Credit_card | Link | Rating | Why | Annual_fee | Intro_offer | Regular_apr | Rewards |
|---|---|---|---|---|---|---|---|
| Bank of Hawaii Visa Signature® Cash Rewards | Apply now | 4.7/5 - Best for gas, groceries, dining rewards | Strong local option with 3% back on key categories and intro APR period. | $0 | 0% intro APR for 12 billing cycles on purchases and balance transfers | 16.99% – 25.99% Variable | 3% cash back on gas, groceries, dining; 1% elsewhere |
| First Hawaiian Bank Cashback Rewards Visa® | Apply now | 4.8/5 - Earns 3% back on gas | Top-tier rewards structure on gas, groceries, dining with $0 annual fee. | $0 | — | 17.99% – 27.99% Variable | 3% cash back on gas, groceries, dining; 1% elsewhere |
| ASB Visa® Cash Back Real Rewards Card | Apply now | 4.5/5 - Good gas rewards from local bank | 3% cash back on gas and groceries with a 0% intro APR offer. | $0 | 0% intro APR for 15 months on purchases and balance transfers | 16.24% – 26.24% Variable | 3% back on gas and groceries; 1% elsewhere |
| HawaiiUSA FCU Visa® Signature Real Rewards | Apply now | 4.4/5 - Credit union option for gas | Earns 3X points per $1 on all purchases with reasonable APRs. | $49 | — | 13.90% – 18.00% Variable | 3 points per $1 spent (equivalent to ~3% back) |
| Hawaiian Airlines® World Elite Mastercard® | Apply now | 4.6/5 - Bonus on gas plus airline benefits | Strong co-branded airline card with miles on gas, groceries, and Hawaiian Airlines purchases. | $99 | Typically 70,000+ bonus miles after minimum spend (see issuer site for latest offer) | 17.99% – 26.99% Variable | 3X miles on Hawaiian Airlines purchases; 2X on gas, groceries, dining; 1X elsewhere |
| Citi Custom Cash℠ Card | Apply now | 4.8/5 - Earn 5% back in top eligible category | Automatically earns 5% in your highest eligible spend category each billing cycle. | $0 | 0% intro APR for 15 months on purchases and balance transfers | 17.49% – 27.99% Variable | 5% back on top eligible category (up to $500/month); 1% elsewhere |
| Costco Anywhere Visa® Card by Citi | Apply now | 4.6/5 - Good gas rewards, Costco member perk | Earns 4% back on gas and EV charging worldwide plus 3% on dining/travel. | $0 (Costco membership required) | — | 17.49% Variable | 4% on eligible gas & EV charging (first $7,000/year, then 1%); 3% dining & travel; 2% Costco purchases; 1% elsewhere |
| PenFed Platinum Rewards Visa Signature® Card | Apply now | 4.5/5 - High gas rewards from credit union | Excellent for drivers with 5X on gas and 3X on groceries. | $0 | — | 17.99% Variable | 5X points on gas; 3X groceries; 1X elsewhere |
| U.S. Bank Altitude® Go Visa Signature® Card | Apply now | 4.4/5 - Bonus on gas plus other categories | 4X points on dining, takeout, delivery, and gas with no annual fee. | $0 | 0% intro APR for 12 billing cycles on purchases and balance transfers | 18.24% – 28.24% Variable | 4X points on dining, takeout, delivery, gas, streaming; 2X groceries; 1X elsewhere |
| Wells Fargo Active Cash® Card | Apply now | 4.3/5 - Simple 2% back on gas and everything else | Flat 2% cash rewards with intro APR and no annual fee. | $0 | $200 cash rewards bonus after $500 in purchases in 3 months | 19.99%, 24.99% or 29.99% Variable | 2% cash rewards on purchases |
| Bank of America® Customized Cash Rewards Card | Apply now | 4.2/5 - Choose gas as 3% category | Customizable 3% category card with Bank of America Preferred Rewards® boost potential. | $0 | 0% intro APR for 15 billing cycles on purchases and balance transfers | 16.24% – 26.24% Variable | 3% in category of your choice (gas, online shopping, dining, travel, drug stores, home improvement/furnishings); 2% at grocery stores/wholesale clubs; 1% elsewhere |
| Sam's Club® Mastercard® | Apply now | 4.1/5 - Good for Costco/Sam's Club members | High rewards at Sam’s Club and competitive gas and dining rewards. | $0 (Sam’s Club membership required) | — | 16.65% – 24.40% Variable | 5% back on gas (first $6,000/year, then 1%); 3% dining & travel; 1% elsewhere |
Beat island fuel costs with the right gas-station multipliers Gas is one of Hawaiʻi’s biggest household expenses. The right gas credit card can offset that burden—if you choose wisely. To succeed, you need to understand category coding, caps vs unlimited rewards, warehouse exclusions, and value-destroying fees. Always compare gas cards side-by-side with Cash-Back cards (for groceries, utilities) and Rewards cards (for travel value).
What “gas station” means varies wildly by issuer:
Bonus rewards on groceries, dining, or utilities can complement your fuel savings—especially when gas categories are exhausted.
Here are related guides you’ll want your readers to navigate to:
We prioritize: