The 4 Best Gas Credit Cards for Bad Credit

Everyone who drives a 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’ve listed 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.

We’ve Done the Comparing for You — Here’s 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 strong option with a higher approval chance, we recommend 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. For example, a $200 credit line requires a $200 deposit. Over time you can qualify to upgrade to an unsecured card and get your deposit back.

Comparison Table: Gas Credit Cards for Bad Credit

You can use the table below to compare the following gas credit cards by APR and fees, rewards, and credit range. Click each card name or scroll down to our list to see more details on each card. You can sort the table by clicking the arrows at the top of each column.

Credit Card Credit Range Rewards APR and Fees
American Express Blue Cash Preferred Card 650 and above 3% cash back at gas stations 12.99% to 23.99% APR; $95 annual fee
Credit One Bank Platinum Visa Card 300 and above 1% cash back at gas stations 17.99% to 23.99% APR; $0 to $99 annual fee
Discover it Secured Card Varies; no minimum 2% cash back at gas stations 22.99% APR; no annual fee
Bank of America Cash Back Secured Credit Card Varies 3% cash back in category of choice (including gas stations) 23.99% APR; no annual fee

The List of Gas Credit Cards for Bad Credit

Below we’ve listed a few of the best gas credit cards for bad credit, beginning with the best options. In comparing these cards, we considered the rewards they offer, the credit range required, and the APR and fees associated with each card.

American Express Blue Cash Preferred Card

  • Credit range: Varies; approval depends on several factors, not only credit score. 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
  • APR and fees: 0% introductory APR for the first 12 months; then 12.99% to 23.99% APR; annual fee $95
  • Find out more

Credit One Bank Platinum Visa Card

  • Credit range: 300 and above
  • Rewards: 1% cash back on gas and other eligible purchases
  • APR and fees: 17.99% to 23.99% APR; $0 to $99 annual fee
  • Find out more

Discover it Secured Card

  • Credit range: No minimum, but corporate customer service representatives were unable to provide us with a recommended range.
  • Rewards: 2% cash back at gas stations and restaurants for up to $1,000 in purchases each quarter
  • APR and fees: 22.99% standard variable purchase APR; no annual fee
  • Find out more

Bank of America Cash Back Secured Credit Card

  • Credit range: The corporate customer service department was unable to give us a range, but in general secured cards are easier to get than other credit cards.
  • Rewards: 3% cash back in the category of your choice (including gas and other options such as online travel); 2% cash back at grocery stores; 1% cash back on all other purchases
  • APR and fees: 23.99% standard variable APR; no annual fee
  • Find out more

For more cards to consider, see our list of the 13 best credit cards for bad credit.