topic Re: For Gas only, Penfed, SYW, AAA, B of A or? in Credit Cards

For Gas only, Penfed, SYW, AAA, B of A or?

DaWhole9 — Wed, 19 Nov 2025 19:53:09 GMT

Looking for a 5% minimum gas card. I see that I have a few options out there, PenFed has a 5X card, SYW 5321 does 5% on gas, B of A has a card that's 3% gas, but will double that in the first year giving me 6% for one year, any other things that I should consider? Any work better than others with regards to redeeming?

Re: For Gas only, Penfed, SYW, AAA, B of A or?

AskPatient1281 — Wed, 19 Nov 2025 20:33:45 GMT

SYW 5321 seems a great optin for gas. 5% uncapped it seems.

@DaWhole9 wrote:
Looking for a 5% minimum gas card. I see that I have a few options out there, PenFed has a 5X card, SYW 5321 does 5% on gas, B of A has a card that's 3% gas, but will double that in the first year giving me 6% for one year, any other things that I should consider? Any work better than others with regards to redeeming?

Re: For Gas only, Penfed, SYW, AAA, B of A or?

unsungivy — Wed, 19 Nov 2025 21:47:02 GMT

@DaWhole9 wrote:
Looking for a 5% minimum gas card. I see that I have a few options out there, PenFed has a 5X card, SYW 5321 does 5% on gas, B of A has a card that's 3% gas, but will double that in the first year giving me 6% for one year, any other things that I should consider? Any work better than others with regards to redeeming?

The new SYW looks really good... except that I don't think anyone has reported a successful approval yet. Something currently not working in their process; wait till people start reporting approvals then I vote for that.

Re: For Gas only, Penfed, SYW, AAA, B of A or?

JamesS84 — Wed, 19 Nov 2025 23:11:12 GMT

Citi Custom Cash is a good one for 5%.

Re: For Gas only, Penfed, SYW, AAA, B of A or?

Varsity_Lu — Thu, 20 Nov 2025 01:01:21 GMT

I've had the AAA Travel Advantage card for about a month and am pleased so far despite the Comenity management. I will say, they are a bit quirky with rewards redemption. My first statement reported a zero balance since I pay my cards off fairly regularly (several times a month...I just like zero balances), but I can't redeem any rewards because of that. Even though my current balance is several hundred, I'll have to wait until next month's statement cuts with a balance next month in order to redeem the rewards I have. Weird.

But, it does give 5% on gas and 3% on dining and grocery. That's a pretty good combo in one card. And it's a Visa Sig with no FTF, so, there's that.

Re: For Gas only, Penfed, SYW, AAA, B of A or?

ptatohed — Thu, 20 Nov 2025 02:42:00 GMT

The new SYW 5321 card does look promising. But, like ivy said, I'd wait to see others go first. For me, I'm mainly waiting to see if the new statement credit option is at 1:1. If the statement credit is not 1:1, we'd have to redeem in gift cards.

But yeah, lots of good options listed upstream.

Re: For Gas only, Penfed, SYW, AAA, B of A or?

Follower — Thu, 20 Nov 2025 08:03:01 GMT

I'm quite happy with my AAA sister card, the Daily Advantage Visa. I'll note that if you float and PIF, you won't see the redemption issues that @Varsity_Lu and others have mentioned.

Re: For Gas only, Penfed, SYW, AAA, B of A or?

ptatohed — Thu, 20 Nov 2025 09:41:47 GMT

Keep in mind spending caps.

Re: For Gas only, Penfed, SYW, AAA, B of A or?

CreditCuriosity — Thu, 20 Nov 2025 16:29:09 GMT

Custom Cash or custom Cashes IMO. Been around for awhile and proved it will remain around. Yes it has a cap of 500 a month but who really spends that in gas a month? Granted I homework so I certainly don't so some biased there also more flexible with other cats other than just gas. So many options out there though as echoed above on gas cards. PNC 4%(gas)/3%(dining) as well on gas just another card to through into the mix. Gas cards are kind of a dime a dozen anywhere from 3-5% obviously the higher the better but some have redemption thresholds etc where-as I know custom cash doesn't. Sure other of those don't either just throwing my thoughts into the ring. Point cards can flucate as well as being CPP being unknowns like SYW and if giftcards etc..

Re: For Gas only, Penfed, SYW, AAA, B of A or?

coldfusion — Thu, 20 Nov 2025 14:55:36 GMT

Custom Cash is the easy win.

Since PenFed was mentioned upthread I'll remind everyone that the Platinum Rewards card has a minimum $5K SL and that points are valued at about 0.85 cents each; it's about a 4.25% gas card.

Re: For Gas only, Penfed, SYW, AAA, B of A or?

CreditCobra — Fri, 21 Nov 2025 04:51:43 GMT

Best unlimited 5% gas card that I've found is the:

Abound Credit Union Platinum Credit Card

Every month when the statement closes, it posts a 5% rebate to the card. So redemption is every month, and automatic. Love this card. Used it fifteen minutes ago.

Re: For Gas only, Penfed, SYW, AAA, B of A or?

credit8502020 — Fri, 21 Nov 2025 07:08:53 GMT

@CreditCobra wrote:
Best unlimited 5% gas card that I've found is the:

Abound Credit Union Platinum Credit Card

Every month when the statement closes, it posts a 5% rebate to the card. So redemption is every month, and automatic. Love this card. Used it fifteen minutes ago.

@CreditCobra Thank you for mentioning this one. Do you mind sharing your credit card limit? I'm curious as to what their typical credit card starting limit is.

Re: For Gas only, Penfed, SYW, AAA, B of A or?

coldfusion — Fri, 21 Nov 2025 13:11:53 GMT

@credit8502020 wrote:
@CreditCobra wrote:
Best unlimited 5% gas card that I've found is the:

Abound Credit Union Platinum Credit Card

Every month when the statement closes, it posts a 5% rebate to the card. So redemption is every month, and automatic. Love this card. Used it fifteen minutes ago.
@CreditCobra Thank you for mentioning this one. Do you mind sharing your credit card limit? I'm curious as to what their typical credit card starting limit is.

There should be a critical mass of threads in Approvals if you want to see data points, you can also search under their old name Fort Knox if you want a historical perspective.

Not that it should really matter for a dedicated gas card but applicants that don't live in Kentucky who get approved I believe typically get limits somewhere on the order of $500-$2K.

Re: For Gas only, Penfed, SYW, AAA, B of A or?

bs1234 — Fri, 21 Nov 2025 14:12:44 GMT

For those that don't want to use a credit card "slot" the Paypal debit card can be set each month to gas, to get 5% on up to $1000 spend.

Re: For Gas only, Penfed, SYW, AAA, B of A or?

CreditCobra — Thu, 15 Jan 2026 20:19:52 GMT

@credit8502020 wrote:
@CreditCobra wrote:
Best unlimited 5% gas card that I've found is the:

Abound Credit Union Platinum Credit Card

Every month when the statement closes, it posts a 5% rebate to the card. So redemption is every month, and automatic. Love this card. Used it fifteen minutes ago.
@CreditCobra Thank you for mentioning this one. Do you mind sharing your credit card limit? I'm curious as to what their typical credit card starting limit is.

Sorry, I've been taking a break for a bit. Since I was out of state, I got an initial $2,000 limit. Since then I've bumped it to $4,000. Sinc I only use this card for gas (and drive a PHEV), that's fine for me. Your mileage may vary (see what I did there).