Best Cash Back Card for Costco Gas
Costco gas is already cheap — add a 4-5% gas rewards card for even more savings at the pump. Pure cash-back rewards — no points to track, no redemption gymnastics.
Top cash back picks for Costco Gas
Blue Cash Preferred from Amex
3% on Gas StationsAmerican Express · $95 annual fee
The best card for grocery shoppers with 6% back at U.S. supermarkets.
Blue Cash Everyday Card from American Express
3% on U.S. Gas StationsAmerican Express · No annual fee
Amex's no-annual-fee cashback card earns 3% in three powerful everyday categories — supermarkets, online retail, and gas. The online retail 3% is especially valuable as more spending moves online. Disney Bundle credit ($84/year) partially offsets the lack of fee, making this an excellent companion card.
Navy Federal More Rewards American Express
3x on Gas StationsNavy Federal Credit Union · No annual fee
One of the best credit union cards available to military members and their families. The standout feature is the incredibly low APR range (12.24-18%) combined with no annual fee and no balance transfer fees. 3x on dining, gas, and transit is competitive.
Discover it Secured Credit Card
2% on Gas StationsDiscover · No annual fee
The best secured credit card by a wide margin — and the only secured card that earns meaningful cash back rewards. Most secured cards offer nothing; Discover gives you 2% on gas and dining with Cashback Match doubling it all year one. Automatic review for upgrade to unsecured after 7 months means your deposit is returned faster than most.
Chase Ink Business Cash
2% on Gas StationsChase · No annual fee
The best no-annual-fee business credit card for companies spending on office supplies and telecom. Earn 5% cash back at office supply stores, on internet, cable, and phone services — categories that most businesses use heavily. The $750 welcome bonus after just $6,000 spend makes the first year especially lucrative.
U.S. Bank Altitude Go Visa Signature
2x on Gas StationsU.S. Bank · No annual fee
One of the best no-annual-fee dining cards available. Earn an uncapped 4x points on dining purchases, plus 2x on groceries, streaming, gas, and EV charging. The intro APR and no foreign transaction fees sweeten the deal.
Amazon Prime Visa
2% on Gas StationsChase · No annual fee
The essential card for Amazon Prime members. 5% back on all Amazon.com and Whole Foods purchases is hard to beat. The 2% on restaurants, gas, and transit makes it a solid everyday card too. No annual fee beyond your Prime membership.
Discover it Student Chrome
2% on Gas StationsDiscover · No annual fee
A student-friendly card with Cashback Match and good grades rewards.
Annual value math — Blue Cash Preferred from Amex at Costco Gas
Typical spend
$2,400
per year at Costco Gas
Earn rate
3%
on Gas Stations
Annual value
$72
rewards earned per year
Pro tips for maximizing rewards at Costco Gas
- Costco gas only accepts Visa
- Citi Costco card earns 4% on gas (including Costco gas)
- Sam's Club Mastercard won't work at Costco pumps
More card picks for Costco Gas
Best cash back cards for other retailers
Frequently asked questions
What is the best cash back credit card for Costco Gas?⌄
Our top pick is the Blue Cash Preferred from Amex — it's a cash back card that earns 3% on Gas Stations, which applies to Costco Gas purchases. With typical spending of $2,400/year at Costco Gas, that's about $72/year in rewards.
Do Costco Gas purchases count as Gas Stations?⌄
Costco Gas purchases typically code as Gas Stations depending on the issuer. Card networks determine merchant category codes (MCC), so coding can vary between Visa and Mastercard for the same retailer.
Is a cash back card worth it just for Costco Gas?⌄
A cash back card is only worth it if its broader utility matches your spending. The Costco Gas fit is a bonus — not the primary reason to open one.
Any pro tips for using a card at Costco Gas?⌄
Costco gas only accepts Visa Citi Costco card earns 4% on gas (including Costco gas) Sam's Club Mastercard won't work at Costco pumps
How much can I earn per year on Costco Gas with a cash back card?⌄
At the typical Costco Gas spend of $2,400/year and the 3% earn rate on our top pick, you'd earn about $72/year — more than enough to justify the card.