Gas Stations
Madeen ranks cards for gas stations by effective rate, using the catalog snapshot and the top card keys tied to this spend category. Compare the cards below, then check issuer terms for coding quirks, caps, and exclusions. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only.
LAST REVIEWED • snapshot 2026-06-25
What is the best credit card for gas stations?
One Key+ leads the snapshot for gas stations at 3%. Your best card still depends on fees, caps, and how the merchant codes. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only.
Which cards rank best for gas stations?
The table below ranks the strongest cards from the category top-card list, sorted by category-specific effective rate and then popularity. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only.
What coding caveats matter for gas stations?
Gas coding can differ between pumps, convenience stores, warehouse-club fuel stations, and charging-adjacent merchants. Confirm the merchant category before assuming the highest gasoline multiplier applies. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only.
What is the safest fallback card?
If the category-specific card is unclear, a simple flat-rate or broadly strong backup card can be safer than chasing a narrow bonus that may not code as expected. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only.
Related credit cards
Ranked by Madeen effective rate in each card's strongest category. Issuer terms control current offers.
| Card | Issuer | Top category | Effective rate | Annual fee |
|---|---|---|---|---|
| One Key+ | Wells Fargo | Gas Stations | 3% | $99 |
| One Key | Wells Fargo | Gas Stations | 3% | $0 |
| Seaside Bank and Trust Visa Business Cash Preferred | Seaside Bank and Trust | Gas Stations | 3% | $0 |
| Sandy Spring Bank Mastercard Business Cash Preferred | Sandy Spring Bank | Gas Stations | 3% | $0 |
| Premier Bank Visa Business Cash Preferred | Premier Bank | Gas Stations | 3% | $0 |
| Philadelphia Federal Credit Union Visa Business Cash Preferred | Philadelphia Federal Credit Union | Gas Stations | 3% | $0 |
| Peapack-Gladstone Bank Visa Business Cash Preferred | Peapack-Gladstone Bank | Gas Stations | 3% | $0 |
| AT&T Points Plus Card From Citi | Citi | Gas Stations | 2.4% | $0 |
| Royal ONE™ Plus Visa Signature | Bank of America | Gas Stations | 2.3% | $99 |
| Royal ONE™ Visa Signature | Bank of America | Gas Stations | 2.3% | $0 |
Frequently asked questions
Why does Gas Stations have its own page?
These pages capture the top merchant or store patterns inside the Madeen catalog so you can compare the strongest matching cards without scanning every card manually. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only.
What if the merchant codes differently?
Use the issuer's merchant category language, because a purchase that looks like gas stations to you may post under a different code and trigger a different card. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only.
Should I ignore annual fees when comparing gas stations cards?
No. A fee card only wins when the extra rewards or credits beat the fee over the way you actually spend. Madeen shows the tradeoff directly in the table. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only.
Issuer names, card product names, and related marks are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, or endorsed by any card issuer. Madeen is an independent credit-card comparison and education service.
Madeen analysis. Data from catalog snapshot 2026-06-25. Last reviewed 2026-06-25. Reviewed by Madeen editorial review. Issuer pages control rewards, fees, benefits, and eligibility.