Purchase optimizer
Find the best card for a purchase
Browse catalog rules for a category. Program currencies and eligibility differ, so these are not ranked by dollar value. Matching wallet cards are highlighted in your browser.
Cards with listed category rules
Why these cards appear
53 published cards match Gas, the personal and business card filter, and the selected annual-fee limit.
- Results are alphabetical—not a dollar-value ranking.
- The $500 monthly-spend estimate is context only because different reward currencies cannot be compared safely without a value assumption.
- Cards without a reviewed matching rule are omitted, not treated as earning zero.
Listed rates may require a particular hotel brand, booking portal, merchant or enrollment. A larger number is not necessarily a better return. Legacy reward currencies still need review; no automatic dollar ranking is shown.
Calculate value using your reward currency and assumptions →
Chase
Amazon Visa
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
Citi
AT&T Points Plus Card from Citi
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
Bank of America
Atmos Rewards Ascent Visa Signature Credit Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $95
Purchase channel and brand restrictions: confirm with issuer.
Published base rate; category definitions, relationship bonuses, caps, and merchant coding may change the return.
American Express
Blue Cash Everyday Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Spend cap: $6,000 per annual.
Rates and eligibility are subject to issuer terms and merchant coding.
American Express
Blue Cash Preferred Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $95
Purchase channel and brand restrictions: confirm with issuer.
Rates and eligibility are subject to issuer terms and merchant coding.
BMO
BMO Cash Back Credit Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Spend cap: $1,500 per quarterly.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
BMO
BMO Platinum Rewards Credit Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Spend cap: $1,500 per quarterly.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
BMO
BMO Premium Rewards Credit Card
4.00 listed rate · reward currency requires confirmation
Annual fee: $95
Purchase channel and brand restrictions: confirm with issuer.
Spend cap: $2,000 per quarterly.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
Imprint / First Electronic Bank
Booking.com Genius Rewards Visa Signature Credit Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate; program currency, redemption restrictions, merchant coding, exclusions, and caps can affect realized value.
Wells Fargo
Choice Privileges Mastercard
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate; program currency, redemption restrictions, merchant coding, exclusions, and caps can affect realized value.
Wells Fargo
Choice Privileges Select Mastercard
5.00 listed rate · reward currency requires confirmation
Annual fee: $95
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate; program currency, redemption restrictions, merchant coding, exclusions, and caps can affect realized value.
Citi
Citi AAdvantage Platinum Select World Elite Mastercard
2.00 listed rate · reward currency requires confirmation
Annual fee: $99
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
Citi
Citi Strata Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Citi Travel and selectable-category terms apply. Merchant coding, account eligibility and issuer terms apply.
Citi
Citi Strata Premier Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $95
Purchase channel and brand restrictions: confirm with issuer.
Rates and eligibility are subject to issuer terms and merchant coding.
Citi
Costco Anywhere Visa Business Card by Citi
5.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
Citi
Dillard’s Mastercard
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Eligible gas-station purchases.
Synchrony
eBay Mastercard
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Eligible gas purchases.
American Express
Hilton Honors American Express Card
5.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Eligible U.S. gas station purchases.
American Express
Hilton Honors American Express Surpass Card
6.00 listed rate · reward currency requires confirmation
Annual fee: $150
Purchase channel and brand restrictions: confirm with issuer.
Eligible U.S. gas station purchases.
Chase
IHG One Rewards Premier Business Credit Card
5.00 listed rate · reward currency requires confirmation
Annual fee: $99
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
Chase
IHG One Rewards Premier Credit Card
5.00 listed rate · reward currency requires confirmation
Annual fee: $99
Purchase channel and brand restrictions: confirm with issuer.
Earns 5 points per $1 at gas stations.
Chase
IHG One Rewards Traveler Credit Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
Chase
Ink Business Cash Credit Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Spend cap: $25,000 per annual.
Rates and eligibility are subject to issuer terms and merchant coding.
Chase
Instacart Mastercard
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
Langley Credit Union
Langley Signature Cash Back Visa
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Eligible gas purchases.
Chase
Marriott Bonvoy Boundless Credit Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $95
Purchase channel and brand restrictions: confirm with issuer.
Spend cap: $6,000 per annual.
Shares a $6,000 combined annual cap with grocery and dining purchases; then 2 points.
American Express
Marriott Bonvoy Business American Express Card
4.00 listed rate · reward currency requires confirmation
Annual fee: $125
Purchase channel and brand restrictions: confirm with issuer.
Eligible U.S. gas-station purchases.
FNBO
MGM Rewards Iconic World Elite Mastercard
2.00 listed rate · reward currency requires confirmation
Annual fee: $249
Purchase channel and brand restrictions: confirm with issuer.
Published points per dollar on eligible purchases; redemption value, merchant coding, exclusions, and program terms affect realized value.
FNBO
MGM Rewards World Elite Mastercard
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Published points per dollar on eligible purchases; redemption value, merchant coding, exclusions, and program terms affect realized value.
Citi
My Best Buy Visa Card (annual fee varies: $0–$59)
3.00 listed rate · reward currency requires confirmation
Annual fee: $59
Purchase channel and brand restrictions: confirm with issuer.
Eligible gas purchases.
Navy Federal Credit Union
Navy Federal More Rewards American Express
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Eligible gas purchases.
Wells Fargo
One Key+ Mastercard
2.00 listed rate · reward currency requires confirmation
Annual fee: $99
Purchase channel and brand restrictions: confirm with issuer.
Eligible gas purchases.
PenFed Credit Union
PenFed Platinum Rewards Visa Signature Card
5.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
PNC
PNC Cash Rewards Visa
4.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Gas-station purchases; combined annual category cap applies.
Chase
Prime Visa
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Earns 2% at gas stations; merchant coding and exclusions apply.
Bank of America
Royal Caribbean Royal ONE Plus Visa Infinite
2.00 listed rate · reward currency requires confirmation
Annual fee: $99
Purchase channel and brand restrictions: confirm with issuer.
Eligible gas and EV charging purchases.
Bank of America
Royal Caribbean Royal ONE Visa Signature
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Eligible gas and EV charging purchases.
Synchrony
Sam’s Club Mastercard
5.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Eligible gas and EV charging purchases, subject to annual cap and exclusions.
Imprint / First Electronic Bank
Shell Performance Elite World Mastercard
4.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate; program currency, redemption restrictions, merchant coding, exclusions, and caps can affect realized value.
Chase
Southwest Rapid Rewards Performance Business Credit Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $299
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
Chase
Southwest Rapid Rewards Plus Credit Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $99
Purchase channel and brand restrictions: confirm with issuer.
Spend cap: $5,000 per annual.
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
Chase
Southwest Rapid Rewards Premier Business Credit Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $149
Purchase channel and brand restrictions: confirm with issuer.
Spend cap: $8,000 per annual.
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
Chase
Southwest Rapid Rewards Priority Credit Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $229
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
TD Bank
Target Mastercard
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published durable earning rate; redemption rules, exclusions, merchant coding, and account requirements apply.
U.S. Bank
U.S. Bank Altitude Go Visa Signature Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
Chase
United Business Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $150
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
Chase
United Gateway Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
FNBO
Universal Rewards Plus Visa Signature Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $99
Purchase channel and brand restrictions: confirm with issuer.
Published points per dollar on eligible purchases; redemption value, merchant coding, exclusions, and program terms affect realized value.
Synchrony
Verizon Visa Card
4.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Rates and eligibility are subject to issuer terms and merchant coding.
Wells Fargo
Wells Fargo Autograph Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Rates and eligibility are subject to issuer terms and merchant coding.
Wells Fargo
Wells Fargo One Key Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
Barclays
Wyndham Rewards Earner Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Eligible Wyndham purchases earn the hotel rate. Merchant coding, account eligibility and issuer terms apply.
Barclays
Wyndham Rewards Earner Plus Card
6.00 listed rate · reward currency requires confirmation
Annual fee: $75
Purchase channel and brand restrictions: confirm with issuer.
Eligible Wyndham purchases earn the hotel rate. Merchant coding, account eligibility and issuer terms apply.
Estimates are subject to issuer terms, spending caps, enrollment requirements and merchant coding.