Best Credit Cards for Gas Stations (March 2026)
Ranked by actual rewards rates at gas stations merchants. 15 cards tested.
Updated March 11, 2026·PointsPick Data Team
Data verified March 2026 · Methodology
Quick Answer
The best credit card for gas stations in 2026 is the Strata ($0/yr annual fee). We compared 15 cards across rewards rates, fees, and benefits to find the top picks.
Top 15 Cards Compared
#1
Top Pick
3x Hotels, air tra$0/yr feeNo FTF
Strata earns 3X on hotels, air travel, restaurants, supermarkets, gas, with no annual fee, no foreign transaction fee.
Rewards Rate
3xHotels, air travel, restaurants, supermarkets, gas
1xEverything Else
1.0xAll other purchases
Why we picked it: Strata earns 3X on hotels, air travel, restaurants, supermarkets, gas, with no annual fee, no foreign transaction fee.
Pros
- 3X on hotels, air travel, restaurants, supermarkets, gas
- No annual fee
- No foreign transaction fee
Cons
- No point transfer partners
- No signup bonus
#2
Runner Up
3x Gas stations$95/yrNo FTF60,000 points
Strata Premier earns 3X on gas stations, for just $95/yr, no foreign transaction fee, plus a 60,000 points signup bonus.
Rewards Rate
3xGas stations
10xHotels/Car Rentals Via Citi Travel
3xDining
3xSupermarkets
1.0xAll other purchases
Why we picked it: Strata Premier earns 3X on gas stations, for just $95/yr, no foreign transaction fee, plus a 60,000 points signup bonus.
Pros
- 3X on gas stations
- Low $95/yr annual fee
- No foreign transaction fee
Cons
- $95/yr annual fee
#3
3x Hotels, air tra$595/yrNo FTF
Strata Elite earns 3X on hotels, air travel, restaurants, supermarkets, gas, no foreign transaction fee.
Rewards Rate
3xHotels, air travel, restaurants, supermarkets, gas
1xEverything Else
1.0xAll other purchases
Why we picked it: Strata Elite earns 3X on hotels, air travel, restaurants, supermarkets, gas, no foreign transaction fee.
Pros
- 3X on hotels, air travel, restaurants, supermarkets, gas
- No foreign transaction fee
Cons
- High $595 annual fee
- No point transfer partners
#4
5x Gas stations & $95/yrNo FTF
Wyndham Rewards Earner Business earns 5X on gas stations & restaurants, for just $95/yr, no foreign transaction fee.
Rewards Rate
5xGas stations & restaurants
8xWyndham Hotel & Resorts
1xEverything Else
1.0xAll other purchases
Why we picked it: Wyndham Rewards Earner Business earns 5X on gas stations & restaurants, for just $95/yr, no foreign transaction fee.
Pros
- 5X on gas stations & restaurants
- Low $95/yr annual fee
- No foreign transaction fee
Cons
- $95/yr annual fee
- No point transfer partners
#5
3x Gas stations$0/yr feeNo FTF20,000 points
Autograph earns 3X on gas stations, with no annual fee, no foreign transaction fee, plus a 20,000 points signup bonus.
Rewards Rate
3xGas stations
3xRestaurants
3xTravel
3xTransit
1.0xAll other purchases
Why we picked it: Autograph earns 3X on gas stations, with no annual fee, no foreign transaction fee, plus a 20,000 points signup bonus.
Pros
- 3X on gas stations
- No annual fee
- No foreign transaction fee
Cons
- No point transfer partners
#6
4x Gas stations & $75/yrNo FTF
Wyndham Rewards Earner Plus earns 4X on gas stations & restaurants, for just $75/yr, no foreign transaction fee.
Rewards Rate
4xGas stations & restaurants
6xWyndham Hotel & Resorts
1xEverything Else
1.0xAll other purchases
Why we picked it: Wyndham Rewards Earner Plus earns 4X on gas stations & restaurants, for just $75/yr, no foreign transaction fee.
Pros
- 4X on gas stations & restaurants
- Low $75/yr annual fee
- No foreign transaction fee
Cons
- No point transfer partners
- No signup bonus
#7
2x Gas stations$0/yr feeNo FTF
Ink Business Cash earns 2X on gas stations, with no annual fee, no foreign transaction fee.
Rewards Rate
2xGas stations
5xInternet, Cable, Phone Services
5xOffice Supply Stores
2xRestaurants
1.0xAll other purchases
Why we picked it: Ink Business Cash earns 2X on gas stations, with no annual fee, no foreign transaction fee.
Pros
- 2X on gas stations
- No annual fee
- No foreign transaction fee
Cons
- No point transfer partners
- No signup bonus
#8
2x US gas stations$95/yrNo FTF
Everyday Preferred earns 2X on us gas stations, for just $95/yr, no foreign transaction fee.
Rewards Rate
2xUS gas stations
3xUs Supermarkets
1xEverything Else
1x50% Bonus
1.0xAll other purchases
Why we picked it: Everyday Preferred earns 2X on us gas stations, for just $95/yr, no foreign transaction fee.
Pros
- 2X on us gas stations
- Low $95/yr annual fee
- No foreign transaction fee
Cons
- $95/yr annual fee
- No point transfer partners
#9
2x Gas stations$99/yrNo FTF
AAdvantage Business World Elite earns 2X on gas stations, no foreign transaction fee.
Rewards Rate
2xGas stations
2xAmerican Airlines Purchases
2xTelecommunications
2xCar Rentals
1.0xAll other purchases
Why we picked it: AAdvantage Business World Elite earns 2X on gas stations, no foreign transaction fee.
Pros
- 2X on gas stations
- No foreign transaction fee
Cons
- $99/yr annual fee
- No point transfer partners
#10
2x Gas stations$99/yrNo FTF
AAdvantage Platinum Select World Elite earns 2X on gas stations, no foreign transaction fee.
Rewards Rate
2xGas stations
2xAmerican Airlines Purchases
2xDining
1xEverything Else
1.0xAll other purchases
Why we picked it: AAdvantage Platinum Select World Elite earns 2X on gas stations, no foreign transaction fee.
Pros
- 2X on gas stations
- No foreign transaction fee
Cons
- $99/yr annual fee
- No point transfer partners
#11
3x Choice category$0/yr feeNo FTF
Business Advantage Customized Cash earns 3X on choice category, with no annual fee, no foreign transaction fee.
Rewards Rate
3xChoice category
2xDining
1xEverything Else
1.0xAll other purchases
Why we picked it: Business Advantage Customized Cash earns 3X on choice category, with no annual fee, no foreign transaction fee.
Pros
- 3X on choice category
- No annual fee
- No foreign transaction fee
Cons
- No point transfer partners
- No signup bonus
#12
3x Dining, gas, dr$0/yr feeNo FTF
AARP Travel Rewards earns 3X on dining, gas, drugstores, with no annual fee, no foreign transaction fee.
Rewards Rate
3xDining, gas, drugstores
1xEverything Else
1.0xAll other purchases
Why we picked it: AARP Travel Rewards earns 3X on dining, gas, drugstores, with no annual fee, no foreign transaction fee.
Pros
- 3X on dining, gas, drugstores
- No annual fee
- No foreign transaction fee
Cons
- No point transfer partners
- No signup bonus
#13
3x Choice category$0/yr feeNo FTF
Customized Cash Rewards earns 3X on choice category, with no annual fee, no foreign transaction fee.
Rewards Rate
3xChoice category
2xGrocery Stores & Wholesale Clubs
1xEverything Else
1.0xAll other purchases
Why we picked it: Customized Cash Rewards earns 3X on choice category, with no annual fee, no foreign transaction fee.
Pros
- 3X on choice category
- No annual fee
- No foreign transaction fee
Cons
- No point transfer partners
- No signup bonus
#14
3x Dining & gas$0/yr feeNo FTF
Platinum Rewards earns 3X on dining & gas, with no annual fee, no foreign transaction fee.
Rewards Rate
3xDining & gas
5xHotels, Flights, Car Rentals
1xEverything Else
1.0xAll other purchases
Why we picked it: Platinum Rewards earns 3X on dining & gas, with no annual fee, no foreign transaction fee.
Pros
- 3X on dining & gas
- No annual fee
- No foreign transaction fee
Cons
- No point transfer partners
- No signup bonus
#15
3x Gas stations & $0/yr feeNo FTF
AARP Essential Rewards earns 3X on gas stations & drugstores, with no annual fee, no foreign transaction fee.
Rewards Rate
3xGas stations & drugstores
1xEverything Else
1.0xAll other purchases
Why we picked it: AARP Essential Rewards earns 3X on gas stations & drugstores, with no annual fee, no foreign transaction fee.
Pros
- 3X on gas stations & drugstores
- No annual fee
- No foreign transaction fee
Cons
- No point transfer partners
- No signup bonus
RelatedStrata vs Strata Premier·Strata Review·Strata Premier Review·Strata Elite Review·Wyndham Rewards Earner Business Review·Autograph Review
Top 5 Picks in Detail
#1. Strata
The Strata from Citi earns 3x on hotels, air travel, restaurants, supermarkets, gas with no annual fee.
#2. Strata Premier
The Strata Premier from Citi earns 3x on gas stations with a $95/yr fee that nets ~$85/yr on $500/mo gas stations spend, plus a 60,000 points welcome bonus worth ~$600.
#3. Strata Elite
The Strata Elite from Citi earns 3x on hotels, air travel, restaurants, supermarkets, gas for a $595/yr annual fee.
#4. Wyndham Rewards Earner Business
The Wyndham Rewards Earner Business from Barclays earns 5x on gas stations & restaurants with a $95/yr fee that nets ~$205/yr on $500/mo gas stations spend.
#5. Autograph
The Autograph from Wells Fargo earns 3x on gas stations with no annual fee, plus 20,000 points welcome bonus.
Our Methodology
Our gas stations rankings are based on 15 data points across reward rates, annual fees, signup bonuses, and cardholder benefits. We pull data from 35+ independent verified sources including official card terms, issuer disclosures, and industry databases. Rankings are computed algorithmically with no affiliate influence on card placement or scoring. Cards are re-evaluated monthly as terms change. For the full breakdown of our scoring model, see our methodology page.
Frequently Asked Questions
What is the best credit card for gas stations in 2026?
The Strata is our top-ranked card for gas stations in 2026, earning 3X rewards with a $0/yr annual fee. We compared 15 qualifying cards based on category-specific bonus rates, annual fees, and cardholder benefits.
How did you rank these gas stations credit cards?
We ranked 15 cards by their actual category-specific bonus rate using data from 35+ verified sources. Cards earning higher rewards in gas stations rank higher. We also factor in annual fees, signup bonuses, and cardholder benefits.
Is there a no-annual-fee card for gas stations?
Yes — the Strata is the top no-annual-fee option for gas stations in our rankings.
How often are these rankings updated?
Rankings update automatically when card terms change. Data last verified: March 11, 2026.
PointsPick may earn a commission when you apply through our links. Full disclosure
This ranking draws on data from 35+ independent sources.
Rankings are data-driven with no affiliate influence on placement.
Last verified on March 11, 2026.
Full methodology: www.pointspick.com/methodology.