cancel
Showing results for 
Search instead for 
Did you mean: 

Help With GAS CARD!

tag
coldfusion
Community Leader
Mega Contributor

Re: Really: Help With GAS CARD!

Let's not get too far off track here with discussions regarding safety of off-brand gasoline Smiley Happy the goal is to help the OP find a suitable card for their needs.

 

I'm going to assume that OP has already looked into and rejected an option like a Wex fleet card.  The challenge here is that the projected spend is away above the quarterly/yearly spend limits for the enhanced cashback on gas purchases, and OP hasn't said they are willing to put up with the overhead of obtaining and then tracking spend across a fistful of credit cards like a BoA CCR + PNC Cash Rewards + etc. etc.

 

Off the top of my head the only cards I can think of that don't have a related spend cap on gas purchases:

 

Abound FCU Platinum  (5%, have to jump through a couple of hoops for membership if not a KY resident, can be hard to get approved)

PenFed Platinum Rewards (~4.25%, can't pay out in cash or statement credit, primary means is as gift cards)

Costco (4%, payout is once per year as a merch credit unless one wants to go in-store and cash it out IIRC)

AMEX BCP (3%, payout is as a statement credit - the $6K threshold is for grocery purchases, there is no cap on gas, card has $95 AF) 

 

Given the amount of projected spend, I don't think having a $25 mininum cashout/payout threshold would pose much of an issue here.

 

As a bottom end baseline there is always the option to look at a 2% cashback card for unstructured spend, there are a number of decent options there.

(11/2024)
FICO 8 (EX) 850 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 21 of 85
ptatohed
Valued Contributor

Re: Really: Help With GAS CARD!

If you live in CA (or can otherwise gain CU membership), the G1 Plat Rew is a great card with 3% gas, rest's, and groce.  

 

https://www.golden1.com/credit-cards-loans/credit-cards

 

 

 

5% CB rotating: ;
Everyday 3% CB: ;
Everyday 5%: ;
Companion Card: ;
Everyday 2.2% CB: ;
Retired to sock drawer after AOD (kept alive w/ 1 purchase every 6 mo): ;
On my radar: ;
Still Waiting for an Invite: ;
No hope:
Message 22 of 85
gdale6
Moderator Emeritus

Re: Really: Help With GAS CARD!

Barclays offers the AARP essential rewards MC 3% back on gas (no limit)

 

https://cards.barclaycardus.com/banking/cards/aarp-essential-rewards-mastercard/

Message 23 of 85
kilroy8
Community Leader
Super Contributor

Re: Really: Help With GAS CARD!

NFCU MoreRewards has no AF and is uncapped 3% on gas. A great all-around card, too.

 

You would hit caps quickly with any of the 5% cards.

Message 24 of 85
calisig
Regular Contributor

Re: Really: Help With GAS CARD!


@coldfusion wrote:

 

The challenge here is that the projected spend is away above the quarterly/yearly spend limits for the enhanced cashback on gas purchases, and OP hasn't said they are willing to put up with the overhead of obtaining and then tracking spend across a fistful of credit cards like a BoA CCR + PNC Cash Rewards + etc. etc.

 

Off the top of my head the only cards I can think of that don't have a related spend cap on gas purchases:

 

Costco (4%, payout is once per year as a merch credit unless one wants to go in-store and cash it out IIRC)


Costco card has a gas spend cap: $7k / year

13Oct22 Exp F8: 812
Message 25 of 85
D10001
Valued Member

Re: Really: Help With GAS CARD!

I took out a Discover IT card in my wife's name to get the 10% on $1,500 gas for the quarter.  I used that up on a cross country trip.  Now I'm using my own IT card for the 5%.

 

When driving through Canadia, I used my Venmo card (station wouldn't accept Discover) to get 3% (and avoid foreign transaction fee).

 

Now Amex has a $3 rebate "offer" on a $35 puchase.  That combined with 1.5% equals 10% on the $35 purchase.  Between my card and my wife's, I can use that  10 times.  Chase offered me 10% back on a $60 Citgo puchase.  Amex has another offer: $5 using Shell's app. for a $20 purchase.  I also use the already-mentioned "Upside" and Shell's affinity program for 5+ cents.  Shell links to my supermarket.  So spending another $100 a month at Stop and Shop gets me 10 cents off on 20 gallons.

 

Still it's a struggle. Even with the 10% rebates, gas is @$4.40 and it's killing me.

 

 

Message 26 of 85
SouthJamaica
Mega Contributor

Re: Help With GAS CARD!


@BlessedCharmant wrote:

Started a new job; will be spending $1,000-$1,800 per WEEK in fuel; Regular Unleaded. Trying to lower the costs and burden as much as possible. So you if you all could help suggest the very Fuel or Credit Card(s)? ALSO open to any other suggestion's; rewards programs, or whatever. Combinations would be great too!

 

Thank you all! 🥳


Since you're spending such a giant amount on gas, I would suggest that you use multiple cards, not just one, since the cards with the highest cash back often come with spending caps.  E.g. someone in the thread suggested Citi Custom Cash, which is great but would have a $500 month cap.

 

The Citi Premier Card gets you 3 points, and is, I believe, uncapped.  The points can be redeemed 1:1 for cash, but can be worth more than that.


Total revolving limits 586020 (520820 reporting) FICO 8: EQ 694 TU 696 EX 692




Message 27 of 85
acercode
Valued Member

Re: Really: Help With GAS CARD!


@ptatohed wrote:

@acercode wrote:

Please do not use cheap no-name gas unless you drive a beater. Damaging your engine isn't worth saving a few cents. Stick with Top Tier gas only. 

 


 

I do mostly drive my daily beater but I disagree that off-brand gas is damaging.  (And it's not just 'a few cents').  Yes, I know the debate will continue.  Smiley Happy

 

https://www.ocregister.com/2015/07/20/dont-be-afraid-of-cheap-gas-it-wont-harm-your-car-experts-say/

 

 

 


Apparently, AAA had a change of heart?

 

https://money.cnn.com/2016/07/08/autos/aaa-cheap-gasoline/index.html

 

In my family, all the new cars that used cheap gas developed major engine problems by 100k miles: check engine light, oil burning, poor gas mileage, etc. Coincidentally, none of my new cars developed any problems, I only use Top Tier. Took a while but my stubborn relatives finally learned their lesson and switched to Top Tier too.

Message 28 of 85
ChargedUp
Senior Contributor

Re: Really: Help With GAS CARD!

Now back to the topic at hand...

 

I'll throw Bank of the West's Rewards MC into the ring as well. Unlimited 3% on gas, grocery and dining. Not a bad card to pick up certain daily spending but the rewards redemption is clunky and in $25 blocks. SL's are usually ho-hum, but they are known for their soft pull approvals and CLI's (which aren't anything stellar either...)

 

https://www.bankofthewest.com/personal-banking/credit-cards/cash-back-credit-card.html

 

foot note: BOTW is being bought out by BMO/Harris and things should change over sometime around 2023. Hopefully they keep the rewards structure and nix the $25 block redemptions.

Message 29 of 85
ChargedUp
Senior Contributor

Re: Help With GAS CARD!


@calisig wrote:

@ChargedUp wrote:

4% on gas station purchases up to $8500/year.

 

https://www.pnc.com/en/personal-banking/banking/credit-cards/pnc-cash-rewards-visa-credit-card.html


good find! but slight correction: 4% back on $8k / year spend on gas + dining (3%) + groceries (2%) combined. But you could choose to use PNC Cash Rewards card exclusively for gas!


Oops! good catch... it is indeed $8K a year. I *only* use this card for gas as Elan picks up dining for 4% and BCP/Gold pick up groceries.

 

If you have a Chase Amazon Visa, you have another option for gas this month up to $1500...

 

Amazon Visa gas.png

Message 30 of 85
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.