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With gas prices higher than they’ve been in three years, commuting is more expensive than ever. As gas prices rise, so do commuters’ frustrations—every visit to the gas station met by an exasperated eye roll at the gas prices and a reluctant surrender of your money.

Price per gallon continues to creep higher and higher, with the average price for regular-grade gasoline hitting $3.00 in the United States mid May. According to Spokesman, gas prices have climbed 41 cents in the last three months alone. Trilby Lundberg, gas industry expert, claims the rising numbers are due to an increase in crude oil prices and the implementation of “summer-grade gasoline,” which is meant to reduce smog and is, therefore, more expensive.

Unfortunately, gas prices are rising just in time for long-awaited summer vacations and activities. You’ve been looking forward to this season, and you don’t want to be forced to spend your entire vacation budget on gas money. Not to mention, you have other monetary responsibilities, whether it be monthly bills, saving for a house, or other home investments.

Thankfully, we have compiled a list of credit cards you can use for your gas-guzzling commute. If you’re going to spend significant money on gas, you might as well earn points and rewards to put towards your commute, car repairs, or other expenses. Gas credit cards allow you to earn money by spending money.

Before you continue, here is a credit card tip to consider: if you are able to, always pay your credit card balance in full at the end of every month. If this isn’t something you think you’ll be able to do, select a credit card that has a low annual percentage rate (APR). Paying off your balance every month before the due date ensures you don’t pay interest on your purchases. And if you plan on leaving a balance on your credit card, you are going to want a low APR.

Here is a breakdown of the top three credit cards you can use for your commute:

Discover it Chrome

Discover it® chrome

Apply Now
on Discover's secure website
Card Details
Intro Apr:
0% for 14 months on purchases

Ongoing Apr:
13.99% - 24.99% Variable on purchases & balance transfers

Balance Transfer:
Intro: 0% for 14 months

Annual Fee:
$0

Credit Needed:
Excellent-Good-Fair
Snapshot of Card Features
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.

Card Details +

Chase Freedom

Chase Freedom®

Apply Now
on Chase's secure website
Card Details
Intro Apr:
0% for 15 months on purchases

Ongoing Apr:
16.99% - 25.74% Variable

Balance Transfer:
Intro: 0% for 15 months

Annual Fee:
$0

Credit Needed:
Excellent-Good
Snapshot of Card Features
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.99-25.74%. Balance transfer fee is 3% of the amount transferred, $5 minimum
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter
  • Unlimited 1% cash back on all other purchases - it's automatic
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee

Card Details +

Blue Cash Preferred from American Express

Blue Cash Preferred® Card from American Express

Apply Now
on American Express's secure website
Card Details
Intro Apr:
0% for 12 months on purchases

Ongoing Apr:
14.99%-25.99% Variable

Balance Transfer:
14.99%-25.99% Variable

Annual Fee:
$95

Credit Needed:
Excellent-Good
Snapshot of Card Features
  • $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% cash back at U.S. gas stations. 1% cash back on other purchases.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • $95 annual fee.
  • Terms Apply.

Card Details +

Credit Score Breakdown:

  • Excellent Credit: 750+
  • Good Credit: 700-749
  • Fair Credit: 650-699
  • Poor Credit: 600-649
  • Bad Credit: below 600

Discover it chrome

The Discover it chrome is a great credit card if you spend a lot of money on gas. Cardholders will receive 2% cash back in up to $1,000 each quarter on gas and restaurant purchases, along with 1% cash back on all other purchases. This is pretty generous for a card that has no annual fee, but if you spend more than $1,000 on gas each quarter, then you may want to look into getting another credit card.

Another great thing the Discover it chrome card offers new cardholders is that at the end of the first year, Discover matches all cash back earned. This means if you earn $300 in cash back in the end of the first year, you’ll actually earn $600, making the savings on your commute even better.

Other features of the Discover it Chrome card include free social security number alerts, a free Credit Scorecard with your FICO credit score, and 100% U.S. based customer service. Cash back can be redeemed in any amount at any time. It comes with a 0% for 14 months on purchases on purchases and balance transfers followed by a 13.99% - 24.99% Variable on purchases & balance transfers.

Highlights:

  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.

Drawbacks:

  • 2% cash back is capped on spending $1,000 a quarter
  • Discover only matches your cash back in the first year

Chase Freedom

The Chase Freedom card is a credit card you can use for a lot more than just gas. It has rotating bonus categories each quarter throughout the year that focus on rewards in various categories, such as gas and everyday travel, restaurant and dining, grocery store purchases, etc. When the bonus category is active, you receive 5% cash back on up to $1,500. Although this may be a downside if you only want the gas rewards, it can be beneficial if you would enjoy different rewards throughout the year. However, note that you have to activate the bonus categories each quarter and forgetting to do so will forfeit your rewards.

Because there are rotating bonus categories, this type of card is better if you are more of a seasonal driver since you can’t have unlimited cash back on gas. If you constantly cap out your spending during the gas bonus quarter, you will earn 1% cash back in a year, which is the average among other gas reward credit cards.

Chase Freedom also offers a $150 sign-up bonus if you spend $500 within the first three months of opening your account. This is a decent amount and you don’t have to spend as much money to receive the bonus as other credit cards require. Chase Freedom has a 16.99% - 25.74% Variable; however, there is an 0% for 15 months on purchases period.

Highlights:

  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.99-25.74%. Balance transfer fee is 3% of the amount transferred, $5 minimum
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter
  • Unlimited 1% cash back on all other purchases - it's automatic
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee

Drawbacks:

  • You have to activate each bonus category or you don’t qualify for bonus rewards

Blue Cash Preferred from American Express

The Blue Cash Preferred card from American Express is a reasonable choice for a gas credit card, offering 3% cash back year round at U.S. gas stations. Having no limit enables you to have ample savings on your everyday travels without difficulty. Blue Cash Preferred also offers 6% cash back at U.S. supermarkets up to $6,000 every year..

Blue Cash Preferred does have an annual fee of $95, but there is a $200 statement credit as a welcome offer if you spend $1,000 within the first 3 months of opening your account. You also earn 1% cash back on all other purchases. The APR is even with other credit cards ranging from 14.99%-25.99% Variable.

If you are considering this credit card but don’t want to pay the annual fee, there is a Blue Cash Everyday Card from American Express. This card has no annual fee but lower rewards ($150 welcome offer, 3% cash back at U.S. supermarkets on up to $6,000 per year, 2% cash back at U.S. gas stations, and 1% on all other purchases).

Highlights:

  • $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% cash back at U.S. gas stations. 1% cash back on other purchases.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • $95 annual fee.
  • Terms Apply.

Drawbacks:

  • Annual fee of $95

These are just some credit cards that allow you to earn savings and rewards for your commute as well as a variety of other purchases. Because there are specialized credit cards for numerous purchase categories, using different credit cards allows you to take advantage of all the rewards they have to offer. For example, if you own a business and are trying to increase your business growth, consider looking into a business credit card. People often forget about the rewards they can accumulate by using a specific credit card for their various purchase types. Using credit cards for purchases such as gas, business, travel, and many others will allow you to earn significant rewards. Why not make money when you spend money?

If you want to make sure your credit can handle a new credit card, you can check your three credit reports for free once a year. To track your credit more regularly, Credit.com’s free Credit Report Card is an easy-to-understand breakdown of your credit report information that uses letter grades—plus you get two free credit scores updated each month.

At publishing time, the Costco Anywhere Visa Card by Citi, Discover it chrome, Chase Freedom, Citi Thankyou Premier, and the Blue Cash Preferred from American Express are offered through Credit.com product pages, and Credit.com is compensated if our users apply for and ultimately sign up for any of these cards. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved, or otherwise endorsed by the issuer(s).

Comments on articles and responses to those comments are not provided or commissioned by a bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by a bank advertiser. It is not a bank advertiser's responsibility to ensure all posts and/or questions are answered.

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