Editor’s note: This is a recurring post with regularly updated card details.
The best fuel cards for small businesses let you save money through discounts or rebates at gas stations or via points or cash back rewards on gas purchases. Consider the number of fueling sites where you can use the card, rewards for other purchases, and redemption methods when choosing the best card for your business. Your options include regular credit cards, charge cards, co-branded gas cards, and fleet cards.
The 11 best fuel cards for small businesses are the following:
- U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Best overall fuel card for small businesses with 0% APR for 12 months
- Coast Visa Card: Best universally accepted fleet charge card with customizable controls and fee savings
- Bank of America® Business Advantage Customized Cash Rewards Credit Card: Best for earning 3% cash back on the category of your choice
- Shell Small Business Card: Best for fuel purchases at Shell with no personal guarantee
- Phillips 66® Conoco® 76® Business Universal Card: Best charge card for use at major gas stations
- BP Business Solutions Fuel Plus: Best for small and midsize fleets that fuel up at BP and Amoco stations
- Chevron Texaco Business Access Card: Best for fuel rebates at Chevron and Texaco gas stations
- Costco Anywhere Visa® Business Card by Citi: Best for Costco members who want to earn premium rewards at eligible gas stations
- GM Business CardTM: Best for 5% cash back on GM dealership parts and services and 3% on gas and restaurant purchases
- U.S. Bank Business Altitude™ Connect World Elite Mastercard®: Best for travel perks and lucrative welcome offer
- Wyndham Rewards Earner Business Card: Best for frequent travelers who stay at Wyndham hotels
Best Fuel Cards for Small Business At a Glance
Best For | Annual Fee | Fuel-related Rewards | Nonfuel Ongoing Rewards | Credit Needed | ||
|---|---|---|---|---|---|---|
 U.S. Bank Business Triple Cash Rewards World Elite Mastercard® | Best overall fuel card for small businesses with 0% APR for 12 months | $0 | 3% cash back at any gas and EV charging station | Up to 5% cash back | Good to Excellent | |
 Coast Visa Card | Universally accepted fleet charge card with customizable controls and fee savings | None; only $4 monthly per active card | Up to 10 cents off per gallon | 1% cash back | Good to Excellent | |
 Bank of America® Business Advantage Customized Cash Rewards Credit Card | Earning 3% cash back on the category of your choice | $0 | 3% cash back at any gas station (gas is the default expense category) | Up to 3% cash back | Excellent | |
 Shell Small Business Card | Fuel purchases at Shell with no personal guarantee | $0 | Up to 6 cents per gallon at Shell Stations | Exclusive discounts at participating Jiffy Lube stations | Good | |
 Phillips 66® Conoco® 76® Business Universal Card | Best charge card for use at major gas stations | Undisclosed | Up to 7 cents per gallon at 76®, Conoco®, and Phillips 66® | None | N/A | |
 BP Business Solutions Fuel Plus | Small and midsize fleets that fuel up at BP and Amoco stations | $12 monthly | Up to 7 cents rebates at BP and Amoco locations | None | Poor to Good | |
 Chevron Texaco Business Access Card | Earning fuel rebates at Chevron and Texaco gas stations | Undisclosed | Up to 6 cents per gallon at Chevron and Texaco stations | None | N/A | |
 Costco Anywhere Visa® Business Card by Citi | Costco members who want to earn premium rewards at eligible gas stations | None; only pay for Costco membership | Up to 4% cash back at eligible gas stations, including Costco | Up to 4% cash back | Excellent | |
 GM Business CardTM | Earning 5% cash back on GM dealership parts and services and 3% on gas and restaurant purchases | $0 | 3% cash back at any gas station | Up to 5% cash back | Good to Excellent | |
 U.S. Bank Business AltitudeTM Connect World Elite Mastercard® | Travel perks and lucrative welcome offer | $95; waived for the first year | Up to 4x points at any gas and EV charging station | Up to 5x points | Good to Excellent | |
 Wyndham Rewards Earner Business Card | Frequent travelers who stay at Wyndham hotels | $95 | 8x points at any qualifying gas station | Up to 8x points | Good to Excellent |
To see how these credit cards stack up against others we have reviewed on our site, click Add to Compare on a card below and select up to two additional cards for comparison.
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Best Overall Fuel Card for Small Businesses With 0% APR for 12 Months
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
Those wanting to earn up to 5% cash back on selected spending categories
Intro APR
0% intro on purchases for 12 billing cycles
Regular APR
18.24% - 27.24% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee
Intro APR
0% intro on purchases for 12 billing cycles
Regular APR
18.24% - 27.24% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee
It is our best overall business fuel card because it offers 0% APR for the first 12 billing cycles on purchases, making it best for business owners who need to make a large purchase or consolidate debts. Plus, it lets you earn 3% cash back on gas expenses.
- 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center
- 3% cash back at any gas station and on dining, office supplies, and mobile phone services
- 1% cash back on all other purchases
- $0 annual fee
- $750 bonus cash back if you spend $6,000 within the first 180 days of card ownership
- $100 annual statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks
- ExtendPay® Plan feature lets you pay your large purchase in monthly installments without interest—only a small monthly fee
Note that your rewards are unlimited and have no expiry, which is why this card is one of our best cash back business credit cards. Also, its long 0% APR period on purchases makes it our top business card with 0% APR offers.
Coast Visa Card: Best Universally Accepted Fleet Charge Card With Customizable Controls & Fee Savings
Coast Fuel Card
BEST FOR:
Businesses with small to large fleets
Intro APR
N/A
Regular APR
N/A
Annual Fee
None, only $4 per active card per month
Credit Needed
Good to Excellent
- 2 to 10 cents off per gallon everywhere Visa is accepted
- 1% back on non-fuel purchases
Pros
- Universally accepted fleet card
- 1% cash back on nonfuel purchases
- Doesn’t require personal guarantee
Cons
- Charges monthly fees to active users
- Balance is due in full each month
- Doesn’t support cash withdrawals
- Customizable controls
- Spend reports
- Exclusive discounts from large partner networks
- Integrations with Quickbooks, Fleetio, Samsara, Geotab, Verizon Connect, Azuga, and more
Intro APR
N/A
Regular APR
N/A
Annual Fee
None, only $4 per active card per month
Credit Needed
Good to Excellent
- 2 to 10 cents off per gallon everywhere Visa is accepted
- 1% back on non-fuel purchases
Pros
- Universally accepted fleet card
- 1% cash back on nonfuel purchases
- Doesn’t require personal guarantee
Cons
- Charges monthly fees to active users
- Balance is due in full each month
- Doesn’t support cash withdrawals
- Customizable controls
- Spend reports
- Exclusive discounts from large partner networks
- Integrations with Quickbooks, Fleetio, Samsara, Geotab, Verizon Connect, Azuga, and more
It is a universally accepted fleet card that allows you to monitor your expenses and control your spending. For a monthly fee of only $4 per active card, you can access an expense management platform with robust controls and enjoy up to 10 cents off per gallon on fuel. It is designed for businesses that operate fleets but also want to earn rewards on other non-fuel expenses.
- 2 cents to 10 cents off per gallon anywhere Visa is accepted
- Unlimited 1% cash back on all other non-fuel purchases
- Access to Coast portal that offers robust controls, allowing you to set limits, authorize payments, and order and assign cards to employees
- Real-time visibility allows you to monitor your spending and get alerts for any suspicious transactions
- Helps build business credit because Coast reports your monthly transactions to the Small Business Financial Exchange (SBFE®)
- No personal guarantee required, which means you won’t be held personally liable for your business’s debts
Note that the Coast Visa Card is a charge card, so you need to pay your full balance each month. Otherwise, you’ll be charged a penalty fee of $35. It is also one of our top business cards for LLCs.
Bank of America® Business Advantage Customized Cash Rewards Credit Card: Best for Earning 3% Cash Back on the Category of Your Choice
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
BEST FOR:
Those who want to earn 3% cash back in a spending category of their choice
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You'll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for Preferred Rewards for Business Platinum Honors tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- No annual fee.
- Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire as long as your account remains open.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Offers flexible redemption options
- $0 annual fee
- Welcome offer
Cons
- Premium cash back rewards are capped on a selected spending category
- Charges foreign transaction fees
- Short introductory APR period
- Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
- Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
- Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You'll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for Preferred Rewards for Business Platinum Honors tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- No annual fee.
- Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire as long as your account remains open.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Offers flexible redemption options
- $0 annual fee
- Welcome offer
Cons
- Premium cash back rewards are capped on a selected spending category
- Charges foreign transaction fees
- Short introductory APR period
- Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
- Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
- Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
The card’s unique feature is that it lets you take control of which spending category you earn premium cash back on. With this, you can choose to earn 3% cash back on gas (which is the default category) on up to $50,000 maximum worth of purchases per year. Plus, if you have a business checking account with Bank of America, you can earn up to 75% more rewards through the Preferred Rewards for Business program.
- 3% cash back
On the first $50,000 combined expenses on your chosen category and dining
on your chosen category, including:
- Gas (default)
- Office supplies
- Travel
- TV/Telecom and wireless services
- Computer services
- Business consulting services
- 2% cash back On the first $50,000 combined expenses on your chosen category and dining on dining
- 1% cash back on all other expenses and when the cap is met
- $0 annual fee
- $300 bonus cash back when you spend $3,000 within three months of card ownership
- 0% Introductory APR on purchases for the first 9 billing cycles
- Access to Mobile Banking app or Business Advantage 360—you can change your choice category through these tools at least once per calendar month
This card is also one of our best small business credit cards because of its rewards flexibility. Also, if you’re interested in getting a business checking account with the provider, see our Bank of America business checking review.
Shell Small Business Card: Best for Fuel Purchases at Shell With No Personal Guarantee
Shell Small Business Card
BEST FOR:
Larger businesses
Intro APR
N/A
Regular APR
rates not disclosed—call (855) 398-9165 for the rates
Annual Fee
None
Credit Needed
Good
- Earn rebates of up to 5 cents per gallon
Pros
- Zero card fees
- Discounts at Jiffy Lube locations
Cons
- Businesses need to earn at least $1 million annually to qualify
- Total savings capped at $300 per billing cycle
- Online and mobile account management
- Cancel stolen or lost cards in real time online
- 24/7 customer service available
- Payment flexibility―revolve your balance or pay in full each billing cycle
Intro APR
N/A
Regular APR
rates not disclosed—call (855) 398-9165 for the rates
Annual Fee
None
Credit Needed
Good
- Earn rebates of up to 5 cents per gallon
Pros
- Zero card fees
- Discounts at Jiffy Lube locations
Cons
- Businesses need to earn at least $1 million annually to qualify
- Total savings capped at $300 per billing cycle
- Online and mobile account management
- Cancel stolen or lost cards in real time online
- 24/7 customer service available
- Payment flexibility―revolve your balance or pay in full each billing cycle
This card offers up to 6 cents per gallon rebates when you fuel up at Shell gas stations. It also offers exclusive discounts for services at Jiffy Lube stations. It doesn’t require personal guarantee, making it best for business owners seeking a dedicated fuel card but not wanting to be personally liable for their business’s obligations.
- Up to 6 cents per gallon at Shell Stations
- Up to 15% discounts at participating Jiffy Lube stations for oil changes and preventative maintenance
- $0 setup, monthly, and annual fees
- You can carry a balance each month with interest
- Accepted at nearly 13,000 Shell stations and participating Jiffy Lube locations nationwide
- Access to detailed reports online, including purchase controls and data analytics
- 24/7 customer service
- No personal guarantee required—in fact, it is one of our leading business cards with no personal guarantee
Your business must earn at least $1 million in annual revenue to qualify for the card. Also, note that the card isn’t affiliated with either Visa or Mastercard and can only be used at over 13,000 Shell stations and participating Jiffy Lube locations across the country. This means you cannot use this for other business-related purchases at other merchants.
Phillips 66® Conoco® 76® Business Universal Card: Best Charge Card for Use at Major Gas Stations
Phillips 66® Conoco® 76® Business Universal Card
BEST FOR:
Earning up to 7 cents per gallon
Intro APR
N/A
Regular APR
N/A
Annual Fee
not disclosed—call (888) 309-0095 for info
Credit Needed
N/A
- Save up to 7 cents per gallon at more than 6,800 76®, Conoco®, and Phillips 66® locations
- With the 76 Universal Card, you can save up to 7¢ a gallon (based on monthly gallons purchased at 76®, Phillips 66® and Conoco® locations).
Pros
- Accepted at 95% of US gas stations
- 24/7 roadside assistance and 24/7 customer service
- One-click reports include:
- Purchase activity
- Exception, transaction summary, and transaction deals
- Financial summary, site summary, and exception summary
- Tax exemption (for qualified fleets)
Cons
- Not a credit card but a charge card, so the balance is due in full each billing cycle
- Rebates only available at 76®, Conoco®, and Phillips 66® locations
- Unique driver IDs help prevent unauthorized purchases
- Manage spending by card or driver
- Restrict card use to times of day or days of week
- Limit card use by product type, location, or amount
- Discounts at 76®, Conoco®, and Phillips 66® locations:
- 500 to 2,499 monthly gallons: 3-cent discount per gallon
- 2,500 to 4,999 monthly gallons: 4-cent discount per gallon
- 5,000 to 6,999 monthly gallons: 5-cent discount per gallon
- 7,000 to 9,999 monthly gallons: 6-cent discount per gallon
- 10,000 or more monthly gallons: 7-cent discount per gallon
Intro APR
N/A
Regular APR
N/A
Annual Fee
not disclosed—call (888) 309-0095 for info
Credit Needed
N/A
- Save up to 7 cents per gallon at more than 6,800 76®, Conoco®, and Phillips 66® locations
- With the 76 Universal Card, you can save up to 7¢ a gallon (based on monthly gallons purchased at 76®, Phillips 66® and Conoco® locations).
Pros
- Accepted at 95% of US gas stations
- 24/7 roadside assistance and 24/7 customer service
- One-click reports include:
- Purchase activity
- Exception, transaction summary, and transaction deals
- Financial summary, site summary, and exception summary
- Tax exemption (for qualified fleets)
Cons
- Not a credit card but a charge card, so the balance is due in full each billing cycle
- Rebates only available at 76®, Conoco®, and Phillips 66® locations
- Unique driver IDs help prevent unauthorized purchases
- Manage spending by card or driver
- Restrict card use to times of day or days of week
- Limit card use by product type, location, or amount
- Discounts at 76®, Conoco®, and Phillips 66® locations:
- 500 to 2,499 monthly gallons: 3-cent discount per gallon
- 2,500 to 4,999 monthly gallons: 4-cent discount per gallon
- 5,000 to 6,999 monthly gallons: 5-cent discount per gallon
- 7,000 to 9,999 monthly gallons: 6-cent discount per gallon
- 10,000 or more monthly gallons: 7-cent discount per gallon
The best thing about this card is that while it is a gas station-specific card, it is accepted at over 7,500 Phillips 66®, Conoco®, and 76® locations and over 45,000 service locations nationwide. You can save up to 7 cents off per gallon at these gas stations—the rebate rate varies depending on the amount of fuel you purchase in a month.
- 3 cents off per gallon if you fill up 500 to 2,499 gallons in a month
- 4 cents off per gallon if you fill up 2,500 to 4,999 gallons in a month
- 5 cents off per gallon if you fill up 5,000 to 6,999 gallons in a month
- 6 cents off per gallon if you fill up 7,000 to 9,999 gallons in a month
- 7 cents off per gallon if you fill up 10,000 or more gallons in a month
- 10 cents off per gallon at Phillips 66®, Conoco® and 76® for the first six months
- Automatic fuel expense tracking lets you view all transactions made with your card, so you can manage vehicle-related costs and plan budgets
- Qualified businesses will have access to tax exemption reports, which include exemptions that can be applied to your account
- 24/7 customer service
Keep in mind that this card can only be used at Phillips 66®, Conoco®, and 76® gas and service locations. Also, it is a charge card and not a credit card, so you must pay your balance in full each month.
BP Business Solutions Fuel Plus: Best for Small and Midsize Fleets That Fuel Up at BP & Amoco Stations
BP Business Solutions Fuel Plus
BEST FOR:
Small to Midsized Fleets That Fuel Up at BP & Amoco Stations
Intro APR
N/A
Regular APR
WSJ Prime Rate + 14.99% to 23.99%
Annual Fee
None. Monthly membership fee is $12, waived for each month you purchase over 5,000 gallons of fuel
Credit Needed
Poor, Good
- Up to 6 cents with volume-based rebates fuel purchases made at participating BP or Amoco branded locations in the US.
Pros
- Rebates on gas purchases at BP or Amoco branded locations in the US
- Tax exempt reporting
- Revolving and nonrevolving options available
Cons
- High APR
- High monthly fee
- Exclusive for use at BP or Amoco branded locations only
- Tax-exempt reporting
- Set card controls and purchase restrictions
- Online account manager
Intro APR
N/A
Regular APR
WSJ Prime Rate + 14.99% to 23.99%
Annual Fee
None. Monthly membership fee is $12, waived for each month you purchase over 5,000 gallons of fuel
Credit Needed
Poor, Good
- Up to 6 cents with volume-based rebates fuel purchases made at participating BP or Amoco branded locations in the US.
Pros
- Rebates on gas purchases at BP or Amoco branded locations in the US
- Tax exempt reporting
- Revolving and nonrevolving options available
Cons
- High APR
- High monthly fee
- Exclusive for use at BP or Amoco branded locations only
- Tax-exempt reporting
- Set card controls and purchase restrictions
- Online account manager
This card is excellent for those who own small and midsize fleets and fuel up at BP and Amoco exclusively. It lets you save up to 7 cents with volume-based rebates.
- 3 cents off per gallon for 300 to 2,999 gallons per month
- 4 cents off per gallon for 3,000 to 4,999 gallons per month
- 5 cents off per gallon for 5,000 to 9,999 gallons per month
- 7 cents off per gallon for 10,000 gallons or more per month
- 15 cents off per gallon for the first 3 months as a welcome offer
- Online control and visibility let you set fuel-only limits on employee cards and access reports
- Transaction and tax-exempt reports are available to make tax season easier
- Security and fraud controls allow you to require driver ID and odometer entries for every purchase
- Secure payment portal lets you schedule payments conveniently
Keep in mind that this card is exclusive for use at BP- and Amoco-branded locations in the US; you cannot use this card to gas up at other gas stations or make other purchases. Also, it charges a monthly membership fee of $12.
Chevron Texaco Business Access Card: Best for Fuel Rebates at Chevron & Texaco stations
Chevron Texaco Business Access Fuel Card
BEST FOR:
Long-distance driving
Intro APR
None
Regular APR
N/A
Annual Fee
not disclosed, contact (888) 531-3698 for info
Credit Needed
N/A
- Save up to 6 cents per gallon at nearly 8,000 Chevron and Texaco locations
Pros
- Accepted at 95% of US gas stations
- 24/7 customer service and 24/7 roadside assistance available
- One-click reports include:
- Purchase activity
- Exception, transaction summary, and transaction deals
- Financial summary, site summary, and exception summary
- Tax exemption (for qualified fleets)
Cons
- Not a credit card but a charge card, so the balance is due in full each billing cycle
- Rebates only available at Chevron and Texaco locations
Discounts of up to 6 cents a gallon at nearly 8,000 Chevron and Texaco locations:
- 500 to 1,999 monthly gallons: 1-cent rebate per gallon
- 2,000 to 3,999 monthly gallons: 2-cent rebate per gallon
- 4,000 to 5,999 monthly gallons: 3-cent rebate per gallon
- 6,000 to 7,999 monthly gallons: 4-cent rebate per gallon
- 8,000 to 9,999 monthly gallons: 5-cent rebate per gallon
- 10,000 or more monthly gallons: 6-cent rebate per gallon
Intro APR
None
Regular APR
N/A
Annual Fee
not disclosed, contact (888) 531-3698 for info
Credit Needed
N/A
- Save up to 6 cents per gallon at nearly 8,000 Chevron and Texaco locations
Pros
- Accepted at 95% of US gas stations
- 24/7 customer service and 24/7 roadside assistance available
- One-click reports include:
- Purchase activity
- Exception, transaction summary, and transaction deals
- Financial summary, site summary, and exception summary
- Tax exemption (for qualified fleets)
Cons
- Not a credit card but a charge card, so the balance is due in full each billing cycle
- Rebates only available at Chevron and Texaco locations
Discounts of up to 6 cents a gallon at nearly 8,000 Chevron and Texaco locations:
- 500 to 1,999 monthly gallons: 1-cent rebate per gallon
- 2,000 to 3,999 monthly gallons: 2-cent rebate per gallon
- 4,000 to 5,999 monthly gallons: 3-cent rebate per gallon
- 6,000 to 7,999 monthly gallons: 4-cent rebate per gallon
- 8,000 to 9,999 monthly gallons: 5-cent rebate per gallon
- 10,000 or more monthly gallons: 6-cent rebate per gallon
One of the best things about this card is that it is not exclusive for use at Chevron and Texaco gas stations as it is accepted at most major fuel stations across the US. However, when you gas up at nearly 8,000 Chevron and Texaco stations, you can save up to 6 cents per gallon.
- 1 cent off per gallon for 500 to 1,999 gallons per month
- 2 cents off per gallon for 2,000 to 3,999 gallons per month
- 3 cents off per gallon for 4,000 to 5,999 gallons per month
- 4 cents off per gallon for 6,000 to 7,999 gallons per month
- 5 cents off per gallon for 8,000 to 9,999 gallons per month
- 6 cents off per gallon for 10,000 or more gallons per month
- Online account management lets you set spending limits for employees and view reports on purchase activity and financial summaries
- Automatic accounting saves you time on paperwork
- 24/7 US-based customer advisors available
- Access to special discounts on auto parts, tires, hotels, and more (for qualified cardholders)
You’ll only receive rebates if you gas up at Chevron and Texaco stations, but you can use the card at most other gas stations in the country. Also, this card is a charge card and not a credit card, so there’s no ongoing APR because your full balance is due every month.
Costco Anywhere Visa® Business Card by Citi: Best for Costco Members Who Want to Earn Premium Rewards at Eligible Gas Stations
Costco Anywhere Visa® Business Card by Citi
BEST FOR:
Existing or new Costco members
Intro APR
N/A
Regular APR
20.49% variable
Annual Fee
None, but you must be a Costco member to qualify
Credit Needed
Excellent
- 4% cash back on eligible gas worldwide, including gas at Costco, for the first $7,000 per year and then 1% thereafter
- 3% cash back on restaurant and eligible travel purchases worldwide
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
Pros
- Doesn’t charge annual and foreign transaction fees
- Generous cash back rewards
Cons
- No 0% introductory APR period
- Premium rewards are only suited to those who frequently shop at Costco
- Need to secure Costco membership to qualify
- Damage and theft protection: This can cover you for either repairs or a refund if items purchased with your Citi card are damaged or stolen within 120 days of purchase―90 days for New York residents.
- Rental car damage plan: If you rented a car through Costco travel, a rental car damage plan with Costco preferred rates will be made available to you via Zurich. This offers coverage for rental car damage because of an accidental collision, theft, vandalism, and more.
- Citi® Quick Lock: This helps block new purchases and cash advances instantly while allowing recurring transactions, payments, balance transfers, and credits to continue without disruption.
- FICO® scores: Citi believes it is important for you to be updated on your credit status. Hence, they partnered with FICO and Equifax to give you a better understanding of where your credit status is.
- Citi® Concierge: Citi® Concierge gives you access to several experts who work around the clock to help you with your travel, shopping, dining, entertainment, and everyday needs.
Intro APR
N/A
Regular APR
20.49% variable
Annual Fee
None, but you must be a Costco member to qualify
Credit Needed
Excellent
- 4% cash back on eligible gas worldwide, including gas at Costco, for the first $7,000 per year and then 1% thereafter
- 3% cash back on restaurant and eligible travel purchases worldwide
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
Pros
- Doesn’t charge annual and foreign transaction fees
- Generous cash back rewards
Cons
- No 0% introductory APR period
- Premium rewards are only suited to those who frequently shop at Costco
- Need to secure Costco membership to qualify
- Damage and theft protection: This can cover you for either repairs or a refund if items purchased with your Citi card are damaged or stolen within 120 days of purchase―90 days for New York residents.
- Rental car damage plan: If you rented a car through Costco travel, a rental car damage plan with Costco preferred rates will be made available to you via Zurich. This offers coverage for rental car damage because of an accidental collision, theft, vandalism, and more.
- Citi® Quick Lock: This helps block new purchases and cash advances instantly while allowing recurring transactions, payments, balance transfers, and credits to continue without disruption.
- FICO® scores: Citi believes it is important for you to be updated on your credit status. Hence, they partnered with FICO and Equifax to give you a better understanding of where your credit status is.
- Citi® Concierge: Citi® Concierge gives you access to several experts who work around the clock to help you with your travel, shopping, dining, entertainment, and everyday needs.
This card lets Costco members earn up to 4% cash back on fuel expenses and other expense categories. Even if it is a co-branded card, you can use it for other business-related purchases anywhere Visa® is accepted. Your rewards will be given as an annual credit card reward certificate for redemption only at a Costco warehouse (not online). You can redeem your rewards for either cash or Costco merchandise.
- 4% cash back for the first $7,000 each calendar year on gas purchases at eligible gas stations, including Costco
- 3% cash back on restaurants and eligible travel purchases
- 2% cash back on nonfuel purchases from Costco and Costco.com
- 1% cash back on all other purchases and after the cap on fuel expenses is met
- $0 annual fee (but you need to pay for Costco membership)
- $0 foreign transaction fee
- Citi Entertainment® feature provides special access to purchase tickets to thousands of events like presale tickets and exclusive experiences for concerts, sporting events, dining experiences, and more
You need to have an active Costco membership to qualify as this card is exclusive for Costco members. As one of our best business cards that don’t report to personal credit bureaus, it’s also a great option if you don’t want your business transactions to affect your personal credit score.
GM Business CardTM: Best for 5% Cash Back on GM Dealership Parts and Services & 3% on Gas and Restaurant Purchases
GM Business™ Mastercard®
BEST FOR:
Those who do business regularly with GM
Intro APR
0% APR
Regular APR
19.24% to 29.24% variable
Annual Fee
None
Credit Needed
Good/Excellent
- 5% back on purchases of GM Genuine and ACDelcro Parts, accessories, and paid Certified Service at authorized GM Dealers
- 3% back on purchases from gas stations, restaurants, and office supply stores.
- 1% back on all other purchases
Pros
- Welcome offer
- Has 0% introductory APR on purchases
- No additional fees
Cons
- Limited rewards redemption options
- No balance transfer offers
- Employee cards: Increase your earned rewards, set individual spending limits, and track employee spending activity by creating cards for your employees at no additional costs.
- Zoho Social discount: Earn 50% off Zoho Social, a social media management tool that helps small businesses grow their social media presence. Note that this is only applicable to new Zoho users and is valid for a customer’s first annual subscription.
- TurboTax discount: Save up to $20 on TurboTax federal products.
- ShopRunner: Get free ShopRunner membership, valued at $79, providing you free two-day shipping and free returns.
- Microsoft Advertising: Get $125 worth of advertising credit after spending $10 with Microsoft Advertising. This is only applicable to new customers.
Intro APR
0% APR
Regular APR
19.24% to 29.24% variable
Annual Fee
None
Credit Needed
Good/Excellent
- 5% back on purchases of GM Genuine and ACDelcro Parts, accessories, and paid Certified Service at authorized GM Dealers
- 3% back on purchases from gas stations, restaurants, and office supply stores.
- 1% back on all other purchases
Pros
- Welcome offer
- Has 0% introductory APR on purchases
- No additional fees
Cons
- Limited rewards redemption options
- No balance transfer offers
- Employee cards: Increase your earned rewards, set individual spending limits, and track employee spending activity by creating cards for your employees at no additional costs.
- Zoho Social discount: Earn 50% off Zoho Social, a social media management tool that helps small businesses grow their social media presence. Note that this is only applicable to new Zoho users and is valid for a customer’s first annual subscription.
- TurboTax discount: Save up to $20 on TurboTax federal products.
- ShopRunner: Get free ShopRunner membership, valued at $79, providing you free two-day shipping and free returns.
- Microsoft Advertising: Get $125 worth of advertising credit after spending $10 with Microsoft Advertising. This is only applicable to new customers.
It offers premium rewards for parts and services from your local GM dealership on top of the 3% cash back you’ll earn at gas stations. It comes with a generous welcome offer, and you can take advantage of interest-free financing on purchases for the first nine months after opening an account.
- 5% cash back on parts and service from your local GM dealership
- 3% cash back on gas, restaurants, and office supply stores
- 1% cash back on all other purchases
- $750 bonus cash back when you spend $5,000 in your first five months of card ownership
- $0 annual, balance transfer, and cash advance fees
- Free employee cards
- Mastercard Easy Savings® lets you enjoy exclusive discounts on qualified purchases at participating merchants nationwide
- Simple online platform lets you track your transactions and set unique spending limits on employee cards
This card is best for those who drive a Chevrolet, GMC, Cadillac, or Buick. You can redeem your rewards toward an eligible new vehicle—like Chevrolet, Buick, GMC, or Cadillac—at a participating GM dealership.
U.S. Bank Business Altitude™ Connect World Elite Mastercard®: Best for Travel Perks & Lucrative Welcome Offer
U.S. Bank Business Altitude™ Connect World Elite Mastercard®
Intro APR
N/A
Regular APR
19.24% - 26.24% Variable
Annual Fee
$0 intro annual fee for the first year, $95 thereafter.
Credit Needed
Excellent, Good
- Introducing the U.S. Bank Business Altitude Connect™ World Elite Mastercard®, the business travel card that's 5X more rewarding.
- Limited Time Offer: Earn 60,000 bonus points, worth $600 if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- Earn 4X points on travel, gas and EV charging stations* on the first $150,000 in combined annual spend (*excludes discount stores/supercenters and wholesale clubs).
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Earn a $25 statement credit for every three consecutive monthly taxi or rideshare trips.
- $0 intro annual fee for the first year, $95 per year thereafter.
- Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
- Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,300 VIP lounges worldwide, plus four complimentary visits per membership year.
- Terms and conditions apply.
Pros
- Large welcome offer
- Priority Pass Digital annual membership with access to more than 1,300 VIP lounges worldwide and four complimentary visits per membership year
- ExtendPay® Plan feature lets you divide your large purchase into fixed monthly installments without interest—only a small monthly fee
Cons
- No 0% APR offers
- Premium rewards on travel and fuel have a maximum cap
- Charges annual fee
- Free employee cards
- ExtendPay® Plan
- Transfer points between your business and personal Altitude cards
Intro APR
N/A
Regular APR
19.24% - 26.24% Variable
Annual Fee
$0 intro annual fee for the first year, $95 thereafter.
Credit Needed
Excellent, Good
- Introducing the U.S. Bank Business Altitude Connect™ World Elite Mastercard®, the business travel card that's 5X more rewarding.
- Limited Time Offer: Earn 60,000 bonus points, worth $600 if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- Earn 4X points on travel, gas and EV charging stations* on the first $150,000 in combined annual spend (*excludes discount stores/supercenters and wholesale clubs).
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Earn a $25 statement credit for every three consecutive monthly taxi or rideshare trips.
- $0 intro annual fee for the first year, $95 per year thereafter.
- Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
- Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,300 VIP lounges worldwide, plus four complimentary visits per membership year.
- Terms and conditions apply.
Pros
- Large welcome offer
- Priority Pass Digital annual membership with access to more than 1,300 VIP lounges worldwide and four complimentary visits per membership year
- ExtendPay® Plan feature lets you divide your large purchase into fixed monthly installments without interest—only a small monthly fee
Cons
- No 0% APR offers
- Premium rewards on travel and fuel have a maximum cap
- Charges annual fee
- Free employee cards
- ExtendPay® Plan
- Transfer points between your business and personal Altitude cards
On top of the 4x points per dollar you’ll get on gas and EV charging stations, the card offers premium travel rewards and perks, making it a great choice for those who travel frequently. It comes with Priority PassTM Digital annual membership, which lets you access over 1,300 VIP airport lounges worldwide, where you get four complimentary visits per year. What’s more, you’ll receive 60,000 bonus points—equivalent to $600 in cash back—when you spend at least $6,000 within 180 days of card ownership.
- 5x points on hotel stays and car rentals booked directly in the Rewards Center
- 4x points on travel, including airfare, hotels, gas, and EV charging stations on the first $150,000 in combined annual spend
- 2x points on dining, takeout, restaurant delivery, and cell phone services
- 1x points on all other purchases
- $0 annual fee for the first year, then $95 thereafter
- $0 foreign transaction fee
- Free employee cards
- ExtendPay® Plan feature lets you pay your large purchase in monthly installments for a small monthly fee and without interest
- Transfer points between your personal and business U.S. Bank Altitude® Go or Altitude® Connect cards to pool your rewards
You can redeem your points toward merchandise, gift cards, cash back, travel, and more. Due to the card’s generous rewards, it is also one of our leading business cards with no foreign transaction fees.
Wyndham Rewards Earner Business Card: Best for Frequent Travelers Who Stay at Wyndham Hotels
Wyndham Rewards Earner® Business Card
BEST FOR:
Those who frequently stay at Wyndham hotels
Intro APR
0% APR for six billing cycles on all Wyndham Timeshare purchases
Regular APR
20.74% to 29.74% variable
Annual Fee
$95
Credit Needed
Good to Excellent
- Earn 75,000 bonus points after spending $3,000 on purchases in the first 90 days
- 8 points per dollar on eligible purchases made at Hotels by Wyndham and qualifying gas stations
- 5 points per dollar on eligible marketing, advertising, and utility purchases
- 15,000 annual bonus points each anniversary year
Pros
- Offers 0% introductory APR on qualifying Wyndham Timeshare Purchase
- With premium rewards and anniversary bonus
- Generous welcome offer
Cons
- Introductory APR does not apply to regular purchases and balance transfers
- Charges an annual fee
- Automatic Diamond level: Receive an automatic Wyndham Rewards Diamond level status with your Wyndham Rewards program membership, allowing you to enjoy perks like suite upgrades, welcome amenities at check-in, late checkout, and free Wi-Fi.
- go free® Faster: Use 10% less Wyndham Rewards points when you redeem for go free® awards.
- Cardmember booking discounts: Take advantage of exclusive cardmember discounts for stays at participating Hotels by Wyndham. For more information, visit www.WyndhamRewards.com/terms/cardmemberrate.
- Cellphone protection: This is supplemental coverage for damage to or theft of your cellphone. To be eligible, you must charge your monthly cellphone bill to this card. Note that restrictions, limitations, and exclusions will apply.
Intro APR
0% APR for six billing cycles on all Wyndham Timeshare purchases
Regular APR
20.74% to 29.74% variable
Annual Fee
$95
Credit Needed
Good to Excellent
- Earn 75,000 bonus points after spending $3,000 on purchases in the first 90 days
- 8 points per dollar on eligible purchases made at Hotels by Wyndham and qualifying gas stations
- 5 points per dollar on eligible marketing, advertising, and utility purchases
- 15,000 annual bonus points each anniversary year
Pros
- Offers 0% introductory APR on qualifying Wyndham Timeshare Purchase
- With premium rewards and anniversary bonus
- Generous welcome offer
Cons
- Introductory APR does not apply to regular purchases and balance transfers
- Charges an annual fee
- Automatic Diamond level: Receive an automatic Wyndham Rewards Diamond level status with your Wyndham Rewards program membership, allowing you to enjoy perks like suite upgrades, welcome amenities at check-in, late checkout, and free Wi-Fi.
- go free® Faster: Use 10% less Wyndham Rewards points when you redeem for go free® awards.
- Cardmember booking discounts: Take advantage of exclusive cardmember discounts for stays at participating Hotels by Wyndham. For more information, visit www.WyndhamRewards.com/terms/cardmemberrate.
- Cellphone protection: This is supplemental coverage for damage to or theft of your cellphone. To be eligible, you must charge your monthly cellphone bill to this card. Note that restrictions, limitations, and exclusions will apply.
This card is an excellent option if you stay primarily at Wyndham Hotels when you travel because you can earn premium rewards on purchases at Hotels by Wyndham. On top of that, you’ll receive 8x points on gas purchases, and the card comes with a low annual fee of $95. You can also take advantage of the 0% APR period for the first six billing cycles on all Qualifying Wyndham Timeshare Purchases.
- 8x points per dollar on eligible purchases made at Hotels by Wyndham and qualifying gas stations
- 5x points per dollar on eligible marketing, advertising, and utility purchases
- 1x points per dollar on all other purchases
- Up to 13 free nights when you earn 100,000 bonus points
- 15,000 bonus points each anniversary year
- $0 foreign transaction fee
- Automatic Wyndham Rewards DIAMOND member level lets you enjoy various perks like suite upgrades, welcome amenities at check-in, and more
- go free® Faster lets you redeem 10% fewer Wyndham Rewards points
- Low annual fee of $95
How We Selected the Best Fuel Cards for Small Businesses
To choose the best co-branded fuel cards for small businesses, we considered each card’s fees, repayment terms, network availability, rebate programs, and reporting tools. For business fuel credit cards not associated with specific gas station partners, we looked primarily at gas discounts or rebates, ease of use, additional rewards, fees, and other features.
When deciding which type of fuel card is best for your small business, you have to consider your business’s unique needs and whether you have another business card for nongas expenses. Here are a few factors that you need to take into account:
- Card usage: If you plan to use your card for all business expenses, then choosing a general-purpose card with gas rewards is your best bet. If you want a dedicated fuel card for use at a specific gas station, you may want to consider getting an exclusive co-branded gas card.
- Rewards: The business cards on this list offer rewards on gas purchases, while others also offer rewards on other business-related expenses. Consider the type of rewards you prefer to earn when choosing the right fuel card for your business.
- Reporting tools: The fleet cards included on this list offer tax-exempt reporting that can help you with tax filing. Other cards offer basic expense tracking and reporting for your business expenses. Determine which kind of reporting tool you prefer when deciding which business fuel card is best for you.
Frequently Asked Questions (FAQs)
Business owners who spend on gas should get a business fuel credit card to take advantage of lucrative rewards and seamless reporting systems. Most cards let you add employee cards at no additional cost. If you have field employees who need to purchase gas frequently, providing them with business fuel cards eliminates the need for petty cash and manual reimbursements. Plus, your company gets to earn the rewards.
Fleet fuel cards are designed for businesses of all sizes with significant spending on gas. Ideally, fleet cards are best for companies that purchase 500 gallons or more of fuel per month. The more fuel you purchase, the higher the discounts or rebates you will receive. If your business only needs to purchase less amount of fuel in a month, regular business credit cards with premium rewards on fuel expenses may be a better option.
Yes as most card issuers report your transactions to major credit bureaus, helping you build your credit with consistent on-time payments and responsible use. However, some don’t report to credit bureaus, especially those of prepaid cards. Check with your chosen card company to find out whether it reports to credit bureaus or not.
Bottom Line
You don’t need to own a large fleet to be eligible for a business fuel card. A fleet can be a single vehicle used by a sole proprietorship or LLC or thousands of vehicles owned by a large company. Consider any of our recommended cards above to maximize your savings through exclusive discounts or rewards on purchases.
