fixed discounts on each gallon of gas you buy. Typically, such discounts are between 3 and 10 cents per gallon. That means the lower the gas price per gallon, the better value you get. In other words, the more expensive gas gets, the less value you get.

A regular gas rewards credit card from a major issuer can be a better choice for you. Such cards usually offer higher rewards in gas purchases, say, 2% or 3% or 4% or 5% back on the amount you spend. All other purchases get standard 1% back or even higher, depending on the card rewards program.

With a regular gas rewards credit card, the rewards rate stays constant while the cents-per-gallon benefit changes with the gas price. The higher the gas price, the more value you get with a gas rewards credit card. In other words, no matter how expensive gas gets, you won't lose value earned.

Plus, you can use regular credit cards at other gas stations. Meaning you are not tied to only one gas station chain. And you can use such cards for online shopping and for in-store purchases, whichever is more convenient to you.

tags : Credit Cards Gas Rewards Shopping

Disclaimer: This editorial content is not provided or commissioned by the banks or credit card issuer(s). Opinions expressed here are the author's alone, not those of the banks or credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the banks or credit card issuer(s). Reasonable efforts are made to present accurate info, however all info is presented without warranty. Consult with the issuing bank of the card or account for terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are accurate as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.