If you’re spending hundreds on gas every month, you might as well earn something back. Credit cards with fuel rewards can help you turn every gallon into cashback, points, or discounts—making your commute or road trip a little lighter on the wallet. But not all gas reward cards are created equal. Some offer flat-rate cashback, while others provide rotating bonuses or pair well with loyalty programs.

Here’s a breakdown of the top credit cards that help drivers save on fuel, plus how to get even more value when combining them with digital tools and cashback platforms.

1. Citi Custom Cash® Card
   This card offers 5% cashback on your top spending category each billing cycle (up to $500). If gas is your most frequent expense, this can lead to major returns.

• Best for: Drivers with consistent gas spending
  
• Bonus tip: Pair this with an app like Fluz to earn cashback with a gas gift card purchase on top of your 5%.
  

2. Blue Cash Preferred® Card from American Express
   Earn 3% cashback at U.S. gas stations (terms apply), along with high rates on groceries and streaming services. Ideal for households that drive and dine frequently.

• Best for: Families and multipurpose spending
  
• External link: Amex Blue Cash Preferred

3. Sam’s Club® Mastercard®
   Offers 5% cashback on gas purchases (up to $6,000/year) for Sam’s Club members. Accepted at most gas stations, not just Sam’s Club locations.

• Best for: Sam’s Club members and bulk fuel buyers
  
• External link: Sam’s Club Mastercard

4. Costco Anywhere Visa® Card by Citi
   Gives 4% cashback on eligible gas purchases (up to $7,000 annually) and 3% on travel. Works well if you already have a Costco membership.

• Best for: Costco shoppers and road trippers
  
• External link: Costco Visa by Citi

5. Discover it® Cash Back
   Offers 5% cashback in rotating categories each quarter (including gas stations during select months). Plus, it matches all cashback earned in your first year.

• Best for: Rotating category optimizers
  
• External link: Discover it Cash Back

6. PNC Cash Rewards® Visa®
   This card earns 4% at gas stations, 3% at restaurants, and 2% at grocery stores—making it ideal for everyday expenses.

• Best for: Everyday driving and dining
  
• External link: PNC Credit Cards

How to Maximize Fuel Rewards with Credit Cards

• Stack with digital tools: If your card offers cashback on gift cards or mobile wallet purchases, use an app like Fluz to buy gas gift cards online or pay with a virtual card and earn double rewards.
  
• Watch the fine print: Some cards exclude purchases made inside gas station convenience stores or via mobile wallets.
  
• Combine with loyalty programs: Programs like Exxon Mobil Rewards+ and Shell Fuel Rewards can be layered with credit card points.
  

Final Thoughts

Choosing the right credit card for gas purchases depends on your driving habits and where you refuel. Whether you’re loyal to one station or switch between brands, the best card is one that fits your routine and lets you earn the most—especially when paired with loyalty programs and cashback apps. Fuel up smarter, not harder.