Best Gas Credit Cards for September 2022: Earn Rewards for Your Gas Spending

Best Gas Credit Cards for September 2022: Earn Rewards for Your Gas Spending

Whether you're commuting to work or taking a summer road trip, using a gas credit card is a good way to put some rewards back in your pocket for spending you have to make.

These cards are designed with high rewards rates specifically on gas and gas station purchases -- you can earn up to 5% of your gas costs back, among other perks like welcome bonuses, grocery rewards and introductory APRs. The picks below fit a variety of needs, so there's sure to be a good choice for your wallet. 

Intro Offer Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

APR16.24% - 26.24% (Variable)

Intro Purchase APR0% for 15 months on purchases

Recommended Credit Excellent, Good

Reward Rates

• Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
• Earn unlimited 1% cash back on all other purchases.

Annual Fee$0

Intro Balance Transfer APR0% for 15 months on balance transfers

Balance Transfer APR16.24% - 26.24% (Variable)

Balance Transfer Fee Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.

Late Payment Fee Up to $41

Foreign Transaction Fees 3%

Penalty APR Up to 29.99% (Variable)

• Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
• Earn unlimited 1% cash back on all other purchases.

Our Take

The Citi Custom Cash℠ Card allows cardholders to earn 5% cash back on their highest eligible spending category, on up to $500 of expenditure within a billing cycle, then 1%. Gas stations are an eligible category. This 5% gets applied automatically depending on your spending within the billing cycle, so be sure to use this card primarily for gas. For most commuters, this card will maximize your cash-back earnings on gas savings over all others.

Other eligible spending categories include restaurants, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs and live entertainment. 

Check out our full review of the Citi Custom Cash℠ Card.

Intro Offer For a limited time, earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening

APR18.24% - 26.24% (Variable)

Intro Purchase APRN/A

Recommended Credit Excellent, Good

Reward Rates

• Earn 3 Points per $1 spent at Restaurants and Supermarkets
• Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
• Earn 1 Point per $1 spent on all other purchases

Annual Fee$95

Balance Transfer APR18.24% - 26.24% (Variable)

Balance Transfer Fee Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.

Late Payment Fee Up to $41

Foreign Transaction Fees 0%

Penalty APR Up to 29.99% (Variable)

• Earn 3 Points per $1 spent at Restaurants and Supermarkets
• Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
• Earn 1 Point per $1 spent on all other purchases

Our Take

The Citi Premier Card is a great option for anyone who does most of their spending at gas stations (and supermarkets, restaurants, hotels or air travel). When you spend in those categories, you'll earn 3x points for every dollar you spend, compared with just 1x points per dollar in all other spending categories. And you can earn points at gas stations worldwide.

These points can be redeemed for 1 cent each as a statement credit -- essentially netting you 3% return on gas station purchases. Plus, there's no cap on the amount you can earn the 3x points on. The only downside is its $95 annual fee, so make sure you're earning enough in rewards to make up for it. Check out our full review of the Citi Premier Card for more details on its other benefits.

Intro Offer Earn a $350 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.

APR16.24%-27.24% Variable

Intro Purchase APR0% on purchases for 12 months

Recommended Credit Excellent, Good

Reward Rates

• 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
• 6% Cash Back on select U.S. streaming subscriptions
• 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
• 3% Cash Back at U.S. gas stations
• 1% Cash Back on other purchases

Annual Fee$95

Intro Balance Transfer APR0% on balance transfers for 12 months

Balance Transfer APR16.24%-27.24% Variable

Balance Transfer Fee Either $5 or 3% of the amount of each transfer, whichever is greater.

Late Payment Fee Up to $40

Foreign Transaction Fees 2.7% of each transaction after conversion to US dollars.

Penalty APR 29.99% Variable

• 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
• 6% Cash Back on select U.S. streaming subscriptions
• 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
• 3% Cash Back at U.S. gas stations
• 1% Cash Back on other purchases

Our Take

The Blue Cash Preferred Card from American Express offers high cash-back rates for U.S. gas stations at 3%. But if you don't drive, or commute via public transit or ride-share often, you also get 3% back on those purchases (and parking, tolls, buses, trains and more). In addition to these great transit rewards, you can also earn 6% cash back at U.S. supermarkets on up to $6,000 of spending per year, then 1%, and 1% cash back on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Intro Offer Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

APR14.49% - 23.49% Variable

Intro Purchase APR0% for 6 months

Recommended Credit Fair/New to Credit

Reward Rates

• Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
• Earn 1% unlimited cash back on all other purchases – automatically.

Annual Fee$0

Intro Balance Transfer APR10.99% for 6 months

Balance Transfer APR14.49% - 23.49% Variable

Balance Transfer Fee 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Late Payment Fee None the first time you pay late. After that, up to $41.

Foreign Transaction Fees None

• Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
• Earn 1% unlimited cash back on all other purchases – automatically.

Our Take

The Discover it® Student chrome* is designed to help make credit more accessible for students and to help them build credit, but it still has surprisingly good rewards. You'll earn 2% on gas station and restaurant spending (on up to $1,000 in combined purchases per quarter, then 1%). You'll also earn 1% cash back on all other purchases, as well as an Unlimited Cashback Match at the end of your first year, as is tradition with Discover cards. Because it's a student card, it doesn't come with some of the other perks you might expect.

Intro Offer Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening

APR15.49% - 21.49% Variable

Intro Purchase APR0% Intro APR on Purchases for 12 months

Recommended Credit Good, Excellent

Reward Rates

• Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
• Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
• Earn 1% cash back on all other card purchases with no limit to the amount you can earn

Annual Fee$0

Balance Transfer APR15.49% - 21.49% Variable

Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater.

Foreign Transaction Fees 3% of each transaction in U.S. dollars.

Penalty APR Up to 29.99%

• Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
• Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
• Earn 1% cash back on all other card purchases with no limit to the amount you can earn

Our Take

If you need a gas credit card for your small business, consider the Chase Ink Business Cash card. It's one of the best business credit cards on the market right now. Not only does it offer cash-back rewards on categories that businesses often need like office supplies and telecommunications, but it also offers 2% cash back on gas station purchases (on up to $25,000 in combined gas station and restaurant purchases each year) -- netting you up to $500 in cash back per year just on gas station purchases. And despite the business perks and great welcome bonus, it has no annual fee and a 0% introductory APR on purchases for 12 months (15.49% to 21.49% variable APR thereafter).

Intro Offer N/A

APR15.90% or 23.90% Variable

Intro Purchase APRN/A

Recommended Credit Excellent/Good Credit

Reward Rates

• 5% cash back on gas anywhere (up to $6,000)
• Plus members earn 3% back on eligible purchases when shopping in-club or digitally through Sam's Club when they use their Sam's Club Mastercard and another 2% back from their Plus membership, for a total of up to 5% rewards on eligible purchases.
• 3% cash back on dining and takeout
• 1% cash back on all other eligible purchases.

Annual Fee$0

Foreign Transaction Fees $0

• 5% cash back on gas anywhere (up to $6,000)
• Plus members earn 3% back on eligible purchases when shopping in-club or digitally through Sam's Club when they use their Sam's Club Mastercard and another 2% back from their Plus membership, for a total of up to 5% rewards on eligible purchases.
• 3% cash back on dining and takeout
• 1% cash back on all other eligible purchases.

Our Take

If you're a Sam's Club member, then this Mastercard might be a good option for a gas credit card. With the Sam's Club Mastercard*, not only do you earn 5% cash back on gas purchases at Sam's Club, but you earn the same 5% back at all other gas stations (on the first $6,000 in purchases per year, then 1%). It's an especially attractive card if you're a Sam's Club Plus member and can take advantage of the higher cash back at the store. However, this card doesn't come with many of the perks you'd expect of another rewards credit card, such as a large welcome bonus or 0% introductory APR.

Check out our full review of the Sam's Club Mastercard for more details.

Intro Offer N/A

APR17.49% (Variable)

Intro Purchase APRN/A

Recommended Credit Excellent

Reward Rates

• 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
• 3% cash back on restaurants and eligible travel purchases
• 2% cash back on all other purchases from Costco and Costco.com
• 1% cash back on all other purchases

Annual Fee$0

Balance Transfer APR17.49% (Variable)

Balance Transfer Fee Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.

Late Payment Fee Up to $41

Foreign Transaction Fees 0%

Penalty APR Up to 29.99% (Variable)

• 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
• 3% cash back on restaurants and eligible travel purchases
• 2% cash back on all other purchases from Costco and Costco.com
• 1% cash back on all other purchases

Our Take

If you're a Costco member -- or willing to become one -- the Costco Anywhere Visa Card by Citi* offers 4% cash back on eligible gas for up to $7,000 per year (then 1%). Technically there isn't an annual fee to maintain an account, but you'll need to pay $60 annually for a Costco membership. If you're averaging around $135 per week or less in gas, the 4% cash-back rate can cover your gas bill for the year. The catch is that you can only redeem your rewards on an annual basis.

For more details on how to redeem these rewards and other features, check out our full review of the Costco Anywhere Visa Card.

FAQs

What is a gas credit card?

A gas credit card is one that rewards cardholders for spending at gas stations. Most gas credit cards aren't offered by gas stations themselves. Instead, other credit card issuers offer bonus rewards on gas purchases, among others. The best gas credit cards offer up to 5% back on gas purchases, but most offer 2% to 3%.

What credit score do I need for a gas credit card?

The credit score you need to qualify for a gas credit card depends on the specific card you apply for. Most credit cards on this list require a good credit score of 670 or higher. That being said, some may have stricter requirements. 

On the other hand, cards like the Discover it Student chrome are designed for lower-credit borrowers and may require only average credit.

Who should get a gas credit card?

Gas credit cards can be an excellent option for anyone who does a lot of driving and would see a financial benefit from increased rewards on gas purchases. Consider this: If you spend $250 per month (which amounts to $3,000 per year) on gas, then a card that offers 3% cash back on gas could help you score an extra $90 per year in gas purchases alone. With a card offering 1% cash back on gas, the same amount of spending would result in just $30 per year in cash back.

Is it better to get a cash-back card or a gas credit card?

A cash-back credit card offers you a percentage of cash back on your spending -- either overall at a flat rate or on certain spending categories. A gas credit card is a type of cash-back card that specifically rewards you when you spend money at gas stations. 

One of the benefits of the credit cards on our list is that they don't just reward you for your gas purchases. Instead, they're general cash-back credit cards that happen to include gas as one of their bonus categories. As a result, you can earn higher cash back for your gas purchases (and other spending categories) while still earning baseline rewards for all of your spending.

Our methodology

CNET reviews credit cards by exhaustively comparing them across set criteria developed for each major category, including cash-back, welcome bonus, travel rewards and balance transfer. We take into consideration the typical spending behavior of a range of consumer profiles -- with the understanding that everyone's financial situation is different -- and the designated function of a card. 

For cash-back credit cards, for example, key factors include the annual fee, the "welcome bonus" and the cash-back rate (or rates, if they differ by spending category). For rewards and miles cards, we calculate and weigh the net monetary value of a card's respective perks. And with balance transfer credit cards, we analyze specs such as the duration of the introductory 0% APR period and the balance transfer fee, while acknowledging secondary factors such as the standard APR and the length of time you have to make a balance transfer after you open the account.

For rates and fees of the Blue Cash Preferred Card from American Express, click here .

*All information about the Discover it Student chrome, Costco Anywhere Visa Card by Citi, and Sam's Club Mastercard was collected independently by CNET and has not been reviewed by the issuer.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

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Tags:

• Best Gasoline Credit Cards 2022
• Best Fuel Credit Cards 2022
• Best Credit Cards For Gas Rewards 2022
• Best Gas Cards For 2022
• Best Gas Credit Cards 2015
• Best Credit Cards To Purchase Gas
• Best Gas Credit Card To Get< /li>
• Best Gas Credit Cards For Fair Credit
• Best Gas Credit Cards For Companies
• Best Gas Credit Cards For Fair Credit
• Best Gas Prices In Calgary

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Easy Ways to Save Money on Dining Out, Gas, Electronics and More

Easy Ways to Save Money on Dining Out, Gas, Electronics and More

While inflation has slightly dipped in the past month, prices are still sitting at record highs. This includes groceries, medical care and other necessities like tampons. With that said, you may be looking for ways to save money and offset rising costs. 

When prices are high, spending less on dining at restaurants or shopping can reap big rewards. Fortunately, I've found a few ways to still do the things you love while also saving some money.

Keep reading to find out some ways to save on eating at restaurants and filling up your gas tank, as well as how to get a better deal on devices. For more saving tips, check out these easy and free ways to save money on your gas, electric and water bills.

Buy discounted gift cards for shopping and eating out

If you often spend money on eating out at restaurants and shopping, you'll want to know this tip. You can buy gift cards online with a balance higher than what you pay. That's right. People often receive gift cards to stores and restaurants they don't like or will never go to and they sell them online. You can also get a little bit of cash back. Here are some places to check out. 

CardCash: You can buy unwanted gift cards on CardCash and it'll tell you the amount the card is worth and what you're paying. Just search for any store or restaurant you frequent to see what's available. For instance, I found a $25 Cheesecake Factory gift card for $20.48 (18.1% savings). Plus the site is running a $3 off your $25 purchase deal if you're new. CardCash offers a 45-day money-back guarantee on all purchases

Gift Card Granny: This one works a bit differently. You earn cash back for every gift card you buy on Gift Card Granny. For example, a $50 Lowe's card will get you $0.50 back. Gift Card Granny has a "100% Lifetime Guarantee" on its gift cards.

Save money on gas through membership clubs

While the average gas price has lowered, you still may be thinking about ways to save a bit at the pump. Here's an idea: become part of a membership club. Here are a few places that offer fuel discounts (and other perks). Plus, check out these other ways to save on gas.

Kroger: When you spend money on groceries at Kroger, the total spent is converted into points that you can use toward fuel. Each month, for every 100 points earned, you get $0.10 off, up to $1 off per gallon. Your points expire at the end of the following month. Even if you don't have any points, you can still save $0.03 per gallon at the pump.

Sam's Club: You can become a Sam's Club member by paying an annual fee of $45. With that, you can save $0.05 per gallon when you buy gas.

Walmart Plus: If you join Walmart Plus for $98 annually, you can save $0.05 per gallon at the pump -- and that includes Sam's Club gas stations.

Costco: A $60 membership to Costco gets you access to one of the cheapest places to buy gas in the US. 

Save on things you spend money on often.

Sarah Tew/CNET

Buy used, refurbished and open-box devices

Not quite ready to spend $1,000 on a mobile phone or other electronic device? You don't have to. Instead, you can shop around for used and refurbished devices, as well as products that are considered open box. Check these places out.

Amazon Warehouse: You can find pre-owned, used and open box items in great condition from Amazon Warehouse. I bought an "open box" Ecovacs Deebot at a crazy good discount and it was still in its original packaging. Sometimes these items are bought and returned without being opened, but still have to be categorized as "used" and "open box."

Best Buy Outlet Deals: Just like Amazon, Best Buy has its own section for open box deals. For instance, I found an Apple iPad Pro for $946 open box. The original price is $1,099. For refurbished or preowned products, you can choose to see only those devices by checking the boxes under the "Condition" section.

Apple: Only use Apple products? Check out the Apple refurbished items where you can save on iPhones, iPads, Apple Watches and more. While you won't find the newest iPhone 13 (yet), you can still save $250 on the iPhone 11 Pro. 

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

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How to save, invest and earn more for a better 2022

How to save, invest and earn more for a better 2022

This story is part of The Year Ahead, CNET's look at how the world will continue to evolve starting in 2022 and beyond.

Trying to forecast the future can be a fool's errand, but recent trends in the money world and expert financial predictions offer a window into what 2022 may have in store for us. From rising interest rates to inflation pressures to new IRS rules, here's an overview of what we can expect - and how to make the most of our money.

1.) In debt? Make pay down a priority

If you're saddled with high-interest debt, the new year may be a smart time to prioritize knocking down those balances, as the threat of rising interest rates looms.  

"The U.S. Federal Reserve lowered interest rates in response to the pandemic to help stimulate the economy, which made borrowing money far less expensive for consumers. But as the economy continues to improve and the inflation we're seeing now becomes more of a concern, it's likely the Fed will raise interest rates, which will make borrowing more expensive... which can affect everything from mortgages to credit card debt," says Stefanie O'Connell Rodriguez, host of Real Simple's Money Confidential podcast. 

"If you have credit card debt, this might be a good time to prioritize getting that balance down as much as possible so you're not just paying the minimums and subject to higher interest rates on your remaining balance as rates rise," she advises.

To ease the rate burden, you may want to consider transferring card balances to cards offering 0% introductory interest rates but only if you can pay down the balance before the promotional rate expires, which is often between 12 and 18 months.

Finally, the threat of rising rates may give some homeowners incentive to refinance. If your current mortgage has a variable interest rate -- which means it could periodically adjust with the market -- 2022 may be a wise time to consider switching to a fixed rate mortgage.  

2.) Focused on saving? Shop around  

In recent years we saw the personal saving rate in this country reach record highs - and for good reason. The uncertainties and life shifts brought upon us from the pandemic led those of us fortunate to still have income streams to save more. The stimulus checks also helped in some cases.

Now, if inflation continues to rear its head as it has in recent months, we may need our savings to pay for the increases in groceries, gas, homes and cars. Mapping out a budget for the new year to factor in some of these price hikes can prove essential, as could parking a little more money in the bank if you've yet to build up savings.  

"If you do not have an emergency fund, aim to save at least three to six months of necessary living expenses in a high-yield savings account," recommends Cindy Zuniga-Sanchez, founder of Zero-Based Budget Coaching LLC in New York. "The emergency fund serves as your financial cushion in the event of a job loss, decrease in income or other life change." 

Start with as little as you can but commit to saving consistently. An app like Digit is popular for helping users save small amounts incrementally. It uses machine learning to figure out the easiest amount you can save here and there and makes the transfers for you. Digit's website says the average user saves $2,200 a year through its app. Membership is $5 per month after a free 30-day trial.

And it's a good time to save, theoretically. While rising rates can spell bad news for those carrying debt, it's typically encouraging for those looking to earn more than the near zero percent rate or return they've been accustomed to in their bank accounts. And as more digital-only financial institutions with higher savings rates enter the marketplace vying for our deposits, more consumers may be incentivized to switch banks.

3.) Behind on retirement savings? Bank on new contribution limits  

If 2022 is the year you want to bump up your retirement savings, good news: In November the IRS announced that savers can set aside an extra $1,000 in their workplace retirement account. This includes the 401(k), 403(b), most 457 plans and Thrift Savings Plans. The new contribution limit - which is tax deductible - will be $20,500.

As a reminder to those who may have taken advantage of the CARES Act and taken a coronavirus-related withdrawal from their retirement plan in 2020 at no penalty, you can repay the full amount in 2022 and claim a refund on the taxes you paid. If you haven't done so already, remember that this may be the last eligible year to repay your retirement account to earn back the taxes you may have paid. 

4.) Eyeing a new house? Avoid knee-jerk reactions to rising rates

Prospective homeowners concerned about rising interest rates may be inclined to either sit back on the sidelines or speed up a purchase. But, as always when considering what's probably going to be the biggest financial purchase of your life, consider all of your expenses - and have some perspective. 

"Rates will tick up," says Kathy Braddock, Managing Director of William Raveis NYC. "But most younger buyers need to know that in the late 1970s and early 1980s, rates were close to 20 percent and people still bought homes."  

Braddock's advice to homebuyers is to first do the math to see which move - renting or buying - offers more financial and lifestyle benefits. If you do decide to buy in 2022, it's all the more important to have a strong credit score to bank on the best possible rate. Shop around for a quality loan, and to help ride out market fluctuations, lock your rate and have at least a three-year commitment to staying in the home before needing to sell, says Braddock. Our CNET mortgage calculator can also help you better determine how much house you can afford.

If it's any comfort, the National Realtors Association predicts more housing supply in the next year based on expectations of new construction and the expiration of the mortgage forbearance program prompting some owners to sell. This could help to reduce the rising pace of home prices in the previous year and lessen the sting of rising rates.

5.) Want to make more money? Engage your employer

With 2021's Great Resignation leaving some companies scrambling for new talent, the new year may be a fertile time for you to finally get that promotion or raise. That is, assuming you've been adding value and plan to stay with your company. 

While higher pay may be top of mind, don't forget that there are other financial benefits your employer may be able to address. Financial wellness programs that provide credit counseling and help workers budget and save are increasingly becoming a valuable employer benefit that prospective workers are seeking out. In fact, close to 70 percent of workers say it's their employer's responsibility to help them become financially healthy and secure, according to a 2021 survey by the Employee Benefit Research Institute.  

If you have student loan debt or are considering going back to school, remember that a lesser-known provision in the CARES Act temporarily allows employers to provide up to $5,250 in tax-exempt student loan repayment contributions or tuition assistance each year, through the end of 2025. "With four full years remaining, it's the perfect time for employees to be proactive by asking if their employers are aware of their ability to offer this financial wellness benefit and whether they are willing to do so," says Patricia Roberts, financial aid expert and author of Route 529.   

In summary, 2022 poses some unique financial challenges and opportunities led by the likelihood of inflation and rising interest rates. They're worth considering, as we aim to manage our money well and achieve our short and long-term goals. If you've yet to knock down high-interest credit card debt, start there, then focus on bulking up your emergency fund. Rising mortgage rates may fuel more anxiety in the housing market, but prospective homeowners should have a long-term view and consider all their expenses. Finally, if you're hoping to make more money or get some financial assistance, don't forget: talking to your employer may be a great place to start. 

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