Gas is the biggest expense for many companies. Find the best fit for your spending with cards offering cash back and rewards when you fuel up your fleet.
We compared several relevant features among eligible fuel credit cards, including points or cash back earned per dollar spent, welcome offer value, annual fees, intro APRs, additional reward categories and annual bonuses on requisite spending. Our selected cards stood out above the rest in one or several of these categories.
The recently revamped American Express® Business Gold Card offers both strong rewards and flexibility.
The Bank of America® Bank of America® Cash Rewards credit card dropped off our list, replaced by the excellent American Express Blue Business Cash™ Card.
Best fuel business credit cards
Quick look at the best business credit cards for gas
If you want to earn accelerated cash back on categories such as gas, dining and office supplies, and you also want a long interest-free period on purchases — this could be the right card for you.
Cash back. Earn 2% back at gas stations and restaurants up to $25,000 annually. Earn 5% back at office supply stores and on Internet, cable and phone services up to $25,000 in combined purchases every year. Once you reach the cap, you earn 1% cash back. This is also the rate at which you earn cash back on all other purchases.
Intro APR period. Get a 12 months interest-free period on purchases from the moment you open your account. After that, a variable APR of 13.24% to 19.24% applies. This is one of the longest intro APR periods you can get among similar credit cards.
No annual fee. You won't pay anything to own the card, and you can add employees to your account for free.
Annual Fee
$0
Purchase APR
0% intro for the first 12 months (then 13.24% to 19.24% variable)
Balance transfer APR
13.24% to 19.24% variable
Welcome offer
$750 cash back after spending $7,500 in the first 3 months
Rewards
5% at office supply stores, on Internet, cable and phone up to $25,000 combined annually (then 1%), 2% on gas and dining up to $25,000 combined annually then 1% after that and on all other purchases
Best overall gas rewards American Express Blue Business Cash™ Card
This can be a solid credit card for businesses that spend up to $50,000 annually on gas and other business purchases. In addition, you get a long intro APR period on purchases, and you won't pay an annual fee.
Cash back. Get 2% cash back on all eligible purchases, including gas, on up to $50,000 in purchases. Earn 1% cashback on eligible purchases after that.
Intro APR on purchases. Get 12 months of an intro APR period on purchases from the moment you open your account. Once the intro period passes, your rate reverts to an APR variable of 13.24% to 19.24%.
No annual fee. You won't pay anything to own the card, and you can add employee cards for free, too.
Annual Fee
$0
Purchase APR
0% intro for the first 12 months (then 13.24% to 19.24% variable)
Balance transfer APR
N/A
Welcome offer
Rewards
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
Best business card with a welcome offer American Express® Business Gold Card
This can be an ideal card for your business if you spend a lot on gas. If gas is one of the two highest spending categories for your business each month, you'll earn 4x membership points at US gas stations on up to $150,000 in combined purchases with a second category annually, then 1x points.
Membership rewards points. Earn up to 4x points at US gas stations if it's one of the two categories you spend the most in each billing cycle. You will also earn and 4x points in a second category, including US purchases at restaurants, shipping, advertising in select media, computer hardware, software and cloud services. If travel often, you might earn accelerated rewards on purchases made directly from the airline. However, you're capped at $150,000 in combined purchases in a calendar year. After that, and on all other purchases, you earn 1x points.
Welcome offer. Earn 35,000 Membership Rewards points after spending $5,000 on purchases within the first 3 months of card membership.
Airline bonus. Every time you use your membership points to book flights on Amex Travel, you get 25% of your points back. With this perk, you can earn as many as 250,000 points back annually.
Annual Fee
$295
Purchase APR
14.24% to 22.24% variable
Balance transfer APR
N/A
Welcome offer
35,000 points after spending $5,000 in the first 3 months
Rewards
4x points on two categories on up to $150,000 combined annually, then 1x points after that and on all other purchases
Best wholesale gas rewards business credit card Costco Anywhere Visa® Business Card
Small businesses that don't spend much on gas can benefit from this card. It offers one of the highest cashback rates on gas, but it's capped at a lower annual spending limit compared to similar credit cards.
4% cash back on gas. Earn 4% cash back on gas purchases worldwide and gas purchases at Costco. However, you're capped at $7,000 annually. After that, your cashback rate drops to 1.
Cash back on other purchases. Restaurants and travel purchases earn 3% back, while Costco purchases return 2% back. Everything else you buy earns 1% cash back.
No annual fee. You won't pay an annual fee, but you still need to pay for Costco membership to apply for the card. A Costco membership starts at $60 annually.
Annual Fee
$0
Purchase APR
15.24% variable
Balance transfer APR
15.24% variable
Welcome offer
N/A
Rewards
4% cash back on gas on up to $7,000 annually (then 1%), 4% on dining and travel, 2% at Costco and 1% on all other purchases
The information about Costco Anywhere Visa® Business Card has been collected independently by Finder and and has not been reviewed or provided by the issuer.
How to choose the best fuel business credit card
The credit cards on our list offer similar cash back or rewards on your fuel purchases, but many limit your rewards in other categories.
To find a card that maximizes your rewards on typical spending, look at your business expenses and consider:
Do you want cash back or rewards points? You may want cash back to reinvest in your business. If you prefer points, the American Express® Business Gold Card is your only option on our list.
What does your company spend the most on? If gas is your top expense, all but the Ink Business Cash℠ Credit Card on our list offer accelerated rewards on fuel. But each card differs in how much you can earn in other categories.
How often do you travel? If you fly often, the American Express® Business Gold Card offers a range of travel perks and rewards. Enjoy 4x points on airfare if it’s one of your two highest spending categories, with no foreign transaction fees (see rates & fees) and a selection of insurance policies and protection assistance. If your travel spending dwarfs your gas bills, consider one of the best-rated business travel credit cards for even bigger returns.
What about fleet cards and fuel cards from gas stations?
Fleet credit cards are a type of payment card. They can be used to help businesses manage expenses for their own fleets of vehicles. This often includes fuel purchases, but sometimes even repairs and maintenance.
Unlike typical credit cards, fleet cards and fuel cards can only be used at authorized gas stations and merchants by the company that issues the cards.
Fleet card
Gas credit card
Rewards
Typically a discount of up to 10 cents off per gallon (up to around 3.5% off per gallon), but it’s often around 5 cents off per gallon
Cashback rate, often it’s either 2% or 3% back on purchases at gas stations (including snacks and drinks)
Signup bonus
Rare, but it’s often a boosted rate of up to 25 cents off per gallon for two months (up to 7% off per gallon)
Typically a set amount, for example, $500 cash bonus once you spend $3,000 in your first three months
Spending controls
Detailed spending controls, for example, limit employee cards only for gas purchases and not food and beverages within the gas stations
Loose spending controls, for example, you can limit employee spending at gas stations, but not what exactly is being purchased
Can use the card at all gas stations
No, only at partner gas stations
Yes, wherever cards are accepted payment method
Annual fee
Some have no annual fee, others have an annual fee of $10 per card
Often have no annual fee
Chances of approval
You can get approval even with a credit score as low as 580
Typically you need a credit score of 670 or higher to get the approval
Should I get a business credit card for gas rewards?
A gas or a fleet credit card is worth considering if you or your employees are often on the road. With these cards, you can save money on purchases at gas stations, you can set spending controls, monitor employee spending and simplify business bookkeeping.
Compare business credit cards with gas rewards
If you want a closer look at how these business gas cards compare, select your credit score below and click “Show cards” to get started.
Bottom line
A business rewards card can save you a bundle if fuel is among your greatest company needs. Most providers offer up to 3% cash back or 3x points at gas stations, along with varying rewards in other categories.
Can I earn cash back or points at all gas stations with a general rewards card? Yes. Unlike fuel-branded credit cards — like those by Exxon or BP — general rewards cards are more flexible in where you can earn, as long as the stations are within the US.
What business credit card comes with no foreign transaction fees? The American Express® Business Gold Card does not charge you a fee on transactions overseas — but remember this is a charge card, not a regular credit card. All of the cashback business credit cards on our list charge a fee equal to 2% to 3% of each foreign transaction.
Is gas cheaper with a gas card? It depends on the card. Some gas cards offer a discount on gas when used at corresponding gas stations. Others may offer points or miles that can be used on reward purchases.
Kelly Waggoner is the US editor-in-chief at Finder. She's worked with publishers, magazines and nonprofits throughout New York City, including ghostwriting a how-to on copyediting for the Dummies series. Between projects, she toys with words, flips through style guides and fantasizes about the serial comma's world domination.
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