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Getting rewards for your everyday purchases is probably one of the best reasons to use a credit card. That extends to gas stations, where the average American spends about $2,500 a year. But the best gas station credit cards help offset those costs while offering attractive sign-up bonuses, rewards and benefits.
Read our guide to find out which gas station credit cards offer the best rewards, benefits and rates for you.
Our Top Picks for the Best Gas Station Credit Cards of 2026
All prices and data are current as of Feb. 24, 2026.
Best Gas Station Credit Cards Reviews
Why we chose it: The BP Rewards Visa from FNBO offers customers savings of 30 cents per liter at a network of 7,600 BP and Amoco gas stations in the first 60 days after account opening.
After that sign-up bonus expires, the card shows savings of 15 cents per gallon. While the BP Rewards Visa’s 32.24% APR is high compared to other category winners, the card has no annual fee and offers 5x points on non-fuel purchases at BP and Amoco; 3x points for grocery, restaurant and food delivery; and 1x points on all other purchases.
Those points can be redeemed for real cash back, you can redeem them as a statement credit, ACH deposit or as a check.
Terms apply. Please click here for current rates and fees.
Why we chose it: The Exxon Mobil Smart Card+ from Citi offers users a 5% statement discount on convenience stores and car washes as a statement credit on the first $1,200 in non-fuel purchases per year.
Additionally, the card offers savings of 12 cents per gallon on premium gasoline purchases and 10 cents per gallon on other gasoline purchases at more than 12,000 locations across the United States.
There is no annual fee, and the variable APR is currently 33.24%.
Terms apply. Please click here for current rates and fees.
Why we chose it: The Sheetz Visa card from FNBO offers up to 10 cents per gallon at 817 gas station locations.
Additionally, the card’s sign-up bonus includes a discount of up to 30 cents per liter for the first 60 days of account opening. The Sheetz Visa card also offers 5% cash back at Sheetz on non-gas purchases and 1% across the board.
Its variable APR is currently 30.24%, and there is no annual fee.
Terms apply. Please click here for current rates and fees.
Why we chose it: The Shell Fuel Rewards Credit Card from Citi is accepted at 13,500 locations.
The card’s sign-up bonus includes a discount of 30 cents per liter (up to 35 liters on the first purchase of Shell fuel), and a discount of 10 cents per liter (up to 35 liters) thereafter. The Shell Fuel Rewards Card also features 10% annual Shell rebates on the first $1,200 of non-fuel purchases at Shell and 2% annual Shell rebates on the first $10,000 spent on dining and shopping.
The card’s current variable APR is 32.49%, and there is no annual fee.
Terms apply. Please click here for current rates and fees.
Why we chose it: The Techron Advantage Visa Credit Card from Synchrony Bank offers a sign-up bonus that includes a discount of 65 cents per liter for the first 30 days of activation.
After that, the card offers a discount of 3 cents per liter and up to 10 cents per liter in statement credits. Benefits include $0 fraud liability, mobile protection plans (up to $300 per claim) and access to the Synchrony Car Care Network.
The Techron Advantage Visa can be used at 8,400 Chevron and Texaco locations. There is no annual fee, and the card’s variable APR is currently 33.99%.
Terms apply. Please click here for current rates and fees.
Why we chose it: FNBO’s Wawa Mastercard offers cardholders a discount of 5 cents per liter.
Customers can also enjoy a sign-up bonus discount of 50 cents per gallon in the first 30 days of account opening. Additionally, the Wawa Mastercard offers 3x points on non-fat purchases at Wawa and 1x points everywhere. Points can be automatically converted into Wawa gift cards.
The card, which can be used at 1,200 Wawa locations, has no annual fee. Its current variable APR is 30.24%.
Terms apply. Please click here for current rates and fees.
Cash Back Credit Cards FAQs
How do cash back credit cards work?
Cash back credit cards give you back a percentage of what you spend on your credit card at regular intervals. This percentage can be used to purchase certain products or services through the bank’s online portal or as a check in the mail. It can also be used as a statement credit to pay off part of your credit card debt.
What is the best cash back credit card?
According to Money, the best cash back credit card is the Blue Cash Preferred® card from American Express because of the high level of cash back offered on certain categories, bonuses and promo discounts. The best cash back card also depends on your spending habits and needs.
The cashback is not taxable as it is treated as a discount or rebate. However, depending on the amount of cashback offered by the signup bonus, this may, in fact, be taxable. If you’ve earned a lot of these over the year, especially with business credit cards that offer high rates, remember that you’ll likely have to pay taxes on them.
When does my refund expire?
In most cases, refunds do not expire unless the account is closed.
How We Picked the Best Gas Station Credit Cards
The best gas station credit cards offer high-value rewards for everyday spending, competitive sign-up bonuses and low or no fees. This methodology evaluates these cards with a focus on cash back rates, fee structures and additional benefits.
| Cash Back Rewards | Signup Bonus | Funds | Other Perks |
| 40% | 35% | 20% | 5% |
- Refund Rewards: Fixed and straight cashback or rewards rate for all purchases with tiers. Enhanced rewards for everyday use categories (eg, groceries, gas).
- Signup Bonus: New cardholders can often find great bonuses with the best credit cards.
- Payments: No-fee cards may have additional fees, which can lower their rate.
- Other benefits: Any other benefits and benefits that the card includes, be it travel, low interest or construction credit.
Read our full guide here.
A Roundup of the Best Gas Station Credit Cards for 2026
To see rates and fees for the Blue Cash Preferred® Card from American Express, visit this link. Terms apply.
*Insurance disclosure for American Express cards on this page:
Travel Delay Insurance: Eligibility and benefits vary by card. Terms, Conditions and Restrictions apply. Please visit americanexpress.com/benefitsguide for more information. Underwritten by New Hampshire Insurance Company, an AIG Company.
Global Assist Hotline: Eligibility and benefits vary by card. Terms, Conditions and Restrictions apply. Please visit americanexpress.com/benefitsguide for more information. Card Members are responsible for fees charged by third party service providers.
Extended Warranty, Purchase Protection, Luggage Insurance Program: Eligibility level and Benefits vary by card. Terms, Conditions and Restrictions apply. Please visit americanexpress.com/benefitsguide for more information. Underwritten by AMEX Assurance Company.
Car Rental Loss and Damage Insurance: Eligibility and benefits vary by card. Terms, Conditions and Restrictions apply. Please visit americanexpress.com/benefitsguide for more information. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
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