Gas Cards That Cover EV Charging Stations (2026 Guide)
As more households own both gas and electric vehicles, a growing number of gas rewards cards now cover public EV charging. Here is which cards include EV charging, which networks qualify, and how combined caps affect your rewards.
Cards With Confirmed EV Charging Coverage
| Card | EV Rate | Cap | Annual Fee | Networks |
|---|---|---|---|---|
| PenFed Platinum Rewards | 5x points (~4.25%) | No cap | $0 | Tesla Supercharger, ChargePoint, EVgo, Blink, Electrify America |
| Costco Anywhere Visa | 4% cash back | $7,000/yr combined gas + EV | $0 (Costco membership required) | Major public networks (MCC 5552) |
| Wells Fargo Autograph | 3x points (3%) | No cap | $0 | Major public networks (MCC 5552) |
| Citi Strata Premier | 3x points (3%) | No cap | $95 | Major public networks |
Coverage based on public issuer terms as of April 2026. PenFed points valued at 0.85 cents each for travel redemption.
How EV Charging is Classified by MCCs
Credit card rewards are triggered by merchant category codes (MCCs) assigned to each business. Traditional gas stations use MCC 5541 (gas stations with convenience stores) and MCC 5542 (automated fuel dispensers). EV charging stations use a newer code, MCC 5552 (electric vehicle charging).
MCC 5541
Gas stations with convenience stores
MCC 5542
Automated fuel dispensers
MCC 5552
Electric vehicle charging
Cards that only list "gas stations" in their bonus categories typically cover MCCs 5541 and 5542 but not 5552. Cards that explicitly mention "EV charging" or "electric vehicle charging" in their terms have added MCC 5552 to the bonus category. Always check the card's most recent terms and conditions.
Combined Cap Considerations
If your card has a combined gas + EV charging cap, heavy use of both fuel types can hit the cap faster. The Costco Anywhere Visa has a $7,000 annual cap on combined gas and EV purchases.
| Monthly gas | Monthly EV | Combined annual | Hits $7K cap? |
|---|---|---|---|
| $200 | $50 | $3,000 | No |
| $300 | $100 | $4,800 | No |
| $300 | $200 | $6,000 | No |
| $400 | $200 | $7,200 | Yes (month 12) |
| $500 | $150 | $7,800 | Yes (month 11) |
If your combined gas and EV spend exceeds $583/month, you will hit the Costco cap before year-end. Consider PenFed Platinum Rewards (no cap, 5x on both gas and EV) as an alternative.
Home Charging vs Public Charging
Home Charging
About 80% of EV charging happens at home. This shows up on your electricity bill as a utility payment, not as an EV MCC transaction. No gas or EV rewards card earns bonus rewards on home charging. To optimize home charging costs, consider a utility-focused card or time-of-use electricity rates.
Public Charging (Earns Rewards)
Public charging at stations from Tesla Supercharger, ChargePoint, EVgo, Blink, and Electrify America triggers the EV charging MCC. This is where your gas/EV rewards card earns its bonus rate. Average public charging costs $0.30-$0.60/kWh, meaning a full charge for a typical EV costs $10-$30.
Best Card for Hybrid and Dual-Vehicle Households
PenFed Platinum Rewards: The best single card for gas + EV
If your household has one gas car and one EV, the PenFed Platinum Rewards earns 5x points (about 4.25% effective) on both gas and EV charging with no cap and no annual fee. No other card matches this combination. Use it for all fuel purchases across both vehicles, and pair it with a 2% flat-rate card for everything else.
Read the full PenFed review for details on point redemption values and membership requirements.
Frequently Asked Questions
Do gas rewards cards work at EV charging stations?+
Does home EV charging earn gas card rewards?+
What MCC does EV charging use?+
Which EV charging networks work with gas rewards cards?+
Full Card Comparison
All gas cards ranked by annual return.
No Annual Fee Cards
PenFed covers EV charging and has no annual fee.
Station Loyalty Programs
How MCCs work and which stations trigger gas bonuses.
PenFed Platinum Review
The top pick for combined gas and EV charging rewards.