Best credit card to use at Valvoline Instant Oil Change.

Picks without a tag earn at Valvoline Instant Oil Change both in-store and online. Watch for theOnline onlytag — those bonuses only apply on vioc.com.

1. #1
   
   Blue Cash EverydayOnline only

   American Express

   3% on online shopping (up to $6,000/year, then 1%)

   U.S. online retail purchases
   3%
2. #2
   
   Robinhood Gold

   Robinhood

   3% flat-rate cashback
   3%
3. #3
   
   Blue Business Cash from American Express

   American Express

   2% flat-rate cashback
   2%
4. #4
   
   Citi Double Cash

   Citi

   2% flat-rate cashback

   1% when you buy, 1% when you pay
   2%
5. #5
   
   Coinbase One

   First Electronic Bank

   2% flat-rate cashback

   Up to 4% with higher crypto balances on Coinbase; requires Coinbase One membership
   2%
6. #6
   
   Fidelity Rewards Visa Signature

   Elan Financial Services

   2% flat-rate cashback

   When deposited into an eligible Fidelity account
   2%
7. #7
   
   Graphite Business Cash Unlimited

   American Express

   2% flat-rate cashback

   Unlimited 2% cash back on eligible purchases
   2%
8. #8
   
   Navy Federal cashRewards Plus

   Navy Federal

   2% flat-rate cashback

   Issued on the cashRewards application when approved for a credit limit of $5,000 or more; lower limits receive cashRewards at 1.5%
   2%
9. #9
   
   PNC Cash Unlimited

   PNC

   2% flat-rate cashback
   2%
10. #10
    
    Smartly Visa Signature

    U.S. Bank

    2% flat-rate cashback
    2%
11. #11
    
    Wells Fargo Active Cash

    Wells Fargo

    2% flat-rate cashback
    2%
12. #12
    
    Wells Fargo Signify Business Cash

    Wells Fargo

    2% flat-rate cashback
    2%

Cards with selectable categories that include auto, including Citi Custom Cash and U.S. Bank Cash+, can route oil changes into a higher bonus rate. Drivers who spend heavily on gas may already carry the Costco Anywhere Visa or Sam's Club Mastercard, both of which pay elevated rates on gasoline but only base earn on service work like oil changes.

Last updated May 17, 2026