Top 5 Gas Cards


There are a lot of gas cards out there promising to help make the pain of filling up at the pump just a little bit less painful since they give you a certain percentage of the money you spend back.

The problem is that while there are a lot of gas rebate cards out there, most of them aren’t very good so when compiling a list of the top gas cards, it ends up being a pretty short list.

I was originally going to create a list of the top 10 gas cards, but I only found 5 worth carrying in your wallet and two of them aren’t even marketed as gas cards!

So without further adieu here are the top 5 gas cards you should consider carrying:

1) Chase Freedom Card  *(Recommended Best Gas Card)*

Number one on my list of top gas cards is a credit card that isn’t even marketed as being a gas card. Rather, it’s marketed as a rewards card. But whatever you want to call it, it’s a darn good card.

Here’s the cool thing about this card. Instead of just giving you cash back in a certain category, it will give you 3% cash back on your top 3 eligible expense categories. And while there are a lot of categories that are eligible, three of the more common ones are gas, groceries, and quick dining places.

For me, gas and groceries are likely to always be at the top of that list so I not only get a rebate on all my gas fill ups, I get a rebate on groceries too. And if for one month you don’t spend anything on gas, but you spend a lot at department stores shopping, and not very much on food, then you’d get the rebate on all the money you spent shopping. So it’s really flexible, and automatically gives you your rebate from your top 3 expenses for the month.

So if you do even an average amount of driving, then this card just makes sense, and that’s why it gets my #1 gas card ranking.

Chase Freedom Card Features:

Receive $50 after you make your first purchase 3% Cash Back in your top 3 everyday spending categories 1% cash back for every $1 you spend on all other purchases Receive an extra $50 each time you save and redeem $200 in rewards Click Here To Apply today!

2) Chase PerfectCard

Coming in at #2 on my list of top gas cards is the Chase PerfectCard. This is probably the most popular pure gas rebate card on the market right now and for good reason – it’s a good card.

In addition to getting a 3% rebate (and double that for the first 90 days – a 6% rebate), you also get nice perks like a 0% introductory APR on the card.

And with the PerfectCard you can fill up at any gas station and still get this rebate so you don’t have to look for any specific gas station when filling up. You can go to where the gas is cheapest. (and if you’re looking for a cool tool to help you find the cheapest gas in town, use this free gas price checking tool).

Chase PerfectCard Features:

6% rebates on ALL eligible gas purchases at ANY gas station for the first 90 days 3% rebates on ALL eligible gas purchases at ANY gas station after the first 90 days 1% rebates on ALL other purchases made anywhere else 0% Intro APR for up to 6 months* No Annual Fee Earn rewards wherever the road takes you with the Chase PerfectCard Rebates are automatically credited toward future purchases made on your card. Click Here To Apply Now!

3) Chase BP Visa

The Chase BP Visa is the one and only gas station specific gas card to make my list of top 5 gas cards, but this is actually a pretty impressive gas card.

When filling up at BP stations, you get a 5% gas rebate, and for the first 60 days, you get double that – a 10% gas rebate.

With most other gas cards, you only get the rebate when you fill up at their specific brand of gas stations, but this is where the BP Visa really stands out from the competition. When you fill up at non BP stations, you still get a rebate, a very respectable 2% gas rebate.

So if you happen to live in an area that has a lot of BP stations, this card probably makes a lot of sense for you. However, if you live an area where there aren’t many BP stations, or if there are a lot of other gas stations you fill up at that have cheaper gas, then you may want to get the Chase PerfectCard or Chase Freedom card instead which will give you a 3% rebate across the board.

Chase BP Gas Card Features:

0% APR for up to 6 months No Annual Fee Double Rebates for two months (10% rebates at BP location purchases) 5% rebates on all participating BP location purchases 2% rebates on all eligible travel and dining purchases 1% rebates on all other eligible purchases No limit on rebates Redeem every $25 rebates for: BP Gift Card, cash, donation to the Conservation Fund Click Here To Apply Now!

4) Discover Open Road Card

The Discover Open Road Gas card used to be my number one recommended gas card but with gas prices spiking dramatically in recent months, it has fallen to number four on my list.

While it’s still a good credit card to carry and comes with a lot of perks you typically see on like 0% introductory APR, as a gas card, it’s not as useful as it was when gas was cheaper.

The Discover Open Road Card offers one of the highest rebates on the market – a full 5% cash back on gas at any gas station and even includes auto maintenance purchases.

The only problem is that you only get that 5% cash back on the first $100 in gas each month – which is about one tank full if you have a large SUV. So if you drive even an average amount you’ll be maxed out rather quickly. After the 5% cap is in place, you get 1% back so it’s not like you get nothing, just not as much as you get with other cards.

Discover Open Road Card Features:

0% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers Save at the pump and everywhere else.* 5% Cashback Bonus® on gas and auto maintenance purchases 5% to 20% Cashback Bonus at top online retailers* Up to 1% Cashback Bonus on all other purchases Unlimited cash rewards Increase, even double, the value of your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners Click Here To Apply

5) American Express Blue Cash Card

The American Express Blue Cash Card is another card that works well as a gas card but isn’t marketed as being a gas rebate card.

With the Blue Cash Card you can earn up to 5% cashback on items like gas and groceries so in that respect it’s a lot like the Chase Freedom Card. However, with the American Express Card you get rewarded for using the card and using it A LOT!

You start out earning just 1% cash back on those purchase but once you’ve spent $6500.01 for the year, then the 5% cash back kicks in.

So if you spend a lot of money on items like gas and groceries or you just happen to be a very heavy credit card spender, then this card would make sense for you.

However, if you’re just looking for a card to use strictly for gas and maybe groceries once in a while then go for the Chase Freedom Card. The one thing to keep in mind is that American Express has some pretty cool rewards programs you can qualify for if you spend enough on your credit card every year (the American Express “Black” card comes to mind – officially called the Centurion, but you have to qualify for it by spending a lot on your credit card to get it).

American Express Blue Cash Card Features:

"Best Cash-Rebate Card" by Kiplinger's Personal Finance* Up to 5% Cash Back with Unlimited Cash Rewards Earn unlimited cash back 0% Intro APR for 6 months on purchases Low Balance Transfer rate - 4.99% fixed APR for the life of the balance No Annual Fee Express Approval. Get a decision in less than 60 seconds. Click Here To Apply Now!

One last thing - no matter which gas card you ultimately decide on, make sure that you pay off your balance every month after your 0% introductory rate expires or that money you'll be saving on gas will be eaten up in interest expenses and it won't make sense for you to use the card at the pump. 

This is how the credit card companies win - so just use your credit card responsibly and you'll get to take advantage of the credit card company's generosity for a change.