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When it comes to branded credit cards offered by stores or gas stations, they most likely are not affiliated with a payment network like Visa or Mastercard and therefore, they cannot be used everywhere. As for the Kwik Trip credit card, it is good for shopping at Kwik Trip / Kwik Star gas stations and stores only. You won't be able to use Kwik Trip card outside Kwik Trip locations. So, if you'd rather prefer a credit card that can be used everywhere, we would recommend you to skip the Kwik Trip card and apply for a regular credit card instead.

For the most generous gas discounts, you might want to consider the Discover it® Cash Back card, for example. The card gives cardholders opportiunity to Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, unlimited 1% cash back on all other purchases - automatically.

The Citi Custom Cash® Card is also a good option for gasoline purchases. With the Citi Custom Cash Card, you can Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025. Eligible spending categories include everything from gas stations to restaurants, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs and live entertainment.