Best credit card to use at Phillips 66.

1. #1
   
   AAA Travel Advantage Visa Signature

   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
   
   Costco Anywhere Visa by Citi

   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 it Cash Backthis 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%
5. #5
   
   Discover it for Studentsthis 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%
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 Cashback Rewards Plus

   USAA

   5% on gas

   First $3,000/year
   5%
8. #8
   
   Wyndham Rewards Earner Business

   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
    
    Costco Anywhere Visa Business by Citi

    Citi

    4% on gas

    On eligible gas and EV charging worldwide, first $7,000/year combined
    4%
11. #11
    
    Gemini Credit

    WebBank

    4% on gas

    First $300/month on gas and EV charging
    4%
12. #12
    
    PNC Cash Rewards

    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
    
    US Bank Altitude Connect

    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 Sapphire Preferred

    Chase

    3x points on gas

    Gas and EV charging
    3.8%3x points
15. #15
    
    Navy Federal More Rewards American Express

    Navy Federal

    3x points on gas
    3.6%3x points
16. #16
    
    Wells Fargo Choice Privileges Select Mastercard

    Wells Fargo

    5x points on gas
    3.5%5x points
17. #17
    
    AAA Daily Advantage Visa Signature

    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
    
    AT&T Points Plus from Citi

    Citi

    3x points on gas

    Includes EV charging stations
    3.0%3x points
19. #19
    
    Blue Cash Everyday

    American Express

    3% on gas (up to $6,000/year, then 1%)

    U.S. gas stations
    3%
20. #20
    
    Blue Cash Preferred

    American Express

    3% on gas

    U.S. gas stations
    3%

Last updated June 30, 2026