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.
Top picks for Phillips 66 from our scoring engine.
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, co-brand fit for this brand. The ¢ per dollar column is the reward rate at Phillips 66. Order can differ from that column because ranking adds the adjustments above.
Chase Sapphire Preferred Card earns the top spot for Phillips 66 purchases at 5.4¢ per dollar on gas stations — a $95 annual fee. We ranked every card in our database against Phillips 66 purchases using the same scoring engine that powers our search. See the note above the list for what drives order versus the ¢ per dollar column. Cards 4–10 are still solid picks; they just trade off some headline earn rate for fewer fees, broader networks, or simpler redemptions.
Chase
Usaa
Citi
Chase Sapphire Preferred Card earns 5.4¢ per dollar on gas stations when you shop at Phillips 66, the highest marginal rate in our list for this brand. At 5.4¢ per dollar, rewards cover the $95 fee after about $1,760 a year in Phillips 66 spending. To come out ahead of USAA Cashback Rewards Plus American Express Card (5.0¢), you'd need about $23,750 a year here. It's the right pick if you want maximum earn rate on this category and don't mind paying for a premium card.
Side-by-side view of the ranked picks.
| Card | Gas Stations Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Chase Sapphire Preferred CardChase | 3x Ultimate Rewards | 5.4¢/$ | $95 | $84 | visa |
| USAA Cashback Rewards Plus American Express CardUsaa | 5% cash back | 5.0¢/$ | $0 | — | amex |
| Citi Strata Premier CardCiti | 3x ThankYou Points | 4.8¢/$ | $95 | — | mastercard |
| H-D™ H.O.G.™ Elite Visa Signature®Usbank | 5x points | 5.0¢/$ | $99 | $104.50 | visa |
| PenFed Platinum Rewards Visa Signature® CardPenfed | 5x points | 5.0¢/$ | $0 | — | visa |
| Bilt Palladium CardCardless | 2x Bilt Rewards | 4.4¢/$ | $495 | $100 | mastercard |
| Wyndham Rewards Earner Plus CardBarclays | 6x Wyndham Rewards | 4.2¢/$ | $95 | — | visa |
| Citi Strata Credit CardCiti | 3x ThankYou Points | 4.8¢/$ | $0 | — | mastercard |
| Verizon Visa CardSynchrony | 4% cash back | 4.0¢/$ | $0 | — | visa |
| Capital One Venture X Rewards Credit CardCapital One | 2x Venture Miles | 3.7¢/$ | $395 | — | visa |
Other brands in Gas Stations where the top picks above also earn well.
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