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They appear with college absorption rates, beneath rewards and added headaches than acceptable acclaim cards, according to a address appear Tuesday by CreditCards.com.

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“The APRs on gas cards are alike college than abundance acclaim cards, which are already absolutely high,” said Matt Schulz, CreditCards.com’s chief industry analyst. “And aback you attending at the rewards you can get, compared with added cards, it looks like a appealing bad deal.”

The boilerplate anniversary absorption amount on a gas base branded acclaim agenda is 24%, compared with 15% for “general-purpose” acclaim cards.

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While gas cards action discounts aback you ample up the tank, those discounts become beneath admired as gasoline prices go up.

Related: America’s admired acclaim agenda aggregation is…

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The archetypal gas agenda offers a abatement of 10 cents per gallon of gas. That agency you save about 4% at the accepted civic boilerplate amount of $2.44 per gallon. You’re bigger off with acclaim cards that action 5% banknote aback on gasoline purchases.

And if prices were to edge aback up to $3 or more, the accumulation would still be 3% or less.

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Only a few gas cards action sign-up bonus, which about amounts to an added few cents off on gas for a aeon of 60 or 90 days.

That’s in adverse to the generally acceptable bonuses offered by added cards. Some airline sponsored acclaim cards action up to 50,000 chargeless afar aback you assurance up, said Schulz.

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Related: Retail acclaim agenda APRs boilerplate 23%

What’s more, gas cards appear with minimum spending requirements, banned on how abundant you can allegation and restrictions on what you can purchase, amid added things. At atomic the retail acclaim cards action rewards that action a array of choices.

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CreditCards.com advised the agreement of 20 acclaim agenda deals offered by Exxon (XOM), Chevron (CVX), Shell (RDSA), BP (BP) and others.

The accumulation begin that some acceptable acclaim cards accept bigger discounts on gasoline purchases. Chase Freedom, for example, is alms 5% aback on gas purchases this summer.

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CNNMoney (New York) First appear March 17, 2015: 9:41 AM ET

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