When you open store-branded fuel cards with your preferred gas station like Shell or Chevron, you’ll only be able to earn rewards when you fill up your tank. But when you choose one of the best business gas cards on our list, you also may earn rewards when making purchases in other spending categories like office supplies. You’ll be able to issue employee cards to help monitor spending within your business fleet as well.
The best business gas cards of 2020 are:
- U.S. Bank Business Cash Rewards World Elite™ Mastercard®: (Best overall) Best for 3% back on gas purchases & 0% APR for 15 billing cycles
- Bank of America® Business Advantage Cash Rewards Mastercard®: Best for earning higher gas rewards through a relationship rewards program
- American Express Blue Business Cash™ Card: Best for top fixed-rate returns
- Costco Anywhere Visa® Business Card: Best for pocketing 4% cash back on gas purchases as a Costco member
- Wells Fargo Business Secured Credit Card: Best business gas card for bad credit
For more details on how we evaluate business credit cards for this list, see our methodology.
U.S. Bank Business Cash Rewards World Elite™ Mastercard®: Overall Best Business Gas Card
U.S. Bank Business Cash Rewards World Elite™ Mastercard®
Best For: 0% APR for 15 Billing Cycles
| Intro APR ?0% APR for 15 billing cycles on purchases and balance transfers | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|
| 0%* | 11.99% - 22.99% Variable | $0* | Excellent |
Why we like it: This U.S. Bank business credit card offers an unbeatable mix of gas rewards and cheap introductory financing, making it the best gas card for small businesses. You’ll earn 3% cash back on single fill-ups of up to $200. Beyond the gas rewards, you also can earn 3% at office supply stores and with cellphone providers.
While the at-the-pump rewards make this an excellent gas card for businesses, its introductory 0% APR period makes it even more valuable. You’ll be able to finance purchases or balance transfers for 15 billing cycles without paying interest. This offer also makes it one of the best small business credit cards.
Unlike other cards on our list, you can earn two cash-based bonuses if you meet certain requirements. Spend at least $900 per month on your card, including nongas-related purchases, and you’ll earn a sign-up bonus worth several hundred dollars. You’ll also earn an annual bonus of up to $250 based on your prior year’s rewards.
Bank of America® Business Advantage Cash Rewards Mastercard®: Best for Bonus Relationship Gas Rewards
Bank of America® Business Advantage Cash Rewards Mastercard® credit card
Best For: Up to 3% cash back in a spending category of your choice
| Intro APR ?0% APR for nine billing cycles on purchases | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|
|
0% 9 billing cycles |
12.24% - 22.24% Variable APR on purchases | $0.00 | Excellent |
Why we like it: This card offers a unique bonus rewards program that can boost your return rate well above the other cards on this list. Earn up to 3% cash back in a category of your choice, including fuel purchases. When you enroll in Bank of America’s Preferred Rewards for Business program, you can increase your return to up to 5.25% depending on your balance.
Corporate gas cards that offer bonus rewards like this are perfect for owners who already have an existing relationship with Bank of America. This card also offers an interest-free financing period for purchases, but the intro period length is shorter than our top pick’s financing offer. Consider this cash back business credit card if you have an existing Bank of America relationship.
American Express Blue Business Cash™ Card: Best for a High Fixed-rate Return
American Express Blue Business Cash™ Card
Best For: Earning 2% cash back every time you swipe and 0% introductory APR for 12 months
| Intro APR ?0% introductory APR for 12 months on purchases | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|
| 0% on purchases | 13.24% - 19.24% Variable | No annual fee | Good, Excellent |
Why we like it: Applying for this business gas card means you’ll earn the same rewards rate on gas purchases as you will on all other purchases. It pays 2% cash back regardless of your spending category. Plus, if you issue any gas cards to employees, they will also earn that rate, helping you maximize your rewards.
Beyond these fuel rewards, gas cards for businesses like this one can also give you more time to repay your transactions while avoiding interest. While it doesn’t offer the best interest-free financing deal on our list, it’s a close runner up. You’ll benefit from 12 months of no interest on both purchases.
This card also offers a unique feature: expanded buying power. You’re able to spend above your limit if you need access to more capital. However, American Express determines the amount you can charge over your limit.
Costco Anywhere Visa® Business Card: Best for Costco Members & 4% Cash Back on Gas Spending
Costco Anywhere Visa® Business Card by Citi
Best For: Existing or new Costco members
| Intro APR | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|
| N/A | 16.24% Variable | 0 | Good - Excellent |
Why we like it: People who frequently drive for work and are Costco members will find this gas card for business use extremely convenient. It pays 4% cash back at participating gas stations worldwide, including at Costco. Not only can you earn rewards on Costco gas, but you can also pocket 2% cash back on all other purchases from Costco and Costco.com. This rewards program makes it the best option for Costco members on this list.
Outside of gas rewards, this small business gas credit card doesn’t offer much value. Although it charges no annual fee, Costco business memberships start at $60 per year. Be sure your reward earnings can offset the annual fee to get the most value from the card.
Wells Fargo Business Secured Credit Card: Best Business Gas Card for Bad Credit
Wells Fargo Business Elite SignatureCard®
Best For: Businesses with over $1 million in annual sales
| Intro APR | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|
| N/A | Prime + 3.99% on purchases | $75 annual rewards program fee, waived the first year | Excellent |
Why we like it: The Wells Fargo Business Secured Credit Card is among the best business gas cards because it has fewer qualification requirements than most other gas cards. This card also gives you the option to choose between those two types of rewards. Businesses with little-to-no credit history will have a shot at rebuilding their business credit while earning 1.5% cash back or 1 point per dollar on gas purchases.
Business secured credit cards have credit limits that equal the cash deposit held in a collateral account. You can access limits of $500 to $25,000, depending on your deposit. Secured cards require you have this cash on hand, while traditional business gas cards let you borrow money from the issuer. Choose this card if your personal credit score is below 570 but you still want to cash in on gas purchases.
How We Evaluated Gas Cards for Business
When looking for cards for this list, we considered each card’s rewards program and any additional business features, including cheap introductory financing, availability of employee cards, and reward bonuses. However, we prioritized the return-rate for gas purchases specifically and ranked each card accordingly.
Gas Cards for Business vs Fuel Cards
Most major credit card companies offer business gas cards, but fuel cards partner with a specific gas station, such as the Shell Small Business Fuel Card. While fuel cards typically only offer rewards at their respective stations, traditional business gas cards let you earn rewards at any station and on other business-related expenses. Both options allow employee cards so that you can track business spending.
Reasons to Consider Gas Cards for Business
- Earn gas rewards at any station: Most branded gas cards, or fuel cards, only pay rewards when you pump at their company’s station. However, small business gas credit cards let you earn rewards on gas regardless of where you pump your fuel.
- Get money back on other business transactions: You’ll be able to pocket rewards on spending outside of gas stations, including categories like office supplies and telecommunication services.
- Issue employee gas cards: Much like a fuel or fleet card, company gas cards allow you to issue additional employee cards. This lets you track, monitor, and control their spending from an online dashboard to ensure your business fleet is spending its money efficiently.
Bottom Line
Business gas cards can not only help you save money at the pump but also when you’re making everyday business purchases. The best option pays a high return rate on fuel purchases while offering rewards in categories where your business spends the most each month.
