Best Cards for Gas Stations

Our assessment of cards ranked by effective return percentage. We calculate points × redemption value to show you the estimated earning potential.

Rankings and valuations reflect PayWithThis’s own editorial methodology. PayWithThis is independent and not affiliated with any issuer. Verify current terms with the issuer before applying.

1
Chase Freedom Flex®
No Annual Fee•Chase Ultimate Rewards•$1,500 cap

This quarter (Q3 2026) · Activation required · $1,500 cap shared across all Q3 categories

Rotating (Quarterly)
10.00%
effective return
DetailsLearn More
2
Wyndham Rewards Earner® Business Card
$95/year•Wyndham Rewards Points
8.80%
effective return
DetailsLearn More
3
American Express® Business Gold Card
$375/year•Membership Rewards•$150,000 cap

4x on the 2 categories where your business spends the most in each billing cycle

8.00%
effective return
DetailsLearn More
4
Wyndham Rewards Earner® Plus Card
$75/year•Wyndham Rewards Points
6.60%
effective return
DetailsLearn More
5
Citi Strata Premier℠ Card
$95/year•ThankYou Points
5.70%
effective return
DetailsLearn More
6
Citi Strata℠ Card
No Annual Fee•ThankYou Points
5.70%
effective return
DetailsLearn More
7
Citi Custom Cash® Card
No Annual Fee•Cash Back•$500 cap

5% on top eligible spend category each billing cycle

5.00%
effective return
DetailsLearn More
8
Discover it® Cash Back
No Annual Fee•Cash Back•$1,500 cap

This quarter (Q3 2026) · Activation required · $1,500 cap shared across all Q3 categories

Rotating (Quarterly)
5.00%
effective return
DetailsLearn More
9
Cashback Rewards Plus American Express® Card
No Annual Fee•Cash Back•$3,000 cap
5.00%
effective return
DetailsLearn More
10
PenFed Platinum Rewards Visa Signature® Card
No Annual Fee•PenFed Points
4.25%
effective return
DetailsLearn More

Our Methodology

We rank cards by effective return percentage, calculated as:

Effective Return = Category Multiplier × Base Point Valuation

This normalizes points, miles, and cash back into a single comparable metric.