The Esso and Mobil Business Credit Card offers fuel discounts for small businesses. It lets you track expenses all in one place and monitor purchases made with every card linked to your account. You'll also be able to place restrictions on what kinds of purchases your drivers can make.
Qualify for fuel discounts based on the volume of gas purchased.
N/A
Purchase Interest Rate
$0
Annual Fee
Please note: All information about Esso and Mobil Business Credit Card has been collected independently by Finder and this product is not available through this site.
This card is suitable for fleet and commercial transport companies, as well as small businesses that pay for employee gas top-ups. There are no benefits offered with this card aside from detailed payment tracking and gas discounts, but you also won’t have to pay any additional fees to use your card.
30-second take
Get this card if you want to track your small business fuel expenses and you don’t want to pay an annual fee.
Choose something else if you’re looking for a personal credit card or you want comprehensive benefits.
There’s no minimum annual income to qualify for this card listed on the website.
The basics
If you run a small fleet of company cars or offer employee fuel top-ups as part of business operations, then the Esso and Mobil Business Credit Card could be the right fit for you. This card lets you track your expenses and save money on gas at no extra fee.
You can also control what your employees purchase by placing restrictions on the card. For example, some employers choose to opt for an all-in card that lets their drivers buy whatever they want in-store while others limit purchases to fuel and car washes only.
As for how much you’ll save on gas? This depends on the overall volume of fuel purchased. There’s no set formula to figure out how much you can save, but you can call in to customer service to get a quote based on how much fuel you think you’ll use for the year.
The perks
No fee. This card comes with no annual fee.
Expense tracking. Find out where, when and how much money is being spent on your account using handy online tracking tools.
Fuel discounts. Qualify for fuel discounts based on the volume of gas purchased.
Linked accounts. Sync your credit card and Esso extra points cards together so that drivers can start earning in one easy swipe.
What to watch out for
No rewards. This card doesn’t offer any cashback or rewards points, but you can link it to your Esso Extra loyalty card.
Few benefits. You won’t be able to take advantage of any basics like purchase protection, extended warranty coverage or travel insurance.
No fraud protection. There’s no mention of Zero Liability Protection on the website, which means you could be held accountable for fraudulent purchases made on your account.
What do other customers say?
Many small business owners enjoy the fuel discounts and detailed tracking program that come with this card. Satisfied customers are typically regulars at Esso, and appreciate that you can link credit cards to Esso Extra points cards through a one-swipe Speedpass key tag. Some cardholders are less than enthused with the lack of basics like purchase protection and extended warranty coverage on offer, and don’t like that the card doesn’t give cashback or rewards points.
What should I know before I apply
To apply for the Esso and Mobil Business Credit Card you need to:
Be a Canadian citizen or permanent resident who is at least 18 years old.
Own or operate a small business in Canada.
Your name, residential status and contact information.
Your social insurance number and date of birth.
Your email address and phone number.
Your business number, address and other pertinent information.
How to apply
Head to the Esso website to begin your application.
Read through the Disclosure Statement details and click Accept & Continue.
Complete the application with details that include your name, email address, social insurance number, income information and birth date.
Review and submit your application.
Compare other business credit cards
Bottom line
The Esso and Mobil Business Credit Card is a good option for small business owners with less than 10 vehicles. This card will let you earn discounts on fuel and monitor how much your drivers spend through one easy platform. The card is fee-free and can be used at over 2,000 Esso locations across Canada, but it doesn’t offer comprehensive insurance or additional rewards.
Frequently asked questions about Esso and Mobil Business Credit Card
No. There’s no charge to add an additional driver to your account or order a replacement card.
They’ll need to know their Driver ID number and the odometer reading on the vehicle they’re driving.
You won’t be able to restrict fuel purchases by grade or type, but you can limit purchases to fuel only (which means no in-store purchases).
Log in to your Esso account and navigate to the rewards page. You’ll be able to see your points balance once on this page.
You can. It’s a fairly simple application form that you review and submit online.
Claire Horwood is a writer at Finder, specializing in credit cards, loans and other financial products. She has a Bachelor of Arts in Gender Studies from the University of Victoria, along with an Associate's Degree in Science from Camosun College. Much of Claire's coursework has focused on writing and statistics, with a healthy dose of social and cultural analysis mixed in for good measure. She has also worked extensively in the field of "Blended Finance" with the Canadian government. In her spare time, Claire loves rock climbing, travelling and drinking inordinate amounts of coffee.
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Esso and Mobil Business Credit Card
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