r/CreditCards•
NicoRulli

Credit Card for Gas (car) / Utilities / insurance?

Card Recommendation Request (Template Used)

Hey Everyone!

Looking for a credit card to cover gas purchases monthly and maybe be used elsewhere too.

I have a costco membership but I'm single and only go occasionally. It's also not between my work and home so it's a little out of the way and pretty busy.

I usually go to an exxon on the way home. There's a lot around me.

Wanted to cover this as I'm currently using my QuickSilver at 1.5% back.

I use my QS for:

  • Power Bill ~70-80$
  • Internet 60$
  • insurance - 1450 / 6 months
  • gas 30 / week, maybe 40 if i drive a lot
  • Phone bill: $390 / year with US Mobile.

I try to take advantage of rent day with bilt, but that still only gets me 2x on gas 1 day of the month.

My main spend other than rent and insurance (car) is putting $1000+ / month into investments. However i know this can't be put on a credit card. unless...?

I think a Visa of sorts would be good to cover the occasional costco payments as all my CCs are MCs.

However, that isn't a huge focus right now.

5% back on gas from the Costco visa is nice but i don't know how much longer i'll keep my membership for as I don't really go there often.

* Current credit cards you are the primary account holder of:

* Bilt

* Quicksilver

* Savor

* FICO scores with source: FICO/creditwise: 743

* Oldest credit card account age: 1.5 yrs

* Cards approved in the past 6 months: 1

* Cards approved in the past 12 months: 2

* Cards approved in the past 24 months: 3

* Annual income $: 65,000

CATEGORIES

* Ok with category-specific cards?: Yes

* Ok with rotating category cards?: No

* Estimate average monthly spend in the categories below.

* Dining $: 250

* Groceries $: 360 - harris teeter

* Gas $: 120-160 - Exxon Mobil primarily

* Travel $: 0

* Using abroad?: no

* Other categories or stores: insurance, internet, power

* Other spend: might get a gym membership @ $60 a month*

* Pay rent by card? Yes, amount and fee: 1600 (after other things included), 0% bc bilt

MEMBERSHIPS & SUBSCRIPTIONS

* Costco or Sam's Club member: Costco

* Big bank customer: Wells Fargo, schwab (investing)

PURPOSE

* Purpose of next card: Cashback

* Cards being considered:

Thought about the custom cash as it's 5% back on top spend, that would solely be a gas card though.

US Bank cards? Saw a video about 5% back on certain utilities. maybe an option?

Posted Dec 7, 2025, 2:44 PM UTC

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