Sunday, February 05, 2012

Top Credit Cards

Gas Rebate Credit Cards Basics


Gas Credit Cards

Best Gas Credit Cards With today's ever climbing prices at the pump gas credit cards are becoming more popular than ever. These types of credit cards can be real money savers. Many of the cards offer rebates of 3% to 5% on gas purchases. Anyone buying gas for long daily commutes should be able to realize a nice savings with a good gas rebate credit card.

When evaluating gas credit card offers it's important to look beyond introductory offers that will expire in 3 to 6 months. Look for a credit card that offers a high ongoing rebate percentage. The Discover® Open Road Card and BP Rewards Visa® are two good examples. Do remember that paying interest on credit card balances can quickly eat into any rewards or rebates you earn so it's best to pay off the balance each month.

Good gas credit cards tend to offer a high cash back percentage on gas purchases but a much lower cash back percentage on other kinds of purchases. A good strategy is to have a high rebate percentage gas card that you use only for gas purchases. Then for other kinds of purchases such as groceries, pharmacy and department store, use a cash back credit card designed to return the highest rebates for those types of purchases. Don't go overboard. Too many credit cards are not good for your credit score. But having a few strategic cash back credit cards to maximize rebates when you make your ordinary purchases is a good strategy.

With good credit some of the gas credit cards are very attractive. Not only do you get a rebate for gas purchases and other types of purchases, but many of the cards come with low APR and 0% balance transfers. These can be great credit cards for all around daily use.

Discover® Open Road® Card- $150 Restaurant.com Gift Certificate

Discover® Open Road® Card-  $150 Restaurant.com Gift Certificate Top Gas Credit Cards
  • 0% intro APR on purchases and balance transfers for 12 months, then the variable purchase APR of 10.99% - 20.99%*
  • 2% automatically at gas stations and restaurants all year long*
  • *Click apply to view rates, fees, rewards, limitations and other important information
  Cash Back


Intro Apr Intro Apr Period Ongoing APR Annual Fee Credit Needed
0% 12 months 11.99-20.99% (V)* $0 Excellent

American Express® AIR MILES®* Platinum Credit Card

American Express® AIR MILES®* Platinum Credit Card Top Gas Credit Cards
  • Earn a Welcome Bonus of 500 AIR MILES® reward miles the first time you use the Card.
  • Earn 1 reward mile for every $10 in Card purchases at AIR MILES® Sponsors.
  • Now! Earn 1 reward mile for every $10 in Card purchases at other eligible gas, grocery and drugstores.
  • * Terms and conditions apply
  Airline Miles


Intro Apr Intro Apr Period Ongoing APR Annual Fee Credit Needed
2.99% on Purchases for 12 months N/A 19.99% First Year Free; $65 Annual Fee thereafter Excellent

Discover® More® Card

Discover® More® Card Top Gas Credit Cards
  • 5% Cashback Bonus® in categories that change like gas, groceries, restaurants, home improvement stores and more. Limitations apply*
  • Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
  • *Click apply to view rates, fees, rewards, limitations and other important information
  Cash Back
Balance Transfers
Low APR


Intro Apr Intro Apr Period Ongoing APR Annual Fee Credit Needed
0% 15 months 10.99-20.99% (V)* $0 Excellent

Discover® More® Card - 18 Month Promotional Balance Transfer

Discover® More® Card - 18 Month Promotional Balance Transfer Top Gas Credit Cards
  • 0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% - 20.99%*
  • 5% Cashback Bonus® in categories that change like gas, groceries, restaurants, home improvement stores and more. Limitations apply*
  • *Click apply to view rates, fees, rewards, limitations and other important information
  Cash Back
Balance Transfers
Low APR


Intro Apr Intro Apr Period Ongoing APR Annual Fee Credit Needed
0% 6 months 10.99-20.99% (V)* $0 Excellent

Discover® More® Card - $0 Balance Transfer Fee!

Discover® More® Card - $0 Balance Transfer Fee! Top Gas Credit Cards
  • 0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 19.99%*
  • 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • *Click apply to view rates, fees, rewards, limitations and other important information
  Cash Back
Balance Transfers
Low APR


Intro Apr Intro Apr Period Ongoing APR Annual Fee Credit Needed
0% 12 months 10.99-20.99% (V)* $0 Excellent

Vision Premier Card

Vision Premier Card Top Gas Credit Cards
  • Get 1% Cash Back on Gas Purchases
  • No Credit Check, No Overdraft Fees, and No Interest Fees
  • Free Savings Account and Free Roadside Assistance
  • Free Direct Deposit and Free Bill Pay so you can manage your money better
  PrePaid


Intro Apr Intro Apr Period Ongoing APR Annual Fee Credit Needed
N/A N/A N/A $0 Any Credit Level is OK

Discover® Mix Tape Student Card

Discover® Mix Tape Student Card Top Gas Credit Cards
  • 5% Cashback Bonus® in categories that change like department stores, gas, groceries, restaurants, and more.
  • Up to 1% unlimited Cashback Bonus® on everything else you buy
  • No Annual Fee
  Cash Back
Student


Intro Apr Intro Apr Period Ongoing APR Annual Fee Credit Needed
0% 9 months 13.99-20.99% $0 Very Good or Excellent or Good

Discover® Student Card - Monogram Collection

Discover® Student Card - Monogram Collection Top Gas Credit Cards
  • 5% Cashback Bonus® in categories that change like gas, groceries, restaurants, home improvement stores and more. Limitations apply*
  • No Annual Fee
  • *Click apply to view rates, fees, rewards, limitations and other important information
  Cash Back
Student


Intro Apr Intro Apr Period Ongoing APR Annual Fee Credit Needed
0% 9 months 13.99-20.99% (V) $0 Very Good or Excellent or Good

Discover® Student Card

Discover® Student Card Top Gas Credit Cards
  • 5% Cashback Bonus® in categories that change like gas, groceries, restaurants, home improvement stores and more. Limitations apply*
  • No Annual Fee
  • *Click apply to view rates, fees, rewards, limitations and other important information
  Cash Back
Student


Intro Apr Intro Apr Period Ongoing APR Annual Fee Credit Needed
0% 9 months 13.99-20.99% (V) $0 Very Good or Excellent or Good

Discover® Student Card - Clear

Discover® Student Card - Clear Top Gas Credit Cards
  • 5% Cashback Bonus® in categories that change like gas, groceries, restaurants, home improvement stores and more. Limitations apply*
  • No Annual Fee
  • *Click apply to view rates, fees, rewards, limitations and other important information
  Cash Back
Student


Intro Apr Intro Apr Period Ongoing APR Annual Fee Credit Needed
0% 9 months 13.99-20.99% $0 Very Good or Excellent or Good

Discover® Student Card - Tropical Beach

Discover® Student Card - Tropical Beach Top Gas Credit Cards
  • 5% Cashback Bonus® in categories that change like department stores, gas, groceries, restaurants, and more.
  • Up to 1% unlimited Cashback Bonus® on everything else you buy
  • No Annual Fee
  Cash Back
Student


Intro Apr Intro Apr Period Ongoing APR Annual Fee Credit Needed
0% 9 months 13.99-20.99% $0 Very Good or Excellent or Good

Discover® Student Open Road®

Discover® Student Open Road® Top Gas Credit Cards
  • Double Cashback Bonus® at any gas station and any restaurant.
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information
  Cash Back
Student


Intro Apr Intro Apr Period Ongoing APR Annual Fee Credit Needed
0% For 9 Months 13.99-20.99% (V) $0 Very Good or Excellent or Good

Discover® Student Card with $25 Cash Back Bonus

Discover® Student Card with $25 Cash Back Bonus Top Gas Credit Cards
  • 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 13.99% - 20.99%*
  • 5% Cashback Bonus® in categories that change like gas, groceries, restaurants, home improvement stores and more. Limitations apply*
  • *Click apply to view rates, fees, rewards, limitations and other important information
  Cash Back
Student


Intro Apr Intro Apr Period Ongoing APR Annual Fee Credit Needed
0% 6 months 13.99-20.99% (V) $0 Very Good or Excellent or Good

Save More Money on Gas


While gas credit cards are a great way to save money on gas purchases, there are other ways to stretch your gas allowance. There are plenty of little things you can do to conserve your own gasoline, especially when fuel prices are climbing almost every day. Read the tips and advice below and learn how to make the most of your fuel today, for less money spent on gas tomorrow.

1. Stop letting your engine idle! --It's easy to do, especially in traffic, and if you're "just going to be inside for a second". Those seconds count, and can end up costing you a lot of money over time. Turn the engine off!
2. Losing gas to evaporation over time can be as simple as not keeping your gas cap closed tightly, or by just having an older vehicle without an air-tight gas cap. Get one today, or remember to screw the cap shut tightly, in order to keep your gas from basically, just drying up.
3. A to-do list isn't as good as a "to-go" list, --trying planning your errands, and combining all the trips you'll need to make. That way, unless it's an emergency, or a last minute issue, you shouldn't need to go out more than once a day.
4. Be courteous on the road. Really, this is a great way to save gas; speeding, rapid acceleration, dangerous maneuvers, all require more fuel to be used by the engine. So, be practical on the road. Unless it's an emergency, practice safe driving always.
5. If you have a bunch of extra junk floating around in your car, --not the spare tire, and definitely not the jack, --take it out! Extra weight is another major cause of fuel efficiency decreasing. Every one hundred pounds extra could decrease gas mileage by one percent.
6. Even something as simple as remember to keep your tires properly inflated can potential save money on gas, --it's true. By checking the owner's manual, you can determine the proper pressure for your car's tires. Supposedly, keeping your tires inflated can save just under $0.10 per gallon.
7. Always practice proper car maintenance, as described in the owner's manual, --including something as easy as changing the air filter; which improves engine performance if the filter is clogged. Note that some credit cards also provide cash back on car maintenance.
8. Follow the owner's manual and manufacturer's instructions when it comes to which grade oil to use for your vehicle, and also, what kind of gasoline to use. Sometimes, people use Premium, and often they're only wasting their money on an unnecessary perk for their car.
9. Last, don't forget that it's okay to turn off the air conditioner once in a while When you're in town, roll down the windows, --having them down in the city won't affect your mileage, but it will cause air drag on the highway. Instead, use the ventilation controls, --there are plenty of buttons, but don't worry, one of them will do the trick, --in order to circulate air through the vehicle without affecting mileage.
10. Take 5% off the price you pay at the pump with a good gas credit card.