Compare Credit Cards to Choose the Best One

1
One-time Bonus

Rewards Credit Card

Gas Credit Card

Apply for Discover it® Cash Back on BestCreditOffers.com
Shell Drive for Five® Card
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • No Rewards Bonus

Sign-up bonus is a deal! When a credit card has a promo offer make sure you will be able to grab it, otherwise it will be a waste of time. Gas branded credit cards not always have promo offers and if they have, they are hard to comprehend, not mentioning to achieve. For example, the Shell Drive for Five card does not have any promotional offer. Regular cards are much better in this way. You can simply choose a card with a sign-up bonus! For example, as a new cardmember of the Discover it® Cash Back card you will simply get all your first-year cash back matched at the end of the year.

2
Rewards on Gas
  • Rewards at All Gas Stations: up to 5% cash back
    equates to 12.4¢ per gallon**
  • Rewards at Shell Gas Station: up to 5¢ per gallon
  • Rewards at All Gas Stations: No

Unlimited rewards. That's it! The card should give you unlimited rewards on all purchases and not only for the first 100 gallons of fuel you buy in a given month or for fuel purchases at specific gas stations. Co-branded gas cards will always limit you to particular gas brands. The Shell Drive for Five card, for instance, will rebate on Shell Fuel only. Moreover, the important disadvantage of co-branded gas rewards credit cards is the way you get your savings - you receive cents as a discount on each gallon and your savings steadily drop as gas prices go up. Whereas regular cards like the Discover it® Cash Back card, will allow you to earn unlimited rewards at any gas station that accepts credit cards as a method of payment.

3
Rewards on Purchases
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • No Rewards

Earn rewards everywhere you shop. When you are applying for a gas branded credit card, you should understand that you won't be able to use it outside gas stations. Thus, the Shell Drive for Five card cannot be used outside Shell gas stations, meaning you will need another credit card if you want to shop and earn rewards at other locations. Regular rewards credit cards give more flexibility. You can have only one, for example, the Discover it® Cash Back card to earn rewards on purchases at gas stations, grocery stores, restaurants, local cafes, and anywhere else.

4
Redemption Options
  • Redeem cash back any amount, any time. Rewards never expire.
  • Redeem Fuel Rewards® savings at participating Shell stations.8

Redeem for any thing you want. A gas credit card will either give you an instant discount at the gas pump when you are paying for fuel with this card, or it will reward you with points redeemable for gas discounts only. The savings on the Shell Drive for Five card can only be redeemed for statement credits, other redemption options are not available. Regular credit cards allow more ways to redeem: from popular retailer's gift cards to cash deposited to your bank account. For example, the Discover it® Cash Back card allows to redeem earned cash back for anything. You don't need to redeem for fuel if you don't want to.

5
Rewards Expiration
  • Rewards never expire
  • Most rewards expire on the last day of the month.8

Never lose rewards. Rewards you earn with a gas credit card won't live forever. They either expire in a period of time or you are sent rewards certificates that also have an expiration date. When you use a regular rewards credit card, you will keep your rewards as long as your account is active and in good standing.

6
0% Intro APR on Purchases
  • 0% (14 months)
  • 13.99% - 24.99% Variable after that
  • No Intro APR on Purchases
  • 26.74%8

Enjoy 0% interest introductory period. You cannot get a credit card with absolutely no interest, but you can forget about interest payments for a year or so if you have the right card. A gas branded credit card is unlikely to have 0% intro APR. Thus, the Shell Drive for Five card does not have any kind of intro APR. More than that, the ongoing interest rate is quite high. Regular credit cards often come with 0% introductory rates allowing you to carry some balance from month to month without paying a penny of interest (provided you make minimum monthly payments on-time).

7
0% Intro APR on Balance Transfers
  • 0% (14 months)
  • See terms after that
  • No Balance Transfer Option

Pay off your debts at 0% interest. When you need to pay off some debt. Having a credit card that allows you to transfer and pay off some debt at 0% APR is a good idea. The less you owe, the better your credit will be and the more value your rewards will have. The interest payments can negate all rewards you've earned, so make sure you do not carry the balance on your cards. Most co-branded gas credit cards do not offer 0% intro APR on balance transfers, and you won't see it on the Shell credit card either.

8
Foreign Transaction Fee
  • None
  • N/A8

No unexpected fees. Guess you won't like to see a fee charged for a transaction in a foreign currency. This fee is not a common thing among gas branded credit cards because they are not usually accepted abroad and cannot be used outside gas stations. Regular credit cards tend not to charge this fee as well even though they can be used everywhere. So if you use your credit card abroad, you can save a lot on your purchases.

9
Available Gas Stations
  • ANY
  • SHELL ONLY

Shop everywhere. Getting a co-branded gas credit card means you won't be able to use that card everywhere. You will be limited to a specific gas brand and chances are you may not have a suitable gas station near you in the most crucial moment. The Shell Drive for Five card is accepted at Shell gas stations only. Regular credit cards, like the Discover it® Cash Back card, give more freedom - you can use them everywhere so long as credit cards are accepted as a method of payment.

Our Choice for Gas Rewards - Any Gas Station and Other Shopping!

Apply for Discover it® Cash Back on BestCreditOffers.com
  • Rewards Bonus
    • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Rewards Rate
    • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases - automatically.
Intro APR on Purchases:
0% (14 months)
Regular APR on Purchases:
13.99% - 24.99% Variable
Annual Fee:
$0
Foreign Transaction Fee:
None
Credit Recommended:
Excellent, Good
  • Rewards Bonus
    • Earn a $150 cash rewards intro bonus after spending $500 in the first 3 months.
  • Rewards Rate
    • Earn unlimited 1.5% cash rewards on all purchases.
    • 10% Anniversary Bonus on all Cash Rewards earned once a year.
Intro APR on Purchases:
N/A
Regular APR on Purchases:
Variable APR of 14.74%, 18.74% or 24.74%
Annual Fee:
None
Foreign Transaction Fee:
0%
Credit Recommended:
Good, Excellent
  • Rewards Bonus
    • $150 Cash Back after you spend $500 on purchases within 3 months from account opening
  • Rewards Rate
    • Earn unlimited 1.5% cash back on every purchase, every day
    • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
Intro APR on Purchases:
0% intro on purchases for 15 months
Regular APR on Purchases:
14.74% - 24.74% (Variable)
Annual Fee:
$0
Foreign Transaction Fee:
None
Credit Recommended:
Excellent, Good
  • Rewards Bonus
    • $500 Cash Back after you spend $3000 on purchases within 3 months from account opening
  • Rewards Rate
    • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
Intro APR on Purchases:
N/A
Regular APR on Purchases:
16.24% - 25.24% (Variable)
Annual Fee:
$0 intro for first year; $95 after that
Foreign Transaction Fee:
None
Credit Recommended:
Excellent, Good
  • Rewards Bonus
    • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Rewards Rate
    • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
    • Plus, earn unlimited 1% cash back on all other purchases - automatically.
Intro APR on Purchases:
0% (14 months)
Regular APR on Purchases:
13.99% - 24.99% Variable
Annual Fee:
$0
Foreign Transaction Fee:
None
Credit Recommended:
Excellent, Good
  • Rewards Rate
    • Earn unlimited 1.5% cash back on every purchase, every day
    • Earn cash rewards without signing up for rotating categories
Intro APR on Purchases:
N/A
Regular APR on Purchases:
24.99% (Variable)
Annual Fee:
$39
Foreign Transaction Fee:
None
Credit Recommended:
Average, Fair, Limited
  • Rewards Bonus
    • INTRO OFFER: Discover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles. That's $600 towards travel!
  • Rewards Rate
    • Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee.
Intro APR on Purchases:
0% (14 months)
Regular APR on Purchases:
13.99% - 24.99% Variable
Annual Fee:
$0
Foreign Transaction Fee:
None
Credit Recommended:
Excellent, Good
  • Rewards Bonus
    • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Rewards Rate
    • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
Intro APR on Purchases:
0% (14 months)
Regular APR on Purchases:
13.99% - 24.99% Variable
Annual Fee:
$0
Foreign Transaction Fee:
None
Credit Recommended:
Excellent, Good

How to Save More on Gas Purchases Using Credit Cards

While you may not leave a significant part of your budget at the pump, earning bonus points can help you save on each dollar you spend on gas purchases. You can use different strategies and here are some of them related to credit cards with gas rewards.

Occasional driving does not mean fewer rewards

Your fuel expenses will depend a lot on where you live, how far you commute and how often you have to fill up your gas tank. You may fill up on a weekly basis and spend a lot on gas, or you may fill up just once a month without spending a lot on fuel. Many gas station credit cards give good rewards only when you reach a specific limit of gallons. So, if you do not buy a lot of gas, those cards won't allow you to save much. However, you can save on fuel by putting the expenses on to a regular gas rewards credit card. No matter how much you spend, you will earn your gas rewards.

Keep rewards limits in mind

Gas station credit cards may increase your earnings as you buy more fuel or stop giving you rewards when you reach a certain limit. Regular credit cards may put limits on how much you spend of fuel. So, make sure you know if your credit card rewards are capped (like the $1,000 quarterly limit for gas purchases).

Accruing rewards is one thing and using them is another. Check out to see if the rewards expire or live forever. Gas station rewards tend to expire if you do not use them. Rewards you earn with regular credit cards usually keep accruing as long as the account is active and in good standing.

Do not go too far

Chasing the cheapest prices for gas does not mean you will save. You may need to drive miles before you find them, and that means you will burn extra fuel and savings. Same goes for gas brands. If you do not have, for example, a Shell gas station near you, there is no sense in getting a Shell credit card. You will simply spend more than earn. Instead, a regular credit card that is accepted everywhere will be a better option for you. Always use your common sense before you fall for an extremely generous rewards offer.

QUESTIONS & ANSWERS ABOUT GASOLINE CREDIT CARDS:

There are many credit cards that allow to collect cash back rewards on gas and other purchases you make. You may find offers with 1-2% cash back or more. We recommend you to consider the Discover it® Cash Back credit card as it comes with...
This is a good question, because many people get confused about this exact thing. But in fact, a co-branded credit card could also be a gas credit card, and in many cases, it is. All that co-branded means is that the credit card is issued...
Most credit cards with gas rewards will allow you to earn cash back on gas purchases and on all other purchases as well. The cards will allow you to earn at least 1% cash back on all purchases including gas purchases. Also, gas credit...
Not every issuer allows co-signing. And since Shell cards are issued by Citibank, you may not apply with a co-signer because Citi do not allow co-signing. You can try getting one of the Discover credit cards. Discover allows co-signing...

Updated: October 16, 2018

**Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. 5% Cashback is earned on up to $1,500 within a category, after the limit is reached all purchases will continue earning 1% cash back.

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