CardRewardsEditorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.
Ranked by effective value per dollar at Phillips 66 — including welcome offer math, redemption value, and annual fee.
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
Wyndham Rewards Earner Card earns the top spot for Phillips 66 purchases at 5.0¢ per dollar — no annual fee, factoring in welcome offers and ongoing rewards. We ranked every card in our database against Phillips 66 purchases using the same scoring engine that powers our search. The list below orders cards by net value to you, not by what pays the biggest affiliate commission. Cards 4–10 are still solid picks; they just trade off some of the headline value for fewer fees, broader networks, or simpler redemptions.
Barclays
Ranked by effective value per dollar at Phillips 66 — including welcome offer math, redemption value, and annual fee.
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
Wyndham Rewards Earner Card earns the top spot for Phillips 66 purchases at 5.0¢ per dollar — no annual fee, factoring in welcome offers and ongoing rewards. We ranked every card in our database against Phillips 66 purchases using the same scoring engine that powers our search. The list below orders cards by net value to you, not by what pays the biggest affiliate commission. Cards 4–10 are still solid picks; they just trade off some of the headline value for fewer fees, broader networks, or simpler redemptions.
Barclays
Ranked by effective value per dollar at Phillips 66 — including welcome offer math, redemption value, and annual fee.
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
Wyndham Rewards Earner Card earns the top spot for Phillips 66 purchases at 5.0¢ per dollar — no annual fee, factoring in welcome offers and ongoing rewards. We ranked every card in our database against Phillips 66 purchases using the same scoring engine that powers our search. The list below orders cards by net value to you, not by what pays the biggest affiliate commission. Cards 4–10 are still solid picks; they just trade off some of the headline value for fewer fees, broader networks, or simpler redemptions.
Barclays
Barclays
Usaa
Wyndham Rewards Earner Card earns 5.0¢ per dollar at Phillips 66, the highest in our database. Without an annual fee, the math is simple — every dollar you spend earns immediately. It's the right pick if you want maximum value on this category and don't mind a focused rewards structure.
All 10 cards ranked by effective value per dollar.
| Card | Gas Stations Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Wyndham Rewards Earner CardBarclays | 5x Wyndham Rewards | 5.0¢/$ | $0 | — | visa |
| Wyndham Rewards Earner Plus CardBarclays | 6x Wyndham Rewards | 6.0¢/$ | $75 | — | visa |
| USAA Cashback Rewards Plus American Express CardUsaa | 5% cash back | 5.0¢/$ | $0 | — | amex |
| H-D™ H.O.G.™ Elite Visa Signature®Usbank | 5x points | 5.0¢/$ | $99 | $104.50 | visa |
| PenFed Platinum Rewards Visa Signature® CardPenfed | 5x points | 5.0¢/$ | $0 | — | visa |
| Citi Strata Credit CardCiti | 3x ThankYou Points | 4.5¢/$ | $0 | — | mastercard |
| Wells Fargo Autograph Visa Credit CardWells Fargo | 3x Wells Fargo Rewards | 4.5¢/$ | $0 | — | visa |
| Citi Strata Premier CardCiti | 3x ThankYou Points | 4.5¢/$ | $95 | — | mastercard |
| Wells Fargo Autograph Journey Visa Credit CardWells Fargo | 3x Wells Fargo Rewards | 4.5¢/$ | $95 | — | visa |
| Verizon Visa CardSynchrony | 4% cash back | 4.0¢/$ | $0 | — | visa |
Other brands in Gas Stations where the top picks above also earn well.
Want to filter by spend amount, network, or fee preference?
Open in full search with filters →Barclays
Usaa
Wyndham Rewards Earner Card earns 5.0¢ per dollar at Phillips 66, the highest in our database. Without an annual fee, the math is simple — every dollar you spend earns immediately. It's the right pick if you want maximum value on this category and don't mind a focused rewards structure.
All 10 cards ranked by effective value per dollar.
| Card | Gas Stations Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Wyndham Rewards Earner CardBarclays | 5x Wyndham Rewards | 5.0¢/$ | $0 | — | visa |
| Wyndham Rewards Earner Plus CardBarclays | 6x Wyndham Rewards | 6.0¢/$ | $75 | — | visa |
| USAA Cashback Rewards Plus American Express CardUsaa | 5% cash back | 5.0¢/$ | $0 | — | amex |
| H-D™ H.O.G.™ Elite Visa Signature®Usbank | 5x points | 5.0¢/$ | $99 | $104.50 | visa |
| PenFed Platinum Rewards Visa Signature® CardPenfed | 5x points | 5.0¢/$ | $0 | — | visa |
| Citi Strata Credit CardCiti | 3x ThankYou Points | 4.5¢/$ | $0 | — | mastercard |
| Wells Fargo Autograph Visa Credit CardWells Fargo | 3x Wells Fargo Rewards | 4.5¢/$ | $0 | — | visa |
| Citi Strata Premier CardCiti | 3x ThankYou Points | 4.5¢/$ | $95 | — | mastercard |
| Wells Fargo Autograph Journey Visa Credit CardWells Fargo | 3x Wells Fargo Rewards | 4.5¢/$ | $95 | — | visa |
| Verizon Visa CardSynchrony | 4% cash back | 4.0¢/$ | $0 | — | visa |
Other brands in Gas Stations where the top picks above also earn well.
Want to filter by spend amount, network, or fee preference?
Open in full search with filters →Barclays
Usaa
Wyndham Rewards Earner Card earns 5.0¢ per dollar at Phillips 66, the highest in our database. Without an annual fee, the math is simple — every dollar you spend earns immediately. It's the right pick if you want maximum value on this category and don't mind a focused rewards structure.
All 10 cards ranked by effective value per dollar.
| Card | Gas Stations Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Wyndham Rewards Earner CardBarclays | 5x Wyndham Rewards | 5.0¢/$ | $0 | — | visa |
| Wyndham Rewards Earner Plus CardBarclays | 6x Wyndham Rewards | 6.0¢/$ | $75 | — | visa |
| USAA Cashback Rewards Plus American Express CardUsaa | 5% cash back | 5.0¢/$ | $0 | — | amex |
| H-D™ H.O.G.™ Elite Visa Signature®Usbank | 5x points | 5.0¢/$ | $99 | $104.50 | visa |
| PenFed Platinum Rewards Visa Signature® CardPenfed | 5x points | 5.0¢/$ | $0 | — | visa |
| Citi Strata Credit CardCiti | 3x ThankYou Points | 4.5¢/$ | $0 | — | mastercard |
| Wells Fargo Autograph Visa Credit CardWells Fargo | 3x Wells Fargo Rewards | 4.5¢/$ | $0 | — | visa |
| Citi Strata Premier CardCiti | 3x ThankYou Points | 4.5¢/$ | $95 | — | mastercard |
| Wells Fargo Autograph Journey Visa Credit CardWells Fargo | 3x Wells Fargo Rewards | 4.5¢/$ | $95 | — | visa |
| Verizon Visa CardSynchrony | 4% cash back | 4.0¢/$ | $0 | — | visa |
Other brands in Gas Stations where the top picks above also earn well.
Want to filter by spend amount, network, or fee preference?
Open in full search with filters →