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A majority of credit cards come with some type of rewards, and this can earn the cardholder some significant amounts of cash if used properly. Smart credit cardholders analyze their spending patterns to determine the card they need in order to maximize their earnings.
If you do a significant amount of driving, you may want to have a credit card that has a good payout on gas purchases. Here are some of the top credit cards with gas rewards:
The Costco Anywhere Visa® card offers a wonderful 4% cash back on eligible gas purchases worldwide, including gas purchased at Costco. These rewards apply to your first $7,000 spent on gas purchases made each year, and you’ll receive 1% cash back on all additional gas. 3% cash back is earned on all restaurant and eligible travel purchases worldwide, and 2% cash back from all Costco purchases. 1% cash back is earned on all other purchases. Rewards are earned in the form of a coupon that cardholders receive once a year in February, so long as their account is open and in good standing. The coupon can be redeemed at any Costco store by the end of the year for merchandise or cash. The standard variable interest rate of 16.99%* (Variable). There is no annual fee for this card with your paid Costco membership, and no foreign transaction fee.
The Wells Fargo Propel American Express® card offers 30,000 bonus points when new cardholders spend $3,000 within the first three months of opening their account, which is a cash redemption value of $300. In addition to the introductory offer, you can earn 3X points on eating out or ordering in; gas, transit and ride shares; and travel. All other purchases earn one point per dollar. The card also has a 0% introductory APR for 12 months on purchases and balance transfers (fees apply). Balance transfers must be made within 120 days of opening the account in order to qualify for the introductory rate and fee. After the introductory period, the rate will be 14.74%-27.24% (Variable) APR, depending on your creditworthiness. There is no annual fee for this card.
The Citi Premier℠ Card has some attractive rewards. Cardholders earn 60,000 bonus points once they spend $4,000 during the first three months of having the account. Ongoing rewards include three points for every dollar spent on travel and gas, two points for each dollar spent on dining out and entertainment, and one point for all other transactions. You can transfer the points to use at participating airline and hotel loyalty programs. The card has an APR between 18.24%-26.24% (Variable) depending on your credit worthiness. There is a $95 annual fee.
The Capital One® Quicksilver® Cash Rewards card offers customers the same rewards on all purchases with no limits, 1.5% cash back. Rewards never expire, and you can redeem your rewards in any amount and at any time. New applicants also receive a $150 cash bonus when they use their card to spend $500 on new purchases within the first three months of account opening. This card also offers new applicants 15 months of 0% APR promotional financing on both new purchases and balance transfers, with a 3% balance transfer fee. After the promotional financing period expires, the standard interest rate of 15.74% - 25.74% (Variable) for purchases will apply, and the rate you receive will be based on your creditworthiness when you applied.
The Citi® Double Cash card offers you the chance to earn cash back twice, once when you make a purchase and again when you pay. You earn 1% cash back on all purchases at the time of the transaction and another 1% when payment is made for a total of 2% cash back. This card also offers 18 months of 0% APR introductory financing on balance transfers, with a 3% balance transfer fee. Once the promotional financing rate expires, a standard interest rate of 15.74%– 25.74% (Variable) will apply to the remaining balance, which is a variable rate based on the Prime Rate.
The Bank of America® Cash Rewards Credit Card is an outstanding cash back card. It offers 1% cash back on all purchases, but 2% on transactions made at grocery stores and at wholesale clubs, and 3% on a category of your choice: gas, online shopping, dining, travel, home improvement/furnishings or drug stores. These increased payouts are applicable on up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter. Cardholders can update their choice category for future purchases once each calendar month using the Mobile banking app or Online banking, or do nothing and the category stays the same. If you’re a Bank of America Preferred Rewards member, you can earn 25% – 75% more cash back on every purchase. New customers can earn a $200 online cash rewards bonus after spending $1,000 in the first 90 days of opening an account. In addition, new applicants will get 15 billing cycles of 0% APR on both new purchases and balance transfers. The balance transfers must be completed within 60 days of account opening, and a 3% balance transfer fee applies. The card has an APR ranging from 15.74% - 25.74% Variable APR on purchases, depending on your credit worthiness. The card has no annual fee but there is a 3% foreign transaction fee on transactions made outside of the United States.
The Citi Rewards+℠ Card is a new and unique rewards card. Citi rounds up the ThankYou points earned with each purchase to the nearest 10. For instance, if a purchase qualifies for 15 ThankYou Points, that reward will be rounded up to 20 points. This occurs for every transaction, no matter how small. The card features a 15,000 ThankYou Point sign-up bonus. To earn the extra rewards, cardholders must spend $1,000 on the card during the first three months of card membership. The card earns two points per $1 spent at gas stations and supermarkets, for the first $6,000 in annual purchases made in those categories. All other transactions earn one point per $1. Cardholders will also get back 10% of their rewards on the first 100,000 points they redeem each year. The Citi Rewards+℠ Card has an introductory APR on purchases and balance transfers of 0% for the first 12 months. The standard APR is 15.24% - 25.24% (Variable), depending on credit worthiness. There is no annual fee on this card.