The BJ's One+ Mastercard is the best card for Costco Gas Station — it earns 5x and 5x on most purchases at BJ's.
Updated July 2026
Best Credit Card for Costco Gas Station
Compare the top credit cards to maximize your rewards every time you shop at Costco Gas Station.
Choosing the right card for Costco Gas Station can meaningfully boost your overall rewards return. The difference between a 1x flat card and the best card for this category can add up to hundreds of dollars in extra rewards per year on regular spending.
How CardCurator ranks this merchant
These rankings use current earn rates, annual fee drag, reward value, and merchant-category fit. They are based on live card data, not a fixed sponsored list.
Top Pick
Go broader than Costco Gas Station if you are still deciding by spending goal
This merchant page is best when you already care about Costco Gas Station. If you are still choosing the right card for all of your costco spend, use the category guide or the best-cards hub first.
More Good Options
Bilt RewardsBilt Palladium Card2xpts/dollar4.0%return2x base rate (no bonus for Costco)
More Info →
American Express Membership RewardsBlue Business Plus Credit Card from American Express2xpts/dollar4.0%return2x base rate (no bonus for Costco)
More Info →
Capital OneCapital One Venture Rewards2xpts/dollar3.7%return2x base rate (no bonus for Costco)
More Info →
Rewards Calculator
Enter a monthly spend amount above to see estimated annual rewards per card.
Quick summary
A short version of the recommendation with the main numbers and tradeoffs.
At Costco Gas Station, BJ's One+ Mastercard is currently our top overall pick at 5x, which works out to about 5.0% back based on CardCurator's current point valuations. 5x on most purchases at BJ's. On $500/month of spend, the top card is worth about $300/year before signup bonuses or statement credits. Summary generated July 15, 2026. Source: https://cardcurator.ai/merchant/costco-gas-station
- BJ's One+ Mastercard: 5x and 5.0% effective return.
- At $500/month, that's about $300/year in rewards value before bonuses.
- BJ's One+ Mastercard is also the best no-annual-fee option.
- Methodology uses live earn rates, annual fees, and current point valuations.
Common Questions
What is the best credit card to use at Costco Gas Station?
The BJ's One+ Mastercard is currently the top pick at Costco Gas Station, earning 5x points per dollar — an effective 5.0% return. 5x on most purchases at BJ's
How many points do I earn at Costco Gas Station per dollar spent?
Top cards earn between 2x and 5x at Costco Gas Station. Leading options include: BJ's One+ Mastercard (5x), Costco Anywhere Visa (5x), Bilt Palladium Card (2x).
Does Costco Gas Station count as costco for credit card rewards?
Costco Gas Station typically falls under the Costco category for credit card reward purposes. Cards with a costco spending bonus will earn an elevated rate here. Choosing the right card for Costco Gas Station can meaningfully boost your overall rewards return. The difference between a 1x flat card and the best card for this category can add up to hundreds of dollars in extra rewards per year on regular spending.
Is there a no-annual-fee card that earns well at Costco Gas Station?
Yes — the BJ's One+ Mastercard has no annual fee and earns 5x at Costco Gas Station (5.0% effective return). 5x on most purchases at BJ's
Is a premium card worth the annual fee for Costco Gas Station spending?
The Bilt Palladium Card ($495/yr) earns 2x at Costco Gas Station. If you spend $1,031/month or more there, the category rewards alone offset the annual fee — before counting travel credits and other perks that often exceed $500 in value on premium cards.
Which card earns the most if I spend $500 per month at Costco Gas Station?
BJ's One+ Mastercard: $300/yr, Costco Anywhere Visa: $300/yr, Bilt Palladium Card: $240/yr. The BJ's One+ Mastercard earns the most at $500/month.
Also earning in Costco
Need a situation-specific recommendation?
Merchant rankings are a good starting point, but the best card can change if you care more about international use, business spending, or lower-friction approval.