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Is it hard to get a gas-station credit card

4X points on travel, gas stations, and EV charging stations.
For example, you might use the Chase Freedom Flex℠ as your category card to get 5% cash back through the 90 days it’s active.
All of those other year, you might work with a different card that offers higher rewards on gas purchases.
Many rewards bank cards offer a certain amount of cash back, often at least 1% or 2%, on virtually all you purchase using them, including gasoline.
Despite the limited use, gas bank cards can be helpful for individuals who are having trouble getting approved for a normal credit card.

or fair credit, because they are easier to be eligible for.
But most won’t have as much perks as a normal rewards card.
So people who have good or excellent credit should turn to co-branded or general-purpose gas credit cards.

Rewards Cards

When you make these purchases, you’ll earn bonus rewards on your charge card plus any promotional incentive provided by the fuel rewards program.
Some issuers may offer pre-approval tools to assist you determine if you’re more likely to qualify, but remember a pre-approval isn’t a guarantee of approval.
While gas bank cards certainly offer benefits, they often have a cost.
You can find often restrictions on what qualifies as a gas station.

  • Gas credit cards earn points, cash return or miles on special rewards for gas purchases.
  • Our goal would be to give you the best advice to help you make smart personal finance decisions.
  • Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy.
  • Check the redemption options to get an idea of what points are worth in order to start to see the real value of what you’re getting.

Still, some cards offer other benefits, such as discounts on nonfuel purchases or cash return in other spending categories.
Earn 50,000 bonus points once you spend $2,000 in eligible purchases within the first 120 days of account opening.
That is clearly a $500 value redeemable towards travel, gift cards, cash return, merchandise and more.
Gas-station-branded cards might be tempting, but you’re likely to have more value overall with a general rewards credit card — and you won’t be tied to a single make of service station.
Finally, note that the best way to save on gas may be by not utilizing a credit card at all.

Wells Fargo Autograph℠ Card

Another option is the PenFed Platinum Rewards Visa Signature Card, which pays five-times points on gas purchases and electric vehicle charging stations, without mileage cap.
Those points can be used for travel, merchandise, and gift cards, among other categories.
But regular cash-back credit cards could save you a lot more.

As gas prices continue to fluctuate, one of your best choices for saving on everyday spending is actually a gas charge card.
Gas purchases take into account roughly $2,000 of the common consumer’s annual spending, making gas credit cards a worthwhile solution to earn rewards.
If you’re already a member of one of both large warehouse clubs, Sam’s Club or Costco, you involve some nice credit card choices with sky-high rewards rates on gas.
The Sam’s Club® Mastercard® offers 5% cash back (on around $6,000 spent per year, then 1%) at EV charging stations and eligible gas stations worldwide, including stations at Sam’s Club.

If your credit is who is fit and you make your payments in full, a gas rewards credit card is actually a better option for you personally.
Also you can do the same thing with your business credit cards.
A few small company cards offer bonus rewards on gas, along with other valuable business categories.
Most also have other useful bonus rewards categories that may make it simpler to choose a card.
For example, if your two biggest expenses are gas and groceries, you can pick a card that provides bonus rewards for both types of purchases.
If you are searching for a straightforward approval gas card, you should look at the Shell

No cap on gas rewards implies that even though you’re a salesperson with a multistate territory, you can fill your tank throughout the year without getting bumped to a lower rewards rate.
Besides those spending caps, the warehouse cards come with a few other drawbacks.
You have to be an associate, which incurs an annual membership fee.
If home-improvement stores will be a category, you may delay a residence project for some weeks until the 5% category is active.
You buy gas when you need it and typically don’t stockpile it.
Currently, a good goal is to reach least 3% back value for gas station purchases.
Some debit cards now offer cash return on all or the majority of your purchases, typically 1%.

Getting A Gas Card

But if you’ve been cutting it close lately, then you’ll definitely need to start attending to after swiping your charge card at the pump.
For months at a time, U.S. drivers have already been struggling in the wake of rising gas costs.
Throw generally inflation, and a lot of people are racking up higher charge card tabs to cover their essential expenses.
The instructions will ask you to enter some of your card information (including a PIN if you’ve indicated that you’re utilizing a debit card), plus your zip code.
Should you have a rewards card, you’ll be prompted to enter that information, as well.

Another safety consideration isn’t having to go in to the gas station.
Should you be avoiding crowds or have a little one in the automobile, paying at the pump can limit contact with others and even permit you to pump gas while keeping your little one within your eyesight.
On all other purchases, you can earn 1 mile per dollar spent.