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Best Business Gas Credit Cards of February 2023

By Kelsey Sheehy
Last updated on January 30, 2023
Edited byRyan Lane

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

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

4.4
NerdWallet rating 
Apply now

on Capital One's website

Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Recommended Credit Score
720-850excellent

Our Nerdy picks for

2% cash back on gas, 5% on bonus categories

Ink Business Cash® Credit Card

2% cash back on all purchases

Capital One Spark Cash Plus

Up to 4X points at U.S. gas stations

American Express® Business Gold Card

3% 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

Sort by

Make selection

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

3.6
NerdWallet rating 
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

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

3.6/5
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

3.6
NerdWallet rating 
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)

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

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

3.6/5
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

5.0
NerdWallet rating 
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

Ink Business Cash® Credit Card

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

5.0/5
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

Ink Business Cash® Credit Card

5.0
NerdWallet rating 
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)

Ink Business Cash® Credit Card

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

5.0/5
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

Our pick for

2% cash back on all purchases

Capital One Spark Cash Plus

4.4
NerdWallet rating 
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

Capital One Spark Cash Plus

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

4.4/5
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

Capital One Spark Cash Plus

4.4
NerdWallet rating 
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)

Capital One Spark Cash Plus

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

4.4/5
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

Our pick for

4X points at U.S. gas stations

Marriott Bonvoy Business® American Express® Card

4.1
NerdWallet rating 
Read Review
Apply now

on American Express' website

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

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

4.1/5
Apply now

on American Express' website

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

4.1
NerdWallet rating 
Read Review
Apply now

on American Express' website

Annual fee
$125
Rewards rate
2x-6x Points
Intro offer
75,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

Marriott Bonvoy Business® American Express® Card

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

4.1/5
Apply now

on American Express' website

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

3.9
NerdWallet rating 
Read Review
Apply now

on American Express' website

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

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

3.9/5
Apply now

on American Express' website

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

3.9
NerdWallet rating 
Read Review
Apply now

on American Express' website

Annual fee
$295
Rewards rate
1x-4x Points
Intro offer
70,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

American Express® Business Gold Card

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

3.9/5
Apply now

on American Express' website

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®

4.7
NerdWallet rating 
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®

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

4.7/5
Apply now

on US Bank's website

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®

4.7
NerdWallet rating 
Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$500
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

4.7/5
Apply now

on US Bank's website

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.