The Best Gas & EV Charging Credit Cards in 2026

Gas is one of the few spending categories nearly every household hits every month, which makes it a surprisingly underrated place to optimize. Here are the cards that consistently earn the most at the pump -- and how EV charging fits into the picture as it becomes a bigger share of that same spending category.

Side-by-Side Comparison

Citi Custom Cash

Custom Cash automatically earns 5% cash back in whichever eligible category you spend the most in each billing cycle -- up to a monthly cap -- with gas stations among the eligible categories. If gas is not always your top category, this card flexes to match whatever spend pattern you actually have that month.

Discover it

Discover's rotating 5% categories regularly include gas stations for a full quarter at a time, and Discover matches all cash back earned in your first year for new cardholders -- effectively doubling the value of every rotating-category dollar during that window.

Wells Fargo Autograph

Autograph earns a flat 3x on gas stations year-round with no rotating categories to activate and no spending cap to track -- the simplest option if you would rather not manage quarterly enrollment at all.

What About EV Charging?

Dedicated EV-charging bonus categories are still rare -- most issuers have not carved out a distinct rewards category for charging network purchases yet, and many charging transactions still get coded under general merchandise rather than a gas-station merchant code. Until that changes, your best bet is the same flat-rate or rotating-gas cards above, since some networks and some card issuers do route charging purchases through gas-adjacent codes. Keep an eye on rotating category cards like Discover it and Chase Freedom Flex, which have occasionally added EV-adjacent categories as charging spend has grown.

The Bottom Line

For most households, a rotating 5% card paired with a simple flat-rate backup covers gas (and most current EV charging) better than any single card can on its own. As dedicated EV rewards categories start to roll out, the same rotating-category cards are likely to be first to add them.