If you drive regularly and pay for fuel out of pocket, using the right credit card can turn your gas expenses into real savings. Some credit cards offer elevated cashback or points specifically for gas station purchases, making them a valuable tool for budget-conscious motorists. Here’s a look at the top budget-friendly gas credit cards that reward you for every mile—and how to make the most of them.
- Discover it® Chrome
- Gas Rewards: Earn 2% cashback at gas stations and restaurants (on up to $1,000 in combined purchases each quarter)
- Annual Fee: $0
- Perks: Cashback Match at the end of your first year (Discover will match all the cashback you’ve earned)
Learn more on Discover’s official site
This card is ideal for low to moderate spenders looking for consistent gas rewards and no annual fee.
- Citi Custom Cash® Card
- Gas Rewards: Automatically earns 5% cashback on your highest eligible spending category each billing cycle (up to $500 per month), which can include gas
- Annual Fee: $0
- Perks: Flexibility to earn 5% on gas if that’s your top expense
Perfect for drivers who don’t want to manually track categories—just use it primarily for fuel and it automatically adapts.
- Sam’s Club® Mastercard®
- Gas Rewards: 5% cashback on gas (on up to $6,000 per year, then 1%)
- Annual Fee: $0 (requires a Sam’s Club membership)
- Perks: Earn cashback at any gas station that accepts Mastercard
Visit Sam’s Club Credit Services
Best for Sam’s Club members and warehouse shoppers who fuel up frequently and want high limits on gas rewards.
- PenFed Platinum Rewards Visa Signature® Card
- Gas Rewards: 5x points at gas stations
- Annual Fee: $0 (PenFed membership required)
- Perks: Points can be redeemed for travel, gift cards, and more
This is one of the most generous gas rewards cards available, especially for military families or those eligible for PenFed membership.
- Blue Cash Everyday® Card from American Express
- Gas Rewards: 3% cashback at U.S. gas stations (on up to $6,000 per year, then 1%)
- Annual Fee: $0
- Perks: Also earns 3% on U.S. supermarkets and online retail purchases
Explore more at American Express
A well-rounded card for everyday spending, especially if you want broad bonus categories.
Maximize Rewards by Stacking with Gift Cards
Want to go a step further? You can earn cashback at BP with a gift card purchased via Fluz, then pay for the gift card with your gas rewards credit card. This lets you stack credit card rewards with Fluz cashback, maximizing the benefit of every transaction.
To see all gas-related options, browse the Fluz homepage.
Pro Tips for Fuel Credit Card Users
- Avoid interest by paying in full. Rewards only matter if you’re not paying interest on balances.
- Know your limits. Many cards cap their bonus rates, so track your spending to avoid dropping to 1% unintentionally.
- Combine with fuel rewards apps. Apps like GasBuddy or Upside help you find the cheapest gas or add another layer of cashback.
Final Thoughts
A good gas credit card turns every trip to the pump into an opportunity to save. Whether you want cashback, points, or flexible bonus categories, there’s a budget-friendly card to match your fueling habits. Pairing your card with smart strategies like digital gift cards and price comparison tools makes the most of your hard-earned money.
