Best Credit Cards For Gas & Dining Purchases

Get a list of the best credit cards for gas and dining purchases based on your spend. Compare results side by side other top credit cards.
Last Updated: 2020-09-17

If you're a road warrior, you know how important gas and food are. Luckily, there's a lot of credit cards that specialize in earning you great rewards across both categories.

AMEX Business Gold Card

If you don't mind picking up a business card, the AMEX Business Gold is upper tier. The card earns 4 Membership Rewards Points per $1 spent in the two categories you spend the most in per month in which gas and dining are available categories out of a total of six. This can be as high as a 8%+ return when transferring points to AMEX's partners, a 5.2% return when redeeming for airfare through the AMEX Travel Portal, and an easy 4% or lower return for everything else.

Wells Fargo Propel AMEX

If you're looking for rewards that are easily redeemable towards travel, the Wells Fargo Propel AMEX is at the top of the list. It earns a 3% return across travel (includes gas), dining, and streaming service spending. If you want to up the return to 4.5%, you can pick up the Wells Fargo Visa Signature Card which grants a 50% boost to point value when redeemed for airfare.

Sam's Club & Costco

The Sam's Club Mastercard is a great option if you already have a membership. You'll be earning 5% cash back on gas and 3% cash back on both travel and dining. If you prefer Costco, the Costco Anywhere Visa is a great alternative that earns 4% on gas, 3% on travel and dining, and 2% back at Costco.

Bank of America Cash Back Cards

Outside of the Sam's Club and Costco credit cards, both of Bank of America's cash back credit cards allow you to pick one category to earn 3% cash back in. You would have to pick up both the personal and business card to nail 3% across both categories. With Bank of America, you can earn up to 5.25% cash back based on how much you have invest with them which is nice if you have money laying around to invest.

Best Cards By Spend Calculator

The Best Credit Cards By Spend Calculator will find the best credit cards based on the spend and selected filter options. Results will be sorted by net return which is the average value of the total rewards earned, plus annual credits, and minus annual fees. For any of the results listed, you can click on 'Rewards Calculator' to calculate more accurate results. You'll be able to enter spend for as many categories as you want, toggle annual fees, add authorized users, specific elite status and memberships, incorporate sign up and welcome bonus, view rewards as if you transferred them to partners, and much more.

Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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Category Spend

Enter your spend per month, year, or quarter for the listed categories. You can then click Get The Best Cards to get the list of results.

Spend Duration

You can set the duration of the spend for the categories listed above. If you're looking for the best card for only n-months worth of spend, this is where you change the option. If you want to calculate based on a full year, you can leave it set to a duration of 'year'.

Adjust Transferable Points

Some rewards programs allow you to transfer your earned points to airline, hotel, and other loyalty programs. These programs will generally have higher point values when doing such. Since these matter so much when choosing a credit card, you can enter your own point value for these programs to include in the calculations. You can set any of the currencies listed below to 0 to calculate based on the non-transfer value (in which most are 1 cent per point with the exception of Chase's 1.25/1.5 cent redemptions).
When transferring to other programs, you should be able to get 1 to 2 cents in value for most of the programs listed below, so I defaulted most to a low average of 1.5 cents. You can click on the to learn more about the value of the currency (opens in a new tab/window).

Include Annual Credits/Bonuses

Several credit cards feature annual bonuses. These are usually anniversary bonuses for having the card, airline credits, hotel credits, and more. If you want these included in the calculation, you can check thy box below.


The bank that issues the card. De-select the banks that you do not want in the results.


The network that the card is tied to such as VISA, Mastercard, Discover, or AMEX.

Card Type

The type of card such as a co-branded airline card, bank rewards card, or cash back card. Do note that some store cards will appear under cash back if you're able to redeem cash back like a normal cash back credit card.

Reward Type

The type of rewards the card earns. This will either be points, miles, or cash back.


Toggle the showing of personal or business cards in the results. Card combinations are also featured on this site. The combo option is only available if it's more than one category you're enter spend for.

Annual Fee

The range of fees you're willing to pay to wield such awesome credit cards. Selecting the First Year Free (FYF) / First Year Reduced (FYR) option will calculate FYF/FYR credit cards with their free or reduced annual fee.

Income Requirements

Some credit cards require a certain amount of annual individual or household income. Enter a max income or enter 0 to show all cards.

Foreign Transaction Fees

Toggle whether to include credit cards that have a foreign transaction fee, foreign conversion fee, or any other type of charge that has to do with making purchases outside of the region.


Do note that results may take a few seconds to generate after doing a search.
You can click on the 'More Info' for any of the cards listed in the results to calculate even more accurate results. You can also click Apply to apply for the card.
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