Do You Earn Rewards on Propane and Heating Oil?
Fuel dealers are not gas stations
Home heating fuels like propane, heating oil, kerosene, and firewood are sold by fuel dealers that code under a fuel-dealer category, separate from the gas-station code that triggers a card’s gas bonus. So a heating-oil delivery or a bulk propane fill at your home usually earns only the base rate, even on a card with a strong gas category. The distinction matters, as explained in what counts as gas for rewards.
The gas-station exception
If you refill a propane tank at a gas station or convenience store, that purchase can ring up under the gas-station code and earn a fuel bonus, unlike a home delivery. So where you buy the propane changes whether the bonus applies. A card with a gas bonus is worth using at the pump-side propane exchange, per best gas cards.
The best card for home fuel
For scheduled propane or heating-oil deliveries, a strong flat-rate card earns the most, since the gas bonus rarely applies. Set the account to autopay and value points at a flat 1 cent. Compare flat-rate earners in best cash back cards.
Frequently asked questions
Related reading
