| Credit Cards | Our Ratings | Welcome Offer | Rewards Rate | Gas rewards | |
|---|---|---|---|---|---|
U.S. Bank Triple Cash Rewards Visa® Business Card*
|
Best business gas card for cash back
|
$750 cash back
Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
| 1% - 5% cash back
| 3% cash back | |
The American Express Blue Business Cash™ Card
|
Best business gas card for flat-rate rewards
|
$250 statement credit
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
| 1% - 2% cash back
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%
| 2% cash back | |
American Express® Business Gold Card
|
Best business gas card for travel rewards
|
100,000 points
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.*
| 1X - 4X points
| 4x points | |
Shell Small Business™ Card*
|
No personal guarantee
|
N/A | 5¢ off per gallon
5¢ off per gallon at Shell locations
| 5¢ off | |
Business Advantage Unlimited Cash Rewards Secured credit card*
|
Best business card for gas with bad credit
|
N/A | 1.5% cash back
Unlimited 1.5% cash back on all purchases
| 1.5% cash back | |
Wyndham Rewards® EarnerSM Business Card*
|
Best hotel business gas card
|
75,000 points
Earn 50,000 bonus points after spending $4,000 on purchases and paying the annual fee in full, both within the first 90 days. Also, earn 25,000 bonus points after spending $12,000 on purchases within the first 365 days.
| 1X - 8X points
| 8x points | |
Citi® / AAdvantage Business™ World Elite Mastercard®
 Apply Now
on Citibank's secure site Rates & Fees |
Best airline business gas card
|
75,000 miles
For a limited time, earn 75,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 5 months of account opening.
| 1X - 2X miles + 1X point
| 2x miles |
Apply Now
on Citibank's secure site Rates & Fees |
Costco Anywhere Visa® Business Card by Citi*
|
Best business gas card for Costco
|
N/A | 1% - 4% cash back
| 4%-5% cash back | |
Capital One Spark Classic for Business*
|
Best business card for gas with fair credit
|
N/A | 1% - 5% cash back
| 1% cash back |
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.3% cash back on eligible purchases at gas stations
The U.S. Bank Triple Cash Rewards Visa® Business Card is our top choice for cash back because it offers the highest cash back rate on gas of any business card we could find, without strict restrictions on redeeming cash back. Note, the same 3% rewards rate also applies to EV charging stations, office supply stores, restaurants and cell phone providers. Cardholders can also earn bonus rewards on eligible travel purchases made through U.S. Bank.
Because this card isn’t co-branded with a specific gas station brand, bonus rewards for gas apply at any type of gas station. However, the fine print on the card says that fuel or EV charging purchases of $200 or more will only earn 1% cash back in rewards. This cap could be a problem for large, industrial vehicles that require considerable amounts of gas to fill up.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.2% cash back on up to $50,000 in eligible purchases each year
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.
The American Express Blue Business Cash™ Card is another top option when it comes to earning cash back at gas stations. You’ll earn the same high rate of cash back on every purchase, which makes it a great choice if you don’t want to juggle cards for different types of purchases.
There’s no annual fee for The American Express Blue Business Cash™ Card, and users can request up to 99 complimentary employee cards. A lucrative welcome offer is also available for cardholders who can meet a minimum spending threshold in the first three months.
A major drawback is that its bonus rate is capped at $50,000 in purchases per year. Larger businesses that may surpass this cap might consider the Capital One Spark Cash Plus (see rates & fees) or the Ink Business Premier® Credit Card (see rates & fees). These cards come with uncapped rewards rates in exchange for an annual fee.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.4X points on the two eligible categories where your business spent the most each month (including U.S. gas stations)
The American Express® Business Gold Card is by far one of the most rewarding travel cards for U.S. gas station purchases. It earns an incredible 4X points per dollar spent in your top two eligible spending categories each month (on the first $150,000 in combined purchases), including U.S. gas stations.
This card earns American Express Membership Rewards points, which are known for their value. Users can transfer them to a range of airline and hotel partners like British Airways, Delta SkyMiles, Hilton Honors and Marriott Bonvoy. It’s possible to get values of 2 cents or more per point by scoring deals with Amex’s travel partners. That means you can get a return of around 8 cents per dollar on your gas purchases if you’re savvy with your rewards.
While the American Express® Business Gold Card has a $375 annual fee, cardholders can add up to 99 complimentary employee cards for expenses to their account. This ensures they earn Amex Membership Rewards points on all their company spending throughout the year.
Save up to 5¢ per gallon
The Shell Small Business™ Card helps small business owners get a line of credit for fuel purchases without having to make a personal guarantee. This means business owners are not personally liable for repayment in the event the business is unable to keep up with its financial commitments.
Users can consider the Shell Small Business™ Card if they want to fuel up at Shell stations around the United States, and if they want benefits like free employee cards and 5¢ off per gallon at Shell locations. Other perks include spending controls for employee cards, discounts at Jiffy Lube and roadside assistance.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.1.5% cash back on all purchases
The Business Advantage Unlimited Cash Rewards Secured credit card is an affordable option for business owners with low credit scores. It doesn’t charge an annual fee, and it offers a high rate of cash back on every purchase, including gas stations around the world.
This card requires a refundable security deposit of at least $1,000 to get started, yet users can build credit with on-time payments. It comes with free access to business credit scores. Other perks include free cash flow management tools and travel insurance protections.
Earn 8x points on qualifying gas purchases
Earn 8 points per dollar on gas and eligible Wyndham hotel purchases, 5 points per dollar on eligible marketing, advertising services, and utilities and 1 point per dollar on all other purchases.
The Wyndham Rewards® EarnerSM Business Card offers one of the highest rewards rates on gas of any hotel card. You’ll get 8x points on qualifying gas purchases, with no cap. We estimate that Wyndham points are worth around 0.8 cents each when redeemed for hotel nights. This means you can earn around 6.4 cents per $1 in rewards on gas — an excellent return. If you stay at Wyndham properties for business often, then using this card for gas and business purchases is certainly worth the $95 annual fee.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here. Apply Now
2X miles on gas station purchases
The Citi® / AAdvantage Business™ World Elite Mastercard® is a top business airline card for gas purchases because it lets you earn valuable AAdvantage® miles at a 2X rate for gas station purchases. We value AAdvantage® miles at around 1.7 cents each, so the card offers a return of around 3.5 cents per $1 spent on gas.
Cardmembers also earn Loyalty Points with the American Airlines AAdvantage® program as they spend, which count toward elite status requirements. Other benefits include free employee cards, a first checked bag on domestic flights for the cardholder and up to four companions, preferred boarding, a 25% discount on eligible in-flight purchases and more.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.4%-5% cash back on eligible gas purchases
Earn 5% cash back on gas at Costco and 4% on other eligible gas and electric vehicle (EV) charging with the Costco Anywhere Visa® (on a combined $7,000 in spend per year, 1% thereafter.), 3% on restaurants and eligible travel, including Costco Travel, 2% on all other purchases from Costco and Costco.com, 1% on all other purchases.
Costco members love the Costco Anywhere Visa® Business Card by Citi due to its generous rewards rate on gas station purchases worldwide (not just at Costco). This card offers one of the highest cash back rewards rates you can find for gas. You’ll get at least 4% cash back on up to $7,000 in gas and EV charging purchases each year, which works out to just over $583 in gas and EV charging spending per month.
Though it requires a Costco membership to apply, the card comes with a $0 annual fee and free employee cards. Note that cash back is awarded once per year in the form of a rewards certificate that’s good for merchandise or cash back in Costco stores. This could be a serious drawback if you prefer to receive your rewards more frequently or you plan to cancel your Costco membership before the certificate arrives.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Unlimited 1% cash back on every purchase
The Capital One Spark Classic for Business is one of the highest earning rewards cards for business owners with fair credit. While it doesn’t have a welcome offer like some other cards in our ranking, this card does earn a flat 1% cash back on purchases, including gas.
There’s no annual fee to carry the Capital One Spark Classic for Business, and business owners can set up free employee cards with unique spending controls. Other notable benefits include year-end summaries and no foreign transaction fees.
You can likely benefit from a gas credit card whether driving is a big or small part of your business. If it’s an uncommon or minor expense for you, then a no-annual-fee card can help you earn more rewards without a large commitment. Plus, you likely wouldn’t need to worry about reaching an earnings cap that some issuers set on bonus rewards categories.
If gas is one of your larger business expenses, then getting a gas card should be a no-brainer. You can work it into your credit card system by getting a branded card from your preferred station or choose a card that offers other rewards categories as well, like the American Express® Business Gold Card or Wyndham Rewards® EarnerSM Business Card.
The best business credit cards for gas are similar in that they let you charge fuel purchases and track all related spending in one place. From there, the benefits of fuel cards for small businesses vary quite a bit.
You should ask yourself the following questions as you look for the right business gas card.
Does the card fit the size of your business?
Some business gas cards are geared to small business owners who may need a few additional cards for employees, but aren’t ideal for large corporations that have hundreds of business vehicles. For large businesses, corporate gas cards can be a better choice.
Fleet fuel cards can also be a good option for businesses with a large number of vehicles due to the fuel discounts or rebates they offer. An example is the Shell Small Business™ Card, which lets business owners assign employee cards that are for fuel purchases only.
Does it offer employee cards with spending controls?
While the majority of gas cards for businesses let you add free employee cards to your account, some make it easier to manage more employee cards than others. For example, there are rewards credit cards for businesses that let you add up to 99 employee cards without any cost.
You should also note that some cards make it possible to set spending controls for individual employees. This helps business owners ensure their workers aren’t making unnecessary purchases.
There are ways to choose and set up your business gas credit card to prevent your employees from misusing it, including:
Does it fit your gas station preferences?
The majority of business gas cards that made our ranking work for nearly any type of gas station within the United States. Some even offer cash back or points for gas purchases made abroad. That said, some business gas cards only work for a specific type or brand of gas station.
Does it charge fees?
Most gas station cards don’t charge an annual fee, but this isn’t always the case. For example, you may need to pay an annual fee for a business card that offers bonus rewards for travel and other perks.
Also note that, outside of annual fees, gas credit cards can charge high interest rates if you carry a balance from one month to the next. If you want to make the most of your credit card, your best bet is paying your balance in full each month to avoid interest charges.
Does it offer discounts or rewards on fuel?
Most business gas cards offer discounts on fuel or rewards on spending, but not both. The type of discounts or rewards can also vary widely. For example, the best business gas cards in our ranking offer everything from fuel rebates to cash back or travel rewards points for each dollar spent. To find the right gas credit card for your business, you’ll have to decide on what would benefit you the most from these options.
Once you’re ready to apply for a business credit card, you can move through the application process and get approved with the following steps:
You can pay for gas and other purchases with a business credit card, and several benefits can come into play when you do. You could earn fuel discounts or rebates each time you fuel up, or rewards for each dollar you spend.
That said, you’ll want to make sure you pay your balance in full each month to avoid interest charges on fuel and other purchases.
The easiest gas cards for businesses to get are the ones that are specifically designed for people with imperfect credit scores. Examples that made our ranking include the Capital One Spark Classic for Business and the Business Advantage Unlimited Cash Rewards Secured credit card from Bank of America.
Fuel cards are worth it for small businesses for several reasons. They make it easy and convenient for business owners and their employees to pay for fuel at the point of sale. Fuel credit cards can also offer discounts for each gallon of gas or rewards for spending. They may also come with travel insurance benefits, consumer protections and other cardholder perks.
The most accepted fuel cards are ones that are issued by Mastercard or Visa. You’ll be able to use these cards at most fuel stations, since these payment networks are accepted around the world.
On the flip side, some fleet fuel cards and corporate gas cards are only accepted at certain fuel stations or specific fuel brands. These cards can be more difficult to use, especially for businesses that might not have a choice of where they fuel up.
To choose the best gas cards for business, we compared the gas rewards on more than 200 cards from more than 50 issuers. We selected business credit cards with the highest potential rewards earning on gas purchases in their respective categories. In calculating the potential earnings, we considered the value of the card’s rewards or points. See our methodology page for more details on how we calculate point value.
To see rates & fees for American Express cards mentioned on this page, visit the links provided below:
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
The information related to the U.S. Bank Triple Cash Rewards Visa® Business Card, Shell Small Business™ Card, Business Advantage Unlimited Cash Rewards Secured credit card, Wyndham Rewards® EarnerSM Business Card, Costco Anywhere Visa® Business Card by Citi and Capital One Spark Classic for Business has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
