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.
- #1Comenity Capital Bank5% on gas (up to $7,000/year, then 1%)Includes EV-charging stations; $350/year cash back cap on the 5% category combined; 1% thereafter5%
- #2Chase Freedom Flexthis quarterChase5% 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 Way5%
- #3Citi5% on gas5% at Costco gas stations. 4% on other eligible gas and EV charging worldwide, first $7,000/year combined.5%
- #4Discover it Cash Backthis quarterDiscover5% on gas this quarter (Q3 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.Activation required each quarter5%
- #5Discover it for Studentsthis quarterDiscover5% on gas this quarter (Q3 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.Activation required each quarter5%
- #6NHL Discover itthis quarterDiscover5% on gas this quarter (Q3 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.Activation required each quarter5%
- #75%
- #85.0%5x points
- #9American Express Business Goldif it’s your top categoryAmerican Express4x 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 cap4.8%4x points
- #10Citi4% on gasOn eligible gas and EV charging worldwide, first $7,000/year combined4%
- #114%
- #12PNC4% on gas (up to $8,000/year, then 1%)$8,000 combined annual cap with dining and groceries; 1% thereafter4%
- #13U.S. Bank4x points on gas (up to $1,000/quarter, then 1%)Includes EV charging stations4.0%4x points
- #143.8%3x points
- #153.6%3x points
- #163.5%5x points
- #17Comenity Capital Bank3% 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% thereafter3%
- #183.0%3x points
- #193%
- #203%
Last updated June 30, 2026