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GAS CREDIT CARDS

As gas prices creep up again, gas credit cards become more enticing. However, the gas cards offered at most gas stations offer very poor value. For starters, most carry interest rates of more than 20%. Secondly, most gas station cards only offer cash back in one place.

Because of these issues, the best gas credit cards are general cash back cards. With these cards, you earn a competitive cash back rate on everything, plus get reasonable interest rates. Additionally, many of these cards offer new applicants $100 to $150 cash back bonuses. To earn this much cash back with a gas station card, you'd likely need to pump over $2,000 of gas.

Below you can compare gas cashback credit cards and apply online via secure online applications. All links open in new windows. If a link fails to open, temporarily disabling your pop-up blocker will fix the problem.

CITI® DIVIDEND PLATINUM SELECT® VISA® CARD




Intro APR on Purchases

Intro APR on Transfers

Regular APR

Annual Fee

Credit Type

0% for 12 months*
0% for 12 months*
12.99%-22.99%* (Variable)*
$0*
Excellent Credit


Key Features
  • Earn $100 cash back after $500 in purchases within the first 3 months of account opening
  • Earn 5% cash back every quarter in must-have categories. Right now, on purchases at The Home Depot®, home furnishing and home and garden stores from 4/1/14 through 6/30/14.
  • Enrollment each quarter is quick and easy
  • Earn 1% cash back on all other purchases.
  • The total cash back earned with the card is $300 per calendar year, excluding the $100 cash back with this offer. See Citi Dividend Card Reward Program Information.
  • 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • No Annual Fee*
  • Click Apply Now to see pricing details
VIEW ALL FEATURES

Additional Features
  • Earn $100 cash back after $500 in purchases within the first 3 months of account opening
  • Earn 5% cash back every quarter in must-have categories. Right now, on purchases at The Home DepotŪ, home furnishing and home and garden stores from 4/1/14 through 6/30/14.
  • Enrollment each quarter is quick and easy
  • Earn 1% cash back on all other purchases.
  • The total cash back earned with the card is $300 per calendar year, excluding the $100 cash back with this offer. See Citi Dividend Card Reward Program Information.
  • 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • No Annual Fee*
  • Click Apply Now to see pricing details
Apply Now

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Current Gas Station Credit Card Offers

Here is a rundown of what the most commonly searched for gas station credit cards offer:

1.) The ExxonMobil MasterCard offers 15 cents per gallon on Exxon gas purchases. At $4.00 a gallon, this works out to less than a four percent savings. The interest rate on this card is either 19.99% or 23.99%.

2.) The Shell credit card offers only a 5 cent per gallon rebate. At $4.00 a gallon, this works out to slightly more than 1% cash back. Additionally, this card can only be used at Shell gas stations and carries a 24.99% interest rate.

3.) The Chevron & Texaco credit card offers 10 cents per gallon, or 2.5% cash back. Depending on the card you choose, the interest rate can be as high as 26.99%.

4.) The BP credit card offers 5% cash back on BP gas purchases, but charges an interest rate ranging from 15.24% to 21.24%.

Given the low cash back rates and limitations that come with these cards, only consumers who spend heavily on gas at a single station can really benefit from these offers. Most others will be much better off with a standard cash back rewards card.

Gas Rebate Credit Card Tips

Be Careful with Gas Station Credit Cards: Gas station credit cards offer tempting rewards, but most gas credit cards tied to a specific station charge extremely high interest rates. The Exxon Mobile card, for example, offers fifteen cents per gallon. Assuming gas is $3.80 a gallon, that's close to 4% in rewards. However, this card carries an interest rate over 20%. The same is true for many other gas station cards, including some with much less generous rewards. Thus, unless you pay your bill in full every month, you can end up spending much more in interest than you can earn in cash back.

What Credit Cards Offer 5% Cash Back on Gas?: A few years ago, a number of gas credit cards offered 5% cash back on every gas purchase. Today, most cards offer 1% year round and 5% a few months every year. However, opting for a card with a large sign up bonus more than offsets this, as getting $100 to $200 cash back is essentially like getting 5% to 10% cash back on the first $2,000 spent on gas, plus cash back on everything else, which also tends to include 5% cash back on gas three months a year and 5% on other major expenses in the remaining months.

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*Important Disclaimer: See online credit card applications for complete details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuing company's website.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.

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