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11 cards ranked

Best credit card to use at Pep Boys.

Online Shopping

Pep Boys operates roughly 800 auto parts and service centers across the United States, combining a parts counter with tire installation, oil changes, brake work, and full-service mechanical repair. Most credit cards code Pep Boys purchases as auto services or general retail rather than as a dedicated bonus category, so flat-rate cards like the Citi Double Cash often deliver the cleanest 2 percent.

Picks without a tag earn at Pep Boys both in-store and online. Watch for theOnline onlytag — those bonuses only apply on pepboys.com.

  1. #1
    Blue Cash EverydayOnline only
    American Express
    3% on online shopping (up to $6,000/year, then 1%)
    U.S. online retail purchases
    3%
  2. #2
    Hilton Honors American Express SurpassOnline only
    American Express
    4x points on online shopping
    U.S. online retail purchases
    2.0%4x points
  3. #3
    Robinhood Gold
    Robinhood
    3% flat-rate cashback
    3%
  4. #4
    Blue Business Cash from American Express
    American Express
    2% flat-rate cashback
    2%
  5. #5
    Citi Double Cash
    Citi
    2% flat-rate cashback
    1% when you buy, 1% when you pay
    2%
  6. #6
    Coinbase One
    First Electronic Bank
    2% flat-rate cashback
    Up to 4% with higher crypto balances on Coinbase; requires Coinbase One membership
    2%
  7. #7
    Fidelity Rewards Visa Signature
    Elan Financial Services
    2% flat-rate cashback
    When deposited into an eligible Fidelity account
    2%
  8. #8
    Graphite Business Cash Unlimited
    American Express
    2% flat-rate cashback
    Unlimited 2% cash back on eligible purchases
    2%
  9. #9
    Smartly Visa Signature
    U.S. Bank
    2% flat-rate cashback
    2%
  10. #10
    Wells Fargo Active Cash
    Wells Fargo
    2% flat-rate cashback
    2%
  11. #11
    Wells Fargo Signify Business Cash
    Wells Fargo
    2% flat-rate cashback
    2%

Cards with selectable categories can reach Pep Boys when the right bucket is chosen. Bank of America Customized Cash and U.S. Bank Cash+ both have wider categories that may capture auto service spending, and Citi Custom Cash pays 5 percent on the top eligible spending category for cardholders whose monthly spend skews toward vehicle maintenance.

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Last updated May 17, 2026

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