Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
American Express cards ranked by earn rate on gas spending.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Ranked by earn rate and redemption value, statement credits minus annual fees (weighted against a typical $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts. The ¢ per dollar column is the reward rate at Gas Stations, after spend caps. Order can differ from that column because ranking adds the adjustments above.
Usaa
Side-by-side view of the ranked picks.
| Card | Gas Stations Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| USAA Cashback Rewards Plus American Express CardUsaa | 5% cash back | 5.0¢/$ | $0 | — | amex |
| Blue Cash Preferred Card from American ExpressAmex | 3% cash back | 3.0¢/$ | $95 | $84 | amex |
| Navy Federal More Rewards American Express®Navy Federal | 3x points | 3.0¢/$ | $0 | — | amex |
| Hilton Honors American Express Surpass CardAmex | 6x Hilton Honors | 2.4¢/$ | $150 |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →Amex
Navy Federal
| $100 |
| amex |
| The Platinum Card from American ExpressAmex | 1x Membership Rewards | 1.5¢/$ | $895 | $667.50 | amex |
| Blue Cash Everyday Card from American ExpressAmex | 3% cash back | 3.0¢/$ | $0 | $42 | amex |
| Rakuten American Express CardFirst Electronic Bank | 1% cash back | 1.6¢/$ | $0 | — | amex |
| Hilton Honors American Express CardAmex | 5x Hilton Honors | 2.0¢/$ | $0 | — | amex |
| Macys American Express CardCiti | 2x points | 2.0¢/$ | $0 | — | amex |
| TAP Miles&Go American Express®Cardless | 1x TAP Miles&Go | 1.0¢/$ | $79 | — | amex |
