Best credit card to use at Pep Boys.
Pep Boys operates roughly 800 auto parts and service centers across the United States, combining a parts counter with tire installation, oil changes, brake work, and full-service mechanical repair. Most credit cards code Pep Boys purchases as auto services or general retail rather than as a dedicated bonus category, so flat-rate cards like the Citi Double Cash often deliver the cleanest 2 percent.
Picks without a tag earn at Pep Boys both in-store and online. Watch for theOnline onlytag — those bonuses only apply on pepboys.com.
- #1Blue Cash EverydayOnline onlyAmerican Express3% on online shopping (up to $6,000/year, then 1%)U.S. online retail purchases3%
- #23%
- #32%
- #42%
- #5First Electronic Bank2% flat-rate cashbackUp to 4% with higher crypto balances on Coinbase; requires Coinbase One membership2%
- #6Elan Financial Services2% flat-rate cashbackWhen deposited into an eligible Fidelity account2%
- #7American Express2% flat-rate cashbackUnlimited 2% cash back on eligible purchases2%
- #8Navy Federal2% flat-rate cashbackIssued on the cashRewards application when approved for a credit limit of $5,000 or more; lower limits receive cashRewards at 1.5%2%
- #92%
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- #112%
- #122%
Cards with selectable categories can reach Pep Boys when the right bucket is chosen. Bank of America Customized Cash and U.S. Bank Cash+ both have wider categories that may capture auto service spending, and Citi Custom Cash pays 5 percent on the top eligible spending category for cardholders whose monthly spend skews toward vehicle maintenance.
Last updated May 17, 2026