Best Cashback Cards

Find the highest-earning no-annual-fee cash back card for every spending category. Select a category below to see the top cards ranked by cashback rate.

Gas Stations

No annual fee cards with over 3% cash back at gas stations. Rates vary based on spend caps and bank relationship tiers.

Bank of America Customized Cash

Visa

Up to 5.25% cash back on gas (selected category) with $100K+ in BoA/Merrill deposits via Preferred Rewards. Base rate is 3% on up to $2,500/quarter.

$200

Annual Fee: $0

Cap: $2,500/quarterEligibility: Open (req. $100K for 5.25%)

Up to 5.25% gasPreferred Rewards tiersAlso 2% groceriesNo annual fee

Abound CU Visa Platinum

Visa

5% cash back on gas with no spending cap. A standout credit union card for heavy gas spenders.

Annual Fee: $0

Cap: No capEligibility: Open ($15 to join)

5% gas (no cap)No annual feeCredit union ratesOpen membership

AAA Travel Advantage (Bread/Comenity)

Visa

5% on gas and EV charging (up to $7,000/yr combined cap). Also earns 3% on restaurants, supermarkets, and travel.

$100

Annual Fee: $0

Cap: $7,000/yearEligibility: Open (AAA membership not required)

5% gas & EV3% dining & groceriesNo annual feeAAA not required

Citi Custom Cash

Mastercard

5% on gas if it's your top spend category each billing cycle (up to $500/month). Auto-adapts monthly to your highest category.

$200

Annual Fee: $0

Cap: $500/monthEligibility: Open

5% auto-adaptingNo annual fee0% intro APROpen to all

Sam's Club Mastercard (Synchrony)

Mastercard

5% on gas (up to $6,000/yr) and 5% on EV charging. Also earns 3% on dining. Requires Sam's Club membership.

$30

Annual Fee: $0

Cap: $6,000/yearEligibility: Sam's Club ($50+/yr)

5% gas5% EV charging3% dining3% Sam's Club (Plus)

Kroger-branded Cards (U.S. Bank)

Mastercard

5% on up to $3,000/yr spent via mobile wallet (Apple Pay, Google Pay, Samsung Pay) at any merchant including gas. Some also earn 3% on gas and restaurants.

$100

Annual Fee: $0

Cap: $3,000/year (mobile wallet)Eligibility: Open (req. mobile wallet)

5% via mobile wallet3% gas & diningNo annual feeWorks anywhere

USAA Cashback Rewards Plus

Amex

5% on gas (up to $3,000/yr combined cap). Also earns 5% on military base purchases and 2% at supermarkets. Military/USAA members only.

Annual Fee: $0

Cap: $3,000/yearEligibility: USAA members only

5% gas5% military base2% groceriesNo foreign txn fees

Truist Enjoy Cash

Visa

Up to 4.5% on gas (with $100K+ Truist deposits) on up to $1,000/month. Base rate is 3% with a Truist checking account. Available in 15 states + D.C.

Annual Fee: $0

Cap: $1,000/monthEligibility: 15 states + D.C. (req. Truist relationship)

Up to 4.5% gas2-3% groceries & utilitiesLoyalty tiersNo annual fee

PenFed Platinum Rewards

Visa

5 points/dollar on gas and EV charging (equivalent to ~4.25% cash back at 0.85 cents/point). Also earns 2.55% at supermarkets, restaurants, and streaming.

$127.50 (15K pts)

Annual Fee: $0

Cap: No capEligibility: Open ($5 deposit)

~4.25% gas (no cap)2.55% groceries & diningNo annual feeNo foreign txn fees

#10

Verizon Visa (Synchrony)

Visa

4% on gas (no cap). Also earns 4% at supermarkets, restaurants, and Verizon. Requires Verizon Wireless/Fios postpaid account. Rewards redeemable toward Verizon only.

$100

Annual Fee: $0

Cap: No capEligibility: Verizon Wireless/Fios

4% gas (no cap)4% groceries & dining4% VerizonNo annual fee

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