Best for gas
The best credit card for gas
Updated June 3, 2026 · Methodology v2026.09.1 · Ranked by net annual value (rewards minus the full annual fee — credits count only if you use them), not by who pays us.
This profile's spending
grocery: $120/mo · dining: $100/mo · gas: $400/mo · travel: $40/mo · streaming: $20/mo · everything else: $200/mo · total $880/mo
Gas cards pay anywhere from 3% to 5% at the pump. Here's the one that nets the most for a heavy-driving wallet — after fees.
Our pick.
Citi Strata Premier
$301/yr net
3x at the pump$95 fee already subtracted above
Best gas card by net value for this profile, after the annual fee.
Trade-off: $95 annual fee — already subtracted from every figure here.
Why not Costco Anywhere Visa? It nets only $18/yr less on this exact spending — effectively a tie; pick on fee comfort.
Beats the best $0-fee alternative (Costco Anywhere Visa) once you spend about $400/mo on gas + groceries — you're at $520/mo.
The catch most lists skip.
The podium here is close — a broad 3x card with a small fee edges the dedicated 4% gas cards on a full wallet, and that's the real lesson: if gas is just one of several large categories rather than your only priority, a strong all-around card usually nets more than a single-category gas card. (At moderate gas spend the dedicated 4% cards do take the lead — see the lower tier below.) We work through exactly that trade-off in a dedicated scenario.
See the full trade-offWhere the winner changes —
Net value vs monthly gas spend
Citi Strata PremierCostco Anywhere Visa® by CitiU.S. Bank Altitude® Connect Visa Signature®
Hover the chart to read exact values.
View this chart as a table
| Monthly gas spend | Citi Strata Premier | Costco Anywhere Visa® by Citi | U.S. Bank Altitude® Connect Visa Signature® |
|---|---|---|---|
| $0/mo | $85 | $91 | $101 |
| $100/mo | $139 | $139 | $149 |
| $200/mo | $193 | $187 | $197 |
| $300/mo | $247 | $235 | $245 |
| $400/mo | $301 | $283 | $269 |
| $500/mo | $355 | $331 | $281 |
| $600/mo | $409 | $373 | $293 |
| $700/mo | $463 | $385 | $305 |
| $800/mo | $517 | $397 | $317 |
| $900/mo | $571 | $409 | $329 |
| $1,000/mo | $625 | $421 | $341 |
| $1,100/mo | $679 | $433 | $353 |
| $1,200/mo | $733 | $445 | $365 |
| $1,300/mo | $787 | $457 | $377 |
| $1,400/mo | $841 | $469 | $389 |
| $1,500/mo | $895 | $481 | $401 |
Top 5 gas cards by net value
Citi
$283/yr net
Earns 4x on gas on the first $7,000/yr, then 1x. No annual fee.
US Bank
$269/yr net
Earns 4x on gas on the first $4,000/yr, then 1x. No annual fee.
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If you redeem points for cash instead —
Same profile, points valued at their guaranteed cash floor (no transfer-partner premium). Flat cash-back cards shine here.
#1Costco Anywhere Visa® by Citi$283/yr
#2U.S. Bank Altitude® Connect Visa Signature®$269/yr
#3Citi Strata℠ Card$247/yr
If you spend closer to $200/mo on gas, the podium shifts.
Your spending isn't this profile.
This ranking is for a gas-heavy wallet. Enter your own monthly numbers and we'll re-rank all 67 open consumer cards against exactly how you spend.
Run my own numbersFigures are estimates from our net-value model on a sample gas-weighted profile, with fees counted category-aware (credits count where you'd realize them). See our methodology page. Rates and fees change — verify on the issuer's site before applying.