At NerdWallet, we attempt that will help you make monetary selections with confidence. To do that, many or all the merchandise featured listed below are from our companions. Nevertheless, this doesn’t affect our evaluations. Our opinions are our personal.

Perhaps you suppose NerdWallet’s alternative of the Geese Limitless Rewards Platinum Version® Visa® Card as our award winner for 2020’s greatest fuel bank card was for the birds. Permit us to elucidate ourselves.

With no memorable catchphrases, no Tremendous Bowl adverts or superstar spokespeople and no big-name monetary establishment behind it (it’s issued by First Bankcard, a division of First Nationwide Financial institution of Omaha), the $Zero-annual-fee Geese Limitless Rewards Platinum Version® Visa® Card flies beneath the radar. However with stellar rewards on the pump — limitless 5% money again on fuel — it soars above the remainder of the flock.

» MORE: NerdWallet’s greatest fuel bank cards 

That’s to not say this card is a no brainer for anybody with a automobile. First, think about that you simply won’t spend as a lot on fuel as you suppose. Based on the latest information from the Bureau of Labor Statistics, the common family spends about $2,000 a 12 months complete on fuel, motor oil and different gas.

And its rewards past fuel won’t be particularly interesting to most households: limitless 5% money again at sporting items shops and 1% money again on all different purchases. Should you’re in search of an on a regular basis card, you may get extra worth from one with sturdy rewards on an array of frequent bills — not simply fuel, but additionally groceries, family items, eating places and utilities.

Lastly, whereas proceeds from the cardboard assist fund wetlands conservation efforts, the Geese Limitless group does have sturdy ties to duck looking. That received’t be a difficulty for many individuals, but it surely may make others uncomfortable.

Nonetheless, for highway warriors and fuel guzzlers with big-time gas bills, the Geese Limitless Rewards Platinum Version® Visa® Card is just the very best fuel card of 2020.

» MORE: How to decide on a fuel card

5% rewards with no hoops

A handful of different playing cards additionally pay 5% rewards on fuel, however they arrive with vital restrictions that don’t apply within the case of the Geese Limitless Rewards Platinum Version® Visa® Card.

For instance, each the Chase Freedom® and the Uncover it® Money Again usually supply fuel stations as a 5% money again class. In 2020, for instance, the Chase card provides fuel stations within the first quarter, and the Uncover card does so within the second quarter. However on each playing cards, that price is obtainable for under three months at a time, the 5% applies solely to the primary $1,500 in class spending per quarter, and it’s a must to decide in to the bonus classes on-line.

The Sam’s Membership® Mastercard® pays 5% money again on fuel, however solely on the primary $6,000 a 12 months in spending. After that, your fuel rewards drop all the way down to 1%. Maybe extra essential, you could have a Sam’s Membership membership to get this card, which begins at $45 a 12 months for a primary plan. The Geese Limitless Rewards Platinum Version® Visa® Card doesn’t require you to be a Geese Limitless member. Anybody can apply.

» MORE: Full evaluation of the Geese Limitless Rewards Platinum Version® Visa® Card

What you received’t get

Each bank card has solely a lot worth to go alongside to the patron, and selecting a card means making trade-offs in the way you get that worth. The Geese Limitless Rewards Platinum Version® Visa® Card delivers most of its worth with limitless 5% rewards on fuel and a $Zero annual price. Listed here are the trade-offs concerned.

Slender rewards classes. Though the Geese Limitless Rewards Platinum Version® Visa® Card is beneficiant on fuel and sporting items purchases, different playing cards supply elevated rewards throughout a wider array of frequent bills. For instance, the Wells Fargo Propel American Categorical® card earns three factors per greenback at fuel stations — but additionally on consuming out and ordering in, journey (together with flights, resorts, homestays and automobile leases), rideshares, transit and common streaming providers. All different spending earns 1 level per greenback.

No sign-up bonus. Though a meaty welcome supply shouldn’t be the one purpose you select a bank card, it ups the enchantment while you’re weighing related choices. Should you’re expressly out there for elevated earnings on fuel and also you desire a juicy bonus, think about a card just like the Financial institution of America® Money Rewards bank card. It earns three% again on a class of your alternative — with fuel as one of many choices — and a couple of% again on grocery shops and wholesale golf equipment, on the primary $2,500 per quarter in mixed bonus class/grocery retailer/wholesale membership spending. All different spending earns 1% again. The sign-up supply is value just a few tanks of fuel itself: $200 on-line money rewards bonus after you make at the very least $1,000 in purchases within the first 90 days of account opening.

» MORE: One of the best bank card bonus provides out there now

Redemption limitations. Rewards on this card expire on the fifth anniversary of the date they have been awarded. Should you’re somebody who not often cashes in, this might be an issue. And though you could have the flexibleness to redeem rewards as a press release credit score, a deposit right into a checking or financial savings account, or a mailed verify — it have to be in set increments of $25, $50, $100, $250 or $1,000.

Must you get it?

The Geese Limitless Rewards Platinum Version® Visa® Card provides bountiful rewards for somebody solely searching for the very best return on their fuel spending. Should you’re a rideshare or supply driver, a long-haul commuter or a father or mother caught in an infinite loop of carpooling to actions, the money again on this card might put lots of of a 12 months into your pocket.

Should you’re simply a median driver, although, otherwise you desire a extra well-rounded alternative past fueling up, one other card might be extra rewarding over the lengthy haul.

» MORE: The right way to choose the very best bank card for you in four straightforward steps

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