Best for gas
Best Gas Credit Cards
Fill up often? These cards could reward you more at the pump.
Pick a card that fits how you spend—and how you like to earn rewards.
Our no-fee pick
Costco Anywhere Visa® Card by Citi
4x on gas (first $7,000/yr). Requires a Costco membership (not in the figure).
$283/year on the sample profile
Annual fee
$0
Welcome offer
None right now
Other cards worth a look
Highest modeled value
Citi Strata Premier
$301/year on the sample profile · $95 annual fee
View card details →
For non-members
U.S. Bank Altitude® Connect Visa Signature®
$269/year on the sample profile · no annual fee
View card details →Current offer shown; issuer determines eligibility.
Things to know
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-offOur sample spending
groceries: $120/mo · dining: $100/mo · gas: $400/mo · travel: $40/mo · streaming: $20/mo · everything else: $200/mo · total $880/mo
Enter your numbers above and every pick recalculates. Rank every card for this spending in the finder →
See full ranking
Which one is right for the kind of person you are —
Other strong options
Same ranking, same spending — the next cards after the picks above.
Best if you also spend heavily on groceries: Citi Strata Premier — still the pick with groceries doubled. ($474/yr net with groceries doubled.)
Best long-term value: Citi Strata Premier ($301/yr ongoing) · Best first-year opportunity: U.S. Bank Altitude® Connect Visa Signature® ($469 first year, $269/yr after year one). A one-time bonus never changes the ongoing ranking.
Show rewards math
- Our no-fee pick — Costco Anywhere Visa® Card by Citi: The best value among cards with no annual fee.
- For non-members — U.S. Bank Altitude® Connect Visa Signature®: The best value among cards that require no membership.
- Highest modeled value — Citi Strata Premier: The highest net value on this spending. Money determines rank. Citi Strata Premier earns an estimated $18 more yearly for this sample profile, but charges a $95 annual fee.
Guide text reviewed June 3, 2026 · figures computed at build from cards verified November 4, 2026 or later · Methodology v2026.09.4 · Ranked by net annual value (rewards minus the full annual fee — credits count only if you use them), not by who pays us.
Points valued at typical value (1.5¢ for transferable points). A different redemption style can change this order — switch yours in the finder and watch it change.
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.
Costco Anywhere Visa® Card by Citi — where the monthly rewards come from on the sample profile
| Category | Monthly | Rate | Rewards per month |
|---|---|---|---|
| gas | $400 | 4x | $16 |
| other spending | $200 | 1x | $2 |
| groceries | $120 | 1x | $1 |
| dining | $100 | 3x | $3 |
| travel | $40 | 3x | $1 |
| streaming | $20 | 1x | $0 |
Where the winner changes —
Net value vs monthly gas spend
View this chart as a table
| Monthly gas spend | Citi Strata Premier | Costco Anywhere Visa® Card 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 |
Check bonus requirements
Citi Strata Premier
Welcome offer: 60,000 points≈ $900 at our typical valuation
Requirement: Spend $4,000 in 3 months
Welcome bonus progress
Estimated shortfall $1,360
Below the $4,000 requirement based on the spending entered. Estimated eligible spending: $880 × 3 = $2,640.
Check whether ordinary eligible expenses are missing from your estimate. Don't make unnecessary purchases just to earn a bonus.
Spending here means this profile’s spending.
U.S. Bank Altitude® Connect Visa Signature®
Requirement: Spend $1,000 in 3 months
Welcome bonus progress
Your regular spending appears sufficient.
Estimated eligible spending: $880 × 3 = $2,640 against the $1,000 requirement.
Spending here means this profile’s spending.
Best first-year opportunity
Big welcome offer. See what you need to earn it.
U.S. Bank Altitude® Connect Visa Signature®
$469 first year
- $269/year ongoing
- + $200 one-time welcome offer
- $0 annual fee
$200 is one-time. $269/year is ongoing.
Requirement: Spend $1,000 in 3 months
Welcome bonus progress
Your regular spending appears sufficient.
Estimated eligible spending: $880 × 3 = $2,640 against the $1,000 requirement.
Spending here means this profile’s spending.
- Why it stands out
- Large first-year value without an annual fee.
- After year one
- Approximately $269/year at this profile’s spending. Citi Strata Premier produces $301/year ongoing.
- Our take
- Excellent signup opportunity if you can naturally meet the requirement, but Citi Strata Premier earns somewhat more long-term.
Worth considering if you already want this type of card.
How we value points
Figures use typical point values — the same values as Find a Card, read from one table, never typed on a page.
- Cash back: 1¢ per point typical · 1¢ cash floor
- Citi ThankYou Points: 1.5¢ per point typical · 1¢ cash floor
More card details
Best gas card on sample spending
Our practical pick· Best $0 annual fee
The card we'd actually carry at this spending. The ranking below is unchanged.
Costco Anywhere Visa® Card by Citi
$283/year at $400/month gas spending$0 annual fee
The two are essentially tied — the other card earns only about $18 more annually. We'd favor the no-fee option if you qualify and already keep a Costco membership.
Requires a Costco membership; its cost is not in the figure.
Highest mathematical value
Higher modeled value, but the small difference may not justify another annual-fee card.
Citi Strata Premier
$301/year at $400/month gas spending$95 annual fee · +$18 estimated net value
- Why it wins:
- Strong gas earning (3x) plus useful groceries and dining categories (3x and 3x).
- Standout benefit:
- 3x gas — no annual cap + 3x groceries
- Annual fee:
- $95
- Trade-off:
- $95 annual fee — already subtracted from every figure here. Beats the best $0-fee alternative (Costco Anywhere Visa) once you spend about $400/mo on gas + groceries — you're at $520/mo.
+2 more benefits
- — $100 Hotel Savings (annual)
- — No Foreign Transaction Fees
Listed, not priced: perks never become dollars here, and credits count only if you tell us you use them.
These two cards are essentially tied for your spending.
- — Annual fee: Citi Strata Premier $95 · Costco Anywhere Visa $0 — Costco Anywhere Visa costs the least to hold.
- — Transfer flexibility: Citi Strata Premier has 11 transfer partners; Costco Anywhere Visa cashes out only.
- — Standout benefits: Citi Strata Premier — 3x gas + 3x groceries · Costco Anywhere Visa — 4x on gas.
- — Beyond that, it's your preference — either is a sound choice.
Our take — We'd choose the $0-fee option. Citi Strata Premier earns only ~$18 more per year than Costco Anywhere Visa — not enough to take on its fee. Already hold a card? Run your numbers →
Why Citi Strata Premier wins the math
Against Costco Anywhere Visa® Card by Citi, our practical pick: These two cards are essentially tied for your spending — only $18/yr apart. Annual fee: Citi Strata Premier $95 · Costco Anywhere Visa $0 — Costco Anywhere Visa costs the least to hold.
Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
Spend across more than these categories?
Enter every monthly number and we'll re-rank all 67 open consumer cards against exactly how you spend.
Run my full numbersFigures are estimates from our net-value model on a sample gas-weighted profile unless you enter your own, 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.