2026 editorial shortlist
Cards for Gas
Get more back every time you fill up.
Gas is a consistent monthly expense that adds up. Published gas cards earn 2-5% back, and several have no annual fee.
These editorial shortlists compare published reward rates, annual fees, spending caps, and practical usage constraints. They are not personalized optimizer rankings, and affiliate relationships do not determine the ordering.
Opens the optimizer with a starting monthly amount for this category that you can change to your own.
Editorial picks
Featured 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%.
Bank of America Customized Cash
Bank of America
$0
3% on a category of your choice (gas). BofA Rewards members can earn a higher rate.
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.
What the solver picks when this is your only category
Spending only in the optimizer's “Gas stations (excluding Costco Gas)” category, with one card allowed. Each row is a separate optimizer run.
| Monthly spend | Solver's pick | Modeled net per year | How it adds up | Proof status |
|---|---|---|---|---|
| $200/mo | Costco Anywhere Visa1$96 earned − $0 annual fee | $96/yr | $96 earned − $0 annual fee | Proven optimal |
| $500/mo | Costco Anywhere Visa1$240 earned − $0 annual fee | $240/yr | $240 earned − $0 annual fee | Proven optimal |
| $1,000/mo | Wells Fargo Autograph$360 earned − $0 annual fee | $360/yr | $360 earned − $0 annual fee | Proven optimal |
- 1Costco Anywhere Visa: An active Costco membership is required to hold this card; the membership fee is not modeled. Rewards are issued once a year as a Costco reward certificate redeemable at Costco, not as monthly cash back.
Method: cash mode (points valued at their cash-redemption rate), one card, only the spending above (everything else $0), cards open to new consumer applicants (no business or debit cards, no credit-score filter), annual fees after the credits the catalog counts as usable, solved on the card catalog dated Oct 11, 2026. This is the solver's answer for one category, not a ranking of “best” cards; your full spending changes it.
Run your own numbers. The optimizer opens in cash mode with a one-card limit and this category filled in; change the amount to reproduce a row, or raise the card limit to see what a second card adds.
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
Cards selected for one category rarely make the strongest modeled overall wallet.
These editorial picks focus on gas, but the modeled combination depends on your total spending across every category. The optimizer models eligible combinations and tells you whether its result was proven optimal within that run's inputs or was the strongest valid setup found before timeout.
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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 were reviewed as of Oct 11, 2026; later corrections are listed on the Corrections page. Terms may change — always verify current details with the card issuer before applying.