Gas just crossed $4 a gallon again. Here's the best no-fee card for it.

Highest flat rate — if you're already a member.

Earns 4% cash back on gas and EV charging (up to $7,000/year, then 1%) — and 5% specifically at Costco's own gas stations. The card itself genuinely carries no annual fee, but you can't get it without an active Costco membership, and that's not free: a standard Gold Star membership runs $65/year. If you're already a member, this is the strongest no-fee gas card here. If you'd have to join Costco just to qualify, factor that $65 into the math before assuming it's a truly zero-cost pick.

The cleanest "just works" option.

Earns a flat 3% cash back on gas stations, no annual fee, no membership requirement of any kind, and no cap we could find on the bonus category. It won't beat Costco Anywhere Visa's 4%, but it's the simpler pick if you don't already shop at Costco and don't want to add a new membership just to get a rewards card.

Ties Autograph's rate — paid in points instead of cash.

Strata pays a standing 3% on gas every billing cycle — that's its own fixed rate, not conditional on gas being your top spending category. (Strata separately has a top-category bonus that can push one other category to 3% too, but gas earns its rate unconditionally either way.) The catch: this is a Citi ThankYou points card, not straight cash back, so real value depends on how you redeem — at standard redemption it works out to roughly the same 3% as Autograph.

Good if you already stay at Hilton — less clear if you'd cash out.

Advertises 5x Hilton Honors points at gas stations, which sounds like it beats everything above. What matters is what those points are worth when you redeem them — Hilton points typically run around 0.6 cents each in real value, which puts the effective cash-equivalent rate closer to 3%, roughly on par with Autograph and Strata, not clearly ahead of them. Worth it if you already stay at Hilton properties and want the points for that; less clearly a win if you'd rather just have cash.

Want to know which one actually wins for your spending? See it in 30 seconds — free, no account.

What's the best gas rewards card with no annual fee?

It depends on whether you're already a Costco member. The Citi Costco Anywhere Visa earns the highest flat rate — 4% generally, 5% at Costco's own gas stations — but requires an active Costco membership ($65/year). If you're not a member, Wells Fargo Autograph's flat 3% with no cap and no strings attached is the cleanest no-fee option.

Does the Citi Costco Anywhere Visa have an annual fee?

The card itself has no annual fee. But you can't get it without an active Costco membership, and that membership isn't free — the standard Gold Star tier runs $65/year. Factor that in before assuming this is a zero-cost card.

Is there a no-annual-fee gas card with no spending cap?

Wells Fargo Autograph earns a flat 3% on gas with no cap we could find on the bonus category, and no membership requirement of any kind.

How much are Hilton Honors points worth on gas purchases?

Hilton Honors points run around 0.6 cents each in real redemption value. At 5x points per dollar on gas, that works out to roughly a 3% cash-equivalent rate — solid, but not clearly ahead of flat-cashback options like Autograph or Strata unless you specifically want Hilton points.