Gas prices are always high and you may be trying anything and everything to save money when filling up.

In addition to finding the best prices, staying within the speed limit, and cutting back on trips, you might be considering a gas rewards credit card to save even more money.

There are plenty of options, and experts say some are better than others.

Bankrate.com analyzed 22 cards offered by popular gasoline retailers, and they weren’t impressed.

“We’ve found that gas credit cards aren’t the best deal,” said Ted Rossman, senior industry analyst at Bankrate.com. “The ones at the stations themselves, they usually only give a 5 or 10 percent discount per gallon. You can do a lot better with a general purpose credit card.”

Gas retailer cards usually only offer a discount at their own stations, so you’re limited on where you can buy gas.

Bankrate.com says another downside to these cards is their high interest rates.

“The average gas station card has an interest rate of about 26%, which is really astronomical,” Rossman said. “Now the average for all the cards is not a picnic, it’s 16%, so really any good credit card rewards strategy is based on paying in full, avoiding interest. But the cards gas are particularly painful when you’re talking about an average interest rate of 26%.

Rossman says you can find general purpose credit cards with lucrative gas rewards and no annual fee, and some offer up to 5% cash back.

“Get a general-purpose credit card with good gas rewards. Try stacking that discount, too,” Rossman said. “Get the free app at the gas station, get an extra five or ten cents off when you pay this way. You can combine these two discounts, the rewards credit card and the gas app. Some chains Many grocery stores offer rewards that can be converted into fuel points. It’s another way to earn savings, use rewards credit cards and save money on groceries.”

You may not know that you already have a credit card that gives you gas discounts. Check your card issuer’s website or call customer service to find out.

Here is a list of no annual fee credit cards recommended by Bankrate.com that offer lucrative gas rewards:

• Citi Personalized Charge Card: 5% cash back on your main qualifying spend category each billing cycle (up to $500 in purchases, with 1% cash back on all other purchases).
• Sam’s Club Mastercard: 5% cash back on gas (purchased almost anywhere, not just at Sam’s Club – up to $6,000 per year). This card also offers 3% cash back on dining and at Sam’s Club. Other purchases earn 1% cash back. Maximum total cash back per year is $5,000.
• The Discover It Cash Back Card: 5% cash back on rotating quarterly categories (gasoline debuts April 1 through June 30, 2022). Rate applies after activation up to $1,500 in quarterly spend (then 1% cash back thereafter).
• Costco Anywhere Visa Card from Citi: 4% cash back on gas (again, purchased almost anywhere, this time with an annual cap of $7,000), plus 3% cash back on qualifying travel and dining, 2% cash back at Costco and 1% cash back on everything else.
• PenFed Platinum Rewards Visa Signature Card: Five points per dollar at gas pumps and electric vehicle charging stations, three points per dollar at supermarkets, restaurants and on streaming services with one point per dollar elsewhere. Note that each point is worth approximately 0.8 cents. Of these four cards, it’s the only one that doesn’t have a spending cap on its gasoline rewards category.
• Both the Chase Freedom Unlimited and the Chase Freedom Flex offer new customers 5% cash back on gas (up to $6,000 in purchases in their first year). This is on top of the standard $200 welcome bonus after spending $500 (on anything) in their first three months. The promotion is due to expire on June 30, 2022.