Compare gas cardsBy Steve Holt and Connie Prater
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EDITOR'S NOTE: This article, while accurate when published in 2008, has become outdated. See the |
Gas credit card |
Where accepted |
Annual fee |
APR** |
Rewards |
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11,000 BP and Amoco stations nationwide; 390,000 PLUS ATMs worldwide |
None |
20.99 percent |
2 percent cash back on all Amoco Ultimate fuel purchases |
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11,000 BP and Amoco stations nationwide; 390,000 PLUS ATMs worldwide |
$29.95 |
20.99 percent |
Discounts at restaurants, hotel chains and other merchants; 2 percent rebate on Amoco Ultimate fuel purchases |
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Anywhere Visa is accepted |
None |
Zero percent for six months; 13.99 percent (elite) to 20.99 percent (standard) afterward |
10 percent rebate at all BP locations, 4 percent rebate on eligible travel and dining purchases and 2 percent rebate on virtually all other purchases for up to the first 60 days; afterward, 5 percent rebates at all BP locations, 2 percent on eligible travel and dining purchases and 1 percent rebates on virtually all other purchases |
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Anywhere MasterCard is accepted |
None |
Zero percent for six months; 10.99 percent to 14.99 percent (elite) or 19.99 percent (standard) afterward |
6 percent rebate on all eligible gas purchases at any station for the first 90 days; afterward, 3 percent rebate on all eligible gas purchases and 1 percent rebate on all other purchases |
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Chevron and Texaco stations in 25 states plus any ATM with Cirrus logo |
None (Basic, Business); $25 (Premium) |
21.49 percent |
Rebated 10 cents per gallon for first 60 days on new accounts up to 200 miles per billing cycle |
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Anywhere Visa is accepted |
None |
13.49 percent to 20.49 percent |
10 cents per gallon in fuel credits on fuel purchases made at Chevron and Texaco; 3 percent in fuel credits on nonfuel purchases at Chevron and Texaco; 1 percent in fuel credits on all other nonfuel purchases |
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Anywhere MasterCard is accepted |
None |
12.99 percent (platinum) to 16.99 percent (standard) |
0 percent APR on balance transfers for 6 months |
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7,000 Citgo stations nationwide |
None |
19.99 percent |
$5 credit for each of the first five purchases of at least $15 made during the first 60 days |
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Citi Driver's Edge Options Platinum MasterCard for College Students |
Anywhere MasterCard is accepted |
None |
Zero percent for six months; 14.99 percent afterward |
3 percent rebate on gas station, supermarket and drug store purchases; 1 percent rebate on all other purchases; one penny a mile for personal miles driven |
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Citi Driver's Edge Options Platinum Visa for College Students |
Anywhere Visa is accepted |
None |
Zero percent for six months; 14.99 percent afterward |
3 percent rebate on gas station, supermarket and drug store purchases; 1 percent rebate on all other purchases; 1 cent a mile for personal miles driven |
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Anywhere MasterCard is accepted |
None |
Zero percent for up to 12 months; 9.99 percent to 17.99 percent afterward |
6 percent rebates on purchases at supermarkets, drugstores and gas stations for 12 months; afterward, 3 percent rebate on these purchases, 1 percent rebate on other purchases plus 1 cent for every mile driven; 1 percent rebate on all other purchases to use toward a new, used or leased vehicle of your choice |
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Anywhere Discover cards are accepted |
None |
Zero percent for six months; 10.99 percent to 18.99 percent afterward |
5 percent cash back automatically on the first $100 in combined gas and auto maintenance purchases each month; up to 1 percent cash back on all other purchases after total purchases exceed $3,000 |
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11,000 Exxon and Mobil stations nationwide |
None |
21 percent |
No rewards |
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11,000 Exxon and Mobil stations nationwide |
$29 |
21 percent |
10 percent cash back on hotel, motel stays and cruises; 5 percent cash back on airline travel and car rentals; dining and entertainment discounts |
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Anywhere MasterCard is accepted |
None |
Zero percent for six months; 12.99 percent (platinum) to 16.99 percent (standard) afterward |
15 cents-per-gallon rebate on gas purchases; each year, earn up to 2 percent rebate on the first $10,000 spent on eligible purchases and 1 percent on eligible purchases over $10,000 |
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Anywhere MasterCard is accepted |
None |
12.99 percent to 18.99 percent |
For first 60 days, 6 percent rebates at Gulf stations, 2 percent in rebates on utility and grocery purchases, 1 percent everywhere else; afterward, 3 percent rebate at Gulf stations, 1 percent everywhere else |
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Anywhere Visa is accepted |
None |
Zero percent for six months; 14.99 percent to 16.99 percent (elite & premium) or 19.99 percent (standard) afterward |
10 percent rebate on all Hess gas purchases for first 90 days; 5 percent afterward; 1 percent back on other retail store, online and restaurant purchases |
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Anywhere MasterCard is accepted |
None |
Zero percent for six months; 14.99 percent to 16.99 percent (elite, premium) or 19.99 percent (standard) afterward |
10 percent rebate on Marathon purchases and 2 percent on all other purchases for first 60 days; 5 percent rebate on all Marathon purchases and 1 percent rebate on all other eligible purchases thereafter |
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8,600 stations nationwide |
None (personal); $29 (premium) |
19.99 percent |
No rewards |
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Anywhere MasterCard is accepted |
None |
12.99 percent (Platinum) to 16.99 percent (Classic) |
4 percent rebate on Phillips and Conoco station purchases up to $50 per month; up to 1 percent rebate on all other qualified purchases |
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14,000 Shell stations and over 250,000 ATMs nationwide |
None |
19.99 percent |
No rewards |
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14,000 Shell stations and over 250,000 ATMs nationwide |
$25 |
19.99 percent |
10 percent cash back on hotels and motels; 5 percent cash back on airlines and car rentals; half-price discounts at more than 5,000 hotels |
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2,600 Sinclair stations |
None |
10 percent to 21 percent |
No rewards |
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Anywhere MasterCard is accepted |
None |
15.49 percent to 20.49 percent |
7 percent rebate on Sinclair purchases and 2 percent elsewhere for the first 60 days; afterward, 5 percent rebate at Sinclair and 1 percent elsewhere |
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Anywhere MasterCard is accepted |
None |
14.99 percent to 16.99 percent (elite and premium) or 19.99 percent (standard) |
40 Speedy points for every $1 spent at Speedway and SuperAmerica locations; 10 points for every $1 spent everywhere else; 10,000 points on first use |
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4,600 Sunoco stations nationwide |
None |
19.99 percent |
No rewards |
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Anywhere MasterCard is accepted |
None |
12.99 percent (platinum) to 16.99 percent (standard) |
4 percent rebate on all Sunoco purchases; up to 1 percent rebate on all other (nonSunoco) purchases |
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5,800 stations in the U.S., Canada, Latin America and the Caribbean |
None |
16.99 percent |
10 cents-per-gallon rebate for first three billing cycles on new accounts through Sept. 30, 2008 | |
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Anywhere Visa is accepted |
None |
Zero percent for six months; 14.99 percent (elite & premium) to 20.99 percent (standard) |
10 percent rebate on net purchases at Wawa stations and 2 percent rebate everywhere else for the first 60 days; afterward, 3 percent rebate on Wawa purchases and 1 percent rebate on purchases elsewhere |
Source: CreditCards.com research and interviews
*All terms and conditions are subject to change by issuer. Data in the chart are current as of Aug. 19, 2008. If there are updates, please write to Editors@Creditcards.com.
**Annual percentage rates (APR) are typically variable and subject to change by credit card issuer. Many are based on a formula that includes the prime rate plus a fixed rate set by the issuer.
To comment on this article, write to: Editors@CreditCards.com
See related: Coping with the gas pump, Drive for rewards pushes gas cards in the ditch, Renting a car with cash or credit card? Expect to try harder, 12 tips for renting a car without a credit card, Blog: 3 tips on buying gas, Calculator: Cash back versus low-rate gas card