With gas prices fluctuating and the cost of public transportation on the rise, finding the best credit card for fuel and commuting expenses has never been more important. Whether you're a daily commuter, a rideshare driver, or a frequent traveler, the right credit card can help you save hundreds—or even thousands—of dollars each year.
In this guide, we’ll break down the top credit cards for gas and transportation, highlighting their rewards structures, perks, and how they align with today’s economic and environmental trends.
Why You Need a Gas & Transportation Credit Card
Rising Fuel Costs and Inflation
Gas prices remain volatile due to geopolitical tensions, supply chain disruptions, and inflation. A credit card that offers cash back or rewards on gas purchases can help offset these rising costs.
The Shift Toward Sustainable Transportation
As more people embrace electric vehicles (EVs), bikes, and public transit, some credit cards now offer rewards for alternative transportation methods, including charging stations, subway passes, and ride-hailing services.
Maximizing Everyday Spending
Many Americans spend a significant portion of their budget on transportation. A specialized credit card ensures you’re earning rewards where it matters most.
Top Credit Cards for Gas Purchases
1. Costco Anywhere Visa® Card by Citi
- Rewards: 4% cash back on eligible gas purchases (up to $7,000 per year, then 1%).
- Perks: No annual fee (Costco membership required), 3% back on restaurants and travel, 2% at Costco.
- Best For: Costco members who frequently fill up at Costco gas stations.
2. Bank of America® Customized Cash Rewards Credit Card
- Rewards: 3% cash back in a category of your choice (including gas), plus 2% at grocery stores/wholesale clubs.
- Perks: $200 online cash rewards bonus after spending $1,000 in the first 90 days.
- Best For: Flexibility—you can change your 3% category each month.
3. PenFed Platinum Rewards Visa Signature® Card
- Rewards: 5x points on gas purchases at the pump.
- Perks: No annual fee, competitive rewards for military members and affiliates.
- Best For: High-volume gas buyers who want straightforward rewards.
Best Credit Cards for Public Transportation & Ride-Sharing
1. U.S. Bank Altitude® Connect Visa Signature® Card
- Rewards: 4x points on travel, gas, and EV charging stations.
- Perks: $30 annual streaming credit, no foreign transaction fees.
- Best For: Commuters who use a mix of gas and public transit.
2. Chase Sapphire Preferred® Card
- Rewards: 3x points on travel (including subway, buses, and ride-sharing).
- Perks: 25% more value when redeeming points through Chase Ultimate Rewards®.
- Best For: Urban dwellers who rely on Lyft, Uber, or transit systems.
3. Wells Fargo Autograph℠ Card
- Rewards: 3x points on transit (including tolls, parking, and rideshares).
- Perks: Cell phone protection, no annual fee.
- Best For: Budget-conscious commuters who want broad travel rewards.
EV-Friendly Credit Cards
As electric vehicles gain popularity, some credit cards now offer rewards for charging:
1. Tesla Credit Card
- Rewards: 5% back at Tesla Superchargers, 2% at other charging networks.
- Perks: Exclusive discounts on Tesla accessories.
2. Citi Premier® Card
- Rewards: 3x points at gas stations (including EV charging).
- Perks: Annual $100 hotel credit.
How to Choose the Right Card
Consider Your Spending Habits
- Do you drive long distances? A high gas rewards card is ideal.
- Do you use public transit? Look for cards with transit bonuses.
Check for Rotating Categories
- Some cards (like Chase Freedom Flex℠) offer 5% back on gas in select quarters.
Evaluate Annual Fees
- Many gas cards have no annual fee, but premium travel cards may justify their cost with added perks.
Look Beyond Gas
- The best cards offer rewards on dining, travel, or groceries to maximize everyday spending.
Final Tips for Maximizing Rewards
- Stack Rewards: Use a gas card in combination with apps like Upside for extra cash back.
- Pay in Full: Avoid interest charges by paying your balance monthly.
- Monitor Promotions: Some cards offer limited-time bonuses on gas or transit spending.
By selecting the right credit card, you can turn your everyday commuting expenses into valuable rewards—helping you save money while navigating today’s unpredictable transportation costs.