![\"\"](\"https:\/\/engineinforapid.com\/wp-content\/uploads\/2025\/03\/Wells-Fargo-Autograph-1-300x192.jpg\")
\nRating:<\/strong> 4.8 \/ 5\u00a0 \u00a0 \u00a0 \u00a0Annual fee:<\/strong> $0
\nRewards rate:<\/strong> 1x-3x (Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus, earn 1X points on other purchases)
\nIntro offer: 20,000 points (Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months)
\nRewards Breakdown:<\/strong>
\n3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans
\n1X points on other purchases
\nCard details:<\/strong>
\n0% intro APR for 12 months from account opening on purchases, then 19.24%, 24.24%, or 29.24% variable APR
\nUp to $600 of cell phone protection against damage or theft (subject to a $25 deductible)
\nPros: The card earns unlimited 3 points per dollar spent at gas stations, as well as on travel, dining, transit, popular streaming services and phone plans. Other spending earns 1 point per dollar. The bonus offer is outstanding for a $0-annual-fee card, and you even get a introductory APR period.
\nCons: The rewards rate on gas isn\u2019t the highest available, but the other bonus categories could more than make up for it for many users.<\/p>\n
2. Credit card: Citi Custom Cash\u00ae Card<\/h2>\n
Finding the best gas credit card can save you money every time you fill up. Earn valuable rewards and enjoy exclusive fuel discounts effortlessly! The key to finding the right gas credit card is choosing one that offers great rewards not just on fuel, but on other purchases too. For frequent drivers, maximizing gas rewards…<\/p>\n","protected":false},"author":1,"featured_media":270,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-254","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance"],"_links":{"self":[{"href":"https:\/\/engineinforapid.com\/index.php\/wp-json\/wp\/v2\/posts\/254","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/engineinforapid.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/engineinforapid.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/engineinforapid.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/engineinforapid.com\/index.php\/wp-json\/wp\/v2\/comments?post=254"}],"version-history":[{"count":1,"href":"https:\/\/engineinforapid.com\/index.php\/wp-json\/wp\/v2\/posts\/254\/revisions"}],"predecessor-version":[{"id":271,"href":"https:\/\/engineinforapid.com\/index.php\/wp-json\/wp\/v2\/posts\/254\/revisions\/271"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/engineinforapid.com\/index.php\/wp-json\/wp\/v2\/media\/270"}],"wp:attachment":[{"href":"https:\/\/engineinforapid.com\/index.php\/wp-json\/wp\/v2\/media?parent=254"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/engineinforapid.com\/index.php\/wp-json\/wp\/v2\/categories?post=254"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/engineinforapid.com\/index.php\/wp-json\/wp\/v2\/tags?post=254"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}![\"\"](\"https:\/\/engineinforapid.com\/wp-content\/uploads\/2025\/03\/Citi-Custom-Cash-2.png\")
\nRating:<\/strong> 4.7 \/ 5\u00a0 \u00a0 \u00a0 \u00a0 Annual fee:<\/strong> $0
\nRewards rate:<\/strong> 1%-5% (Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, then 1% cash back thereafter. Plus, earn 1% cash back on all other purchases)
\nIntro offer:<\/strong> $200 (Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou\u00ae Points, which can be redeemed for $200 cash back)
\nRewards Breakdown:<\/strong>
\n5% cash back on your highest eligible spending category (including gas stations) up to $500 per billing cycle, then 1% thereafter
\n1% cash back on all other purchases
\nCard details:<\/strong>
\nEarn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou\u00ae Points, which can be redeemed for $200 cash back.
\n0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.24% – 28.24%, based on your creditworthiness.
\nEarn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel\u2120 portal through 6\/30\/2026.
\nNo rotating bonus categories to sign up for \u2013 as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
\nNo Annual Fee
\nCiti will only issue one Citi Custom Cash\u00ae Card account per person.
\nPros:<\/strong> You earn 5% cash back on up to $500 spent per month in your top eligible category, and 1% on other spending. You don’t have to select or “activate” your category; it’s automatic, so you’ll always earn 5% in the category where it makes you the most money. This card also offers newcomers a terrific bonus offer and a nice 0% intro APR period.
\nCons:<\/strong> Note the $500 monthly spending cap for the 5% rewards rate, which means the most you can earn per month in bonus rewards is $25. Also note the low rewards rate outside of your lone bonus category for the month.<\/p>\n3. Credit card: Discover it\u00ae Cash Back<\/h2>\n
![\"\"](\"https:\/\/engineinforapid.com\/wp-content\/uploads\/2025\/03\/Discover-it-4-300x188.jpg\")
\nRating:<\/strong> 5.0 \/ 5\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0Annual fee:<\/strong> $0
\nRewards rate:<\/strong> 1%-5% (Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases \u2014 automatically)
\nIntro offer:<\/strong> Cashback Match (Unlimited Cashback Match for all new cardmembers \u2013 only from Discover. Discover will automatically match all the cash back you\u2019ve earned at the end of your first year! There\u2019s no minimum spending or maximum rewards)
\nRewards Breakdown:<\/strong>
\n5% cash back on rotating quarterly categories (like gas stations) up to $1,500 when activated, then 1% thereafter
\n1% cash back on all other purchases
\nCard details:<\/strong>
\nINTRO OFFER: Unlimited Cashback Match for all new cardmembers\u2013only from Discover. Discover will automatically match all the cash back you\u2019ve earned at the end of your first year! There\u2019s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
\nEarn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
\nRedeem your rewards for cash at any time.
\nApply and you could get a decision in as little as 60 seconds. No annual fee.
\nStart shopping and earning rewards in minutes with our digital card, before your physical card arrives in the mail, if eligible.
\nDiscover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. Activate by mobile app for free.
\nGet a 0% intro APR for 15 months on purchases. Then 18.24% to 27.24% Standard Variable Purchase APR applies, based on credit worthiness.
\nPros:<\/strong> Bonus categories in recent years have included not just gas stations but also grocery stores and restaurants (among other merchants), making this a card worth carrying year-round. You also get Discover’s signature cash-back match bonus and an annual fee of $0.
\nCons:<\/strong> The rewards rate is low outside the bonus categories. You have to keep track of the categories and activate them each quarter, which some consider a hassle. Bonus earnings are capped.<\/p>\n4. Credit card: Blue Cash Preferred\u00ae Card from American Express<\/h2>\n
![\"\"](\"https:\/\/engineinforapid.com\/wp-content\/uploads\/2025\/03\/Blue-Cash-Preferred-4.jpg\")
\nRating:<\/strong> 4.5 \/ 5\u00a0 \u00a0 \u00a0 Annual fee:<\/strong> $0 intro annual fee for the first year, then $95
\nRewards rate:<\/strong> 1%-6% (6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit, 1% Cash Back on other purchases)
\nIntro offer:<\/strong> $250 (Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months)
\nRewards Breakdown:<\/strong>
\n6% cash back at U.S. supermarkets (up to $6,000 per year, then 1%)
\n6% cash back on select U.S. streaming subscriptions
\n3% cash back at U.S. gas stations and on transit
\n1% cash back on other purchases
\nCard details:<\/strong>
\nEarn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
\n$0 intro annual fee for the first year, then $95.
\nBuy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It\u00ae to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
\nLow Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 18.24% – 29.24%.
\n6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
\n6% Cash Back on select U.S. streaming subscriptions.
\n3% Cash Back at U.S. gas stations.
\n3% Cash Back on transit (including taxis\/rideshare, parking, tolls, trains, buses and more).
\n1% Cash Back on other purchases.
\nCash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
\n$84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
\nApply with confidence. Know if you’re approved for a Card with no impact to your credit score. If you’re approved and you choose to accept this Card, your credit score may be impacted.
\nPros:<\/strong> Earning 3% back on U.S. gas station purchases year-round is excellent when there are other lucrative bonus categories, too. Large households especially will appreciate what the Blue Cash Preferred\u00ae Card from American Express can earn on other expenses: 6% cash back at U.S. supermarkets, on up to $6,000 a year in spending (then 1%); 6% cash back on select U.S. streaming subscriptions; 3% cash back on transit (including such things as taxis, rideshares, parking, tolls, trains and buses); and 1% cash back on all other purchases. Terms apply.
\nCons:<\/strong> There’s a $0 intro annual fee for the first year, then $95. Make sure what you’ll earn in rewards will outstrip that cost \u2014 grocery shopping can likely get you there faster than gas guzzling.<\/p>\n5. Credit card: Blue Cash Everyday\u00ae Card from American Express<\/h2>\n
![\"\"](\"https:\/\/engineinforapid.com\/wp-content\/uploads\/2025\/03\/Blue-Cash-Everyday-American-Express-1-300x190.png\")
\nRating:<\/strong> 4.5 \/ 5\u00a0 \u00a0 \u00a0 \u00a0 Annual fee:<\/strong> $0
\nRewards rate:<\/strong> 1%-3% (3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 3% Cash Back at U.S. gas stations, 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year in purchases per category (then 1%), 1% Cash Back on other purchases)
\nIntro offer: $200 (Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months)
\nRewards Breakdown:<\/strong>
\n3% cash back at U.S. supermarkets (up to $6,000 per year, then 1%)
\n3% cash back at U.S. gas stations (up to $6,000 per year, then 1%)
\n3% cash back on U.S. online retail purchases (up to $6,000 per year, then 1%)
\n1% cash back on all other purchases
\nCard details:<\/strong>
\nEarn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
\nNo Annual Fee.
\nEnjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.24% to 29.24% variable APR.
\n3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
\n3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
\n3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
\nCash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
\nThinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7\/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday\u00ae Card. Enrollment required.
\nPros:<\/strong> The card earns 3% cash back on up to $6,000 spent per year in each of three categories: U.S. gas stations, U.S. supermarkets and U.S. online retail purchases. Other spending earns 1% cash back. There’s a great 0% intro APR period and a strong welcome offer, among other benefits. And the annual fee is an unbeatable $0. Terms apply.
\nCons:<\/strong> Although $6,000 is a lot to spend on gas in a year, people who really rack up the miles might bump up against the cap on bonus rewards. Note that this card’s annual-fee cousin, the Blue Cash Preferred\u00ae Card from American Express, has no such limit.<\/p>\n6. Credit card: Bank of America\u00ae Customized Cash Rewards credit card<\/h2>\n
![\"\"](\"https:\/\/engineinforapid.com\/wp-content\/uploads\/2025\/03\/Bank-of-America-3.jpg\")
\nRating:<\/strong> 4.2 \/ 5\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 Annual fee:<\/strong> $0
\nRewards rate:<\/strong> 1%-3% (3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs on the first $2,500 in combined choice category\/grocery store\/wholesale club purchases each quarter, then 1%, 1% cash back on all other purchases)
\nIntro offer:<\/strong> $200 ($200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening)
\nRewards Breakdown:<\/strong>
\n3% cash back in a category of your choice (options include gas, EV charging stations, online shopping, dining, travel, drugstores, or home improvement\/furnishings)
\n2% cash back at grocery stores and wholesale clubs
\n1% cash back on all other purchases
\n(3% and 2% categories capped at $2,500 in combined quarterly spending, then 1%)
\nCard details:<\/strong>
\n$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
\nEarn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category\/grocery store\/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
\nChoose 3% cash back on gas and EV charging station, online shopping\/cable\/internet\/phone plan\/streaming, dining, travel, drug store\/pharmacy or home improvement\/furnishings purchases.
\nIf you’re a Bank of America Preferred Rewards\u00ae member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
\nPros:<\/strong> You earn 3% cash back on your chosen spending category, which can be gas, and 2% at grocery stores and wholesale clubs for the first $2,500 in combined spending each quarter. Earn 1% cash back on other purchases. (Other 3% choices: online shopping, dining, travel, drugstores or home improvement and furniture stores. You can update your choice category once each calendar month.) If you’re a Bank of America Preferred Rewards\u00ae member, you can get bonuses of 25% to 75% of the rewards you earn.
\nCons:<\/strong> The spending cap on the 3% and 2% rewards can be complicated to manage and might be too low for larger households. Earning more than 3% back on purchases requires a high loyalty to Bank of America\u00ae.<\/p>\n7. Credit card: Costco Anywhere Visa\u00ae Card by Citi<\/h2>\n
![\"\"](\"https:\/\/engineinforapid.com\/wp-content\/uploads\/2025\/03\/Costco-Anywhere-Visa-300x189.jpg\")
\nRating:<\/strong> 4.0 \/ 5\u00a0 \u00a0 \u00a0 \u00a0Annual fee:<\/strong> $0 (Costco membership required)
\nRewards rate:<\/strong> 1%-5% (5% cash back on gas at Costco and 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter; 3% cash back on restaurants and eligible travel purchases; 2% cash back on all other purchases from Costco and Costco.com; 1% cash back on all other purchases)
\nIntro offer: None
\nRewards Breakdown:<\/strong>
\n5% cash back on gas at Costco and 4% cash back on other eligible gas and electric vehicle (EV) charging purchases (up to $7,000 per year combined, then 1%)
\n3% cash back on restaurants and eligible travel purchases
\n2% cash back on all other purchases from Costco and Costco.com
\n1% cash back on all other purchases
\nCard details:<\/strong>
\nDiscover one of Citi’s best cash back rewards cards designed exclusively for Costco members
\nEarn 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter.
\n3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel
\n2% cash back on all other purchases from Costco and Costco.com
\n1% cash back on all other purchases
\nNo annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
\nReceive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
\nPros:<\/strong>\u00a0 The Costco Anywhere Visa\u00ae Card by Citi earns an excellent 5% cash back at Costco gas stations and a generous 4% on other gas and EV stations, on up to $7,000 in combined spending a year (then 1% back). This $0-annual-fee card also offers 3% back at restaurants.
\nCons:<\/strong>\u00a0 You’ll have to buy your gas at Costco if you want the highest rewards rate, and if you hit that combined annual spending cap, you’ll earn only 1% back on gas for the rest of the year. Plus, to get this card, you need a Costco membership, which costs at least $65 a year. Rewards redemption, too, isn’t very straightforward.<\/p>\n8. Credit card: Sam\u2019s Club\u00ae Mastercard\u00ae<\/h2>\n
![\"\"](\"https:\/\/engineinforapid.com\/wp-content\/uploads\/2025\/03\/Sams-Club.jpg\")
\nRating:<\/strong> 4.0 \/ 5\u00a0 \u00a0 \u00a0Annual fee:<\/strong> $0 (Sam\u2019s Club membership required)
\nRewards rate:<\/strong> 1%-5% (5% cash back on gas anywhere Mastercard is accepted on the first $6,000 per year then 1%, 3% cash back on Sam\u2019s Club dining and travel purchases, 1% cash back on all other purchases)
\nIntro offer: None
\nRewards Breakdown:<\/strong>
\n5% cash back on gas anywhere Mastercard is accepted (up to $6,000 per year, then 1%)
\n3% cash back on Sam\u2019s Club dining and travel purchases
\n1% cash back on all other purchases
\nCard details:<\/strong>
\nEarn 5% back in Sam\u2019s Cash on gas and electric vehicle charging stations anywhere Mastercard is accepted (on first $6,000 per year, then 1%).
\nEarn 3% back in Sam\u2019s Cash on Sam\u2019s Club purchases for Plus members. Club members earn 1% cash back.
\nEarn 3% back in Sam\u2019s Cash on dining and takeout.
\nEarn 1% back in Sam\u2019s Cash on other purchases.
\nAccepted at Sam\u2019s Club and Walmart\u00ae nationwide.
\nNo annual fee.
\nDoubles as your membership card.
\nPros:<\/strong> You earn 5% cash back at EV charging stations and eligible gas stations worldwide (not just stations at Sam’s); 3% at restaurants; and 1% on other purchases. Those with a “Plus” membership can also earn up to 5% on purchases at Sam’s Club (2% from your membership and 3% from the card).
\nCons:<\/strong> Rewards are capped at $5,000 a year. The card has no annual fee, but you need a Sam’s Club membership, which costs $50-$110 a year. And baseline (non-Plus) Sam’s Club members earn only 1% on purchases at the store itself.<\/p>\n9. Credit card: Chase Freedom Flex\u00ae<\/h2>\n
![\"\"](\"https:\/\/engineinforapid.com\/wp-content\/uploads\/2025\/03\/Chase-Freedom-Unlimited.png\")
\nRating:<\/strong> 4.5 \/ 5\u00a0 \u00a0 \u00a0 \u00a0Annual fee:<\/strong> $0
\nRewards rate:<\/strong> 1%-5% (5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Plus, earn 5% cash back on travel purchased through Chase Travel\u2120, 3% cash back on dining at restaurants, 3% cash back on drugstore purchases, and 1% cash back on all other purchases)
\nIntro offer: $200 (Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening)
\nRewards Breakdown:<\/strong>
\n5% cash back on up to $1,500 in combined purchases in bonus categories each quarter (requires activation)
\n5% cash back on travel purchased through Chase Travel\u2120
\n3% cash back on dining at restaurants
\n3% cash back on drugstore purchases
\n1% cash back on all other purchases
\nCard details:<\/strong>
\nEarn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
\n5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
\n5% cash back on travel purchased through Chase Travel\u2120, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
\n3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
\nNo minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
\n0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.49%-28.24%.
\nNo annual fee \u2013 You won’t have to pay an annual fee for all the great features that come with your Freedom Flex\u00ae card
\nKeep tabs on your credit health – Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
\nPros:<\/strong> You earn 5% back on rotating bonus categories that you activate, on up to $1,500 in spending per quarter. Gas is usually among the 5% categories one or two quarters per year. This card also earns 5% cash back on travel booked through Chase, 3% back at restaurants and drugstores, and 1% on everything else. There’s a terrific offer for new cardholders, too.
\nCons:<\/strong> The card is great for bonus-category spending but earns a low 1% back outside those categories. You have to keep track of the 5% categories and activate them each quarter, which some consider a hassle.<\/p>\n10. Credit card: PenFed Platinum Rewards Visa Signature\u00ae Card<\/h2>\n
![\"\"](\"https:\/\/engineinforapid.com\/wp-content\/uploads\/2025\/03\/PenFed-Platinum-Rewards.jpg\")
\nRating:<\/strong> 4.5 \/ 5\u00a0 \u00a0 \u00a0 \u00a0 Annual fee:<\/strong> $0
\nRewards rate:<\/strong> 1x-5x (5X points on gas paid at the pump and EV charging stations, 3X points on supermarket purchases, dining, and most streaming services, 1X points on all other purchases)
\nIntro offer: 15,000 points (15,000 bonus points after spending $1,500 within 90 days of account opening)
\nRewards Breakdown:<\/strong>
\n5X points on gas paid at the pump and EV charging stations
\n3X points on supermarket purchases, dining, and most streaming services
\n1X points on all other purchases
\nCard details:<\/strong>
\nGet Rewarded on Everyday Purchases.
\n5x Points on gas paid at the pump and EV charging stations.
\n3x Points at the supermarket (including most Target and Walmart locations), restaurants, and TV, radio, cable, streaming services.
\n1x Points on all other purchases.
\n15,000 Bonus Points when you spend $1,500 in first 90 days.
\nAnnual Fee: $0
\nPurchase Variable APR: 17.99%
\nPros:<\/strong> If you\u2019re willing to endure a little hassle in joining this credit union and using its points, it\u2019s hard to beat the return in points on the PenFed Platinum Rewards Visa Signature\u00ae Card, which has an annual fee of $0. Each $1 spent on gas earns the equivalent of 4.25 cents when redeemed for gift cards, which is a superb return. It also helps at the supermarket. The card is also our only choice that isn\u2019t issued by a megabank, if that appeals to you.
\nCons:<\/strong> To apply, you need to become a member of Pentagon Federal Credit Union, an organization that caters to military and government employees. Everyone is eligible to join. There is no cash-back option; just merchandise, gift cards and travel. Also, points aren\u2019t worth the traditional penny per point. You’ll typically get a value of 0.85 cents each, although they can be worth more than a penny when used for travel. Finally, gas rewards are for pay-at-the-pump purchases only, so snacks, wiper fluid and car washes bought at the service station checkout counter won\u2019t count for bonus rewards.<\/p>\n\n