Verdict: Solid Rewards Rate On Gas With $0 Annual Fee
If a no-annual-fee card with various spending categories is your preference, the Blue Cash Everyday® Card from American Express is a great product to choose. Its very similar to the Blue Cash Preferred® Card from American Express, though without the annual fee . It offers a lower rate of 3% cash back at U.S. supermarkets . 2% cash back at U.S. gas stations and at select U.S. department stores. 1% cash back on other purchases. Terms apply. Redeem your cash back for statement credits to cover your purchases.
Maximize rewards: If youre debating on either American Express Blue Cash cards, determine which offers a greater rewards potential by simply calculating your monthly expenses against the cashback earnings.
For rates and fees of Blue Cash Everyday® Card from American Express, please click here.
Frequently Asked Questions About Exxonmobil Smart Card Offers
How do I earn the 6¢ with my ExxonMobil Smart Card?
Just swipe your card as you would normally, and youll earn 6¢ on every gallon of Exxon or Mobil fuel purchased right at the pump instead of earning a statement credit. So theres no waiting for credit youll get instant savings.
How do I earn the 30¢ promotional offer?
Apply for the ExxonMobil Smart Card anytime from Feb. 1, 2021 through Jan. 31, 2022 and if approved, youll earn 30¢ on fuel purchases for two months from your account open date. During this special limited-time promotion, youll earn 6¢/gal right at the pump and 24¢/gal as a statement credit on qualifying purchases. You can apply for the ExxonMobil Smart Card online at www.exxonmobilsmartcard.com or you can download the Exxon Mobil Rewards+ app and apply through the app.
Do I have to download the Exxon Mobil Rewards+ app to earn the $6 statement credit?
Yes. To earn the extra $6, you must download the Exxon Mobil Rewards+ app, sign up your new ExxonMobil Smart Card within the app and make three or more mobile transactions within two months from your account open date. You will earn the $6 as a statement credit.
What happens if I swipe my card and I dont see the 6¢ instantly at the pump?
A message to our loyal customers: Our response to COVID-19
How Can You Determine Whether An Online Retailer Accepts Discover
Discover is accepted by 99% of places that credit cards nationwide, so your online retailer may already accept Discover. But to be sure, you can see if they list Discover among payment options at checkout or in their terms. Even if you dont see Discover acceptance listed, keep in mind that other online payment services, like when you pay using PayPal, allow you to use Discover to fund your purchases as well.
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Footnotes*american Express Now Requires Registration Of All Shipping Addresses That Are Different From Their Customers’ Billing Addresses Sam’s Club Members Must Call American Express Directly To Provide This Information
*EBT / SNAP can only be used for in-club purchases. Pickup orders are online purchases and cannot be paid for using EBT / SNAP.
Gas Station Payment Options:
You must be a Member to purchase fuel at Sam’s Club unless local laws restrict such limitations.
You cannot use a Sam’s Club Private Label Credit Card at Walmart gas stations.
Sam’s Club MasterCard may be used if the fuel center accepts these types of credit cardscheck sign on pump or with station attendant for accepted cards.
Walmart and Sam’s Club gift cards can be used at Walmart or Sam’s Club Fuel Centers.
Sam’s Club gas stations do accept Walmart Credit Cards.
Using A Debit Card At Gas Stations
Using a debit card to pay for gas might immediately seem like the better option: You are avoiding interest fees associated with credit cards, and you are not able to overspend by using a debit card. However, accessing money instantaneously has drawbacks. The bigger issue with debit cards is your balance. If thieves acquire your debit card information and use it to steal, then your money is gone until you go through the process of getting it restored.
Whats more, although you may assume that youll be getting the cheaper cash price by not using a credit card, many gas stations actually treat a debit transaction as a credit card purchase and charge the premium.
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Who Has The Best Gas Card
Though there are several great gas credit card deals available, we think the PNC Cash Rewards® Visa® Credit Card is one of the best fuel cards out there. It offers high rewards rates for gas spending, doesnt restrict you to purchasing fuel from a single gas station brand and includes rewards in other spending categories plus, it comes with some other useful perks, too.
Discover It Chrome: Best For No Annual Fee
Why we picked it: Ideal for the cardholder with good or excellent credit, this card offers a decent rewards rate. Also, the lack of annual fee means you wont have to worry about it potentially cutting into your cash back earnings.
Pros: The Discover it chrome gives you all the benefits of the Discover it Secured Credit Card 2% cash back at gas stations and restaurants but without the need for a security deposit on your line of credit. This card also gives you the opportunity for a lower ongoing interest rate .
Cons: Like many Discover cards, this card offers a Cashback Match at the end of the first year instead of a traditional sign-up bonus. Consider another card if you want gas rewards and a sign-up bonus.
Who should apply? If you spend a lot of time on the road or dining out, this card offers several ways to capitalize without having to pay an annual fee.
Who should skip? Credit builders who dont yet have the credit score for the Discover it chrome are better off getting started with the Discover it Secured Credit Card and growing their score over time.
Read our Discover it® chrome review.
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Penfed Platinum Rewards Visa Signature Card
The PenFed Platinum Rewards Visa Signature Card offers a lucrative reward for users: five points for every $1 spent on gas. The only drawback is that you dont get a sign-up bonus with the card. Theres another benefit, however: the cards $0 annual fee. Of course, to get the card, you must first join PenFed .
Phillips 66 Conoco 76 Gas Card Login
Total Number of links listed: 9
Are you looking for Phillips 66 Conoco 76 Gas Card Login? Now get all the access to your account in one-click using the official links provided below:
First time user? Get UserID/Password Forgot your ID/Password Trouble Signing in Having issues logging in and registered on the older site? click here
Phillips 66 Credit Card Payment and Login. … For those who spend enough on Phillips 66, Conoco and 76 fuels, the credit cards offered by Phillips 66 can help you save money. … Phillips 66 also offer a Universal Credit Card which allows you to use the card at 90% of all US gas and fuel locations, and a Commercial Credit Card which makes …
Meet the new Phillips 66 ® – Conoco ® – 76 ® Commercial Credit Card. Designed to help steer your business in the right direction, the new Phillips 66 – Conoco – 76 ® Commercial Credit Card is packed with business-friendly benefits. Enjoy pay-at-the-pump convenience at thousands of stations nationwide, detailed monthly statements and online account management.
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A Note On Using Prepaid Debit Cards And Gift Cards At Gas Stations
While the gas stations listed above accept credit cards from American Express, Discover, Mastercard, and/or Visa, prepaid debit cards and gift cards from these brands may or may not work at the pump. The gas station representatives we spoke with were unable to guarantee that prepaid cards or gift cards would work at the pump.
Policies vary greatly depending on the brand and type of card you have, the issuer, and the pump itself, representatives said. Some pumps will allow you to use the card, and will automatically stop the pump when the transaction amount matches the card balance others will deny the transaction. Gas stations can require preauthorization charges up to $125 at the pump so the payment processor may deny a prepaid card or gift card even if the balance is high enough to cover the amount of gas you are buying.
The gas stations listed above that accept American Express, Discover, Mastercard, and/or Visa do accept prepaid cards and gift cards from the same brands for in-store purchases, however. You can avoid issues paying at the pump by using your prepaid debit card or gift card to pay for a set amount of gas inside the store. Paying at the cashier allows you to avoid high preauthorization charges.
See our related article for more information about preauthorization holds and a list of the hold amounts at popular gas stations.
Sams Club Mastercard: Best For Supersized Gas Rewards
Why we picked it: This card offers a whopping 5% cash back on gas purchases anywhere, meaning youre not limited to only filling up at Sams Club fuel stations. Cardholders also earn 3% cash back on dining and 1% cash back on other purchases, with a maximum of $5,000 cash back per year.
Pros: Youll also receive a small account opening offer: a $30 statement credit if you spend $30 in Sams Club purchases within 30 days of account opening. Theres no annual fee, though a $45 Sams Club membership is required. Plus, as a nice surprise, there are no foreign transaction fees, a benefit highly uncommon among store-branded credit cards.
Cons: You can only put rewards toward Sams Club expenses or statement credits, unless you redeem for cash back at the wholesale retailer. Moreover, you only receive rewards once a year in February, and those rewards expire if you dont redeem them by Dec. 31 of that same year. Youll also lose rewards if your Sams Club membership lapses before February.
Who should apply? Sams Club shoppers can take advantage of a best-in-class return on gas purchases without restrictions on where they fill up.
Who should skip? Although you dont have to fill up at a Sams Club to get rewarded, youll want to be in the vicinity of one if youre a carrier of this card. Rewards can only be used for Sams Club expenses or statement credits unless you redeem for cash at a physical Sams Club location.
Read our Sams Club Mastercard review.
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How We Picked The Best Credit Cards For Gas
Research methodology: Our team of experts have sifted through hundreds of gas rewards cards to help you maximize your potential earnings on everyday purchases. A number of factors went into our search, but the following were the most important in choosing the top gas rewards credit cards:
- Rewards rate: Some gas cards have earnings as high as 4% and 5% in select categories, competing with top rates on the market. With worthwhile rewards available, we made sure to include the most valuable options.
- Annual fee: Many gas cards are affordable, coming with no annual fee. We selected options that werent costly up front, and if a card here does have an annual fee, we believe it is worthwhile.
- Supplemental rewards categories: Gas cards oftentimes provide rewards in other areas, adding versatility to where you can get big savings. We included the top options that let cardholders earn at a high rate in all different kinds of places.
- Availability: Gas credit cards are designed for all different ranges of credit scores, so we included choices for a variety of consumers.
Our full criteria include: Integration with loyalty programs, redemption options, redemption flexibility, sign-up bonus, other benefits, customer service, rates and fees, ease of application.
More On The Best Credit Cards For Gas In 2022
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|Best for road trips||$200||
Americans typically spend a lot of time in their cars so much time that gasoline purchases usually make up 3.3% of annual household expenses. That may not sound like much, but it means that the typical family spends about $2,094 each year on gas, according to consumer expenditure data from the Bureau of Labor Statistics.
Travelers are on the road after more than a year year after being cooped up during the pandemic. Patrick De Haan, , notes that demand for gas is rising. To that end, you need to make sure youre carrying the best credit card to give you the most points and miles on your purchases.
Using the metrics for our best cash-back credit cards and best travel credit cards to use at the pump, TPG found nine consumer credit cards that offer solid returns of 3% or more in rewards on gas spending. Here is a list of our top picks:
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Best For Road Trips: Hilton Honors American Express Surpass Card
Heres why: The Hilton Honors American Express Surpass® Card is the perfect credit card for road trips.
When you fill up, youll earn six points for every $1 you spend at U.S. gas stations. When you get tired and need to pull off the road, find a Hilton hotel youll earn 12 points per $1 spent on purchases there. You can use those points to pay for future hotel stays.
Youll also earn 130,000 bonus points after spending $2,000 on purchases during the first 3 months after opening the card. And you can earn another 50,000 bonus points when you spend a total of $5,000 in the first 6 months.
The Hilton Honors American Express Surpass® Card comes with a $95 annual fee.
Check out our roundup of Hilton credit cards to learn more about the Hilton Honors American Express Surpass® Card.
Save Up To 25* Per Gallon When You Purchase Fuel Via The My 76 App
The My 76® App is safe and secure. And for a limited time, you can get up to 10¢* off per gallon when you purchase fuel via the My 76® App. Then save another 15¢* per gallon when you use direct pay or the 76® Credit Card in the My 76® App. Download today, setup your mobile wallet and spend less to get where you’re going. Offer ends 3/31/2022.
*25¢ is a combined savings of 10¢ off per gallon at the pump at participating 76® locations AND 15¢ off per gallon when you pay for fuel using select payment methods within the My 76® App. Offer valid through 3/31/22.
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Bank Of America Cash Customized Rewards Credit Card
Gas rewards: Earn 3% cash back in one of six categories of your choice, including gas purchases, for the first $2,500 spent each quarter. Note that the $2,500 quarterly cap applies to both your 3% choice category and the 2% back on grocery store/wholesale club purchases .
Other rewards and perks: Earn 2% at grocery stores and wholesale clubs and 1% on everything else. Get a 10% customer bonus every time you redeem your cash back into a Bank of America checking or savings account. If youre a Preferred Rewards member, you can increase that bonus to 25%-75%.
Sign-up bonus: Earn a $200 online cash-rewards bonus after you spend $1,000 in the first 90 days of account opening.
Annual fee: $0
Estimated annual cash back/points from gas spending: $62.82
Keep in mind: You can earn tiered relationship bonuses in Bank of Americas Preferred Rewards program based on the amount of money you have on deposit in your qualifying Bank of America and/or Merrill investment accounts. Youre eligible for a percentage-based bonus of base rewards points you earn once you have at least $20,000 in assets at the bank. Heres how the tiers work:
- Gold status earns a 25% rewards bonus and requires combined balances ranging from $20,000 to $50,000.
- Platinum status earns a 50% rewards bonus and requires combined balances ranging from $50,000 to $100,000.
- Platinum Honors status earns a 75% rewards bonus and requires a combined balance of more than $100,000.
Tips For Paying At The Gas Pump
Should you use a debit card to pay for gas? Wondering how to use a credit card at the gas pump safely? Once you insert your card into the pump and choose credit or debit, youre ready to get started, using these tips to avoid card skimming devices, protect your checking account, your other bank accounts, and your identity. Heres how to practice better card safety at the gas station.
When you are smart about how you pay, it can be safe and easy to use a card to pay for gas. Once you pull up to the pump , its time to insert your credit or debit card into the machine. Most machines will ask you to remove your card again right away, but newer machines require leaving your card in longer, so pay attention to the directions.
Next, youll be asked whether you want to pay with cash or pay with a credit or debit card, at which point, you select which type of card you want to use.
The instructions will ask you to enter some of your card information , as well as your zip code. If you have a rewards card, youll be prompted to enter that information, as well.
Once your transaction is approved, youll be prompted to select your grade of gasoline and youre ready to fill your gas tank. Thats it, right? Too easy.
However, you may be wondering if thats all that really happens when you buy gas.
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