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Receiving a reward for your everyday purchases is probably one of the best reasons to use a credit card. That extends to gas stations, where the average American spends about $2,500 per year. But the best gas station credit cards help offset those costs while providing alluring sign-up bonuses, rewards and perks.
Read our guide to find out which gas station credit cards offer the best rewards, perks and rates for you.
Our Top Picks for the Best Gas Station Credit Cards of 2026
All rates and data are current as of Feb. 24, 2026.
Best Gas Station Credit Cards Reviews
Why we chose it: The BP Rewards Visa from FNBO offers customers savings of 30 cents per gallon at a network of 7,600 BP and Amoco gas stations for the first 60 days after an account is opened.
After that sign-up bonus expires, the card features savings of 15 cents per gallon. While the BP Rewards Visa’s 32.24% APR is high compared to other categories’ winners, the card has no annual fee and provides 5x points on non-fuel purchases at BP and Amoco; 3x points on groceries, dining and food delivery; and 1x points on all other purchases.
Those points can be used as actual cash back, you can redeem them as a statement credit, an ACH deposit or as a check.
Terms apply. Please click here for applicable rates and fees.
Why we chose it: The Holiday Smart Savings Credit Card from Circle K offers users a 5% statement rebate for in-store purchases at its combined network of 6,800 stations.
Additionally, the card provides double discounts for the first 90 days following account opening, as well as a 5-cent rebate per gallon of gas.
There is no annual fee, and variable APRs range from 12% to 20.4%.
Terms apply. Please click here for applicable rates and fees.
Why we chose it: The Sheetz Visa card from FNBO offers up to 10 cents off per gallon at the gas station’s 817 locations.
Additionally, the card’s sign-up bonus includes up to 30 cents off per gallon for first 60 days the account is open. The Sheetz Visa card also offers 5% cash back at Sheetz for non-gas purchases and 1% everywhere else.
Its variable APR is currently 30.24%, and there is no annual fee.
Terms apply. Please click here for applicable rates and fees.
Why we chose it: The Shell Fuel Rewards Credit Card from Citi is accepted at 13,500 locations.
The card’s sign-up bonus includes a discount of 30 cents per gallon (up to 35 gallons on the first five Shell fuel purchases), and a discount of 10 cents per gallon (up to 35 gallon) thereafter. The Shell Fuel Rewards card also features annual 10% Shell rebates on the first $1,200 Shell non-fuel purchases and annual 2% Shell rebates on the first $10,000 spent on dining and groceries.
The card’s current variable APR is 32.49%, and there is no annual fee.
Terms apply. Please click here for applicable rates and fees.
Why we chose it: The Techron Advantage Visa Credit Card from Synchrony Bank offers a sign-up bonus that includes a discount of 65 cents per gallon for first 30 days the amount is open.
After that, the card provides a discount of 3 cents per gallon as well as up to 10 cents per gallon in statement credits. Perks include $0 fraud liability, cell phone protection plans (up to $300 per claim) and access to the Synchrony Car Care Network.
The Techron Advantage Visa can be used at 8,400 Chevron and Texaco locations. There is no annual fee, and the card’s variable APR is currently 33.99%.
Terms apply. Please click here for applicable rates and fees.
Why we chose it: The Wawa Mastercard from FNBO provides cardholders with a discount of 5 cents per gallon.
Customers can also enjoy a sign-up bonus discount of 50 cents per gallon discount for the first 30 days the account is open. Additionally, the Wawa Mastercard provides 3x points for non-fuel Wawa purchases and 1x points everywhere else. Points can automatically be converted into Wawa gift cards.
The card, which can be used at 1,200 Wawa locations, doesn’t charge an annual fee. Its variable APR is currently 30.24%.
Terms apply. Please click here for applicable rates and fees.
Cash Back Credit Cards FAQs
How do cash back credit cards work?
Cash back credit cards return a percentage of what you spend on your credit card on a periodic basis. This percentage can be redeemed to buy certain products or services through the bank’s online portal or as a check in the mail. It can also be redeemed as a statement credit to pay back part of your credit card bill.
What is the best cash back credit card?
According to Money, the best cash back credit card overall is the Blue Cash Preferred® Card from American Express because of the high rate of cash back offered in certain categories, bonuses and promo offers. The best cash back card also depends on your spending habits and needs.
Cash back is not taxable since it’s considered a rebate or discount. However, depending on the amount of cash back a sign-up bonus offers, this could, in fact, be taxable. If you earned many of these throughout the year, especially from business credit cards that offer higher amounts, keep in mind that you’ll most likely have to pay taxes on them.
When does my cash back expire?
In the majority of cases, cash back does not expire unless the account is closed.
How We Chose the Best Gas Station Credit Cards
The best cash gas station credit cards offer high-value rewards for everyday spending, competitive sign-up bonuses and low or no fees. This methodology evaluates these cards focusing on cash back rates, fee structure and additional benefits.
| Cash Back Rewards | Sign-Up Bonus | Fees | Other Perks |
| 40% | 35% | 20% | 5% |
- Cash Back Rewards: Consistent and straightforward cash back or rewards rate for all purchases rather than categories. Enhanced rewards for everyday spending categories (e.g., groceries, gas).
- Sign-Up Bonus: New cardholders can often earn hefty bonuses with the best cash back credit cards.
- Fees: No-fee cards might include other fees, which can lower its rating.
- Other Perks: Any other perks and benefits the card includes, whether travel, low-interest or building credit.
Read our full methodology here.
Summary of Money’s Best Gas Station Credit Cards of 2026
To see rates and fees for the Blue Cash Preferred® Card from American Express, visit this link. Terms apply.
* Insurance disclosures for American Express Cards on this page:
Trip Delay Insurance: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
Global Assist Hotline: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Card Members are responsible for the costs charged by third-party service providers.
Extended Warranty, Purchase Protection, Baggage Insurance Plan: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
Car Rental Loss & Damage Insurance: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
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