5 Best Easy Approval Gas Credit Cards in US (2025)

What Are Easy Approval Gas Credit Cards and Who Should Apply?

Easy approval gas credit cards help people with bad or limited credit get approved faster. Many are secured cards requiring a refundable deposit, making approval easier.

Who Should Apply?

• Drivers with bad credit looking to rebuild credit safely
• New credit users who want a straightforward card with fuel rewards
• Budget-conscious consumers wanting to avoid annual fees
• Frequent drivers aiming to save money on every fill-up
• People who want to build credit while earning rewards on gas and everyday purchases

Key Benefits

• Cash back on gas and everyday purchases
• No or low annual fees
• Credit-building with reporting to major bureaus
• Simple online applications

If you want to save on fuel and build credit, these cards are a great choice. Keep reading to find the best options for 2025.

Top 5 Easy Approval Gas Credit Cards in the US (2025)

1. Bank of America Customized Cash Rewards Secured Credit Card

Ideal for those with bad or new credit, this secured card offers 3% cash back on gas or a category of your choice in the first year. It helps you build credit while enjoying flexible rewards.

Key Benefits of Bank of America Customized Cash Rewards Secured Credit Card

• 3% cash back on your chosen category, including gas, for the first year.
• 2% cash back at grocery stores and wholesale clubs (up to $2,500 quarterly).
• 1% cash back on all other purchases.
• No annual fee, great for budget-conscious users.
• Refundable security deposit starts at $200.
• Free monthly access to your FICO® Score.
• Automatic reviews for potential upgrade to unsecured card.
• No restrictions on gas station rewards.
• Builds credit with responsible use.
• Easy online application with quick decision.

A top pick for credit rebuilding with strong cash back rewards on gas and groceries. No annual fee and upgrade potential make it a smart choice.

2. Truist Enjoy Cash Secured Credit Card

Perfect for both traditional and electric vehicle owners, this secured card rewards 3% cash back on gas and EV charging, plus groceries and utilities, with no annual fee.

Key Benefits of Truist Enjoy Cash Secured Credit Card

• 3% cash back on gas and EV charging stations.
• 2% cash back on groceries and utilities up to $1,000 monthly combined.
• 1% cash back on all other purchases.
• No annual or foreign transaction fees.
• Refundable security deposit required.
• Automatic upgrade review after responsible use.
• Easy approval for bad or limited credit.
• Use rewards anywhere on gas or EV charging.
• Helps build credit history.
• Supports eco-friendly spending.

Best for drivers of gas and electric vehicles seeking easy approval and solid rewards with no fees.

3. Capital One Quicksilver Secured Cash Rewards Credit Card

This simple, flat-rate card gives you 1.5% cash back on all purchases including gas, with no annual fee and a path to unsecured credit.

Key Benefits of Capital One Quicksilver Secured Cash Rewards Credit Card

• 1.5% cash back on every purchase, no caps.
• No rotating categories to track.
• No annual fee to keep costs low.
• Refundable security deposit required.
• Upgrade to unsecured card possible.
• Easy approval for fair or bad credit.
• Builds credit with responsible payments.
• Accepted nationwide for gas and more.
• No hidden fees or charges.
• Free monthly credit score monitoring.

Great for users who want a simple gas credit card with steady rewards and a clear upgrade path.

4. Discover it® Secured Credit Card

This secured card offers 2% cash back at gas stations and restaurants, plus a first-year cash back match, making it a favorite for credit rebuilding.

Key Benefits of Discover it® Secured Credit Card

• 2% cash back at gas stations and restaurants up to $1,000 quarterly.
• 1% cash back on other purchases.
• Dollar-for-dollar cash back match first year.
• No annual fee to keep costs low.
• No credit score needed to apply.
• Refundable security deposit required.
• Upgrade review possible with good use.
• Helps rebuild credit history.
• No foreign transaction fees.
• Free FICO® Score monitoring monthly.

Ideal for bad credit users wanting strong gas rewards and extra cash back incentives with no fees.

5. Shell Gas Card

Designed for frequent Shell station users, this card offers per-gallon discounts and rebates with easy approval and no annual fee.

Key Benefits of Shell Gas Card

• 50¢ per gallon back on first 5 Shell fuel purchases by 6/30/2025.
• 10¢ per gallon back on future Shell fuel purchases.
• 10% rebate on $1,200 Shell non-fuel purchases annually.
• No annual fee for cost-effective use.
• Fair credit approval chances.
• Accepted exclusively at Shell stations.
• Easy online application process.
• Rewards tailored for Shell drivers.
• No rewards caps or limits.
• Helps manage fuel expenses effectively.

The best choice for loyal Shell customers seeking straightforward fuel savings with easy approval and no fees.

How to Choose the Best Gas Credit Card for Your Needs in 2025

Finding the right gas credit card helps you save money and build credit. Keep these tips in mind:

• Approval for Low Credit Scores: Choose easy approval credit cards or secured cards to increase your chances if your credit is low.
• Cash Back and Rewards: Look for fuel rewards credit cards offering solid cash back on gas and everyday purchases like groceries and online shopping.
• Fees and Costs: Avoid high annual fees or hidden charges. Many cards have no fees, perfect for rebuilding credit affordably.
• Credit-Building Features: Ensure the card reports payments to all three credit bureaus to improve your credit score.
• Acceptance: Pick cards accepted nationwide to maximize rewards wherever you fill up.

Considering these factors will help you find a gas credit card that fits your spending habits and credit goals.

Tips to Maximize Rewards with Gas Credit Cards

Using a gas credit card smartly can help you earn more cash back and improve your credit score. Follow these tips to get the most from your card:

• Use Your Card for Gas Only: Stick to gas purchases if your card offers bonus rates for fuel spending. This keeps rewards focused and organized.
• Pay Your Balance in Full: Avoid interest charges by paying off your card every month. This protects your cash back value and boosts your credit health.
• Take Advantage of Category Options: If your card lets you choose categories, select gas as your 3% or 5% cash back category during high driving months.
• Track Bonus Categories or Promotions: Some cards rotate rewards. Keep an eye on special offers or seasonal promos to maximize your earnings.
• Use It Consistently: Frequent use combined with timely payments helps you build credit faster and qualify for unsecured cards or better rewards.
• Monitor Your Credit Score: Many gas cards offer free access to your credit score. Watch for improvements to know when to upgrade your card.
• Avoid Cash Advances: Gas credit cards are not ideal for cash withdrawals. These usually come with high fees and no rewards.
• Set Alerts for Due Dates: On-time payments are key to improving credit and keeping rewards intact. Set auto-pay or reminders to stay on track.
• Combine with Loyalty Programs: Use fuel station loyalty apps or discounts with your gas card for extra savings per gallon.
• Review Terms Regularly: Cashback rates, category options, or terms can change. Review your card's benefits every few months to stay updated.

With the right habits, a gas credit card can save you money and support long-term financial goals.

How to Use Gas Credit Cards Responsibly

Using gas credit cards wisely can help you build credit, avoid debt, and make the most of fuel rewards. Here’s how to stay on the right track:

• Pay Your Balance in Full: Always pay your monthly statement in full to avoid interest charges that can wipe out your rewards.
• Set a Budget for Fuel: Treat your gas credit card like cash. Know your fuel budget and stick to it to prevent overspending.
• Use for Fuel and Everyday Needs Only: Limit use to gas, groceries, or necessary expenses especially if you're building credit.
• Never Miss a Payment: Late payments hurt your credit and can lead to penalty fees. Set up auto-pay or reminders to stay on time.
• Track Your Credit Utilization: Keep your credit usage below 30% of your limit. This helps maintain a healthy credit score.
• Secure Your Account: Use strong passwords and enable alerts to monitor transactions for any suspicious activity or fraud.
• Review Your Statements Monthly: Check for errors or unauthorized charges. Reporting them early helps you avoid long-term issues.
• Understand Terms and Rates: Know your APR, fees, and cash back details. Awareness prevents surprises and encourages smarter use.
• Upgrade When Eligible: Some secured cards allow upgrades. Use your gas card responsibly to qualify for better rewards or unsecured cards.
• Use Rewards Before They Expire: Keep track of your cash back or fuel discounts. Redeem them regularly so they don’t go to waste.

Responsible gas card use leads to better credit, more savings, and long-term financial success. Start small and stay consistent.

Conclusion

Gas credit cards offer more than just savings at the pump they help you build credit, manage fuel expenses, and earn cash back on everyday spending.

Whether you have bad credit or you're new to credit cards, there's an easy-approval option out there for you.

From secured cards with generous fuel rewards to branded gas cards with per-gallon savings, choosing the right card based on your lifestyle and goals can make a big difference. Use your card responsibly, monitor your credit, and take full advantage of the rewards and upgrade opportunities available.

Take the Next Step

• Compare card options and apply online.
• Use our guides on cash back cards and credit rebuilding cards.
• Start saving on every gallon and boost your credit score today.

Ready to find the best gas card for you? Use our reviews and tips to pick the perfect card and start fueling your financial journey.

Frequently Asked Questions (FAQs)

1. Can I get approved for a gas credit card with bad credit?

Yes. Many gas credit cards especially secured options are designed for applicants with poor or limited credit history. These cards require a refundable deposit and report monthly to all three major credit bureaus, helping you build or rebuild your credit with responsible use.

2. Do gas credit cards really save money on fuel?

Absolutely. Some cards offer cash back on fuel purchases (e.g., 2%-3%), while others offer cents-per-gallon discounts at specific stations like Shell or Exxon. When used responsibly, these savings can add up over time especially for daily commuters.

3. What’s the difference between a gas credit card and a general rewards card?

Gas credit cards focus rewards specifically on fuel purchases, often offering higher rates at gas stations. General rewards cards may offer lower but broader rewards. For heavy drivers or truck owners, a dedicated gas rewards card typically offers more value.

4. Will using a gas credit card improve my credit score?

Yes. If you make on-time payments and keep your balance low. Most reputable gas credit cards report to all three credit bureaus. Over time, responsible usage helps boost your credit score, especially for users with limited or bad credit history.

5. Are there gas credit cards with no annual fees?

Yes. Many top gas cards, including secured options, have no annual fee. These are ideal for budget-conscious users who want to earn rewards without extra costs. Always read the terms to understand any hidden fees or variable rates.