Credit or Cash At The Pump?

For just about anything you want to get off your chest about credit cards.
17 posts
Platinum Member
Platinum Member
Posts: 74
Joined: Thu Mar 01, 2012 1:24 am
Location: US

Credit or Cash At The Pump?

Postby Marcov719 » Wed Nov 14, 2012 3:20 am

When it comes to filling up your ride with fuel do you go with cash or credit? I believe most stations charge about 10 cents extra if you go the credit route. It almost makes using our cash back cards at the pump useless. What are your thoughts on this?

Centurion Member
Centurion Member
Posts: 439
Joined: Sat Feb 04, 2012 8:22 pm
Location: United States

Postby Moneytalks » Wed Nov 14, 2012 7:29 am

This is probably the one time I pay cash haha
Wallet: Amex BCE & Chase Freedom. (Credit Card dieting since 2014)

Centurion Member
Centurion Member
Posts: 423
Joined: Thu Aug 09, 2012 7:54 am
Location: VA

Postby kcarter609 » Wed Nov 14, 2012 7:52 am

Credit always. Diesel is the same price cash or credit so it doesn't matter for me.

Active Cards:
Chase Freedom 10+10 Visa Signature ($9k Limit - 8/2012)
Chase Sapphire Preferred ($10k Limit - 2/2013)
Chase Ink Plus ($7k Limit - 2/2013)
Discover IT ($9.5k Limit - 10/2012)
AMEX Zync (No Pre-set Limit - 1/2010)
AMEX Blue Cash Everyday ($20k Limit - 1/2013 - Backdate to 1/2010)

Centurion Member
Centurion Member
Posts: 725
Joined: Mon Oct 01, 2012 11:09 pm
Location: NJ

Postby Vermonster » Wed Nov 14, 2012 8:17 am

All New England states, and upstate NY, are same price cash or credit, so I typically use credit. Some places will offer a discount for cash or debit, so I use my debit then.

I had to learn to carry cash in NJ. Even though debit should get you the cash price, you aren't suppose to get out of the car, so you can't put your pin in. The first time my friend and I were in NJ we got out of the car to pump and the guy thought we were robbing him.
Chase Freedom $9k~~Chase Sapphire Preferred $6.5k~~Amex Blue Cash Preferred $12.4k~~Citi Double Cash $4.7k

Centurion Member
Centurion Member
Posts: 1332
Joined: Tue Jul 05, 2011 12:28 pm
Location: New York

Postby DavidNY » Wed Nov 14, 2012 9:19 am

I usually use my Sallie Mae card for 5% off gas unless the cash price would be more than the discount offered by the credit card.

In the case of using a 5% cash back card for $4.00/gal gas, the cash discount would need to be over 20 cents, in which case I'd pay cash, but usually the cash discount is about a dime. Many NY and NJ gas stations are moving to the two-price system.

It's perfectly legal to get out of the car at the pump in NJ, the only restriction is actually pumping the gas (a law which I've seen ignored many times by impatient drivers in NJ).

Centurion Member
Centurion Member
Posts: 793
Joined: Mon Oct 22, 2012 7:11 pm
Location: NY

Postby cashback » Wed Nov 14, 2012 9:20 am

10 cents off $4 gas is 2.5% savings. PenFed card is 5% cash back. So i go with credit every time.
Credit Cards
Amex BCE 25K ---- PenFed Platinum Rewards 15.5K --- US Bank Cash+ 12K --- Discover IT 6K --- Citi Dividend 5K --- Chase Freedom 12.5K --- Amex SPG 6K --- Citi Thank You Preferred 15K

Not Used
Citi Simplicity - 5K, Sam's Club Discover - 10K

Future Cards
Sallie Mae World Mastercard

Exp 772 - TU 781 - Equ 781

Centurion Member
Centurion Member
Posts: 362
Joined: Wed May 30, 2012 8:10 pm
Location: Baltimore

Postby Ratfacedudeguy » Wed Nov 14, 2012 10:20 am

Credit always. Even if I don't have a card that's giving me 5% back at the moment (like right now :'-( ) I pay credit, because to not have to remember to carry cash and replenish my cash stash, and to not have to wait in line to pay the cashier and then go back in and wait in line again to get my change is more valuable to me than the $1.40 I'd save filling up my 14 gallon tank.
Amex Green - NPSL - 05/12
Amex Zync - NPSL - 06/12
Discover it - $7750 - 11/12
Chase Sapphire Preferred Visa Signature - $5000 - 11/12
SECU Platinum Visa - $5000 - 08/08
Bank of America Cash Rewards Platinum Plus Visa - $3000 - 06/08
Citi Diamond Preferred Mastercard - $3000 - 05/12
GECRB Old Navy Visa - $2500 - 11/12
Chase Amazon Visa - $2000 - 11/12
Chase Freedom Visa - $2000 - 07/12
Citi Thank You Visa - $1000 - 06/12
Amex Blue Cash Everyday - $1000 - 01/13

User avatar
Gold Member
Gold Member
Posts: 28
Joined: Tue Sep 11, 2012 9:41 pm
Location: Florida

Postby waffled » Wed Nov 14, 2012 10:33 am

Credit. Here the price difference is 5cents so its just not enough to make up for the 3 or 5% cashback.
AMEX: Premier Rewards Gold, Delta Gold, Delta Platinum, Omaha.
Discover: IT
Mastercard: Capital One Platinum, Citi Diamond Preferred, Scotiabank
Visa: Chase Sapphire Preferred, Chase Freedom, Bank Americard Cash

Centurion Member
Centurion Member
Posts: 339
Joined: Fri May 11, 2012 4:08 pm
Location: Atlantic City, NJ

Postby hematino » Wed Nov 14, 2012 3:09 pm

Credit all day every day. I'm in southern Jersey and Super Wawas always charge same price for cash or credit, so I use my PenFed card.
Now she's eyeless.
The snakes she held once
Eat up her hands.

Centurion Member
Centurion Member
Posts: 249
Joined: Thu Jul 05, 2012 6:55 pm
Location: West Coast

Postby sakhalin » Wed Nov 14, 2012 4:35 pm

Credit. I never have cash on me and when I do, it's usually like 5 bucks or so. While most gas stations offer a 10 cent discount for cash/debit, I tend to go to the ones where there is no price distinction.
AMEX BCE ($20,000), Citi Forward ($6,800), Discover IT ($5,250), BoA Travel Rewards ($1,800)

Return to “General Credit Card Talk”

Who is online

Users browsing this forum: No registered users and 3 guests