Based on our research, the following credit cards may give you instant approval (instant approval is never guaranteed), and in some cases you’ll be able to use that gas credit card today. Note that we are including credit cards from specific gas stations as well as general bank credit cards that offer an enhanced reward on gas purchases:

Blue Cash Preferred® Card from American Express Offers 3% cash back at U.S. gas stations, 6% cash back on up to $6,000 per year in purchases at U.S. supermarkets, 6% cash back on select U.S. streaming subscriptions, 3% cash back on transit purchases, 1% cash back on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. NEW CARDHOLDER WELCOME BONUS OPPORTUNITY: Earn a $350 statement credit after you spend $3,000 in purchases within the first 6 months. Annual fee: $95. See Rates & Fees. Terms Apply. American Express is a ProudMoney advertiser.


Chase Freedom Flex℠ – This is NOT strictly a gas credit card by any means, but it is worth mentioning because for at least one calendar quarter (three months) of each year in the recent past, this card has offered 5% cash back on gas station purchases (excluding big box stores that sell gas, like Walmart and other warehouse clubs) as part of its rotating calendar of 5% reward offerings. (We can’t say for sure that gas stations will continue to be a 5% category, though.) How The 5% Calendar Works: You earn 5% on up to $1,500 in combined purchases in bonus categories each quarter you activate. In addition, you’ll earn 5% on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants, including takeout and eligible delivery services, 3% on drugstore purchases, 1% on all other purchases. NEW CARDHOLDER BONUS OPPORTUNITY: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

  • Sam’s Club Mastercard – You’ll have to be a Sam’s Club member to get this card, but if you are, you’ll get 5% “Sam’s Cash” cash back on your gas purchases (on the first $6000 in yearly gas purchases, 1% rebate if beyond that). You’ll also get 3% on dining, 3-5% inside Sam’s stores (depending on your membership level), and 1% everywhere else.
  • Bank of the West Cash Back World Credit Card – Earn 3% cash back on gas as well as 3% on grocery and dining purchases, 1% everywhere else. Note that the 3% back on gas purchases is capped at $1500 of gas purchases per calendar quarter. (After $1500 in gas purchases, further purchases would earn 1%.) The card’s application includes this message: “Apply today and you may receive a decision in as little as 60 seconds.” Only available in states that Bank of the West serves for regular banking.
  • BP Credit Card – BP gas stations offer a BP Visa or BP-only credit card that you can use to get BP gas rebates and, in the case of the BP Visa, 3% cash back on groceries and 1% cash back on anything else. Instant approval is possible though not guaranteed.
  • Citgo Credit Card – “You may receive an instant response” when you apply for this gas station credit card that allows you to earn 10¢ on every gallon in fuel statement credits for the first 3 months, and 5¢ on every gallon in fuel statement credits after the first 3 months at any CITGO location.

Author: Adam Jusko