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With gas prices running high across the nation, many people are worried about the cost of gas at the pump, wondering “How can I get a discount on gasoline?” Unfortunately, those prices look set to stay high for a while, but that doesn't mean that you can't decrease your overall gas spending. One key method is choosing the right gas card for your needs, including one that offers a higher cash back rate for your gas purchases. Many credit cards offer cash back as an incentive for using the card. 

man giving credit card to gas station manager

Using the right card, however, can make a huge difference in your overall budget. You may also want to consider whether the card offers specific incentives for gas purchases, or if it relies on a high cash back rate in general. For example, some cards may offer better deals for groceries or for use at a specific facility. Take a look at the best cards for getting cheaper gas at the pump and how you can maximize your savings thanks to cards with more than just gasoline rewards.

woman using Apple Pay at the pump

Top 10 Best Credit Cards to Help You Save on Gas

Platinum Rewards Visa Signature® Card

Platinum Rewards Visa Signature® Card

Points are redeemable for gift cards, travel, and shopping. It's important to note, however, that the PenFed Platinum Rewards card does not offer direct cashback on spending at the pump, so if your goal is to decrease some of the burden of your gas spending, you may not find this card as effective as some of the other options. However, you may find that having those rewards can help with your budget in other ways.

Details
Annual Fee $0
APR 16.49% to 17.99% variable
Points 5x points on gas purchases and EV charging stations

Discover it® Cash Back

Discover it® Cash Back

The Discover it® Cash Back Credit Card is one of the best overall options for cash back at a variety of spending locations. If you shop regularly at Amazon or want to see better cash back on your spending at the grocery store in addition to cutting your spending at the pump, the Discover it® Cash Back Credit Card may offer the best option for your needs. It also has relatively low APR compared to other cards, even once the intro period runs out. 

discover it 5% cash back on gas purchase credit card
Details
Annual Fee $0
APR 0% for the first 15 months; 14.24%-25.24% variable APR after
Cash Back on gas 5% cash back on all purchases at the pump (and in a variety of other everyday shopping locations, including Amazon, restaurants, and grocery stores)*

* Enroll quarterly to earn 5% cash back on up to $1,500 in purchases in a variety of categories throughout the year

Costco Anywhere Visa® Card By Citi

Costco Anywhere Visa® Card By Citi

The 4% cash back on eligible gas purchases may make the Costco Anywhere Visa Credit Card one of the best options for gas reward cards if your primary financial concern is spending at the pump. Carefully consider, however, the high APR for late payments or payment returns, which may impact your overall savings if you're struggling financially. You may also want to check into eligible gas stations to make sure that your preferred station is on the list: the Costco Anywhere Visa Credit Card does not provide cash back for gas charges at supermarkets, superstores, and warehouse clubs other than Costco.

Details
Annual Fee 0% with a Costco membership
APR 18.99% variable on most purchases, up to 29.99% if you pay late or have a payment returned
Cash Back on gas 4% back on eligible gas purchases for the first $7,000 spent on gas per year; 1% after that point

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

The Blue Cash Preferred Card, with its focus on both gas and groceries, may be ideal for families that are feeling the strain of increased costs on the items they use most regularly. The Blue Cash Preferred Card has one of the best cash-back options for grocery spending, which may make it the ideal card for your needs if you've found yourself struggling with your budget. 

woman giving her gas credit card
Details
Annual Fee Introductory $0 annual fee the first year, then $95 (See Rates & Fees)
APR 0% intro APR on purchases for the first 12 months; 16.99% to 27.99% variable after that. (See Rates & Fees)
Cash Back 3% cash back at U.S. gas stations; 6% at U.S. supermarkets (up to $6k in purchases annually, 1% thereafter) and select U.S. streaming subscriptions; 1% on general purchases. Terms Apply

Wells Fargo Active Cash® Card

Wells Fargo Active Cash® Card

If you don't have a specific area in which your spending is generally higher than others, you may find that the Wells Fargo Active Cash Card is ideal for your needs. While the high cost at the pump is daunting for many individuals, you may find that having equal rewards on your other spending can help decrease your costs elsewhere and remove some of the strain on your entire budget.

Details
Annual Fee $0
APR 0% intro APR for 15 months on purchases from account opening and on qualifying balance transfers; 17.24%, 22.24%, or 27.24% variable after that point
Cash Back Unlimited 2% on purchases, with no rewards category limitations--which means you can get just as much back on your other purchases as you do on your gas

U.S. Bank Altitude® Connect Visa Signature® Card

U.S. Bank Altitude® Connect Visa Signature® Card

While the U.S. Bank Altitude Connect Visa Signature Card does not provide direct cash back, it does offer a variety of rewards, which may, for some users, be more beneficial than cash back. Carefully consider the available reward categories before you take out your card to determine whether it will work for you. 

Details
Annual Fee $0 for the first year; $95 after
APR 18.24% - 26.24% variable
Cash Back on gas The U.S. Bank Altitude Connect Visa Signature Card allows you to collect 4x points on gas purchases, which you can redeem for a variety of gift cards and purchases

PNC Cash Rewards Visa Card

PNC Cash Rewards Visa Card

In addition to being great for use at the gas station, the PNC Cash Rewards Visa offers 3% cash back for restaurant dining and 2% for purchases at grocery stores, which means it can help you save money on many of the purchases you make all year long. You may want to consider how grocery and dining expenses factor into your overall budget when selecting this card. 

Details
Annual Fee $0
APR 14.49% to 24.49% variable
Cash Back 4% cash back on gas station purchases
customer paying gasoline with credit card

Citi Premier® Card

Citi Premier® Card
Citi Premier® Card Learn More

The Citi Premier® card is the ideal credit card for travelers who are hoping to build up their points, which can be redeemed in a variety of common places, including Amazon and Best Buy online. If you travel regularly and spend a lot of time in hotels or on planes, you may find that the Citi Premier® card is ideal for helping you accomplish your goals and decrease your long-term costs. 

Details
Annual Fee $95
APR 19.74% to 27.74% variable APR
Points 3x points on gas, restaurants, supermarkets, hotels, and air travel

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Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

The Blue Cash Everyday Card is ideal for people who may not qualify for the Blue Cash Preferred card. It offers many of the same benefits, including 1% cash back on general purchases, 3% back at U.S. gas stations, U.S. supermarkets, and U.S. online retail purchases (up to $6,000 in purchases annually for each category, 1% thereafter. Terms Apply) . It offers payment flexibility and a variety of rewards, including accelerated cash back options or allocating some of your monthly spending to the card.

Details
Annual Fee $0 (See Rates & Fees)
APR 0% for the first 15 months on purchases; variable APR of 16.24% to 27.24% after that. (See Rates & Fees)
Cash Back 3% cash back on gas at U.S. gas stations (up to $6,000 on purchases annually. Then 1%). Terms Apply

Bank of America® Customized Cash Rewards Credit Card

Bank of America® Customized Cash Rewards Credit Card

The Bank of America Customized Cash Rewards Credit Card allows you to choose where your biggest rewards come from. If you're interested in using this card to help reduce your costs at the pump, you should carefully consider what you're spending on gas compared to what you might be spending on your other long-term purchases, including what categories you're most likely to spend in over time. You may find, for example, that you spend more on groceries or restaurant expenses, which means that you may want to allocate your largest cash back rewards to those categories. 

Details
Annual Fee $0
APR 0% for the first 15 months; 16.24%-26.24% variable after that
Cash Back 3% on the category of your choice, which may include gas purchases; 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, 1% thereafter); 1% on general purchases

Start Saving With Gas Reward Cards

Using a credit card that offers rewards or cash back for gas purchases can help alleviate some of the burden you may find yourself facing at the pump, but it may not eliminate it entirely. It's important to be smart about your credit card use in order to maximize your savings and advantages. Pay your card off at the end of each month to avoid expensive interest charges. Don't miss payments. Furthermore, make sure you read the small print on the terms and conditions to ensure that you are making the best use of your available options as you use your credit card at the pump. With these tips, you’re ready to answer “How can I get a discount on gasoline?”

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To find all the details about the terms and conditions of an offer, check the online credit card application. We put a lot of effort to present you accurate and up-to-date information; however, we do not guarantee the accuracy of all credit card information presented.

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