BEST OF

Best Business Gas Credit Cards of November 2021

Kelsey SheehyOct 26, 2021

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Business gas credit cards let you cash in at the pump. If your small business is constantly on the road, opting for a business credit card with a strong rewards rate for gas station spending — at least 3% cash back — may make sense.

Consider all of your purchases. Small-business credit cards offer generous benefits for many business expenses, not just gas. Pick a card that will maximize your total rewards. That may be one that offers 2% cash back on fuel, but 5% on office supplies.

Factor in flexibility. Some business fuel credit cards offer high rewards rates but are pegged to a specific gas station, which may not be ideal for your business.

Some of our selections for the best business credit cards for gas can be applied for through NerdWallet, and some cannot. Below, you'll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.

NerdWallet's Best Business Gas Credit Cards of November 2021

Best Business Gas Credit Cards From Our Partners

Our pick for

Overall business gas card - Up to 3% cash back at gas stations

Bank of America® Business Advantage Cash Rewards Mastercard® credit card
Apply now

on Bank of America's website

Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card

4.0

NerdWallet rating 
Apply now

on Bank of America's website

Annual fee

$0

Rewards rate

1%-3%

Cashback

Intro offer

$300

Recommended Credit Score

Pros

  • No annual fee

  • High rewards rate

  • New cardholder bonus offer

  • Intro APR period

  • Rotating bonus categories

Cons

  • Requires excellent credit

  • Complicated rewards

  • Foreign transaction fee

  • Spending caps on bonus rewards

  • Best rewards limited to certain customers

  • Get a $300 statement credit after you make at least $3,000 in net purchases in the first 90 days of your account opening – with no annual fee and cash rewards don't expire

  • Earn 3% cash back in the category of your choice, 2% cash back on dining purchases and unlimited 1% cash back on all other purchases

  • You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter

  • 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 12.24% to 22.24% will apply.

  • Redeem your cash back as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you

  • Earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% on your selected choice category and up to 3.5% on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.

  • Contactless Cards - The security of a chip card, with the convenience of a tap

Read full review

Our pick for

Cash back bonus categories - 2% on gas, 5% on bonus categories

Chase Ink Business Cash Credit Card Credit Card
Apply now

on Chase's website

Ink Business Cash® Credit Card

4.4

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$0

Rewards rate

1%-5%

Cashback

Intro offer

$750

Recommended Credit Score

Pros

  • No annual fee

  • Intro APR period

  • New cardholder bonus offer

Cons

  • Requires good/excellent credit

  • Low rate outside bonus categories

  • Spending caps on bonus rewards

  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening

  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year

  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases

  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.

  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.

  • No Annual Fee

  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.

  • 0% introductory APR for 12 months on purchases

Read full review

Our pick for

Flat-rate cash back - 2% on all purchases

Capital One Spark Cash Plus
Apply now

on Capital One's website

Capital One Spark Cash Plus

4.7

NerdWallet rating 
Apply now

on Capital One's website

Annual fee

$150

Rewards rate

2%

Cashback

Intro offer

$1,000

Recommended Credit Score

Pros

  • Earns cash back on primary and employee cards

  • Rewards don’t expire

  • No foreign transaction fees

Cons

  • Balance must be paid in full every month

  • Has annual fee

  • Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening

  • Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions

  • Earn an annual $200 cash bonus every year you spend $200,000 or more

  • Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile

  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount

  • Add employee cards for free, and earn unlimited 2% cash back from their purchases

  • $150 annual fee

  • Spark Cash Plus has no APR because your balance is due in full every month

Read full review

Our pick for

Hotel credit card with 4X points at U.S. gas stations

Marriott Bonvoy Business™ American Express® Card
Apply now

on American Express's website

Marriott Bonvoy Business™ American Express® Card

5.0

NerdWallet rating 
Apply now

on American Express's website

Annual fee

$125

Rewards rate

2x-6x

Points

Intro offer

125,000

Points

Recommended Credit Score

Pros

  • Anniversary perk

  • High rewards rate

  • Automatic elite status

Cons

  • Has annual fee

  • Rewards have limited flexibility

  • Lower acceptance abroad

  • Limited Time Offer: Earn 125,000 Marriott Bonvoy bonus points & 2 bonus Free Night Awards after you use your new Card to make $5,000 in eligible purchases within the first 3 months. Each bonus Free Night Award has a redemption level up to 50K points. Certain hotels have resort fees. Offer ends 11/3/2021.

  • 6x points at hotels participating in the Marriott Bonvoy™ program.

  • 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases.

  • Receive 1 Free Night Award every year after your Card account anniversary. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at hotels participating in the Marriott Bonvoy™ program. Certain hotels have resort fees.

  • Enjoy complimentary Marriott Bonvoy Silver Elite status with your Card. Plus, earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year.

  • Terms apply.

  • View Rates & Fees
Read full review

Our pick for

Business gas credit cards with rewards - 4X points plus welcome offer

American Express Business Gold Rewards Card from American Express OPEN Credit Card
Apply now

on American Express's website

American Express® Business Gold Card

3.5

NerdWallet rating 
Apply now

on American Express's website

Annual fee

$295

Rewards rate

1x-4x

Points

Intro offer

70,000

Points

Recommended Credit Score

Pros

  • Bonus categories

  • Transfer partners

  • Luxury perks

  • Bonus categories

Cons

  • Has annual fee

  • Complicated rewards

  • Spending caps on bonus rewards

  • Requires good/excellent credit

  • Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*

  • MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **

  • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*

  • AIRLINE BONUS: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*

  • PAY OVER TIME OPTION: A flexible payment option with interest to help manage cash flow on purchases of $100 or more.*

  • *Terms Apply

  • View Rates & Fees
Read full review

Our pick for

3% cash back and long intro APR

U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard
Apply now

on US Bank's website

Annual fee

$0

Rewards rate

1%-3%

Cashback

Intro offer

$500

Recommended Credit Score

Pros

  • Bonus cash back categories

  • No annual fee

  • Intro APR period on purchases and balance transfers

Cons

    • Introducing the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® the card that gives back on all your eligible business needs.

    • Limited Time Offer: Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.

    • Earn 3% cash back on eligible purchases at gas stations, office supply stores, cell phone service providers and restaurants.

    • 1% cash back on all other eligible net purchases.

    • No limit on total cash back earned.

    • Rewards never expire.

    • Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks.

    • 0% Intro APR on purchase and balance transfers for 15 billing cycles. After that, a variable APR currently 13.99% - 22.99%.

    • No annual fee.

    • Great Offer from U.S. Bank, a 2021 World's Most Ethical Company® - Ethisphere Institute, February 2021

    • View Rates & Fees
    Read full review

    FULL LIST OF EDITORIAL PICKS: BEST BUSINESS CREDIT CARDS FOR BAD CREDIT

    Click the card name to read our review. Before applying, confirm details on the issuer’s website.

    Our pick for: Overall business gas card - Up to 3% cash back at gas stations

    The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card gives entrepreneurs a little control over their credit card rewards by letting them choose which category earns the highest cash-back rate. Options include gas stations, office supplies, travel, computer services and more. There are also bonus rewards on dining and no annual fee. Read our review.

    Our pick for: Cash back bonus categories - 2% on gas, 5% on bonus categories

    If your business's spending matches the bonus categories on the Ink Business Cash® Credit Card, you can rack up some serious cash back. (If not, then look elsewhere.) There's an excellent sign-up bonus for a no-annual-fee cash-back card, plus an introductory APR period for purchases. Read our review. 

    Our pick for: Flat-rate cash back - 2% on all purchases

    The Capital One Spark Cash Plus is an excellent option for business operators whose expenses don't fall into the bonus categories on other business credit cards. You get a high, flat rewards rate on every purchase, with no limit to how much you can earn. Just make sure that you can pay off your spending in full each month, as this is a charge card that doesn't let you revolve a balance. Read our review.

    Our pick for: Hotel credit card with 4X points at U.S. gas stations

    The Marriott Bonvoy Business™ American Express® Card can pay for itself just with the automatic free night's stay every year. Add in automatic elite status, generous rewards, a dandy welcome bonus and more, and it's hard to go wrong. Terms apply. Read our review.

    Our pick for: Business gas credit cards with rewards - 4X points plus welcome offer

    The rewards on the American Express® Business Gold Card adjust according to your spending: The card has six bonus categories, such as travel, U.S. restaurants and U.S. gas stations. You automatically earn bonus rewards in the two categories where you spend the most each month. That can translate into outstanding rewards, as long as your business spends money in those categories. If it doesn't, the steep annual fee probably isn't worth it. Read our review.

    Our pick for: 3% cash back and long intro APR

    The U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® is a solid cash-back card for business owners. Earn 3% cash back on eligible purchases at gas stations, office supply stores, cell phone service providers and restaurants. Earn 1% cash back on all other eligible net purchases. Plus, the card offers a competitive welcome bonus and 0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 Billing Cycles, and then the ongoing APR of 13.99% - 22.99% Variable APR — all with a $0 annual fee. Read our review.

    Wells Fargo Business Secured Credit Card

    Our pick for: Business gas cards for bad credit - 1.5X points on all purchases

    If you’re interested in cash rewards, the Wells Fargo Business Secured Credit Card offers 1.5% back for every $1 spent with no maximum. You can also opt for points-based rewards, with each dollar worth a point. You’ll earn a bonus 1,000 points by spending more than $1,000 in a monthly billing period. Wells Fargo does not charge an annual fee for this card.

    The information related to the Wells Fargo Business Secured Credit Card has been collected by NerdWallet and has not been reviewed or provided by the issuer or provider of this product or service.

    Costco Anywhere Visa® Card by Citi

    Our pick for: Gas card for wholesale club members - 4% cash back on gas 

    The Costco Anywhere Visa® Card by Citi turns everyday spending into rewards you can redeem at Costco (although you can only redeem them once a year). You earn bonus rewards on gas, at restaurants, on travel and at Costco itself. There's no annual fee for the card, but you have to be a Costco member (which does require a fee). Read our review.

    Is a business gas credit card right for you?

    Before going all-in on a gas credit card for your business, examine your books and determine where your company does the bulk of its spending.

    Are you wining and dining clients or on a first-name basis with the office supply store? How your business spends can help you narrow down the best business credit cards for your company.

    If keeping a fleet of vehicles filled with fuel or gas is among your primary expenses, a business gas credit card can be a no-brainer. But if your primary business expenses fall across multiple categories, a straightforward cash-back business credit card might yield greater rewards.

    Should you get a branded business gas card?

    Think twice before picking a fuel card that pigeonholes you into a specific gas station. Branded business gas cards from Shell and ExxonMobil, for example, offer a fuel discount of 6 cents per gallon. That works out to 2% savings, assuming gas prices hover around $3 per gallon. But you can earn those rewards only at that specific gas station chain. You’ll get better perks and more flexibility with a general business credit card.

    Branded gas cards aren’t always a no-go, though. If your employees are on the road and you want to keep spending in check, a branded gas card may do the trick. These cards can typically be used only at gas stations. And you can control when, where and what the card is used for, an appealing feature for some business owners.

    Last updated on October 26, 2021

    Methodology

    NerdWallet's Credit Cards team selects the best credit cards for small business based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of small-business operators. Factors in our evaluation include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as special financing arrangements, free cards for employees or tools for managing business expenses.