7 Best Gas Credit Cards for Business of 2023 (Ranked and Reviewed)
If your business takes you on the road a lot, a gas credit card is an excellent addition to your wallet.
Many companies can offset business expenses with cards that offer cashback or rewards on purchases you make every day.
If you often drive a vehicle from point A to point B when it comes to your business, a business gas credit card will get you rewards that weren’t available before.
With an average of 392 million gallons of gasoline being pumped every day, filling up your business vehicle with gas will become a process to look forward to rather than just a bare necessity.
In this article, I’ll take a look at seven of the best gas credit cards for business.
We’ll rank them according to their benefits and features, and we’ll also give you a review of each card.
Let’s get right into it.
The following are some of the best gas credit cards for business.
The U.S. Bank Business Triple Cash Rewards Business Card® is a card that pays back in full on all of your approved business needs.
You get 3% cashback on all purchases, including gas, and there are no limits to the number of rewards you can earn.
There are also no categories to keep track of, so it’s easy to earn bonus rewards without any extra effort.
These rewards never expire, which means that you can save up for a big purchase and not have to worry about using old rewards, so they don’t get wasted.
You’ll earn 3% cashback on purchases from specific office supply shops, gas stations, restaurants, and cell phone service providers.
You’ll also get 1% cashback on other qualifying expenses. This can add up to a lot of cash, which comes with no restrictions or limits.
- With a 0% APR intro offer, you’ll have fifteen billing cycles to pay off purchases balance-free.
- There are no annual fees for both your card and employee cards that you add.
- Get a personalized video showing you the potential cashback you can get to make things clear before you start.
- Paying with your phone using Apple Pay, Google Pay, or Samsung Pay gives you extra convenience.
Shell Fuel Rewards® Credit Card allows you to save on your first five Shell fuel purchases. You’ll save 30 cents per gallon (up to 35 gallons) up until mid-2023.
After that, each time you fill up your tank, you’ll save 10¢ per gallon.
The savings are instantly applied to your purchase, so you don’t have to keep track of any extra cards or coupons.
On your first $10,000 in dining and grocery purchases – both in your first year and every calendar year after that – you’ll earn 2% Shell rebates.
In addition, earn 1% Shell rebates on other qualifying spending.
All of this will add up to some generous cashback as you go about your business spending.
You’ll also be able to save on everyday purchases by earning rewards at participating merchants.
- Link a debit or credit card and earn even more – 10 cents per every $50 spent at restaurants is given back to you as you spend.
- You can also earn on live events tickets purchased through supported merchants.
- Fuel cards are used to offer discounts from participating Shell stations – up to 30 cents per gallon on purchases made.
- You can put rewards together to save even more when you or your employees eat out, shop, and fill up your business vehicles.
Bank of America® Customized Cash Rewards Secured helps you build or rebuild your credit history.
You’ll get a secured card with a $300 credit limit, and you can increase your limit over time as you demonstrate responsible use.
With a maximum credit limit of $4900, this is a great way to manage your business expenses and increase your credit rating. This card is best for those who have not yet established strong payment history.
With periodic account reviews, this card helps you make improvements to help build your credit if needed.
You can see your FICo score every month (without having to pay anything extra) directly through your online banking portal.
Credit bureaus also receive a monthly update of your account status, which is a great way to always have an updated credit score.
With educational material provided on-demand and on a wide range of other account features, Bank of America® ‘s Customized Cash Rewards Secured makes it easy to get started with your business credit building.
- No annual fees make it easy to keep your account open and growing.
- Earn 3% cashback on gas, dining, travel, online shopping, drug stores, or even home renovation.
- You get 2% cashback when it comes to wholesale clubs and groceries.
- 1% cash back rewards are given on every other purchase.
- Staying protected when it comes to potential fraud is essential, and this business credit card can give you the security you need to remain stress-free.
PenFed Platinum Rewards Visa Signature® Card rewards you every time you use your card.
With no capping or limits, you can easily earn rewards on all of your business spending.
With up to 1.5% cashback on all purchases that you make, it’s easy to rack up rewards and save money on the things you need.
Plus, there is a 0% transfer promo APR for the initial year of your card, based on approval.
With a zero liability policy, you’re protected from unauthorized use of your card.
With added features like a car rental collision damage waiver, you can easily enjoy your business travels without any additional worries.
- No foreign transaction fees mean you can take your business on the road without spending more than you have to.
- 24/7 monitoring of your account means you’re always in control of your spending.
- Tokenized account numbers in a secure mobile wallet ensure that your account information is always safe.
- Get member discounts and exclusive deals at popular businesses around the country.
The Citi Premier® Card gives you access to up to $800 redeemable gift cards that you can use for things like airfare, hotels, supermarkets, gas stations, and other travel-related expenses.
Premium travel benefits, cashback rewards, and a high credit limit make this card an excellent choice for those who enjoy taking their businesses around the world.
The redemption bonus means extra savings when it comes to checking into your hotel or flying to another location.
With no foreign fees when making transactions in a foreign currency, this card is ideal for those who frequently do business abroad.
Plus, a range of other travel features makes your experience easier and more enjoyable.
Thanks to one of the leading partners, you may also save up to $100 on a single hotel stay of $500 or more, excluding taxes and fees, once a year.
- Contactless payments mean you can use your card without having to swipe or enter a pin.
- Secure digital wallets and account access with Citibank’s Global View means you always have secure access to all your information.
- Adding an authorized user is fast and easy, so you can easily share your business credit card with those who help keep your business running.
- With unique access to tickets and multitudes of events, this card is perfect for those who want to enjoy their business travels even more.
The Marriott Bonvoy Business™ American Express® Card earns you up to 75000 bonus points when you make up to $3000 in purchase in the first three months of opening your account.
You’ll be able to get 6x points when you make a purchase at specific hotels that are eligible.
You also get 4x points on purchases at gas stations, wireless phone services, and even restaurants.
All of this means that you can quickly rack up points with your everyday purchases.
You can then exchange these rewards for free nights at over 7000 Marriott hotels so that you can enjoy your business trip even more.
With complimentary silver elite status, you’ll get priority late checkouts as well as an extra 10% points when staying at specific hotels.
- You’ll get the Marriott Bonvoy Air + Car Program, where you can redeem points for car rentals and flights.
- Complimentary in-room internet access at premium speeds means you don’t have to worry about losing any business time while on the road.
- No foreign transaction fees make it easy to take this card with you when doing business in other countries.
- Expense management tools make tracking your spending a breeze.
The American Express® Business Gold Card is designed for small-business owners who want to get the most out of their spending as you’ll earn 4x points on eligible purchases.
In addition, you can choose two categories where you spend the most in your business, meaning that you’ll increase the frequency at which you get more points.
You can then earn 1x on other purchases, so it makes sense to use this card for your everyday purchases and reap the rewards.
With flexible pay overtime options, you can get a little breathing room when it comes to your monthly expenses.
This card gets accepted at 99% of places that accept credit cards, so it’s perfect for any business owner who needs that flexibility.
- A 25% airline bonus is given when you use your points to book flights through American Express.
- Eligible purchases can be paid overtime, which can give your business a little more wiggle room when it comes to expenses.
- No foreign transaction fees make this an easy card to take on international trips.
- Baggage insurance plans and other travel insurances can help you feel more comfortable traveling for business.
Other cards that might offer rewards when purchasing from U.S. gas stations and businesses not discussed in this post include Chase cards, Discover cards, Ink Business Cash, and Costco Anywhere Visa.
A gas credit card gives you all the benefits of a regular credit card and offers the possibility of earning extra points on your gas purchases. With several features that can make your life easier, these cards offer great benefits while you spend on fuel.
As you’re doing your research, you might realize that some banks often offer generous sign-up bonuses for their business gas cards as well as highly competitive terms when using such cards.
Doing your research is essential if you’re in the market for a business gas card.
But why would banks offer such lucrative sign-up bonuses?
As credit card companies compete for business gas cards, they often try to entice new customers to apply using attractive offers.
Since some people hoard their cash instead of spending it, offering a sign-up bonus is one way that banks can get more people interested in using a business gas credit card from the get-go.
Most banks also offer a variety of other benefits, like rewards points and airline miles, so this is even more incentive for people to earn rewards while spending.
When it comes to gas rewards on a card, these are beneficial since they allow you to earn cashback faster than traditionally possible when using other cards.
Subscriptions might also be a thing of the past if you have a business gas card. Many of these banks offer complimentary subscriptions to magazines and other forms of content when using their cards.
This can be helpful for business owners who are always on the go and need specific business-related content delivered to them – without having to remember to order it month after month.
Several benefits come with using a gas credit card for your business. Let’s have a look at them.
One of the main benefits of using a gas credit card for your business is earning rewards on your gas purchases.
This means that you can earn points, miles, or cashback each time you fill up your tank.
This can add up over time and help you save money on your fuel costs.
Business gas credit cards are great for those who drive a lot as they can quickly rack up points to use later on.
Some of the best business gas credit cards are likely to come with no annual fee, which can save you money in the long run.
On the other hand, some business credit cards do come with an annual fee, which may not be what you’re looking for when managing your monthly expenses.
For this reason, you must look into the terms and conditions of any card before deciding to apply for one.
Whether you buy from office supply stores, wireless telephone services, local businesses, or even restaurants, you can use your gas credit card to earn extra points on purchases made outside of the gas station.
Instead of having to apply for a separate business credit card, you can add the right one to your wallet, and it’ll help you save money when doing business at various locations.
When using a gas credit card for business, flexible payment options can be beneficial if you want some breathing room when paying your monthly bills.
You might not always be able to pay in full at the end of each month, and that’s okay.
Business gas credit cards allow you to make smaller payments, so you don’t have to overspend.
Plus, making small payments each month can help you slowly pay off your debt without having to worry about interest.
Having excellent credit compared to fair credit (and especially bad credit) can make you a more desirable bank customer.
This can give you an advantage when looking for a business gas credit card, especially during the first months of card membership.
Credit card offers and their rates might be slightly different for people with differing credit, so it can be a good idea to check out your options before signing up.
Business gas credit cards can also come with different benefits that can be incredibly useful when traveling for work.
Some of these include travel insurance, such as luggage insurance, flight accident insurance, and more.
Depending on your business needs, you should look into the terms and conditions for each card before choosing one that will work best for you.
When signing up for any credit card, one common feature that you’re usually offered is fraud protection.
This means that if someone were to steal your information and use your card without your permission, you would not be held liable for the charges.
This can be a lifesaver if your card is ever stolen or compromised in any way.
A business gas card can have the same fraud protection features as other business or even personal credit cards, so you must understand what is covered before signing up.
While not all gas credit cards offer an intro APR, it can be a great feature to have if you’re looking to save money on interest in the early stages of your card membership.
Cardholders can usually expect an intro APR of 0% for a certain number of months, depending on the card. This can help you save money on interest charges in the short term.
With some cards changing to a variable APR after the intro period, it’s essential to make sure you understand the terms and conditions before applying.
When it comes to APR, the best credit cards for business will usually offer a lower APR than personal credit cards.
This is because business credit cards are typically used for larger purchases, and this feature can help you save money on interest charges.
While business gas cards might not offer the same airline bonuses as some more travel-focused credit cards, they can still come with a few perks.
Some business gas cards offer bonus points or miles for every dollar you spend on airfare.
This can be a great way to rack up rewards quickly and save money on future flights.
Plus, if you’re already a loyal customer of a specific airline, using their affiliated business gas card could give you even more benefits.
The right business gas credit card will help build your credit. This can be incredibly useful in the future when you want to make big purchases or take out commercial real estate loans.
If your credit is terrible, it might not be worth applying for one of these cards just yet, but otherwise, this could allow you to improve your score by doing business with a credit card company.
In addition, some of the best startup business credit cards with no credit allow you to build your credit from scratch, so it’s something to consider if you’re just starting out.
Some business gas credit cards also come with a checking account that you can use to manage your finances efficiently.
The best business checking accounts also offer the benefits of debit cards and online banking, so you can easily keep track of your money.
Furthermore, if you’re looking for a place to invest your money, some of these cards also offer interest on checking account balances.
The card issuer might offer statement credit for things like business-related expenses.
This could be a great way to offset the cost of doing business and save money on your monthly budget, especially if you’re looking for ways to optimize your spending.
Regular statement credits can help you save money in unexpected ways, so it’s worth checking out what types of perks come with your potential business credit card.
Some of the best gas cards for small businesses include car rental insurance, which can help you save money on expensive vehicle fees if you need to rent a car and use it for work.
Rewards credit card companies know that business travelers need this type of insurance, so they often include it as a benefit.
When using this type of insurance, know that terms apply and can vary depending on the card you use.
Some of the best small business credit cards are essential when an emergency arises, and you need to travel somewhere right away.
This type of service can help you get out of a bind by providing precisely what you need in critical moments.
Whether it’s a specific hotel booking for a few nights or an airline ticket for an unplanned flight, emergency help will always come in handy.
A rewards program in this situation can be a lifesaver, so it’s something to look for when applying for a business gas credit card.
The right gas credit card for small businesses might come with spending limits for employees.
This can be important to make sure your employees use the card responsibly and do not overspend on company expenses.
If you need a way to control how much money your employees spend, then find a card issuer that offers spending limits on their cards.
This can be a great way to keep your business expenses in check and avoid unwanted surprises.
The eligible net purchases that qualify for cashback bonuses might differ for each card, so it’s essential to read the terms and conditions before signing up carefully.
Most business gas cards also require a higher credit limit than personal cards at the account opening stage.
In addition, consider balance transfers as an option when doing business since most business gas cards have a 0% APR for the first 12 to 18 months on these types of balances.
Most online business bank accounts offer a sign-up bonus, so if you’re looking for a business bank account as well, make sure to compare this feature before making a decision.
When it comes to welcome offers, these are usually valid in the account anniversary year, and after that, such offers might not be available anymore.
Speaking of the anniversary year, the introductory APR might also revert to the standard variable purchase APR after the first year is over.
Always keep in mind that card offers are subject to change, so consider this when it comes to the time it takes for you to make a final decision when applying for your business gas credit card.
When looking for the best gas credit card for your business, it’s essential to consider various factors, such as those mentioned in the previous section.
These can help you determine which business gas credit cards are best for your spending habits and what types of purchases you would like to earn rewards on.
To summarize, the best gas credit cards for business are:
- U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®: Best for getting one of the highest cash back rates.
- Shell Fuel Rewards® Credit Card: Best for huge savings from participating gas stations.
- Bank of America® Customized Cash Rewards Secured: Best for building up credit while saving on gas money.
Remember that if you need more information before applying, then be sure to contact the bank’s customer service department or check out their terms and conditions online.
What do you think? Have you ever used gas credit cards before? Which business gas credit card do you already have, or are you planning to apply for?
Let me know in the comments below.
Further reading on AdamEnfroy.com: Did you know that debit cards can be used to build credit?
While this is something that not many might know, using a debit card can actually help.
There are a few things you need to do in order for this to work, but having the right card is more than half the battle.
Last Updated on December 8, 2022 by Adam Enfroy