Rankings by math, not commissions. Advertiser Disclosure
Best cards → Gas

⛽ Best gas credit cards: November 2026

Generated November 10, 2026 from 261 researched cards · 10 shown

No card issuer pays us today. UseTheseCards has no affiliate links and no advertisers, so this ranking is pure math over published card terms. Nothing on this page earns us a cent. How we're paid · Editorial policy

Gas stations, and usually EV charging too.

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1
Costco Anywhere Visa Card by Citi
Citi · no annual fee
5% on gas.
capped at $7,000 spend per calendar year · Gas purchased at Costco warehouse gas stations worldwide; shares the $7,000 cap with the 4% tier, then 1%
Terms verified Jul 30, 2026 · issuer page
2
Sam's Club Mastercard
Synchrony · no annual fee
5% on gas.
capped at $6,000 spend per year, then 1% · Anywhere Mastercard accepted, incl. Sam's Club fuel centers
Terms verified Jul 30, 2026 · issuer page
3
Custom Cashmust choose
Citi · no annual fee
5% on gas, but only as a chosen category.
the issuer picks the category for you from where you actually spend · capped at $500 spend per billing cycle · 5% on TOP eligible spend category each billing cycle, first $500 spend, then 1%. ONE category per cycle, chosen automatically by Citi from spend, NOT…
Terms verified Jul 30, 2026 · issuer page
4
Cash+ Visa Signaturemust choose
US Bank · no annual fee
5% on gas, but only as a chosen category.
you must select "Gas/EV stations" (quarterly) · capped at $2,000 spend per quarter · activation required every quarter, not retroactive, so activate before you spend
Terms verified Nov 10, 2026 · issuer page
5
Cashback Rewards Plus American Express
USAA · no annual fee
5% on gas.
capped at $3,000 spend per calendar year · Own $3,000 annual spend cap since ~March 2026; previously shared a single $3,000 cap with military base purchases. · membership required to hold the card
Terms verified Jul 30, 2026 · issuer page
6
AT&T Points Plus Card from Citi
Citi · no annual fee
3× on gas.
≈4.5% at 1.5¢/pt: our researched value for Citi ThankYou Points · sources: TPG 1.9¢ (Aug 3, 2026), FrequentMiler 1.5¢ (Jul 23, 2026)
Terms verified Jul 30, 2026 · issuer page
3×≈ 4.5% at 1.5¢/pt
Have it? Add it to your wallet →
7
Citi Strata Card
Citi · no annual fee
3× on gas.
≈4.5% at 1.5¢/pt: our researched value for Citi ThankYou Points · sources: TPG 1.9¢ (Aug 3, 2026), FrequentMiler 1.5¢ (Jul 23, 2026)
Terms verified Jul 30, 2026 · issuer page
3×≈ 4.5% at 1.5¢/pt
Have it? Add it to your wallet →
8
Citi Strata Premier Card
Citi · $95/yr
3× on gas.
≈4.5% at 1.5¢/pt: our researched value for Citi ThankYou Points · sources: TPG 1.9¢ (Aug 3, 2026), FrequentMiler 1.5¢ (Jul 23, 2026)
Terms verified Jul 30, 2026 · issuer page
3×≈ 4.5% at 1.5¢/pt
Have it? Add it to your wallet →
9
Sapphire Preferred
Chase · $95/yr
3× on gas.
NEW 6/15/2026
≈4.5% at 1.5¢/pt: our researched value for Chase Ultimate Rewards · sources: TPG 2.05¢ (Aug 3, 2026), FrequentMiler 1.5¢ (Jul 23, 2026)
Terms verified Jul 30, 2026 · issuer page
3×≈ 4.5% at 1.5¢/pt
Have it? Add it to your wallet →
10
Autograph
Wells Fargo · no annual fee
3× on gas.
redemption: Wells Fargo Rewards; 1cpp cash/travel. Transfer partners (Choice, Avianca, AerClub, BA, Iberia, Flying Blue) require pa…
≈4.2% at 1.4¢/pt: our researched value for Wells Fargo Rewards · sources: TPG 1.75¢ (Aug 3, 2026), FrequentMiler 1.4¢ (Jul 23, 2026), UpgradedPoints 1.5¢ (Jun 17, 2026)
Terms verified Jul 30, 2026 · issuer page
3×≈ 4.2% at 1.4¢/pt
Have it? Add it to your wallet →

How to read this

"Must choose" cards do not pay this rate by default. A 5% pick-your-category card earns 5% here only if you park it on this category (and on nothing else that month or quarter), and a rotating-calendar card earns it only while the issuer's published quarter includes this category, usually only after you activate. If you won't do that reliably, a flat-rate card lower down is worth more to you than the bigger number above it. "Conditions apply" means the rate needs something extra: a deposit balance, a wallet, a membership.

Rates are the published earn rate times the redemption value we researched for that card's currency: cash back at face value, points at the value in data/pointValues.json. That value is deliberately conservative: it is never higher than the lowest figure the sources printed on the row publish, so when The Points Guy says 2¢ and Frequent Miler says 1.5¢, every number here uses 1.5¢. Where only one source exists, the row says single-source value: rank it accordingly. Caps, portal-only bookings and activation deadlines are printed on the row because they routinely halve the real return. We exclude discontinued cards, store-only cards, cards whose terms we haven't verified, and points cards whose currency we could not value at all (see below).

This ranks card terms. It is not a recommendation to apply for anything. If you already hold something on this list, the win is using it in the right place: that's what the app is for.

Not ranked, and why

These cards advertise a high earn rate for this category, but they pay in a currency we tried to value and could not: no published redemption rate, no transfer partners, nothing to check. Ranking them at a made-up value would put them above cash-back cards on arithmetic we invented, so they sit here until a real number exists. (Every other points card on this page now ranks on a researched, sourced value: see the line under each row.)