2026 Rankings
Best Cards for Gas
Get more back every time you fill up.
Gas is a consistent monthly expense that adds up. The best gas cards earn 2-5% back, and several have no annual fee.
Top picks
No. 1 pick
Costco Anywhere Visa
Citi
$0 with Costco membership
4% on gas and EV charging (5% at Costco pumps) on up to $7,000/year, then 1%.
BofA Customized Cash
Bank of America
$0
3% on a category of your choice (gas). BofA Preferred Rewards members get up to 5.25%.
Wells Fargo Autograph
Wells Fargo
$0
3x on gas plus transit, dining, travel, and streaming. No cap.
Amex Blue Cash Preferred
American Express
$95/year
3% on gas, plus 6% on groceries and 6% on streaming.
Tips
Pay-at-pump transactions usually code as gas stations. Convenience store purchases inside may code differently.
The Costco Anywhere Visa’s 4% gas rate is capped at $7,000/year in combined gas and EV spend. If you spend more, pair it with another gas card.
EV charging stations may or may not code as gas — check with your card issuer.
Complete setup
The best cards for one category rarely make the optimal wallet.
These are great for gas, but the best combination depends on your total spending across every category. The optimizer evaluates every possible combination to find the mathematically proven best setup.
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Not financial advice. OptimalCardSetup provides mathematical optimization tools for educational and informational purposes only. This does not constitute financial, investment, or credit advice. Card rates, fees, and benefits shown are accurate as of Jul 11, 2026. Terms may change — always verify current details with the card issuer before applying.