The 4 Best Gas Credit Cards for Bad Credit

Everyone who drives a gasoline-powered car has to buy fuel, and gas credit cards can help you earn rewards for those necessary purchases.

Having a bad credit history will limit your access to many gas credit cards, but there are options available for those with low credit scores.

Below, we list the best gas credit cards for those with bad credit. To get this information, we viewed the terms and conditions for these cards online and spoke with customer service representatives to confirm the details.

What We Recommend

We’ve put the American Express Blue Cash Preferred card at the top of the list; it has strong rewards incentives and 0% APR for the first 12 months.

However, it may be more difficult to get than some of the other cards on the list. Customer service representatives were unable to give us a credit range for the card, but reviewers report being accepted with credit scores in the mid-600s or higher.

For a higher approval chance, consider the Credit One Bank Platinum Visa card, which has a minimum credit score of just 300.

We’ve also included two secured credit cards on our list, which require a deposit to get a credit line but tend to offer easier approval than unsecured cards. Over time, you can qualify to upgrade to an unsecured card and get your deposit back.

Comparison Table

You can use the table below to compare the following gas credit cards by APR and fees, rewards, and credit range.

Select a card name or scroll down to our list to see more details on each card. You can also sort the table by tapping the arrows at the top of each column.

The List

In comparing these cards, we considered the rewards they offer, the credit range required, and the APR and fees associated with each card.

Our list begins with the overall best gas credit card options for bad credit.

American Express Blue Cash Preferred Card

• Credit range: Varies; approval depends on several factors, not only credit score.^[1] Customer reviewers report being approved with credit scores in the mid-600s or higher.
• Rewards: 3% cash back at U.S. gas stations plus other cashback rewards^[2]
• APR and fees:
  • 0% introductory APR for the first 12 months, then between 14% and 24%^[3]
  • No annual fee for the first year, then $95^[3]
  • Late and returned payment fees up to $40^[3]
• Find out more

Credit One Bank Platinum Visa for Rebuilding Credit

• Credit range: 300 and above^[4]
• Rewards: 1% cash back on gas and other eligible purchases^[5]
• APR and fees:
  • APR around 24%^[6]
  • Annual fee of $75 the first year, then $99^[6]
  • Late and returned payment fees up to $39^[6]
• Find out more

Discover it Secured Card

• Credit range: No set minimum; Discover will consider all of your application details when you apply.^[7]
• Rewards: 2% cash back at gas stations and restaurants for up to $1,000 in purchases each quarter^[8]
• APR and fees:
  • Minimum security deposit of $200^[8]
  • APR around 23%^[8]
  • No annual fee^[8]
  • Late and returned payment fees up to $40^[8]
• Find out more

Bank of America Cash Back Secured Credit Card

• Credit range: No set minimum; Bank of America will consider several factors, including your credit history, income, and ability to pay.^[9]
• Rewards: 3% cash back in the category of your choice (including gas and other options such as online shopping); 2% cash back at grocery stores; 1% cash back on all other purchases^[10]
• APR and fees:
  • Minimum security deposit of $300^[10]
  • APR around 24%^[10]
  • No annual fee^[10]
  • Late fees up to $40^[11]
• Find out more