Rankings by math, not commissions. Advertiser Disclosure
Best cards → Gas

⛽ Best gas credit cards — July 2026

Generated July 31, 2026 from 250 researched cards · 10 shown

No card issuer pays us today. UseThis has no affiliate links and no advertisers, so this ranking is pure math over published card terms — nothing on this page earns us a cent. How we're paid · Editorial policy

Gas stations, and usually EV charging too.

🍽️ Dining🛒 Groceries⛽ Gas✈️ Travel📺 Streaming💊 Drugstores🛍️ Online shopping🏬 Wholesale clubs💡 Utilities🧾 Everything else
1
Costco Anywhere Visa Card by Citi
Citi · no annual fee
5% on gas.
capped at $7,000 spend per calendar year · Gas purchased at Costco warehouse gas stations worldwide; shares the $7,000 cap with the 4% tier, then 1%
Terms verified Jul 30, 2026 · issuer page
5%
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2
Sam's Club Mastercard
Synchrony · no annual fee
5% on gas.
capped at $6,000 spend per year, then 1% · Anywhere Mastercard accepted, incl. Sam's Club fuel centers
Terms verified Jul 30, 2026 · issuer page
5%
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3
Custom Cashmust choose
Citi · no annual fee
5% on gas — but only as a chosen category.
the issuer picks the category for you from where you actually spend · capped at $500 spend per billing cycle · 5% on TOP eligible spend category each billing cycle, first $500 spend, then 1%. ONE category per cycle, chosen automatically by Citi from spend — NO…
Terms verified Jul 30, 2026 · issuer page
5%
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4
it Cash Backthis quarter only
Discover · no annual fee
5% on gas this quarter only.
2026 Q3 rotating category: "Gas Stations (incl. EV charging)" — it changes next quarter · capped at $1,500 spend per quarter · activation required every quarter — not retroactive, so activate before you spend
Terms verified Jul 30, 2026 · issuer page
5%
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5
Cash+ Visa Signaturemust choose
US Bank · no annual fee
5% on gas — but only as a chosen category.
you must select "Gas/EV stations" (quarterly) · capped at $2,000 spend per quarter · activation required every quarter — not retroactive, so activate before you spend
Terms verified Jul 30, 2026 · issuer page
5%
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6
Cashback Rewards Plus American Express
USAA · no annual fee
5% on gas.
capped at $3,000 spend per calendar year · Own $3,000 annual spend cap since ~March 2026; previously shared a single $3,000 cap with military base purchases. · membership required to hold the card
Terms verified Jul 30, 2026 · issuer page
5%
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7
Discover it Student Cash Backthis quarter only
Discover · no annual fee
5% on gas this quarter only.
2026 Q3 rotating category: "Gas Stations (incl. EV charging)" — it changes next quarter · capped at $1,500 spend per quarter, then 1% · activation required every quarter — not retroactive, so activate before you spend · Activation required each quarter; same calendar as it Cash Back
Terms verified Jul 30, 2026 · issuer page
5%
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8
Freedom (original)this quarter only
Chase · no annual fee
5× on gas this quarter only.
points valued at 1¢ each (cash-out floor — no better redemption value recorded yet) · 2026 Q3 rotating category: "Gas Stations & EV Charging" — it changes next quarter · capped at $1,500 spend per quarter · activation required every quarter
Terms verified Jul 30, 2026 · issuer page
5×≈ 5% at 1¢
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9
Freedom Flexthis quarter only
Chase · no annual fee
5× on gas this quarter only.
points valued at 1¢ each (our researched redemption value) · 2026 Q3 rotating category: "Gas Stations & EV Charging" — it changes next quarter · capped at $1,500 spend per quarter · activation required every quarter · redemption: UR points; combining to household CSR unlocks transfers + Points Boost
Terms verified Jul 30, 2026 · issuer page
5×≈ 5% at 1¢
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10
Platinum Rewards Visa Signature
PenFed Credit Union · no annual fee
5× on gas.
points valued at 0.85¢ each (our researched redemption value) · Paid AT THE PUMP. Purchases made inside the station store commonly fall to 1x. · redemption: PenFed points redeem at ~0.85 cents each toward gift cards/merchandise; up to ~1.25 cents on hotel bookings. NO cash-ba… · membership required to hold the card
Terms verified Jul 30, 2026 · issuer page
5×≈ 4.25% at 0.85¢
Have it? Add it to your wallet →

How to read this

"Must choose" cards do not pay this rate by default. A 5% pick-your-category card earns 5% here only if you park it on this category (and on nothing else that month or quarter), and a rotating-calendar card earns it only while the issuer's published quarter includes this category — usually only after you activate. If you won't do that reliably, a flat-rate card lower down is worth more to you than the bigger number above it. "Conditions apply" means the rate needs something extra: a deposit balance, a wallet, a membership.

Rates are the published earn rate times the redemption value we researched for that card's currency — cash back at face value, points at the value recorded in our data. Caps, portal-only bookings and activation deadlines are printed on the row because they routinely halve the real return. We exclude discontinued cards, store-only cards, cards whose terms we haven't verified, and points cards whose currency we haven't valued (see below).

This ranks card terms. It is not a recommendation to apply for anything. If you already hold something on this list, the win is using it in the right place — that's what the app is for.

Not ranked — and why

These cards advertise a high earn rate for this category, but they pay hotel, airline or transferable points and we have not verified what that currency is actually worth. Ranking them at a made-up value would put them above cash-back cards on arithmetic we invented, so they sit here until the valuation is researched.