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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.
What We'll Cover
- Top 10 Best Credit Cards to Help You Save on Gas
- Platinum Rewards Visa Signature® Card
- Discover it® Cash Back
- Costco Anywhere Visa® Card By Citi
- Blue Cash Preferred® Card from American Express
- Wells Fargo Active Cash® Card
- U.S. Bank Altitude® Connect Visa Signature® Card
- PNC Cash Rewards Visa Card
- Citi Premier® Card
- Blue Cash Everyday® Card from American Express
- Bank of America® Customized Cash Rewards Credit Card
- Start Saving With Gas Reward Cards
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.
Top 10 Best Credit Cards to Help You Save on Gas
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.
|APR||16.49% to 17.99% variable|
|Points||5x points on gas purchases and EV charging stations|
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.
|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
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.
|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
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.
|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
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.
|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
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.
|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
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.
|APR||14.49% to 24.49% variable|
|Cash Back||4% cash back on gas station purchases|
Citi Premier® Card
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.
|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
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.
|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
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.
|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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