topic Re: Gas Card Question /Data/Curiosity in Credit Cards

Gas Card Question /Data/Curiosity

AyaMai — Tue, 28 Jan 2025 21:41:23 GMT

The question is that I find many are asking for gas credit cards recommendations when most Americans are members of Costco, Sam's Club, BJ's Whole, the use oil company gas credit cards, debit cards. I find many recommend Citi Custom Cash when you are locked out of Costco because it is Mastercard, I am aware able to use Chevron, Shell, Kroger plus subsidaries, Safeway, Exxon. Mobil. In my mind if I am going to shop at Costco, Sam's Club or BJ's, defintely I will fill my gas there and not drive extra miles to fill at another gas station with higher prices. I do use the AAA Travel Advantage Visa Signature Credit at Costco for 5% cashback. I do use Loves' during road trip besides Sam's Club as a memberand since it does not exist in Oregon

What credit card do you use for gas?

Re: Gas Card Question /Data/Curiosity

Anonymous — Wed, 29 Jan 2025 02:11:52 GMT

Paypal debit card. OK not a credit card, but 5% off upcapped. I use it in my Exxon-Mobil app for a little extra discount

ETA: I realize that it is capped, $1000 a month (Oh, as noted below)

Re: Gas Card Question /Data/Curiosity

AyaMai — Tue, 28 Jan 2025 23:51:01 GMT

@Anonymous wrote:
Paypal debit card. OK not a credit card, but 5% off upcapped. I use it in my Exxon-Mobil app for a little extra discount

I have it for groceries at WinCo since they don't accept credit cards.

WinCo Foods, Inc. is a privately held, majority employee-owned [5][6][7] American supermarket chain based in Boise, Idaho, with retail stores in Arizona, California, Idaho, Montana, Nevada, Oklahoma, Oregon, Texas,[8] Utah, and Washington. It was founded in 1967 as a no-frills warehouse-style store with low prices. The stores feature extensive bulk food sections.

Re: Gas Card Question /Data/Curiosity

unsungivy — Wed, 29 Jan 2025 00:38:12 GMT

I use the SYW MasterCard. Or rather, I have P2 use it since I have an EV. 5% default (6% really since I pay it off with debit card) and not capped monthly like the CCC is at $500, and leaves both CCC and PayPal available for better categories.

Re: Gas Card Question /Data/Curiosity

unsungivy — Wed, 29 Jan 2025 00:39:22 GMT

@Anonymous wrote:
Paypal debit card. OK not a credit card, but 5% off upcapped. I use it in my Exxon-Mobil app for a little extra discount

It is capped, though, at $1k spend a month. Not that you're likely to hit that.

Re: Gas Card Question /Data/Curiosity

ptatohed — Wed, 29 Jan 2025 00:42:40 GMT

SYW gas is capped too! $10,000 / yr (combined with grocery and dining spend).

Re: Gas Card Question /Data/Curiosity

Gunnerboy — Wed, 29 Jan 2025 00:51:21 GMT

Costco, big fan. Waiting for the annual reward certificate doesn't bother me.

Re: Gas Card Question /Data/Curiosity

GZG — Wed, 29 Jan 2025 00:55:59 GMT

redstone, but otherwise I'd use custom cash, paypal debit or citi biz costco

Re: Gas Card Question /Data/Curiosity

Dcowboy08 — Wed, 29 Jan 2025 01:18:20 GMT

My business uses Chevron. It tracks all my trucks and each drivers fuel usage.

Re: Gas Card Question /Data/Curiosity

Anonymous — Wed, 29 Jan 2025 02:13:03 GMT

@unsungivy wrote:
@Anonymous wrote:
Paypal debit card. OK not a credit card, but 5% off upcapped. I use it in my Exxon-Mobil app for a little extra discount
It is capped, though, at $1k spend a month. Not that you're likely to hit that.

Yes, just edited that then saw your post! Most of my major cards are uncapped, this one isn't

Re: Gas Card Question /Data/Curiosity

awg420 — Wed, 29 Jan 2025 02:20:12 GMT

Blue Cash Preferred / 3%

Re: Gas Card Question /Data/Curiosity

Aim_High — Wed, 29 Jan 2025 03:55:26 GMT

My CITI Costco Anywhere Visa.

Since I normally buy gas at Costco and both our vehicles take premium fuel, I usually save at least 25 cents or more per gallon just starting with that choice. Combined with the Costco Anywhere Visa, I save another 5% at Costco gasoline (up to $7K annually) or 4% at non-Costco stations (subject to the same $7K cap.)

The other cool thing about my Costco Visa is that it doubles as my membership card, so a single contactless swipe at the pump logs me in as a member and authorizes the charge.

When I'm not buying gas at Costco, I'm usually price-shopping with my Gas Buddy app.

My back-up choices for gasoline would be:

Discover IT: 5% back typically one quarter of the year, up to $1500 total spend.
Verizon Visa: 4% - uncapped - *although rewards are paid in Verizon Dollars for statement credit.
AFBA Visa issued by UMB (Simply Rewards program) - 3% uncapped.
AOD FCU Visa - 3% uncategorized on up to $1500 monthly spend.

Re: Gas Card Question /Data/Curiosity

NoHardLimits — Wed, 29 Jan 2025 18:06:37 GMT

I use my grandfathered Amex "old" Blue Cash @ 5% for gas/grocery/drugstore. My household doesn't use much gas these days as both myself and P2 are now fully retired.

Re: Gas Card Question /Data/Curiosity

unsungivy — Thu, 30 Jan 2025 13:25:46 GMT

@ptatohed wrote:
SYW gas is capped too! $10,000 / yr (combined with grocery and dining spend).

True, but I could nit-pick that I said it wasn't capped MONTHLY, and made no mention of yearly 😜😁

Re: Gas Card Question /Data/Curiosity

XCaliburBoss — Sun, 02 Feb 2025 17:06:03 GMT

If Costco is where you want to get gas, then get the Citi Costco card. If you don't care where you get gas, then there are several options for gas multipliers.

Re: Gas Card Question /Data/Curiosity

Windchill92 — Wed, 05 Feb 2025 23:49:08 GMT

Depends on the flavor(s) of the month:

- Citi Custom Cash for 5% combined with random 2-3% CB offers @ certain stations thru the Citi app.
- Chase FF if gas or PayPal is the 5% qtrly category
- Discover It (rotating) if gas is the 5% qtrly category
- Whichever Amex has the spiciest statement credit (e.g., I had an Exxon 10% CB for a few months in 2024)

Local grocer has cheap gas but it's not Top Tier nor does it code as a gas for CC purposes. In general, I only fill up w/ Top-Tier fuel brands.

Re: Gas Card Question /Data/Curiosity

Hansolojr — Thu, 06 Feb 2025 19:17:38 GMT

The gas stations in my area - except Costco - levy a 2-3% credit card surchage. I have Costco membership, but the nearest location is not that convenient - basically have to make a separate trip just to pump gas.

However, Shell and ARCO stations are on my commute and consistently offer reasonable prices (especially ARCO.)

Both brands also sell gift cards at grocery/office/home improvement stores, and paying with gift cards avoids the credit card surcharge.

So my default gas card is actually any credit card offering 5% on grocery purchases (or just use Ink Cash at Staples.)

I do keep the Abound Visa in my mobile wallet for 5% on gas purchases, in case gift cards run out. Prefer it to the Costco Visa because Abound automatically credits the 5% at the end of each billing cycle.