Ranked at $150/month gas spend ($1,800/year). Annual savings shown for each card. Warehouse club gas stations (Costco, Sam's Club) noted separately where cards differ. Based on published card terms as of June 2026.
Updated: June 2026 · 8 options ranked
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#1 Best for Costco Members
9.1
Costco Anywhere Visa (Citi) No Fee
Annual fee: $0 (requires Costco membership, $65+/year) [as of June 2026 — verify with issuer] · 4% on gas (up to $7k/year, then 1%), 3% restaurants & travel, 2% Costco
At $150/month gas: $72/year at 4% with zero card fee. Costco membership is separate. Best gas card if you're already a Costco member — rewards are sent as an annual certificate.
Annual fee: $0 (credit union membership required) [as of June 2026 — verify with issuer] · 5x at gas stations
5x at gas stations earns 5 points/dollar. At $150/month: 9,000 pts/year. Points value roughly 0.85–1¢ = $76–90/year. Best gas earn rate if you qualify for PenFed membership (open to most with small donation).
Annual fee: $0 [as of June 2026 — verify with issuer] · 3x on gas, transit, dining, travel, streaming, phone
3x on gas = $54/year at $150/month with $0 fee. The value compounds across 6 categories — if you also spend on dining, travel, and transit, total earn across categories is 2–3x better than gas alone. Best no-fee card for multi-category earners.
Annual fee: $0 [as of June 2026 — verify with issuer] · 3% cash back on gas
3% on gas earns $54/year at $150/month. Also earns 3% on dining, grocery, entertainment. Simple cash back. Best no-fee option for gas + lifestyle categories.
Annual fee: $0 [as of June 2026 — verify with issuer] · 5% rotating categories (gas eligible certain quarters, up to $1,500/quarter)
In gas quarters: $150/month × 5% × 3 months = $22.50 per quarter. About $45–67/year depending on how many gas quarters appear. Best when combined with year-round spending — not reliable as primary gas card.
Annual fee: $95 [as of June 2026 — verify with issuer] · 3% on gas at U.S. stations
3% on gas earns $54/year at $150/month. The fee isn't justified by gas alone — but if you already use BCP for 6% groceries, gas rewards are a bonus. Don't get this card for gas only.
Annual fee: $95 [as of June 2026 — verify with issuer] · 3x on gas
3x gas earns 5,400 ThankYou pts/year at $150/month. Via Turkish Airlines: potentially 2¢+ = $108/year. Fee isn't justified by gas alone — pair with dining (3x) and hotel (3x) spend to justify.
This content is for informational purposes only and is not financial advice. Credit card terms, rates, and offers change frequently. Verify all details with the card issuer before applying. [as of June 2026]
Frequently Asked Questions
What credit card gives the most cash back on gas?
PenFed Platinum Rewards Visa earns 5x on gas with no annual card fee (credit union membership required). Costco Anywhere Visa earns 4% on gas with no card fee (Costco membership required, $65+/year). Both outperform standard 3% gas cards at typical gas spend.
Do credit cards earn rewards at Costco gas stations?
It depends on the card. Costco Anywhere Visa earns 4% at Costco gas. Most other cards either earn at their standard gas rate (3x) or exclude warehouse clubs from the gas category. Check your card's terms for Costco-specific coding.
How much can I actually save with a gas rewards card?
At $150/month gas spend, a 3% card saves $54/year and a 5% card saves $90/year. Divide by your fill-up frequency: that's roughly $1–1.75 back per fill-up. The real value compounds over years and when paired with other category earn on the same card.