Best card for Circle K
The highest rate on paper is American Express® Business Gold Card at 8.00% -- but it is a business card. For personal cards, Sam's Club® Mastercard® leads at 5.00%. On $100, that is about $5.00 back (estimate).
Circle K is a nationwide convenience-and-gas chain. It maps to gas, so gas rates are what this page ranks -- and the top rate comes with a business-card condition worth reading.
Best card · Gas / EV charging
Sam's Club® Mastercard®
5x × 1¢ = 5.00%
On $100, that is about $5.00 back (estimate).
Annual fee: $0.
Its 5% gas rate is capped at $6,000 per year, then drops to 1%, and a Sam's Club membership is required (catalog note).
Highest rate overall: American Express® Business Gold Card at 8.00% (business card). Its 4x applies to your top 2 of 6 business categories each billing cycle, not to every category at once.
Top 3 compared
| Card | Earn math | Estimated return | Annual fee | Foreign transaction fee |
|---|---|---|---|---|
| American Express® Business Gold Card (business card)Its 4x applies to your top 2 of 6 business categories each billing cycle, not to every category at once. | 4x × 2¢ | 8.00% | $375/yr | None |
| Sam's Club® Mastercard®Its 5% gas rate is capped at $6,000 per year, then drops to 1%, and a Sam's Club membership is required (catalog note). | 5x × 1¢ | 5.00% | $0 | None |
| Chase Sapphire Preferred® Card | 3x × 1.5¢ | 4.50% | $95/yr | None |
How is this ranking computed?
Effective return = category earn rate × point value. Example: 4x × 2.0¢ = 8.00% back (estimate).
Ranked across 91 cards open to new applicants in DanHana's catalog (debit cards and cards closed to new applicants excluded).
Every % here is an estimate: point values are catalog assumptions, and actual value depends on how you redeem.
A payment place's category comes from DanHana's merchant map; if a specific location codes differently, the card falls back to its everything rate.
This page ranks the full catalog. Inside DanHana, the same math re-ranks by the cards in your own wallet -- so your personal best at Circle K may differ.
Some bonus rates have annual caps -- the panel flags the ones that matter for the winners above.
Questions about paying at Circle K
What is the best card for Circle K?
The highest rate on paper is American Express® Business Gold Card at 8.00% -- but it is a business card. For personal cards, Sam's Club® Mastercard® leads at 5.00%. On $100, that is about $5.00 back (estimate).
Does the best gas rate work at every gas station?
Yes -- these are category rates for gas and EV charging, not station-specific deals, and Circle K maps to gas in DanHana's catalog. The top rate on this page is a business card whose 4x applies to your top 2 business categories each billing cycle, so a personal card's unconditional rate may suit you better. The personal pick here is Sam's Club® Mastercard® at 5.00%.
I already have the Chase Sapphire Preferred® Card. Should I switch?
Chase Sapphire Preferred® Card earns 4.50% -- about $0.50 less per $100 than the top card (estimate). No need to switch for this one category alone; it only pays if you spend a lot here.
Are these returns guaranteed?
No -- every figure here is an estimate. Point values are catalog assumptions (e.g. Membership Rewards 2.0¢, Ultimate Rewards 1.5¢, cash back 1.0¢), and your actual value depends on how you redeem. Bonus rates can have annual caps, and issuers change terms -- check the card's official terms before applying.
Sources
Page updated: October 28, 2026