Here are 6 options for you
Credit card | NerdWallet rating | Annual fee | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card Apply now on Bank of America's website | 3.6/5 Best for Overall business gas card - Up to 3% cash back at gas stations | $0 | 1%-3% Cashback | $300 | Apply now on Bank of America's website |
Ink Business Cash® Credit Card Apply now on Chase's website | 5.0/5 Best for Cash back bonus categories - 2% on gas, 5% on bonus categories | $0 | 1%-5% Cashback | $750 | Apply now on Chase's website |
Capital One Spark Cash Plus Apply now on Capital One's website | 4.4/5 Best for Flat-rate cash back - 2% on all purchases | $150 | 2%-5% Cashback | $1,000 | Apply now on Capital One's website |
Marriott Bonvoy Business™ American Express® Card Apply now on American Express's website | 4.1/5 Best for Hotel credit card with 4X points at U.S. gas stations | $125 | 2x-6x Points | 100,000 Points | Apply now on American Express's website Rates & Fees |
American Express® Business Gold Card Apply now on American Express's website | 3.9/5 Best for Business gas credit cards with rewards - 4X points plus welcome offer | $295 | 1x-4x Points | 70,000 Points | Apply now on American Express's website Rates & Fees |
U.S. Bank Business Triple Cash Rewards World Elite Mastercard® Apply now on US Bank's website | 4.7/5 Best for 3% cash back and long intro APR | $0 | 1%-3% Cashback | $500 | Apply now on US Bank's website Rates & Fees |
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.
Our pick for
Overall business gas card - Up to 3% cash back at gas stations
Read Review
Apply now
on Bank of America's website
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
Read Review
Apply now
on Bank of America's website
Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$300
Recommended Credit Score
720-850excellent
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
Our pick for
Cash back bonus categories - 2% on gas, 5% on bonus categories
Read Review
Apply now
on Chase's website
Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$750
Recommended Credit Score
690-850good - excellent
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
Our pick for
Flat-rate cash back - 2% on all purchases
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Apply now
on Capital One's website
Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Recommended Credit Score
690-850good - excellent
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
Our pick for
Hotel credit card with 4X points at U.S. gas stations
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Apply now
on American Express's website
Marriott Bonvoy Business™ American Express® Card
Read Review
Apply now
on American Express's website
Annual fee
$125
Rewards rate
2x-6x Points
Intro offer
100,000 Points
Recommended Credit Score
690-850good - excellent
Pros
- Anniversary perk
- High rewards rate
- Automatic elite status
Cons
- Has annual fee
- Rewards have limited flexibility
- Lower acceptance abroad
Our pick for
Business gas credit cards with rewards - 4X points plus welcome offer
Read Review
Apply now
on American Express's website
American Express® Business Gold Card
Read Review
Apply now
on American Express's website
Annual fee
$295
Rewards rate
1x-4x Points
Intro offer
70,000 Points
Recommended Credit Score
690-850good - excellent
Pros
- Bonus categories
- Transfer partners
- Luxury perks
- Bonus categories
Cons
- Has annual fee
- Complicated rewards
- Spending caps on bonus rewards
- Requires good/excellent credit
Our pick for
3% cash back and long intro APR
Read Review
Apply now
on US Bank's website
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Read Review
Apply now
on US Bank's website
Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$500
Recommended Credit Score
690-850good - excellent
Pros
- Bonus cash back categories
- No annual fee
- Intro APR period on purchases and balance transfers
Cons
- Requires good/excellent credit
- Low rate outside bonus categories
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 offer 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 14.74%-23.74% 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 May 17, 2022
To recap our selections...
Best Business Gas Credit Cards of May 2022
- Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card: Best for Overall business gas card - Up to 3% cash back at gas stations
- Ink Business Cash® Credit Card: Best for Cash back bonus categories - 2% on gas, 5% on bonus categories
- Capital One Spark Cash Plus: Best for Flat-rate cash back - 2% on all purchases
- Marriott Bonvoy Business™ American Express® Card: Best for Hotel credit card with 4X points at U.S. gas stations
- American Express® Business Gold Card: Best for Business gas credit cards with rewards - 4X points plus welcome offer
- U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Best for 3% cash back and long intro APR
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.