Best Credit Cards for Gas and EV Charging 2026: Up to 5% Back

Gas prices fluctuate, but your credit card rewards shouldn't. Whether you're filling up at the pump or plugging in at a ChargePoint station, the right card can earn you 3-5% back on every transaction.

The catch: not all "gas" cards treat EV charging the same way. Some explicitly include it. Others leave you earning 1% while you thought you were getting 5%.

Here's how to maximize your fuel rewards in 2026—regardless of what powers your vehicle.

See which gas/EV card wins for your driving habits →

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Best Gas & EV Cards 2026: Quick Picks

Card	Gas/EV Earn	Annual Fee	Cap	Best For
Costco Anywhere Visa	5% Costco Gas / 4% other	$0*	$7,000/yr combined	Costco members
Citi Custom Cash	5% (if top category)	$0	$500/month	Moderate gas spend
Citi Strata Premier	3x gas + EV	$95	None	EV drivers wanting points
BofA Customized Cash	3%→5.25%	$0	$2,500/quarter	BofA Preferred Rewards members
Wells Fargo Autograph	3x gas	$0	None	No-fee simplicity
U.S. Bank Altitude Go	2x gas + EV	$0	None	Pairs well with dining

*Requires active Costco membership

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Best for Costco Members: Costco Anywhere Visa

Earn rate: 5% at Costco Gas, 4% at other gas stations + EV charging Annual fee: $0 (with Costco membership) Cap: $7,000/year combined, then 1%

If you're a Costco member, the Costco Anywhere Visa is the obvious choice for fuel. You'll earn 5% back at Costco Gas stations—already among the cheapest gas in most areas—and 4% at all other gas stations and EV charging.

The math:

Assume you spend $200/month on gas:

• At Costco Gas: $200 × 5% × 12 = $120/year
• At other stations: $200 × 4% × 12 = $96/year

The $7,000 annual cap means you can spend up to $583/month before hitting the limit. Most households won't reach it.

EV charging note: The card explicitly includes EV charging stations in the 4% category. Costco Gas earns 5% because it's coded as a Costco purchase.

Best for: Costco members who fuel up at Costco Gas regularly.

See how Costco Visa fits your wallet →

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Best for Moderate Spend: Citi Custom Cash

Earn rate: 5% on your top category (Gas Stations is eligible) Annual fee: $0 Cap: $500/month, then 1%

The Citi Custom Cash automatically earns 5% on whichever eligible category you spend the most in each billing cycle. Gas Stations is one of the eligible categories.

The math:

If you use this card only for gas and spend $500/month or less:

• $300/month × 5% × 12 = $180/year

That's a 5% return with no annual fee. The card figures out your top category automatically—no activation required.

The catch: The 5% rate only applies to $500/month. If you spend more, consider the Costco Visa (4-5% on up to $583/month) or stack multiple cards.

Best for: Drivers spending under $500/month on gas who want maximum cash back.

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Best for EV Drivers: Citi Strata Premier

Earn rate: 3x points at Gas and EV Charging Stations Annual fee: $95 Cap: None

The Citi Strata Premier explicitly calls out EV charging stations in its bonus categories—no guessing whether your ChargePoint or Electrify America transaction will code correctly.

The math:

If you value Citi ThankYou points at 1.5 cents each (reasonable for travel transfers):

• $200/month charging × 3x × 1.5cpp = $108/year in value

The card also earns 3x on restaurants, flights, and hotels, making it a solid all-around travel card.

Best for: EV drivers who want points for travel and certainty that charging will code correctly.

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Best for BofA Customers: Customized Cash Rewards

Earn rate: 3% on Gas & EV Charging Stations (choice category) Annual fee: $0 Cap: $2,500/quarter combined across choice + grocery categories

The Bank of America Customized Cash Rewards lets you select Gas & EV Charging Stations as your 3% category. But the real power comes from Preferred Rewards.

The math with Preferred Rewards:

Tier	Balance Required	Gas/EV Earn Rate
Gold	$20k+	3.75%
Platinum	$50k+	4.125%
Platinum Honors	$100k+	5.25%

At Platinum Honors, you're earning 5.25% cash back on gas and EV charging—the highest flat rate available—with a $2,500/quarter cap.

EV note: Bank of America explicitly includes "EV Charging Stations" in the Gas category definition, so your Tesla Supercharger and ChargePoint transactions should code correctly.

Best for: BofA/Merrill customers who want market-leading gas/EV rates without annual fees.

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Best No-Fee All-Rounder: Wells Fargo Autograph

Earn rate: 3x points at Gas Stations Annual fee: $0 Cap: None

The Wells Fargo Autograph earns 3x on gas stations with no annual fee and no spending caps. It also covers restaurants, travel, streaming, transit, and phone plans at 3x.

The math:

• $200/month gas × 3x × 1cpp = $72/year

Not the highest rate, but with no caps or fees, it's a reliable choice for people who don't want to think about quarterly limits.

EV note: Wells Fargo's category language mentions "gas stations" but doesn't explicitly call out EV charging. Your mileage may vary depending on how the charging network codes.

Best for: People who want broad category coverage without tracking caps or paying fees.

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Best Pairing Card: U.S. Bank Altitude Go

Earn rate: 2x at Gas Stations and EV Charging Stations Annual fee: $0 Cap: None

The U.S. Bank Altitude Go earns 2x on gas and EV charging—not the highest rate, but it explicitly includes both. More importantly, it earns 4x on dining, making it an excellent two-category card.

Best for: People who want a single no-fee card covering both dining (4x) and gas (2x).

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The EV Charging Coding Problem

Here's something most card reviews won't tell you: EV charging transactions don't always code as "gas stations."

The merchant category code (MCC) depends on how the charging network set up their payment processing:

Usually codes correctly:

• Tesla Superchargers
• ChargePoint (standalone stations)
• Electrify America
• EVgo

Sometimes codes incorrectly:

• Charging billed through parking garages (may code as "parking")
• Hotel charging (may code as "lodging")
• Apartment complex charging (may code as "utilities" or "rent")
• Workplace charging (may code as employer's category)

Pro tip: If you're unsure, make a small test charge and check your statement. The category will show whether you earned bonus rewards or the base rate.

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Costco Gas: A Special Case

Costco Gas is unique because it codes as a Costco purchase, not a generic gas station. This means:

• Costco Anywhere Visa: Earns 5% (as a Costco purchase)
• Other "gas" cards: Usually earn 1% (doesn't code as gas station MCC)

If you fill up exclusively at Costco Gas, the Costco Visa is your only option for bonus rewards. Other gas cards won't help you there.

However, if you use a mix of Costco Gas and regular stations, consider:

1. Costco Visa for Costco Gas (5%) and other stations (4%)
2. Robinhood Gold for everything including Costco Gas (3% flat)

The Robinhood strategy gives up 2% at Costco Gas but simplifies your wallet to one card.

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The Bottom Line: Which Gas/EV Card Should You Get?

If you...	Get this card
Shop at Costco regularly	Costco Anywhere Visa
Spend ≤$500/month on gas	Citi Custom Cash
Drive an EV and want points	Citi Strata Premier
Have $100k+ at BofA/Merrill	BofA Customized Cash
Want no fees or caps	Wells Fargo Autograph
Want dining + gas covered	U.S. Bank Altitude Go

Not sure which fits? Run your numbers through the optimizer →

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Frequently Asked Questions

Does Tesla Supercharger count as gas for credit card rewards?

It depends on the card. Cards that explicitly mention "EV charging stations" (Costco Visa, BofA Customized Cash, Citi Strata Premier, U.S. Bank Altitude Go) will typically code Tesla Supercharger transactions correctly. Cards that only say "gas stations" may not.

Does ChargePoint count as gas?

Usually yes, if the card includes EV charging. ChargePoint standalone stations typically code as automotive fuel—which triggers gas bonuses on most cards. However, ChargePoint units in parking garages may code as parking instead.

Is Costco Gas coded as a gas station on other cards?

No. Costco Gas codes as a Costco/warehouse purchase, not a gas station. Only the Costco Anywhere Visa earns bonus rewards at Costco Gas (5%). Other gas cards will earn their base rate (usually 1%).

What's the best gas card with no annual fee?

For most people, the Citi Custom Cash (5% up to $500/month) or Costco Anywhere Visa (5% Costco Gas, 4% other) offer the highest no-fee rates. If you're a BofA Platinum Honors member, the Customized Cash Rewards earns 5.25% with no fee.

Do gas cards work at Costco gas stations?

Only the Costco Anywhere Visa earns bonus rewards at Costco Gas. Other gas-focused cards will earn their base rate because Costco Gas doesn't code as a standard gas station MCC.