Best Credit Card for Gas Rewards in the US

Picking one of the best credit cards with gas rewards to spend on fuel can really help your bottom line in the long run. The top-rated options offer superb rebate rates or point-based rewards that help keep your fleet’s profit margin healthy.

More flexible than the best fuel cards on the market, gas credit cards can be used for any business purchases, too. Our research has found that the best choice for most businesses is the Wyndham Rewards Earner Business Card since it can provide a higher financial return on gas and EV spending than other credit cards, despite its $95 per year fee.

Still, depending on how much you spend on fuel, your business may be better suited to a different credit card. Below you can find a review of each of our five highest-ranked options for US fleets.

Best Credit Cards with Gas Rewards in 2024

Here are the top five credit cards with gas rewards according to our in-depth research of the US credit card market. Read this quick table below before diving into our mini-reviews of each option to find the optimal solution for your fleet business.

1. Wyndham Rewards Earner Business Card: Best For High Fuel Spend ($8,000 – $15,000 annually)

When it comes to high fuel spending, fleet businesses need a card that maximizes savings. The Wyndham Rewards Earner Business Card delivers unmatched value with its top-tier points rates, tailored for businesses with significant fuel expenses. Let’s dive into exactly why that is.

Why is the Wyndham Rewards Earner Business Card the best gas credit card for high fuel spend?

With an industry-leading 8 points per $1 rewards rate on gas purchases, this card is ideal for fleet operators with high fuel expenses.

Typically points are most valuable when used on Wyndham properties, making it an appealing choice for fleets that are constantly on the road, but in general, they are reportedly worth between 0.6 to 1 cent per point.

Breaking it down with an example then, you’ll earn $480 to $800 in cashback when spending $15,000 annually — a massive benefit compared to other options.

Employee cards are complimentary, meaning there’s no additional cost to get your driver unique credit cards linked to the company account. You’ll get full control over each employee’s total credit line, single purchase limit, and cash access, and have 24/7 online ability to update these controls and monitor individual and overall expenses.

Given the card only has a $95 annual fee and provides 15,000 bonus points to cardholders each year for nothing, you could say this card pays for itself too, since those 15,000 points would be valued at around $120 (if we assume a 0.8 cent per point valuation).

For these reasons, the Wyndham Rewards Earner Business card is the best option around but particularly for those with high fuel spend. Unlike Sam’s Club Business Card, the Citi Custom Cash Card, or even the American Express Business Gold Card, there are no limits on bonus points. Simply, the more gas you purchase, the more points you will receive.

What else does the Wyndham Rewards Earner Business Card offer?

Besides those appealing cashback opportunities for high-value fuel spend, the Wyndham Rewards Earner Business Card can also be used to redeem hotel stays and other business travel needs within Wyndham’s ecosystem, adding flexibility and value for businesses.

That should be appealing for fleet operators and drivers since Wyndham dominates the roadside hotel market across the US. In other words, there should be plenty of opportunities to get free hotel stays with your points, alongside room upgrades and other perks given you’ll have free Wyndham Diamond status by having this card.

You can also transfer and match these point valuations to Caesar’s hotels, too. Plus, you can match your Wyndham Diamond status for Caesars Diamond status, too, which grants you perks like an annual 4-night stay at Atlantis.

And Wyndham adds plenty of points for you to use, too. You’ll get 15,000 bonus points each anniversary year as discussed above, which can be redeemed for free nights at participating Wyndham properties.

At the time of writing, with its introductory offer, you could also get 80,000 points (enough for ten nights at its properties) if you spend $4,000 within 90 days of signing up (for 40,000 points) and spend $15,000 overall within 365 days (for another 40,000 points).

2. Sam’s Club Business Mastercard: Best for Moderate Fuel Spend ($3,000 – $6,000 annually)

For smaller fleet businesses with moderate gas expenses, the Sam’s Club Business Mastercard offers a no-annual-fee solution with generous cashback rates.

Why is the Sam’s Club Business Mastercard the best gas credit card for moderate fuel spend?

With 5% cashback on gas purchases (up to $6,000 annually), including at Sam’s Club and Walmart fuel stations, this card is ideal for businesses with moderate fleet needs. It delivers consistent savings without additional costs since you’ll have no payments to make besides your Sam’s Club membership.

What else does the Sam’s Club Business Mastercard offer?

Aside from fuel savings, this card offers rewards on dining (3%) and purchases at Sam’s Club (1%). It’s a versatile card for small business operators looking to maximize their spending across different categories.

Albeit, these bonuses come via Sam’s Club membership which starts at $50 annually for Club members and $110 for Plus members. This card serves as your Sam’s Club membership card and has no foreign transaction fees, adding convenience for businesses with international transactions.

3. American Express Business Gold Card: Best Credit Card with Gas Rewards for Flexible Business Spending

For businesses seeking a versatile rewards structure that adapts to their spending patterns, the American Express Business Gold Card offers substantial benefits, especially for those with significant fuel expenses. Here’s an in-depth look at its features:

Why is the American Express Business Gold Card the best gas credit card for flexible spending?

The American Express Business Gold Card earns you x4 Membership Rewards points on your top two eligible spending categories each month, up to $150k per year.

With those points estimated to be valued around 1 to 2 cents per point (depending on redemption form), that could make for a healthy return. For instance, if you’re top spending category was for fuel, and your company spent $15,000 on gas that year, you’ll receive a value of between $600 and $1,200 to spend. Minus the fairly hefty (compared to other credit cards on this page) $375 annual fee, you’ll still have between $225 and $825 in cashback points to use.

If we assume you only used the card for fuel purchases and took the low 1-cent value for each point, then you’ll need to spend $9,375 annually to break even, which might deter smaller business fleets. Though given you’ll be getting x4 rewards on another top spending category too, alongside points for all other purchases and many other perks we’re yet to detail, it’s likely you’ll be sitting in profits rather than losses.

After you’re first $150,000 in combined purchases of the top two eligible categories each calendar year, the reward point rate for these categories drops to x1.

What else does the American Express Business Gold Card offer?

Besides US gas stations, the eligible categories for these rewards are US restaurants, US purchases for advertising in select media, US purchases made directly from select technology providers, US shipping purchases plus US purchases of computer hardware, software, and cloud computing from select providers.

There are several other perks of the American Express Business Gold Card, too. For starters, right now new customers get 100,000 Membership Rewards points after they spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.

You can also earn x3 Membership Rewards points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.

There are no foreign transaction fees either, so this card is a solid choice for us no matter where you or your team find themselves globally.

4. Coast Card: Best Credit Card for Gas Rewards Designed For Fleets

The best gas credit card specifically designed for fleets is the Coast Card. It stays in its lane, primarily focusing its benefits on gas and electric charging rebates (which I’d say are pretty tempting compared to the competition). Better yet, unlike most credit cards with gas rewards, it integrates with your fleet operations via popular telematics and fleet management software like Samsara and Azuga.

Why is the Coast Card the best fleet credit card for gas rewards?

Offering rebate rates of 2 cents per gallon at all gas stations, the Coast Card means you’ll always get a decent cashback rate wherever you re-fuel compared to many US fleet card companies.

Better yet, you can get up to 10 cents per gallon back at Coast’s partner stations. Those higher rebate stations (above 6 cents per gallon) are mostly found in Northeastern regions of the US and Houston, Texas, though I found that I could regularly find 4 cents per gallon stations in the majority of the US.

What else does the Coast Card offer?

Unlike some of the other credit cards discussed above, the Coast Card doesn’t require additional membership to a partner organization.

Likewise, you’ll not face as hefty of an annual fee for the pleasure, with Coast offering transparent and competitive fees of $4 per active card, per month. Albeit, a per-card charge means you’ll end up with a little extra cost for multiple drivers to use a Coast Card compared to other gas credit cards on this page which have complimentary staff cards, like American Express, or others with no fee per card at all, like the Citi Custom Cash Card.

Besides gas cashback, you’ll also get a flat 1% cashback rate on all non-fuel purchases. While that’s appealing, these non-fuel rebates/rewards aren’t as high as other credit cards I’ve detailed on this page, as the Coast Card is designed for fleet usage in particular rather than any other general purchases.

5. Citi Custom Cash Card: Best for Owner-Operators with Low Fuel Spend ($1,000 – $2,000 annually)

If you are an owner-operator who has minimal gas expenses, the Citi Custom Cash Card offers excellent value without an annual fee. In other words, even smaller fuel budgets can earn significant rewards.

Since this is a personal credit card, it will only be suitable for use by an individual such as an owner-operator, though it can also be authorized for use by friends and family.

Why is the Citi Custom Cash Card the best gas credit card for owner operators with low fuel spend?

With 5% cashback on your highest spend category up to $500 per billing cycle, you’ll be able to maximize rewards even with moderate fuel purchases. Granted, that figure is much smaller than competitors, but since this is a personal card this is understandable and should be enough for an individual. Of course, you’ll want to make sure fuel is your top purchasing category when using this card for these cashback rates to apply, too.

The other potential categories this 5% cashback could apply to, besides from gas stations, are restaurants, grocery stores, drugstores, select travel and transit, select streaming services, home improvement stores, fitness clubs, and live entertainment.

These cashback percentages are earned as Citi’s ThankYou Reward Points, which are estimated to be worth between 1 and 1.5 cents each when redeemed for cashback or anything else that Citi allows redemption for. Inevitably, this will vary depending on how you opt to cash out.

It’s worth noting that there is no fee to add authorized users to the Citi Custom Cash Card, either. That means adding co-workers to help you earn cash back faster and max out the $500 cap on the 5% back category.

What else does the Citi Custom Cash Card offer?

The card’s automatic category tracking eliminates the need to monitor bonus categories manually. Additionally, it’s versatile, allowing rewards to apply to other spending categories if your gas usage varies month-to-month.

At the time of writing, the Citi Custom Cash Card is also offering an additional 4% cash back on hotels, car rentals, and attractions booked on the Citi Travel portal through 6/30/2025.

Additionally, the card’s 0% introductory APR on purchases and balance transfers for 15 months should be beneficial for managing cash flow.

How To Pick the Best Credit Card With Gas Rewards?

Just as with any financial investment, you need to consider the relative costs and benefits of each credit card you could select.

Key factors to consider:

1. Spending habits: Is your fleet constantly on the road? If so, prioritize cards offering year-round gas rewards over rotating categories.
2. Annual fee: Weigh the cost against potential rewards. High-spending fleet businesses might justify premium cards with fees, but businesses that only make weekly deliveries, for instance, may prefer no-fee options.
3. Rewards rate: Higher cashback percentages are better for those with high fuel spending.
4. Spending caps: Look at limits on cashback categories, such as the limit of gas spending you can get a cashback return on.
5. Additional perks: Look beyond gas. Many top cards offer cashback or points on groceries, travel, and dining. Cards with attractive introductory bonuses can provide immediate value too, especially for new cardholders. Relatedly, you’ll want to confirm how rewards can be redeemed as some cards are restrictive, while others offer flexibility (e.g., travel credits, gift cards, or cash).