Best Business Gas Credit Cards of November 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.
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.
Best 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 | 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 | 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 | Best for Flat-rate cash back - 2% on all purchases | $150 | 2% Cashback | $1,000 | Apply now on Capital One's website |
 Marriott Bonvoy Business™ American Express® Card Apply now on American Express's website | Best for Hotel credit card with 4X points at U.S. gas stations | $125 | 2x-6x Points | 125,000 Points | Apply now on American Express's website |
 American Express® Business Gold Card Apply now on American Express's website | 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 |
 U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® Apply now on US Bank's website | Not yet rated Best for 3% cash back and long intro APR | $0 | 1%-3% Cashback | $500 | Apply now on US Bank's website |
Our pick for
Overall business gas card - Up to 3% cash back at gas stations
on Bank of America's website
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
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
Our pick for
Cash back bonus categories - 2% on gas, 5% on bonus categories
on Chase's website
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
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
Our pick for
Flat-rate cash back - 2% on all purchases
on Capital One's website
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
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
Our pick for
Hotel credit card with 4X points at U.S. gas stations
on American Express's website
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
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
Our pick for
Business gas credit cards with rewards - 4X points plus welcome offer
on American Express's website
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
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
Our pick for
3% cash back and long intro APR
on US Bank's website
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
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
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.
