Best card for Shell
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).
Gas is one of the few categories where a single card can pay 5% or more -- but the very top rate comes with conditions, so read the panel before picking on rate alone.
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 Shell may differ.
Some bonus rates have annual caps -- the panel flags the ones that matter for the winners above.
Questions about paying at Shell
What is the best card for Shell?
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 Shell 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.
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