I don't use a gas card, specifically. We have 12 different cards, but only use 3. Target gets used at Target (5% off), Kohl's gets used at Kohl's (Kohl's Cash), and Capital One Quicksilver gets used for everything else. The only things that don't go on my credit card are a few utility bills, my older daughter's high school tuition, and my mortgage. Between what we save at Target and Kohl's, and my cash back from Capital One, it works out really well for us. Put almost $60k on our Capital One card last year. Haven't paid a dime in CC interest on any CC in close to 25 years.