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20 cards ranked

Best credit card to use at Cumberland Farms.

Gas

Cumberland Farms is a Northeast U.S. convenience and gas chain with about 600 stores across New England, New York, Florida, and parts of the Mid-Atlantic, now operated by EG Group. Fuel at Cumberland Farms pumps codes as gas, so any gas category bonus card will earn its multiplier. The chain's signature SmartPay program is an ACH-linked debit option offering a flat 10 cents per gallon discount, which generally beats most credit-card gas rewards in absolute cents-per-gallon terms but does not earn credit card points.

  1. #1
    Comenity Capital Bank
    5% on gas (up to $7,000/year, then 1%)
    Includes EV-charging stations; $350/year cash back cap on the 5% category combined; 1% thereafter
    5%
  2. #2
    Chase Freedom Flexthis quarter
    Chase
    5% on gas this quarter (Q3 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.
    Q3 2026: gas stations and EV charging, public transit, select live entertainment, and donations to United Way
    5%
  3. #3
    Citi
    5% on gas
    5% at Costco gas stations. 4% on other eligible gas and EV charging worldwide, first $7,000/year combined.
    5%
  4. #4
    Discover
    5% on gas this quarter (Q3 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.
    Activation required each quarter
    5%
  5. #5
    Discover
    5% on gas this quarter (Q3 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.
    Activation required each quarter
    5%
  6. #6
    NHL Discover itthis quarter
    Discover
    5% on gas this quarter (Q3 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.
    Activation required each quarter
    5%
  7. #7
    USAA
    5% on gas
    First $3,000/year
    5%
  8. #8
    Barclays
    5x points on gas
    5.0%5x points
  9. #9
    American Express Business Goldif it’s your top category
    American Express
    4x points on gas if it's your top eligible spend category that cycle (up to $150,000/year, then 1%)
    Automatically on your top 2 spending categories each billing cycle from 6 eligible (airfare, U.S. advertising, U.S. gas, U.S. restaurants, U.S. computer/cloud, transit) — combined cap
    4.8%4x points
  10. #10
    Citi
    4% on gas
    On eligible gas and EV charging worldwide, first $7,000/year combined
    4%
  11. #11
    WebBank
    4% on gas
    First $300/month on gas and EV charging
    4%
  12. #12
    PNC
    4% on gas (up to $8,000/year, then 1%)
    $8,000 combined annual cap with dining and groceries; 1% thereafter
    4%
  13. #13
    U.S. Bank
    4x points on gas (up to $1,000/quarter, then 1%)
    Includes EV charging stations
    4.0%4x points
  14. #14
    Chase
    3x points on gas
    Gas and EV charging
    3.8%3x points
  15. #15
    Navy Federal
    3x points on gas
    3.6%3x points
  16. #16
    3.5%5x points
  17. #17
    Comenity Capital Bank
    3% on gas (up to $16,666/year, then 1%)
    Includes EV-charging stations; combined $500/year cash back cap with groceries and wholesale clubs; 1% thereafter
    3%
  18. #18
    Citi
    3x points on gas
    Includes EV charging stations
    3.0%3x points
  19. #19
    American Express
    3% on gas (up to $6,000/year, then 1%)
    U.S. gas stations
    3%
  20. #20
    American Express
    3% on gas
    U.S. gas stations
    3%

Last updated June 30, 2026