Business gas credit cards let you cash in at the pump with up to 3% cash back on fuel — a great feature for businesses that are constantly on the road, especially with average gas prices topping $3 nationwide.
Some business fuel cards offer high rewards rates but are pegged to a specific gas station, which may not be ideal for your business. Pick a small-business credit card that fits your spending to maximize your total rewards. That may be one that offers 2% cash back on fuel, but 5% on internet and phone services.
All of our selections for the best business credit cards for gas are chosen by our editorial team, which independently evaluates and rates cards based on fees, rewards rates and redemption options, among numerous other factors.
Note: Some of our selections 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.
Featured Partner
Capital One Spark Cash Plus
Apply now
on Capital One's website
Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Recommended Credit Score
720-850excellent
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
- Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
- Earn an annual $200 cash bonus every year you spend $200,000 or more—that's enough to cover your annual fee and then some
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- 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
Our Nerdy picks for
Up to 3% cash back at gas stations
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card2% cash back on gas, 5% on bonus categories
Ink Business Cash® Credit Card2% cash back on all purchases
Capital One Spark Cash Plus4X points at U.S. gas stations
Marriott Bonvoy Business® American Express® CardUp to 4X points at U.S. gas stations
American Express® Business Gold Card3% cash back at gas stations + long intro APR
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®Here are 6 business gas credit cards from our partners
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 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 2% cash back on gas, 5% on bonus categories | $0 | 1%-5% Cashback | $900 | Apply now on Chase's website |
Capital One Spark Cash Plus Apply now on Capital One's website | 4.4/5 Best for 2% cash back 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' website | 4.1/5 Best for 4X points at U.S. gas stations | $125 | 2x-6x Points | 75,000 Points | Apply now on American Express' website Rates & Fees |
American Express® Business Gold Card Apply now on American Express' website | 3.9/5 Best for Up to 4X points at U.S. gas stations | $295 | 1x-4x Points | 70,000 Points | Apply now on American Express' 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 at gas stations + long intro APR | $0 | 1%-3% Cashback | $500 | Apply now on US Bank's website Rates & Fees |
Our pick for
Up to 3% cash back at gas stations
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
720-850 (Excellent)
Pros
- No annual fee
- High rewards rate
- New cardholder bonus offer
- Rotating bonus categories
- Intro APR period
Cons
- Requires excellent credit
- Complicated rewards
- Foreign transaction fee
- Spending caps on bonus rewards
- Best rewards limited to certain customers
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
Apply now
on Bank of America's website
Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$300
Recommended Credit Score
720-850excellent
720-850 (Excellent)
Pros
- No annual fee
- High rewards rate
- New cardholder bonus offer
- Rotating bonus categories
- Intro APR period
Cons
- Requires excellent credit
- Complicated rewards
- Foreign transaction fee
- Spending caps on bonus rewards
- Best rewards limited to certain customers
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
720-850 (Excellent)
Pros
- No annual fee
- High rewards rate
- New cardholder bonus offer
- Rotating bonus categories
- Intro APR period
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 online bonus 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 16.49% to 26.49% 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% in 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.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
Apply now
on Bank of America's website
Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$300
Recommended Credit Score
720-850excellent
720-850 (Excellent)
Pros
- No annual fee
- High rewards rate
- New cardholder bonus offer
- Rotating bonus categories
- Intro APR period
Cons
- Requires excellent credit
- Complicated rewards
- Foreign transaction fee
- Spending caps on bonus rewards
- Best rewards limited to certain customers
Our pick for
2% cash back on gas, 5% on bonus categories
Ink Business Cash® Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$900
Recommended Credit Score
690-850good - excellent
690-850 (Good - 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
Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$900
Recommended Credit Score
690-850good - excellent
690-850 (Good - 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
Ink Business Cash® Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$900
Recommended Credit Score
690-850good - excellent
690-850 (Good - 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
- BEST OFFER EVER: Earn $900 bonus cash back after you spend $6,000 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
Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$900
Recommended Credit Score
690-850good - excellent
690-850 (Good - 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
2% cash back on all purchases
Capital One Spark Cash Plus
Read Review
Apply now
on Capital One's website
Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Recommended Credit Score
720-850excellent
720-850 (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
Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Recommended Credit Score
720-850excellent
720-850 (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
Capital One Spark Cash Plus
Read Review
Apply now
on Capital One's website
Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Recommended Credit Score
720-850excellent
720-850 (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
- 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
- Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
- Earn an annual $200 cash bonus every year you spend $200,000 or more—that's enough to cover your annual fee and then some
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- 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
Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Recommended Credit Score
720-850excellent
720-850 (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
4X points at U.S. gas stations
Marriott Bonvoy Business® American Express® Card
Annual fee
$125
Rewards rate
2x-6x Points
Intro offer
75,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
Pros
- Anniversary perk
- High rewards rate
- Automatic elite status
Cons
- Has annual fee
- Rewards have limited flexibility
- Lower acceptance abroad
Annual fee
$125
Rewards rate
2x-6x Points
Intro offer
75,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
Pros
- Anniversary perk
- High rewards rate
- Automatic elite status
Cons
- Has annual fee
- Rewards have limited flexibility
- Lower acceptance abroad
Marriott Bonvoy Business® American Express® Card
Annual fee
$125
Rewards rate
2x-6x Points
Intro offer
75,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
Pros
- Anniversary perk
- High rewards rate
- Automatic elite status
Cons
- Has annual fee
- Rewards have limited flexibility
- Lower acceptance abroad
- Welcome Offer: Earn 75,000 Bonus Marriott Bonvoy Points after you use your new Card to make $3,000 in purchases within the first 3 months of Card Membership.
- 6x points at hotels participating in the Marriott Bonvoy® program.
- 4x points for purchases made at restaurants worldwide, 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 a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply.
- Receive 1 Free Night Award every year after your Card renewal month. 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 Marriott Bonvoy®. Certain hotels have resort fees.
- Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card.
- Terms apply.
- View Rates & Fees
Annual fee
$125
Rewards rate
2x-6x Points
Intro offer
75,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
Pros
- Anniversary perk
- High rewards rate
- Automatic elite status
Cons
- Has annual fee
- Rewards have limited flexibility
- Lower acceptance abroad
Our pick for
Up to 4X points at U.S. gas stations
American Express® Business Gold Card
Annual fee
$295
Rewards rate
1x-4x Points
Intro offer
70,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - 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
Annual fee
$295
Rewards rate
1x-4x Points
Intro offer
70,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - 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
American Express® Business Gold Card
Annual fee
$295
Rewards rate
1x-4x Points
Intro offer
70,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - 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
- 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: Decide whether you want to pay eligible purchases in full each month—or pay over time with interest.*
- *Terms Apply
- View Rates & Fees
Annual fee
$295
Rewards rate
1x-4x Points
Intro offer
70,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - 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 at gas stations + long intro APR
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$500
Recommended Credit Score
690-850good - excellent
690-850 (Good - 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
Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$500
Recommended Credit Score
690-850good - excellent
690-850 (Good - 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
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$500
Recommended Credit Score
690-850good - excellent
690-850 (Good - 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
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- 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 purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 18.24% - 27.24%.
- No annual fee.
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- View Rates & Fees
Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$500
Recommended Credit Score
690-850good - excellent
690-850 (Good - 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: 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. Learn more and apply.Our pick for: 2% cash back 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. Learn more and apply.Our pick for: 2% cash back 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. And you can earn an extra welcome bonus, and qualify for an annual bonus, if you hit certain spending requirements. 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. Learn more and apply.Our pick for: 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. Learn more and apply.Our pick for: Up to 4X points at U.S. gas stations + 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. Learn more and apply.U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Our pick for: 3% cash back at gas stations + 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 18.24%-27.24% Variable APR
— all with a $0
annual fee. Learn more and apply.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.
Our pick for: Gas card for wholesale club members - 4% cash back on gas and EV charging
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). Learn more and apply.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.
If keeping a fleet of vehicles filled with fuel 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. (The national average, as of December 2022, is $3.10, according to AAA.)
But as gas prices rise, the value dwindles. And 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 January 30, 2023
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. Learn more about how we rate business credit cards.