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.
Cash back cards ranked by effective return rate on gas purchases.
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 $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts. The ¢ per dollar column is the reward rate at Gas Stations, after spend caps. Order can differ from that column because ranking adds the adjustments above.
Usaa
Side-by-side view of the ranked picks.
| Card | Gas Stations Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| USAA Cashback Rewards Plus American Express CardUsaa | 5% cash back | 5.0¢/$ | $0 | — | amex |
| bp rewards Visa®Fnbo | 4% cash back | 4.0¢/$ | $0 | — | visa |
| Blue Cash Preferred Card from American ExpressAmex | 3% cash back | 3.0¢/$ | $95 | $84 | amex |
| TD Cash Credit CardTd Bank | 3% cash back | 3.0¢/$ | $0 | — | visa |
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Amex
| Sam’s Club World Elite Mastercard® (Club members)Synchrony | 5% cash back | 5.0¢/$ | $0 | — | mastercard |
| Imagine Visa Credit CardImagine Financial | 3% cash back | 3.0¢/$ | $99 | — | visa |
| Bank of America Customized Cash Rewards Credit CardBank Of America | 3% cash back | 3.0¢/$ | $0 | — | visa |
| Kohl's Rewards® VisaCapital One | 3% cash back | 3.0¢/$ | $0 | — | visa |
| The AARP® Essential Rewards Mastercard®Barclays | 3% cash back | 3.0¢/$ | $0 | — | mastercard |
| Costco Anywhere Visa Card by CitiCiti | 4% cash back | 4.0¢/$ | $0 | — | visa |
