Blue Cash Preferred / 3%
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.
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.
@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 😜😁
Biz - 
Authorized User - 
Debit Cards - 
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.
- 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.
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.
