Credit Cards

Gas Credit Cards Can Earn You Free Miles at the Pump

Even if you have never used gas cards before, you have likely seen those colorful ads while you are at the pump. They may seem too good to be true – free miles and travel benefits for simply paying at the pump with a card? What possible profit motive could be driving this? Gas is a necessity that everyone needs. On top of that, Petroleum companies are some of the most profitable in the world. Why give any sort of a discount on anything?

It may be necessary to better understand the market before delving into how you can profit from it.

Understanding The Travel Industry

Gas companies and airline companies are all a part of the same industry – the travel industry. Within this industry, companies are competing at a very high level. They know there is very little loyalty among clients in this space. The company that wins is the company that makes the most relevant offer today.

With this in mind, it is no surprise that companies are always giving away products and services that may seem almost too good to be true. However, the profit margins on travel are relatively high, and the big companies have scale. This means there is plenty of room to use loss leaders as a customer acquisition and loyalty strategy.

The gas credit cards that you use can earn you quite a bit of free mileage in the travel industry. If you are a person who travels a lot, then you owe it to yourself to learn the ins and outs of this potentially lucrative endeavor.

Gas Cards and Credit

The best part about gas cards is that you can gain the extra benefit of travel miles without losing out on the benefits of a normal credit card. Gas credit cards report to the major credit bureaus, so gas credit cards can help you build your normal credit. Because the gas card is considered a retail card, it usually requires a lower credit score than traditional cards. Some gas cards are available for people with “poor” credit, which is generally defined as a FICO credit score that is below 650.

Of course, the added benefit of gaining travel miles is the number one reason that people gravitate to gas cards. If you want to maximize all of the benefits, however, you can follow these steps.

  • Apply for your cards at one time – Every time you apply for a credit card, the card issuer will need to check your credit. These kinds of checks can cause your credit score to go down if you do not pay attention to the special rule that allows you to create multiple credit inquiries for the same purpose within a specified period of time.
  • Check the terms – Does the gas card have an annual fee and an interest rate that you can deal with? Make sure that you are looking at the normal fees and not the introductory rates. Most gas cards do not charge annual fees, but you should definitely read the fine print in order to be completely sure.
  • Choose a gas card with a convenient location – It is no good having a gas card with great terms if the station for the card is far away from your home and work. You will spend more money getting to the station using the card than you might save! Choose a card with a convenient retail location so that you can keep your card open for a long time. Gas cards are not meant to be used everywhere. This is the best way to make sure that you get the most out of your card. The longer that you leave it open, the more credit history you will earn.
  • Pay the balance in full – In order to avoid paying the interest rate on your card, pay your balance off in full each month. This is the absolute best way to get all of the benefits of the card without the need to pay anything “extra” for it. Paying on time also helps your credit score in a big way. The timeliness of your payments affects around 35 percent of your score.
  • Watch your credit utilization – In order to maximize your credit score, you do not want to spend more than 30 percent of your available credit at any one time. Example: If your gas card has a $1000 limit, then you want to keep your expenditures to $300 or less until you pay that off. Then you can spend another $300 and pay that off to build your credit. Utilizing more than 30 percent of your credit is not a death knoll for your credit score, but you do not receive maximum benefit.

Getting Free Miles at the Pump

Gas cards work on percentages, which may be counted in points. These points can be redeemed at various travel companies, where they are converted into miles. Depending on the program that the company runs, points may be worth more or less miles.

Here we take a look at some of the programs that you can use to get free miles at the pump as well as many other benefits.

The Bank of America Cash Rewards Credit Card

Aside from being backed by one of the biggest banks in the United States, this card gives you a choice of 3 percent back in a category of your choice. One of those categories is travel, and your purchases are eligible on a maximum of $2500 in combined choice category. You also get an introductory cash reward bonus of $150 if you spend $500 on the card within the first 3 months of getting your account.

The Wells Fargo Propel American Express Card

Users of the Propel American Express Card from Wells Fargo get a huge three points per dollar on travel and other categories. If you spend at least $3000 in the first 90 days of opening your account, you get an enormous 30,000 point bonus as a sign up. Best of all, you do not have to pay any annual fee. You also get an intro APR of 0 percent for the first 12 months on all purchases and the first 120 days on balance transfers.

The Citi Premier Card

If you are a big spender on travel, then the Citi Premier Card may be the choice for you. The first three months is your time to really come out ahead. If you spend $4,000 in the first 90 days, you get 50,000 bonus points that can be redeemed for miles. You do have to pay a $95 annual fee, but not for the first year.

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Damage credit to Fair credit
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$750 Limit (Usable only at TheHorizonOutlet.com)
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Poor/Limited/No Credit
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Up to $41.00
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35.90% Fixed
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Visa®

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  • Easy application, apply in less than 5 minutes right from your mobile device
  • Offers flexible payment due dates which allow you to choose any available due date that fits your payment schedule
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Credit Recommended
No credit, Poor, Fair
Regular APR
29.24% (variable)
Annual Fee
$24 during the first year, paid in installments of $2 per month. $36 after the first year, paid in installments of $3 per month.
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$100- $1,000

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Credit Recommended
Good/Excellent
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