Ducks Unlimited is 5%
Costco and Sam's have good percentages for gas, but redemption is weird and you need to be a club member
I think there is also a credit union in Kentucky (I want to say Fort Knox Credit Union) with a 5% gas card
But 3/2/1 rewards cards are a dime a dozen. That's what I use, my Coastal card, until I am able to get a Ducks Unlimited card.
@expatCanuck wrote:
Typically get my gas at Shell -- a local station where my Giant points are applied.
I wouldn't mind an additional $.10/gallon.
Other than an INQ and a stupid low limit, any reason not to?
It looks like the card also has a 10% rebate (up to $120 in statement credits) in the first year. But after the first year, the card may or may not make sense. For me, my car requires 93 octane fuel and even though I live in one of the lower-cost states for gasoline, $0.10 off a gallon would be 3% back at best. It's also worth noting that the 10 cents is a combination of 5 cents for the card and 5 cents for Fuel Rewards Gold, which is very easy to obtain and maintain for anyone who regularly fills up at Shell. So the card itself is really only 5 cents off per gallon.
Personally, I think you'd do much better with having the Fuel Rewards program and any category card that gives a bonus for gas. When gas isn't a 5 UR category on Freedom (or more commonly through Chase Pay, although that app is going away soon) my default is Citi Premier since the 3x travel category gives me 3.75% toward travel on top of the Fuel Rewards. Also add on the Dunkin Donuts offer where you get an additional 5 cents per gallon for every 5 coffees purchased, and I typically have 25-30 cents off per gallon every time I fill up. I don't really spend much for gasoline unless doing road trips, so it's not huge but it's easy for me to rack up savings.
I have the PNC cash rewards, and the 4% gas and 3% restaurants adds up cash back pretty quickly! I got this card less than a month ago and we’ve already racked up $18.73 in cash back. There is a $25 minimum redemption threshold, but we’ll average $21 per month based on our average spend for gas and dining. There is an $8000 on 4/3/2% categories, so we’ll only use it for gas and restaurants, and with the 5% quarters on my Discover, we’ll never max out the $8000 cap.
So far, I really like the card.
So far, I really like the card.
@K-in-Boston wrote:
@expatCanuck wrote:
Typically get my gas at Shell -- a local station where my Giant points are applied.
I wouldn't mind an additional $.10/gallon.
Other than an INQ and a stupid low limit, any reason not to?It looks like the card also has a 10% rebate (up to $120 in statement credits) in the first year. But after the first year, the card may or may not make sense. For me, my car requires 93 octane fuel and even though I live in one of the lower-cost states for gasoline, $0.10 off a gallon would be 3% back at best. It's also worth noting that the 10 cents is a combination of 5 cents for the card and 5 cents for Fuel Rewards Gold, which is very easy to obtain and maintain for anyone who regularly fills up at Shell. So the card itself is really only 5 cents off per gallon.
Personally, I think you'd do much better with having the Fuel Rewards program and any category card that gives a bonus for gas. When gas isn't a 5 UR category on Freedom (or more commonly through Chase Pay, although that app is going away soon) my default is Citi Premier since the 3x travel category gives me 3.75% toward travel on top of the Fuel Rewards. Also add on the Dunkin Donuts offer where you get an additional 5 cents per gallon for every 5 coffees purchased, and I typically have 25-30 cents off per gallon every time I fill up. I don't really spend much for gasoline unless doing road trips, so it's not huge but it's easy for me to rack up savings.
If you have cell service through T-Mobile, you can stack an additional ~10c/gallon once a week through the T-Mobile Tuesdays app. (Previously it was much higher, though only offered maybe once a month at best.) There was one holiday season where stacking a Chase Pay promo + normal Fuel Rewards + T-Mobile got me 50c/gallon off--on top of the CC bonus points. 
Anyway, definitely concurring with the point that a gas CC (especially Shell's) probably isn't worth it.
I stack the T-Mobile Tuesday/Fuel rewards discount of 15 cents a gallon with my Penfed Cash rewards CC( no longer offered from Penfed) that gives a 5% discount. This adds up to roughly 25 cents a gallon in discounts every week.
