Gas is a category where a no-fee card often wins. Several cards pay 3 to 6 percent or points at the pump, and the right pick depends on whether you shop at a warehouse club, want cash back or a specific travel currency, and how much you drive. This guide ranks the best gas credit cards for 2026 by earn rate, annual fee, and where you fill up.
The Wells Fargo Autograph earns 3 points per dollar at gas stations with no annual fee, which is the simplest pick for most drivers. Costco members earn 4 percent on non-Costco gas with the Costco Anywhere Visa, and the Hilton Honors Surpass from American Express earns 6 points per dollar at US gas stations. On fair credit, roughly 580 to 669, the realistic option is the Capital One QuicksilverOne at 1.5 percent with a $39 annual fee. Figures checked October 5, 2026; confirm current terms at the issuer.
The best gas cards, compared
| Card | Gas | Annual fee | Best for |
|---|---|---|---|
| Wells Fargo Autograph | 3x points at gas stations and EV charging | $0 | Simple, no fee |
| Costco Anywhere Visa (Citi) | 5% at Costco gas, 4% other gas and EV up to $7,000 a year, then 1% | $0, Costco membership required | Costco members |
| Hilton Honors Surpass (Amex) | 6x points at US gas stations | $150 | Highest rate, Hilton fans |
| Blue Cash Preferred (Amex) | 3% at US gas stations | $0 first year, then $95 | Also 6% at US supermarkets on the first $6,000 a year, then 1% |
| Citi Strata Premier | 3x points at gas and EV charging, no cap | $95 | Uncapped points earners |
Earn rates and annual fees checked at each issuer on October 5, 2026. Welcome offers change often and are not listed here; confirm the current offer at the issuer before you apply.
Top pick: Wells Fargo Autograph
Best no-fee pick for most drivers. Earn rate and annual fee checked October 5, 2026. Confirm the current welcome offer at the issuer before you apply.
Which card fits you
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Wells Fargo Autograph is the default for most people: 3 points per dollar at gas stations and EV charging with no fee, and the same rate on restaurants, travel, transit, popular streaming services and phone plans.
Costco Anywhere Visa is the pick if you already pay for Costco. It earns 5 percent on gas bought at Costco and 4 percent elsewhere, up to $7,000 a year combined, then 1 percent. There is no card fee, but you need a Costco membership.
Hilton Honors Surpass pays the highest headline rate at 6 points per dollar at US gas stations, which is worth it only if you value Hilton points and can use the card’s other benefits against the $150 fee.
Blue Cash Preferred earns 3 percent at US gas stations and 6 percent at US supermarkets on the first $6,000 a year, so it is the better single card if groceries are also a big line in your budget.
Citi Strata Premier earns 3 points per dollar at gas and EV charging with no cap, plus the same on supermarkets, dining, flights, and hotels, so it suits heavy, varied spenders who collect transferable points.
Who it fits and who it does not
A gas card fits you if fuel is a steady monthly expense and you pay in full. If your gas spend is small, a flat-rate 2 percent card may earn nearly as much with less to track. Electric-vehicle drivers should check whether a card counts EV charging as gas, since coverage varies; the Autograph, Costco and Citi cards above include EV charging; check the terms on any other card.
Gas cards for fair or average credit
Every card above wants good to excellent credit. FICO puts fair credit at 580 to 669, and applications in that range are usually declined for the Autograph, the Surpass and the Costco Visa. Two cards are realistic instead.
| Card | Gas | Annual fee | The catch |
|---|---|---|---|
| Capital One QuicksilverOne | 1.5% on everything, gas included | $39 | Needs $2,600 of annual spend to earn the fee back |
| Discover it Secured | 5% in quarterly categories you activate, up to a quarterly maximum, then 1% | $0 | Requires a refundable security deposit |
The QuicksilverOne pays a flat 1.5 percent, so a tank earns the same as a grocery run. At $39 a year you break even at $2,600 of spending, and below that the card costs you money.
The Discover it Secured pays 5 percent in quarterly categories you activate, up to a quarterly maximum, and 1 percent on everything else. Gas earns 5 percent only in a quarter when gas stations are the category. It also takes a deposit up front, refundable when Discover graduates the account.
Both of these are score-building cards that happen to earn something at the pump. The sequence that works is to hold one for 12 to 18 months, pay the statement in full every month, and reapply for the Autograph once the score clears roughly 700. The gap is worth waiting for: 3 points per dollar and no annual fee against 1.5 percent and a $39 fee.
If you are working a score up rather than picking a card, rebuilding credit covers the timeline, and hard inquiries explains what an application costs you in the meantime.
Figures checked October 5, 2026. Credit requirements are the issuer’s estimate, not a guarantee, so confirm current terms before you apply.
Risk and eligibility
Rewards only help if you pay in full, since fuel is a small purchase and interest erases the reward quickly. Application rules still apply: Chase uses the 5/24 rule, American Express limits many cards to once per lifetime for the welcome bonus, and Citi has its own timing rules, so check your standing first. Warehouse and grocery-store fuel can code differently from standalone gas stations, so confirm the merchant category if a specific rate matters. The figures above were checked October 5, 2026; card terms change, so confirm at the issuer.
More best-card guides
- All best cards, by category
- Best credit cards for groceries
- Best cards for airport lounge access
- How transfer partners work
- Which card should I get next
FAQ
Does gas bought at Costco or a supermarket earn the gas bonus?
Not always. Fuel at a warehouse club or a grocery store can code as that merchant rather than a gas station, so a gas bonus may not apply. The Costco Anywhere Visa is the exception, since it is built for Costco fuel.
Do gas cards cover electric-vehicle charging?
Some do and some do not. The Wells Fargo Autograph, the Costco Anywhere Visa and the Citi Strata Premier include EV charging in the gas bonus. Check the terms on any other card if you drive electric.
Is a flat-rate card better than a gas card?
If you spend little on gas, a flat 2 percent card can earn about the same with no categories to manage. A dedicated gas card wins when fuel is a large, steady expense.
Are gas rewards capped?
Sometimes. The Costco Anywhere Visa caps the higher gas rate at $7,000 a year combined, and rotating-category cards cap each quarter. The Wells Fargo Autograph and the Citi Strata Premier have no gas cap.
What is the best gas credit card?
For most drivers the best gas credit card is the no-fee Wells Fargo Autograph at 3x on gas. Costco members do better with the Costco Anywhere Visa at 4 percent, and the highest rate is the Hilton Honors Surpass at 6x if you use Hilton points. See the comparison above.
Last reviewed October 2026. We verify every rule, ratio, and figure against issuer terms and current reporting, and date each one. See our editorial standards for how we research and correct guides.
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