Best Gas Cards for Business of April 2026
We looked at close to 70 business cards to find the best options for gas, diesel and EV charging. Our top picks deliver at least 2% back, 5X points or strong per-gallon rebates.
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Best business gas cards
Here are our complete picks, in alphabetical order:
- American Express® Business Gold Card: Best for up to 4X points at U.S. gas stations.
- Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card: Best for up to 3% cash back on gas, EV charging.
- Capital One Spark Cash Plus: Best for 2% cash back on all purchases + no preset spending limit.
- Coast Fleet Card: Best for fleet card (up to 10 cents off per gallon).
- Costco Anywhere Visa® Business Card by Citi: Best gas card for wholesale club members - 4% cash back on gas, EV charging.
- IHG One Rewards Premier Business Credit Card: Best for 5X points at gas stations.
- Ink Business Cash® Credit Card: Best for 2% cash back on gas, 5% on bonus categories.
- Marriott Bonvoy Business® American Express® Card: Best for 4X points at U.S. gas stations.
- Shell Small Business Card: Best for fleet card for volume-based discounts (up to 6 cents off per gallon).
- The Hilton Honors American Express Business Card: Best for up to 5X points on gas, EV charging.
- U.S. Bank Business Altitude® Connect Visa Signature® Card: Best for 4X points gas, EV charging.
- U.S. Bank Triple Cash Rewards Visa® Business Card: Best for 3% cash back at gas stations.
- WEX Fleet FlexCard: Best for fleet card with large network of stations.
You can apply for the cards highlighted below via NerdWallet's partners. Those relationships do not influence our editorial team's selections. Our small-business writers and editors chose the best gas cards for business based on their independent research and ratings.
Ink Business Cash® Credit Card
Best for 2% cash back on gas, 5% on bonus categories
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$750
on Chase's website
Rates & Fees
Pros
- Intro APR period
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- Low rate outside bonus categories
- Spending caps on bonus rewards
American Express® Business Gold Card
Best for Up to 4X points at U.S. gas stations
Annual fee
$375
Rewards rate
1x-4x
Points
Intro offer
100,000
Points
on American Express' website
Rates & Fees
Pros
- Transfer partners
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- High annual fee
- Complicated rewards
- Spending caps on bonus rewards
Capital One Spark Cash Plus
Best for 2% cash back on all purchases + no preset spending limit
Annual fee
$150
Rewards rate
2%-5%
Cashback
Intro offer
$2,000
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- No preset spending limit
- No foreign transaction fees
- New cardholder bonus offer
Cons
- High annual fee
- Balance must be paid in full every month
- High spending requirement to hit bonuses
- Requires excellent credit
Coast Fleet Card
Best for Fleet card (up to 10 cents off per gallon at partner stations)
Annual fee
Monthly fee of $4 per active user
Rewards rate
1¢-10¢
Intro offer
N/A
on Coast's website
Pros
- 4 to 10 cents per gallon back at partner stations; 1 cent back at non-partner stations
- Cash back on nonfuel purchases
- Automatically captures number of gallons, grade and receipts
- Fleet specific controls, reporting and integrations
- No personal guarantee
Cons
- Monthly fee of $4 per active user
- Balance must be paid in full every month
- Fuel rebates vary by partner and location
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
Best for Up to 3% cash back on gas, EV charging
Annual fee
$0
Rewards rate
1%-3%
Cashback
Intro offer
$500
on Bank of America's website
Pros
- No annual fee
- High rewards rate in bonus categories
- New cardholder bonus offer
- Bonus rewards for qualifying Preferred Rewards for Business members
Cons
- Requires excellent credit
- Complicated rewards
- Spending caps on bonus rewards
- Multiple accounts, high combined balance required to get Preferred Rewards bonus
U.S. Bank Triple Cash Rewards Visa® Business Card
Best for 3% cash back at gas stations
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$750
on U.S. Bank's website
Rates & Fees
Pros
- High cash-back bonus rate
- No cap on bonus rewards
- Intro APR period on purchases and balance transfers
- Reports to Dun & Bradstreet
- New cardholder bonus offer
Cons
- Low rate outside bonus categories
- Activity on employee cards does not count toward bonus spending requirement
The Hilton Honors American Express Business Card
Best for 5X points on your first $100K in non-Hilton spending
Annual fee
$195
Rewards rate
3x-12x
Points
Intro offer
175,000 Points + Free Night Reward
Points
on American Express' website
Rates & Fees
Pros
- High rewards rate
- Automatic elite status
- New cardholder bonus offer
- Annual Hilton travel credit
Cons
- High annual fee
- No free anniversary night
- Rewards have limited flexibility
Marriott Bonvoy Business® American Express® Card
Best for 4X points at U.S. gas stations
Annual fee
$125
Rewards rate
2x-6x
Points
Intro offer
Up to 5 Free Night Awards
on American Express' website
Rates & Fees
Pros
- High rewards rate
- Automatic elite status
- Free night reward on cardholder anniversary
- New cardholder bonus offer
Cons
- Rewards have limited flexibility
IHG One Rewards Premier Business Credit Card
Best for 5X points at gas stations
Annual fee
$99
Rewards rate
3x-26x
Points
Intro offer
Up to 200,000 Points
on Chase's website
Rates & Fees
Pros
- High rewards rate
- Automatic elite status
- New cardholder bonus offer
- Free night reward on cardholder anniversary
- Statement credit for Global Entry, TSA PreCheck® or NEXUS
Cons
- Has annual fee
- Rewards have limited flexibility
- Low point redemption value
U.S. Bank Business Altitude® Connect Visa Signature® Card
Best for 4X points on gas, EV charging
Annual fee
$0 intro for the first year, then $95
Rewards rate
1x-5x
Points
Intro offer
75,000
Points
on U.S. Bank's website
Rates & Fees
Pros
- New cardholder bonus offer
- High bonus rewards rate
- Annual fee waived for the first year
- Reports to Dun & Bradstreet
Cons
- No intro APR offer
- Activity on employee cards does not count toward bonus spending requirement
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Cash Back - Points
- No Annual Fee
- 0% intro APR
- Excellent (720+)
- Good (690+)
- Fair (630+)
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Ink Business Cash® Credit Card
Best for 2% cash back on gas, 5% on bonus categories
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$750
on Chase's website
Rates & Fees
Pros
- Intro APR period
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- Low rate outside bonus categories
- Spending caps on bonus rewards
You'll earn 2% back on the first $25,000 in combined spending at gas stations and restaurants. Plus, 5% on the first $25,000 spent each year in other areas, like office supplies and telecom services.
- Earn $750 when you spend $6,000 on purchases in the first three months after 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 on dining and gas each account anniversary year. Earn 1% cash back on all other purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Complimentary three-month lnstacart+ membership.
- 0% introductory APR for 12 months on purchases
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
Rates & Fees
Pros
- Intro APR period
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- Low rate outside bonus categories
- Spending caps on bonus rewards
You'll earn 2% back on the first $25,000 in combined spending at gas stations and restaurants. Plus, 5% on the first $25,000 spent each year in other areas, like office supplies and telecom services.
- Earn $750 when you spend $6,000 on purchases in the first three months after 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 on dining and gas each account anniversary year. Earn 1% cash back on all other purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Complimentary three-month lnstacart+ membership.
- 0% introductory APR for 12 months on purchases
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
Rates & Fees
Pros
- Intro APR period
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- Low rate outside bonus categories
- Spending caps on bonus rewards
American Express® Business Gold Card
Best for Up to 4X points at U.S. gas stations
Annual fee
$375
Rewards rate
1x-4x
Points
Intro offer
100,000
Points
on American Express' website
Rates & Fees
Pros
- Transfer partners
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- High annual fee
- Complicated rewards
- Spending caps on bonus rewards
Use this card exclusively for gas, and you can earn 4X points on the first $150,000 spent each year. Don't spend that much on gas? The 4X rate applies to your top two spending areas (from eligible categories). There's also a huge welcome offer, which easily offsets the annual fee.
- Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.*
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
- The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
- *Terms Apply
Rates & Fees
Pros
- Transfer partners
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- High annual fee
- Complicated rewards
- Spending caps on bonus rewards
Use this card exclusively for gas, and you can earn 4X points on the first $150,000 spent each year. Don't spend that much on gas? The 4X rate applies to your top two spending areas (from eligible categories). There's also a huge welcome offer, which easily offsets the annual fee.
- Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.*
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
- The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
- *Terms Apply
Rates & Fees
Pros
- Transfer partners
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- High annual fee
- Complicated rewards
- Spending caps on bonus rewards
Capital One Spark Cash Plus
Best for 2% cash back on all purchases + no preset spending limit
Annual fee
$150
Rewards rate
2%-5%
Cashback
Intro offer
$2,000
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- No preset spending limit
- No foreign transaction fees
- New cardholder bonus offer
Cons
- High annual fee
- Balance must be paid in full every month
- High spending requirement to hit bonuses
- Requires excellent credit
With 2% back on all purchases and no preset spending limit, there's no ceiling to how much you can earn. You can also earn a massive welcome offer and additional perks and credit if you hit certain spending thresholds. Note: This is a charge card that must be paid in full each month.
- Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
- Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
- Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
- Enjoy big purchasing power so you can spend more and earn more rewards. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
- Streamline your accounts payable process, employee spending, and more from your online account with free business management tools
- Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards
- $150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
- Spark Cash Plus has no APR because your balance is due in full every month
- For businesses that need large spending capacity and want to maximize cash back
- Top rated mobile app
Rates & Fees
Pros
- High rewards rate
- No preset spending limit
- No foreign transaction fees
- New cardholder bonus offer
Cons
- High annual fee
- Balance must be paid in full every month
- High spending requirement to hit bonuses
- Requires excellent credit
With 2% back on all purchases and no preset spending limit, there's no ceiling to how much you can earn. You can also earn a massive welcome offer and additional perks and credit if you hit certain spending thresholds. Note: This is a charge card that must be paid in full each month.
- Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
- Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
- Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
- Enjoy big purchasing power so you can spend more and earn more rewards. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
- Streamline your accounts payable process, employee spending, and more from your online account with free business management tools
- Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards
- $150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
- Spark Cash Plus has no APR because your balance is due in full every month
- For businesses that need large spending capacity and want to maximize cash back
- Top rated mobile app
Rates & Fees
Pros
- High rewards rate
- No preset spending limit
- No foreign transaction fees
- New cardholder bonus offer
Cons
- High annual fee
- Balance must be paid in full every month
- High spending requirement to hit bonuses
- Requires excellent credit
Coast Fleet Card
Best for Fleet card (up to 10 cents off per gallon at partner stations)
Annual fee
Monthly fee of $4 per active user
Rewards rate
1¢-10¢
Intro offer
N/A
on Coast's website
Pros
- 4 to 10 cents per gallon back at partner stations; 1 cent back at non-partner stations
- Cash back on nonfuel purchases
- Automatically captures number of gallons, grade and receipts
- Fleet specific controls, reporting and integrations
- No personal guarantee
Cons
- Monthly fee of $4 per active user
- Balance must be paid in full every month
- Fuel rebates vary by partner and location
You'll earn rebates of 4 to 10 cents per gallon at select partner stations, including Exxon, Mobil, 7-Eleven and Casey's, and 1 cent at non-partner stations. You'll also get 1% back on non-fuel purchases like maintenance and equipment or at restaurants and hotels. Coast cards can be used anywhere Visa is accepted (at gas stations, they can only be used to purchase fuel). There is a monthly fee of $4 per active card.
- 4¢-10¢ per gallon rebate at 30,000+ partner stations nationwide, including Exxon, Mobil, 7-Eleven, Circle-K, Casey's, and more. 1¢ per gallon rebate at non-partner stations.
- 1% cashback on all non-fuel purchases.
- $25,000/year protection against fuel fraud losses.
- Built for fleets, with precise and flexible card limits to prevent fuel fraud and wasteful spending.
- Average savings of 10% when switching from another payment method based on customer survey.*
- Get real-time alerts on suspicious fuel transactions.
- Lock to fuel only or unlock additional purchase categories with precise spend controls.
- Integrations into popular telematics and fleet management software like Samsara, Azuga, OneStepGPS, Fleetio, Geotab, and others.
Pros
- 4 to 10 cents per gallon back at partner stations; 1 cent back at non-partner stations
- Cash back on nonfuel purchases
- Automatically captures number of gallons, grade and receipts
- Fleet specific controls, reporting and integrations
- No personal guarantee
Cons
- Monthly fee of $4 per active user
- Balance must be paid in full every month
- Fuel rebates vary by partner and location
You'll earn rebates of 4 to 10 cents per gallon at select partner stations, including Exxon, Mobil, 7-Eleven and Casey's, and 1 cent at non-partner stations. You'll also get 1% back on non-fuel purchases like maintenance and equipment or at restaurants and hotels. Coast cards can be used anywhere Visa is accepted (at gas stations, they can only be used to purchase fuel). There is a monthly fee of $4 per active card.
- 4¢-10¢ per gallon rebate at 30,000+ partner stations nationwide, including Exxon, Mobil, 7-Eleven, Circle-K, Casey's, and more. 1¢ per gallon rebate at non-partner stations.
- 1% cashback on all non-fuel purchases.
- $25,000/year protection against fuel fraud losses.
- Built for fleets, with precise and flexible card limits to prevent fuel fraud and wasteful spending.
- Average savings of 10% when switching from another payment method based on customer survey.*
- Get real-time alerts on suspicious fuel transactions.
- Lock to fuel only or unlock additional purchase categories with precise spend controls.
- Integrations into popular telematics and fleet management software like Samsara, Azuga, OneStepGPS, Fleetio, Geotab, and others.
Pros
- 4 to 10 cents per gallon back at partner stations; 1 cent back at non-partner stations
- Cash back on nonfuel purchases
- Automatically captures number of gallons, grade and receipts
- Fleet specific controls, reporting and integrations
- No personal guarantee
Cons
- Monthly fee of $4 per active user
- Balance must be paid in full every month
- Fuel rebates vary by partner and location
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
Best for Up to 3% cash back on gas, EV charging
Annual fee
$0
Rewards rate
1%-3%
Cashback
Intro offer
$500
on Bank of America's website
Pros
- No annual fee
- High rewards rate in bonus categories
- New cardholder bonus offer
- Bonus rewards for qualifying Preferred Rewards for Business members
Cons
- Requires excellent credit
- Complicated rewards
- Spending caps on bonus rewards
- Multiple accounts, high combined balance required to get Preferred Rewards bonus
This card offers 3% back in the bonus category of your choice, but the default option is gas stations and EV charging stations. And if you qualify for Bank of America® Preferred Rewards for Business, that rate could be as high as 5.25% back. Note: Bonus rewards top out at $50,000 in combined spending, annually.
- $500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
- Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You'll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), and 1% cash back on all other purchases.
- You can 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% cash back in your selected choice category and up to 3.5% cash back 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.
- No annual fee.
- Choose how to redeem your cash rewards-as a deposit into your eligible Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire as long as your account remains open.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% will apply.
- 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.
Pros
- No annual fee
- High rewards rate in bonus categories
- New cardholder bonus offer
- Bonus rewards for qualifying Preferred Rewards for Business members
Cons
- Requires excellent credit
- Complicated rewards
- Spending caps on bonus rewards
- Multiple accounts, high combined balance required to get Preferred Rewards bonus
This card offers 3% back in the bonus category of your choice, but the default option is gas stations and EV charging stations. And if you qualify for Bank of America® Preferred Rewards for Business, that rate could be as high as 5.25% back. Note: Bonus rewards top out at $50,000 in combined spending, annually.
- $500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
- Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You'll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), and 1% cash back on all other purchases.
- You can 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% cash back in your selected choice category and up to 3.5% cash back 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.
- No annual fee.
- Choose how to redeem your cash rewards-as a deposit into your eligible Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire as long as your account remains open.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% will apply.
- 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.
Pros
- No annual fee
- High rewards rate in bonus categories
- New cardholder bonus offer
- Bonus rewards for qualifying Preferred Rewards for Business members
Cons
- Requires excellent credit
- Complicated rewards
- Spending caps on bonus rewards
- Multiple accounts, high combined balance required to get Preferred Rewards bonus
U.S. Bank Triple Cash Rewards Visa® Business Card
Best for 3% cash back at gas stations
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$750
on U.S. Bank's website
Rates & Fees
Pros
- High cash-back bonus rate
- No cap on bonus rewards
- Intro APR period on purchases and balance transfers
- Reports to Dun & Bradstreet
- New cardholder bonus offer
Cons
- Low rate outside bonus categories
- Activity on employee cards does not count toward bonus spending requirement
This is the best overall gas card for cash back for a reason. You get 3% back at gas stations and EV charging stations (transactions of $200 or less), as well as other spending categories like restaurants and cell phone service providers, with no spending cap. There's also a competitive welcome offer and long intro APR period. Note: The 3% bonus rate does not apply to gas/EV charging at discount stores or wholesale clubs.
- Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Rates & Fees
Pros
- High cash-back bonus rate
- No cap on bonus rewards
- Intro APR period on purchases and balance transfers
- Reports to Dun & Bradstreet
- New cardholder bonus offer
Cons
- Low rate outside bonus categories
- Activity on employee cards does not count toward bonus spending requirement
This is the best overall gas card for cash back for a reason. You get 3% back at gas stations and EV charging stations (transactions of $200 or less), as well as other spending categories like restaurants and cell phone service providers, with no spending cap. There's also a competitive welcome offer and long intro APR period. Note: The 3% bonus rate does not apply to gas/EV charging at discount stores or wholesale clubs.
- Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Rates & Fees
Pros
- High cash-back bonus rate
- No cap on bonus rewards
- Intro APR period on purchases and balance transfers
- Reports to Dun & Bradstreet
- New cardholder bonus offer
Cons
- Low rate outside bonus categories
- Activity on employee cards does not count toward bonus spending requirement
The Hilton Honors American Express Business Card
Best for 5X points on your first $100K in non-Hilton spending
Annual fee
$195
Rewards rate
3x-12x
Points
Intro offer
175,000 Points + Free Night Reward
Points
on American Express' website
Rates & Fees
Pros
- High rewards rate
- Automatic elite status
- New cardholder bonus offer
- Annual Hilton travel credit
Cons
- High annual fee
- No free anniversary night
- Rewards have limited flexibility
You'll get 5X points on your first $100,000 in non-Hilton spending each year, including gas and EV charging. But points and other card perks, like statement credits and elite status, are really only valuable if you stay at Hilton properties.
- Earn 175,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $8,000 in purchases on the Hilton Honors Business Card in the first six months of Card Membership. Offer ends 4/15/2026.
- Get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card.
- Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors™ Gold Status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay.
- Earn 12X Hilton Honors Bonus Points on eligible purchases made directly with hotels and resorts within the Hilton portfolio.
- Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X Points thereafter.
- You may receive an upgrade to Hilton Honors™ Diamond Status through the end of the next calendar year if the total eligible purchases that you spend on your Card Account during a calendar year reach $40,000 or more.
- Terms apply.
Rates & Fees
Pros
- High rewards rate
- Automatic elite status
- New cardholder bonus offer
- Annual Hilton travel credit
Cons
- High annual fee
- No free anniversary night
- Rewards have limited flexibility
You'll get 5X points on your first $100,000 in non-Hilton spending each year, including gas and EV charging. But points and other card perks, like statement credits and elite status, are really only valuable if you stay at Hilton properties.
- Earn 175,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $8,000 in purchases on the Hilton Honors Business Card in the first six months of Card Membership. Offer ends 4/15/2026.
- Get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card.
- Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors™ Gold Status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay.
- Earn 12X Hilton Honors Bonus Points on eligible purchases made directly with hotels and resorts within the Hilton portfolio.
- Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X Points thereafter.
- You may receive an upgrade to Hilton Honors™ Diamond Status through the end of the next calendar year if the total eligible purchases that you spend on your Card Account during a calendar year reach $40,000 or more.
- Terms apply.
Rates & Fees
Pros
- High rewards rate
- Automatic elite status
- New cardholder bonus offer
- Annual Hilton travel credit
Cons
- High annual fee
- No free anniversary night
- Rewards have limited flexibility
Marriott Bonvoy Business® American Express® Card
Best for 4X points at U.S. gas stations
Annual fee
$125
Rewards rate
2x-6x
Points
Intro offer
Up to 5 Free Night Awards
on American Express' website
Rates & Fees
Pros
- High rewards rate
- Automatic elite status
- Free night reward on cardholder anniversary
- New cardholder bonus offer
Cons
- Rewards have limited flexibility
A good choice if you want to turn gas purchases into free hotel stays, this card earns 4X points at U.S. gas stations (and other categories). You can also snag a nice welcome offer and earn a free night each year.
- WELCOME OFFER: Earn 3 Free Night Awards after you spend $6,000 in purchases and an extra 2 Free Night Awards after you spend an additional $3,000 in purchases on the Card within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 250,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.
- Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
- 6x points on each dollar of eligible purchases 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 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. Award can be used for one night (redemption level at or under 35,000 points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Enjoy Complimentary Marriott Bonvoy® Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.
- Terms apply.
Rates & Fees
Pros
- High rewards rate
- Automatic elite status
- Free night reward on cardholder anniversary
- New cardholder bonus offer
Cons
- Rewards have limited flexibility
A good choice if you want to turn gas purchases into free hotel stays, this card earns 4X points at U.S. gas stations (and other categories). You can also snag a nice welcome offer and earn a free night each year.
- WELCOME OFFER: Earn 3 Free Night Awards after you spend $6,000 in purchases and an extra 2 Free Night Awards after you spend an additional $3,000 in purchases on the Card within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 250,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.
- Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
- 6x points on each dollar of eligible purchases 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 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. Award can be used for one night (redemption level at or under 35,000 points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Enjoy Complimentary Marriott Bonvoy® Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.
- Terms apply.
Rates & Fees
Pros
- High rewards rate
- Automatic elite status
- Free night reward on cardholder anniversary
- New cardholder bonus offer
Cons
- Rewards have limited flexibility
IHG One Rewards Premier Business Credit Card
Best for 5X points at gas stations
Annual fee
$99
Rewards rate
3x-26x
Points
Intro offer
Up to 200,000 Points
on Chase's website
Rates & Fees
Pros
- High rewards rate
- Automatic elite status
- New cardholder bonus offer
- Free night reward on cardholder anniversary
- Statement credit for Global Entry, TSA PreCheck® or NEXUS
Cons
- Has annual fee
- Rewards have limited flexibility
- Low point redemption value
Another top-notch option for turning fuel expenses into free hotel stays, this card earns 5X points at gas stations. You also get 5X points on travel, restaurants, office supplies and select advertising. Other benefits include free anniversary night awards, statement credits and IHG® Rewards Platinum Elite status.
- Limited Time Offer! Earn up to 200,000 Bonus Points. Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening. Plus, earn 60,000 Bonus Points after spending a total of $9,000 in the first 6 months from account opening.
- Enjoy an Anniversary Free Night at IHG® Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.
- Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts
- Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases
- Automatic Platinum Elite status as long as you remain a Premier Business cardmember
- Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $120 every 4 years as reimbursement for the application fee charged to your card
- IHG One Rewards Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Hotel Indigo® Hotels & Holiday Inn®
- Member FDIC
Rates & Fees
Pros
- High rewards rate
- Automatic elite status
- New cardholder bonus offer
- Free night reward on cardholder anniversary
- Statement credit for Global Entry, TSA PreCheck® or NEXUS
Cons
- Has annual fee
- Rewards have limited flexibility
- Low point redemption value
Another top-notch option for turning fuel expenses into free hotel stays, this card earns 5X points at gas stations. You also get 5X points on travel, restaurants, office supplies and select advertising. Other benefits include free anniversary night awards, statement credits and IHG® Rewards Platinum Elite status.
- Limited Time Offer! Earn up to 200,000 Bonus Points. Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening. Plus, earn 60,000 Bonus Points after spending a total of $9,000 in the first 6 months from account opening.
- Enjoy an Anniversary Free Night at IHG® Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.
- Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts
- Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases
- Automatic Platinum Elite status as long as you remain a Premier Business cardmember
- Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $120 every 4 years as reimbursement for the application fee charged to your card
- IHG One Rewards Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Hotel Indigo® Hotels & Holiday Inn®
- Member FDIC
Rates & Fees
Pros
- High rewards rate
- Automatic elite status
- New cardholder bonus offer
- Free night reward on cardholder anniversary
- Statement credit for Global Entry, TSA PreCheck® or NEXUS
Cons
- Has annual fee
- Rewards have limited flexibility
- Low point redemption value
U.S. Bank Business Altitude® Connect Visa Signature® Card
Best for 4X points on gas, EV charging
Annual fee
$0 intro for the first year, then $95
Rewards rate
1x-5x
Points
Intro offer
75,000
Points
on U.S. Bank's website
Rates & Fees
Pros
- New cardholder bonus offer
- High bonus rewards rate
- Annual fee waived for the first year
- Reports to Dun & Bradstreet
Cons
- No intro APR offer
- Activity on employee cards does not count toward bonus spending requirement
The business travel card is the best gas card for companies that prefer points to cash back. You'll get 4X points on gas, EV charging and all other travel expenses (up to $150,000 in combined annual spend). And the annual fee ($95) is waived for the first year.
- Earn 75,000 bonus points if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
- Earn 4X points on travel, gas and EV charging stations* on the first $150,000 in combined annual spend (*excludes discount stores/supercenters and wholesale clubs).
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Earn a $25 statement credit for every three consecutive monthly taxi or rideshare trips.
- $0 intro annual fee for the first year, $95 per year thereafter.
- Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
- Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,700 VIP lounges worldwide, plus four complimentary visits per membership year.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- Terms and conditions apply.
Rates & Fees
Pros
- New cardholder bonus offer
- High bonus rewards rate
- Annual fee waived for the first year
- Reports to Dun & Bradstreet
Cons
- No intro APR offer
- Activity on employee cards does not count toward bonus spending requirement
The business travel card is the best gas card for companies that prefer points to cash back. You'll get 4X points on gas, EV charging and all other travel expenses (up to $150,000 in combined annual spend). And the annual fee ($95) is waived for the first year.
- Earn 75,000 bonus points if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
- Earn 4X points on travel, gas and EV charging stations* on the first $150,000 in combined annual spend (*excludes discount stores/supercenters and wholesale clubs).
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Earn a $25 statement credit for every three consecutive monthly taxi or rideshare trips.
- $0 intro annual fee for the first year, $95 per year thereafter.
- Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
- Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,700 VIP lounges worldwide, plus four complimentary visits per membership year.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- Terms and conditions apply.
Rates & Fees
Pros
- New cardholder bonus offer
- High bonus rewards rate
- Annual fee waived for the first year
- Reports to Dun & Bradstreet
Cons
- No intro APR offer
- Activity on employee cards does not count toward bonus spending requirement
Jump to
Other top business gas credit cards
How we choose the best business credit cards for gas
What is a business gas credit card?
What types of rewards do business gas cards offer?
Do all fueling purchases earn your business rewards?
How to get a business gas card
Are business gas cards worth it?
Table of contents
Other top business gas credit cards
These gas and fleet cards aren't available through NerdWallet. Our editorial team still recommends them.
NerdWallet star rating: 4.2
The Costco Anywhere Visa® Business Card by Citi turns everyday spending into rewards you can redeem at Costco (although rewards only arrive 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).
This card has not been rated by NerdWallet.
The Shell Small Business Card offers a volume-based discount of up to 6 cents per gallon, but you need to purchase more than 10,000 gallons to get the best rebate. There is no per-card fee and you can carry a balance — other fleet cards from Shell are charge cards that do not allow a revolving balance. Use is limited to Shell stations (nearly 13,000 locations) and participating Jiffy Lube stations.
This card has not been rated by NerdWallet.
The WEX Fleet FlexCard offers a promotional rebate of 3 cents per gallon for the first 180 days. After that, your discount is volume based. Cards can be used at gas stations in the WEX network (45,000+ locations). There is a monthly fee of $4 per card and additional charges if you use your card at a truck stop.
How we choose the best business credit cards for gas
NerdWallet's writers and editors monitor close to 70 business credit cards. Our goal is to pick the most rewarding ones among them for gas station and EV charging purchases. Here's how we do this:
- Start with the obvious. Some cards specifically reward fuel purchases with bonus cash back or points. Fleet cards often include per-gallon rebates. We find all these cards in our dataset.
- Look for elevated rewards elsewhere. Bonus categories often cap their higher rates to a certain amount of spending. That means a lower rate, but one with no earning limit, may better fit big spenders. We identify cards where that math might work. Typically, that meant earning at least unlimited 2%/2X back.
- Check our overall ratings. If you want a business gas credit card, odds are it's for buying gas. But even if you'll get good rewards on those purchases, we want to make sure cards are good for you — period. Our star ratings help determine that. These weigh not only reward rates, but also factors like fees and APRs.
Our ratings rubric evaluates business credit cards. We don't score fleet cards because they are a different product class. But we look at similar features (costs, rewards, etc.) to compare options.
Business cards that earn 5 stars are considered exceptional. These cards are best-in-class and deliver the most value for the greatest number of business owners.
Business cards that earn 4.0 to 4.9 stars are good to excellent. They deliver excellent value and might be the best choice for certain businesses, depending on your needs and spending habits.
Business cards that earn 3.0 to 3.9 stars are fine business cards. You'll get some value out of using them, to be sure, but there are other cards that offer better rewards.
Business cards that earn below 3 stars are considered subpar and would generally not be recommended by NerdWallet.
What is a business gas credit card?
A business gas credit card offers greater rewards for fuel purchases. These cards typically fall into two buckets: small-business cards and fleet cards.
Small-business cards work like other credit cards. You can spend up to a certain limit, and buy things besides gas. You'll likely earn cash back or points on your spending. These cards can be a good choice if gas is a common expense for your business. Consider one if you have a couple vehicles and a few employees who often travel for work by car.
Fleet cards are better for bigger operations — think five or more vehicles. (Though that's not a hard-and-fast total.) These cards may offer rebates on fuel purchases. But their main value is expense management. Fleet operators can closely monitor and even limit driver spending. For instance, a fleet card may let drivers only get fuel and only at certain stations.
What types of rewards do business gas cards offer?
Business gas cards may earn cash-back, points or per-gallon rebates. The right choice will depend on your preferences.
- Cash back is easiest. You'll earn a set percentage back on each eligible purchase. For instance, if you spend $50 on gas on a 3% cash-back business card, you'll get $1.50.
- But points can be more valuable. Business travel credit cards offer big multiples on gas (potentially as much as 4X or 5X points per dollar), The catch? These cards often have high annual fees. Plus, points are most valuable if you redeem them for travel or with certain brands.
- Per-gallon rebates are less common. You won't find these on traditional business credit cards. Instead, you'll need a fuel card or a co-branded business gas card from a company like Shell or Exxon/Mobil. You can use these "closed-loop" cards solely with that specific vendor.
Do all fueling purchases earn your business rewards?
Not necessarily. It's important to pay attention to a business card's fine print to ensure you maximize rewards.
For instance, gas and EV charging both often count as "gas," but not always. For Chase cards, like the Ink Business Cash® Credit Card, the issuer specifies that "merchants that do not specialize in selling automotive gasoline are not included" in their "gas station" bonus category.
There may be other limitations. The U.S. Bank Business Altitude® Connect Visa Signature® Card doesn't offer its 4X rate if you fill up at a discount store, supercenter or wholesale club, for example. Ditto the U.S. Bank Triple Cash Rewards Visa Business Card. That card also limits its 3% cash-back rate to fuel transactions of $200 or fewer.
How to get a business gas card
You can apply for many business gas cards online. Applications will ask for business details like your annual revenue, years in operation and number of employees. But approval will largely depend on your personal credit.
As with most small-business credit cards, you'll need at least good personal credit to qualify. That's typically a FICO score above 690. Expect to provide a Social Security number so the issuer can check your credit. These cards will require a personal guarantee as well.
If you want an EIN-only business card with no personal guarantee, a fleet card is a better fit. These cards may still look at your personal credit. But it will likely be a "soft pull," which doesn't impact your credit score. Their applications may ask for specific details about your fleet, like the number of vehicles and your average monthly fuel spend.
Are business gas cards worth it?
Business gas cards can deliver a ton of value to everyone from rideshare and delivery drivers to companies with a fleet of vehicles. The best gas cards for business earn 3% back (or up to 4X points if you prefer travel rewards), which can translate to thousands of dollars in savings each year.
Companies with a fleet of five or more vehicles may prefer a fleet card. Most fleet cards offer volume-based discounts — anywhere from 2 to 8 cents per gallon — but you need to purchase 10,000 gallons of fuel per month (or more) to earn the top rebate rate.
Fleet cards have other business-friendly benefits, though, including detailed reporting and strict spending controls. Most fleet cards don't require a personal credit check (you can apply with an EIN), so it may be easier to get a fleet card than a traditional business card with gas rewards.
Frequently Asked Questions
Yes, almost all business gas cards report to commercial credit bureaus to help build business credit. Some gas rewards cards will also show up on your personal credit report if your account is seriously delinquent.
Business gas cards offer higher rewards for gas, diesel and EV charging. Some gas cards offer cash back that can be redeemed for a statement credit, while others give you points you can later use for travel. Fleet cards typically give volume-based rebates ranging from 2 to 8 cents per gallon when you purchase fuel within the card's network of stations. You typically need to buy at least 10,000 gallons per month to hit the top rebate tier.
Methodology
NerdWallet's writers and editors monitor more than 70 business credit cards to select the best options without outside input from partners or other business interests. We evaluate business cards based on value and simplicity, weighing fees, sign-up bonuses and reward rates, alongside perks like interest-free periods, statement credits and elite status (for travel cards).
We consider more than 20 data points for each card we score, including detailed information about rewards, credits and fees. We gather this information from rates and fees documents, deposit account agreements, financial institution websites and company representatives.
Our editorial team regularly reviews and updates our data to ensure consistency and accuracy. We also update our scoring on an ongoing basis to reflect changing industry norms and business owner needs. For instance, in 2026, we added a small deduction for cards that don’t allow users to issue virtual cards and removed the small increase for cards with no preset spending limit.
Final star ratings range from one to five stars. A five-star score represents the best available product for the largest number of business owners. Learn how NerdWallet rates small-business credit cards.