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Compare the best fuel business credit cards

Explore cards that'll reward you with cash back or points for spending on gas.

Last updated: 1 October 2019

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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.

Consider this card for business gas rewards

Universal Premium Mastercard®

Accepted at nearly 160,000 fueling locations throughout the United States
Choose the most convenient and cost saving sites for your business
Prevent unwanted non-fuel spending by limiting purchases only to the pump
Open cards to make purchases at over 400,000 maintenance locations
Save up to 6¢ per gallon with volume rebates on purchases within the Retail Savings network
Save up to 15% on fuel management costs

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Best fuel business credit cards

Quick look at the best business credit cards for gas

American Express® Blue Business Cash Card: Best overall gas rewards
American Express® Business Gold Card: Best business card with a welcome offer
Ink Business Cash℠ Credit Card: Best business card with 0% intro purchase APR
Costco Anywhere Visa® Business Card by Citi: Best wholesale gas rewards for business
United MileagePlus® Club Business Card: Best business card for overseas travel

Best overall gas rewards: American Express® Blue Business Cash Card

Apply now

This can be a solid credit card for businesses that spend up to $50,000 annually on gas and other business purchases. The cashback rate is in line with similar credit cards, though you’ll enjoy this rate on all eligible purchases up to the spending cap. In addition, you get a long intro APR period on purchases, and you won’t pay an annual fee (see rates & fees).

- 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 14.99% to 20.99%.
- No annual fee.
  You won’t pay anything to own the card, and you can add employee cards for free, too.

Best business card with a welcome offer: American Express® Business Gold Card

Apply now

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’ll 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 up to $500 back on FedEx shipments within your first 3 months from account opening.
- 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.

Best business card with 0% intro purchase APR: Ink Business Cash℠ Credit Card

See offer

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. Also, you get to earn a solid signup bonus and you won’t pay an annual fee for the card or for additional employee cards.

- 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 15.24% to 21.24% 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.

Best wholesale gas rewards business credit card: Costco Anywhere Visa® Business Card by Citi

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.In addition, you earn a solid cashback rate on dining and travel purchases worldwide, plus on all Costco purchases.

Alternatively, you can consider Sam’s Club business card, but in essence, you’d only get $20 more once you reach the cap. And you won’t get as much cash back on other categories as you would with the Costco card.

- 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.

Best business card for overseas travel: United MileagePlus® Club Business Card

If you want to earn rewards on gas purchases, but you also travel abroad often, the United MileagePlus® Club Business Card could be worth considering. You get to earn accelerated miles at gas stations, restaurants, office supply stores and on your United purchases.In addition, you get to enjoy perks on your United flights, including priority boarding, first checked bag free and more.

- United miles.
  Earn 2x miles on purchases at gas stations, restaurants, office supply stores, and United Airlines purchases. Earn 1.5x miles on all other purchases.
- First checked bag free.
  Save $30 on checked bags per person, per flight. That’s $120 saved for two on a round trip.
- United Club passes.
  Get two one-time passes for United Club lounges every year on your card anniversary. Enjoy snacks, free Wi-Fi and other amenities while waiting at the airport.

Find the right business card

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How we selected our top cards

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.

What’s changed in 2019

The recently revamped American Express® Business Gold Card offers both strong rewards and flexibility.

The Business Advantage Cash Rewards Mastercard® credit card dropped off our list, replaced by the excellent American Express® Blue Business Cash Card.

Compare business credit cards with gas rewards

Name	Rewards	Purchase APR	Annual fee
Universal Premium Mastercard®	3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network	29.24% variable	Up to $120	Apply now View details	Earn 3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network.	Compare	loading Fetching your data...
American Express® Business Gold Card	4x points on two categories on up to $150,000 combined annually, then 1x points after that and on all other purchases	15.99% to 23.99% variable	$295	Apply now View details	Up to $500 back in the form of statement credits by purchasing qualifying services with FedEx using your American Express® Business Gold Card within the first 3 months, offer ends November 6, 2019. Rates & fees	Compare	loading Fetching your data...
The Hilton Honors American Express Business Card	12x points at Hilton, 6x points on select business and travel and 3x points on all other purchases	17.49% to 26.49% variable	$95	Apply now View details	Earn 125,000 Hilton Honors Bonus Points after you spend $3,000 in eligible purchases on the card within the first 3 months of card membership. Rates & fees	Compare	loading Fetching your data...
Marriott Bonvoy Business™ American Express® Card	6x points at Marriott Bonvoy, 4x points at US restaurants, US gas stations and on US wireless telephone and shipping services, 2x points on all other purchases	17.49% to 26.49% variable	$125	Apply now View details	Earn 75,000 bonus points after you use your new card to make $3,000 in purchases within the first 3 months of card membership. Rates & fees	Compare	loading Fetching your data...
Ink Business Cash℠ Credit Card	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	0% intro for the first 12 months (then 15.24% to 21.24% variable)	$0	See offer View details	$500 bonus cash back after you spend $3,000 in the first 3 months.	Compare	loading Fetching your data...
U.S. Bank Business Leverage® Visa Signature® Card	2x points in the two categories you spend the most in each month and 1x points on all other purchases	18.74% variable	$0 intro annual fee for the first year ($95 thereafter)	Apply now View details	Earn up to 100,000 bonus points in the first 365 days of account opening with an additional point on all eligible net purchases.	Compare	loading Fetching your data...
U.S. Bank Business Cash Rewards World Elite™ Mastercard®	3% cash back on gas, cell phone services, and office supply stores and 1% back on all other purchases	0% intro for the first 15 billing cycles (then 14.24% to 25.24% variable)	$0	Apply now View details	Earn $500 cash back after you spend $4,500 on purchases in the first 150 days from account opening.	Compare	loading Fetching your data...
American Express® Blue Business Cash Card	2% cash back on all purchases on up to $50,000 per calendar year, then 1%	0% intro for the first 12 months (then 14.99% to 20.99% variable)	$0	Apply now View details	Earn 2% cash back on all purchases on up to $50,000 per calendar year, then 1%. Rates & fees	Compare	loading Fetching your data...

Compare up to 4 providers

What about fleet cards and fuel cards from gas stations?

Fleet business credit cards, such as the Shell Small Business Card or the Chevron and Texaco Business Credit Card may seem like a decent choice for your company. However, these cards limit your spending to only one brand of gas stations.

Also, they don’t let you earn as many additional rewards as you would with a small business credit card. If you often travel abroad, you won’t be able to use a fleet card.

How to compare fuel business credit cards

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 a business travel credit card for even bigger returns.

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.

As you compare other business credit card options, also consider annual fees, APRs, signup bonuses and perks that can suit your business needs.

Frequently asked questions

Rates and fees

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Kelly Waggoner

Kelly Waggoner is editor-in-chief of Finder US. 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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Compare the best fuel business credit cards

Explore cards that'll reward you with cash back or points for spending on gas.

Consider this card for business gas rewards

Universal Premium Mastercard®

Best fuel business credit cards

Best overall gas rewards: American Express® Blue Business Cash Card

The perks

Best business card with a welcome offer: American Express® Business Gold Card

The perks

Best business card with 0% intro purchase APR: Ink Business Cash℠ Credit Card

The perks

Best wholesale gas rewards business credit card: Costco Anywhere Visa® Business Card by Citi

The perks

Best business card for overseas travel: United MileagePlus® Club Business Card

The perks

Find the right business card

How we selected our top cards

What’s changed in 2019

Compare business credit cards with gas rewards

Compare up to 4 providers

What about fleet cards and fuel cards from gas stations?

How to compare fuel business credit cards

Bottom line

Frequently asked questions

Can I earn cash back or points at all gas stations with a general rewards card?

What business credit card comes with no foreign transaction fees?

Rates and fees

Kelly Waggoner

Ask an Expert

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