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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. When choosing the best fuel card for your business, consider the number of fueling sites where you can use the card, rewards for other purchases, and redemption methods. Your options include regular credit cards, charge cards, co-branded gas cards, and fleet cards.
The nine best fuel cards for small businesses are the following:
- Coast Fuel Card: Overall best business fuel card for small to large fleets with customizable controls and fee savings
- U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Best for 0% purchase APR for 12 months and ExtendPay® Plan
- 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
- Wyndham Rewards Earner Business Card: Best for frequent travelers who stay at Wyndham hotels
Overview of the Best Fuel Cards for Small Business
Best For | Annual Fee | Fuel-related Rewards | Nonfuel Ongoing Rewards | Credit Needed | ||
|---|---|---|---|---|---|---|
 Coast Visa Card | Overall best for small to large fleets 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 | |
 U.S. Bank Business Triple Cash Rewards World Elite Mastercard® | 0% purchase APR for 12 months and ExtendPay® Plan | $0 | 3% cash back at any gas and EV charging station | Up to 5% cash back | Good to 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 | None; only $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 | |
 Wyndham Rewards Earner Business Card | Frequent travelers who stay at Wyndham hotels | $95 | 8× points at any qualifying gas station | Up to 8× 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.
Coast Visa Card: Overall Best Business Fuel Card for Small to Large Fleets 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
- Up to 10 cents off on every gallon on your statement
- 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
- Up to 10 cents off on every gallon on your statement
- 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
Why We Like It
Coast is our best overall business fuel card because it is universally accepted in most gas stations, lets you earn rewards on both fuel and nonfuel purchases, and provides customizable controls to streamline your expenses. For a monthly fee of only $4 per active card, you can receive up to 10 cents off per gallon. It is designed for businesses that operate fleets but also plan to use the card on other purchases.
- Up to 10 cents off on every gallon on your statement
- 4 to 10 cents per gallon at every participating Exxon, Mobil, 7-Eleven, Casey’s, Circle-K, and 40 additional brands
- Unlimited 1% cash back on all other nonfuel 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 enables you to monitor your spending and get alerts for any suspicious transactions
- Business credit-building capability because Coast reports your monthly transactions to the Small Business Financial Exchange (SBFE®)
- No personal guarantee is required, which means you won’t be held personally liable for your business’s debts
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Best for 0% Purchase APR for 12 Months & ExtendPay® Plan
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
17.99% - 26.99% 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
17.99% - 26.99% 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
Why We Like It
U.S. Bank Business Triple Cash Rewards World Elite Mastercard® comes with 0% APR on purchases for the first 12 months, making it ideal for businesses needing to make significant purchases with the card. On top of that, it features ExtendPay® Plan, allowing you to divide your eligible balance into equal monthly installments without interest, only a small monthly fee Receive a new cardmember on ExtendPay Plans opened in the first 60 days after account opening . It lets you earn 3% cash back on fuel purchases and offers generous rewards on other purchases.
- 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center
- 3% cash back at any gas and EV station and on dining, office supplies, and mobile phone services
- 1% cash back on all other eligible 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
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
Why We Like It
With Shell Small Business Card, you can earn up to 6 cents per gallon rebates when you fuel up at Shell Stations. It also offers exclusive discounts for services at Jiffy Lube stations. It doesn’t require a 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% discount at participating Jiffy Lube stations for oil changes and preventative maintenance
- $0 setup, monthly, and annual fees
- Accepted at nearly 13,000 Shell Stations and participating Jiffy Lube locations nationwide
- Access to detailed reports online, including purchase controls and data analytics
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
Why We Like It
While it is a gas station-specific card, Phillips 66® Conoco® 76® Business Universal Card 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
- Transaction reports, including purchase activity reports, tax exemption reports, financial and site summaries, and other custom reports
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
Why We Like It
BP Business Solutions Fuel Plus 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. It also features robust controls, allowing you to help prevent misuse by setting up fuel-only limits.
- 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
- 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
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
Why We Like It
One of the best things about the Chevron Texaco Business Access Card is that it is not exclusive for use at Chevron and Texaco gas stations—it is accepted at most major fuel stations across the US. Also, 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)
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
19.74% – 27.74% 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
19.74% – 27.74% 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.
Why We Like It
Costco Anywhere Visa® Business Card by Citi 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. Note that your rewards will be given as an annual credit card reward certificate for redemption only at a Costco warehouse (not online). Also, while it charges $0 annual fees, you need to pay for a Costco membership to qualify.
- 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, and dining experiences
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
18.74% to 28.74% 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
18.74% to 28.74% 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.
Why We Like It
GM Business CardTM 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 in Bonus Earnings after spending $5,000 in the first five months
- $0 annual, balance transfer, and cash advance fees
- Mastercard Easy Savings® enables you to 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
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.
Why We Like It
If you stay primarily at Wyndham Hotels when you travel, you can earn premium rewards on purchases at Hotels by Wyndham with the Wyndham Rewards Earner Business Card. On top of that, you’ll receive 8× 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.
- 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
- 1× points per dollar on all other purchases
- 40,000 bonus points after spending $4,000 on purchases in the first 90 days, and another 40,000 bonus points after spending $15,000 on purchases within the first 12 months
- 15,000 bonus points each anniversary year
- Automatic Wyndham Rewards DIAMOND member level, providing you with benefits like suite upgrades, welcome amenity at check-in, and more
- $0 foreign transaction fee
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 cash back, gas discounts, or rebates, as well as ease of use, additional rewards, fees, and other features that may be valuable to your business.
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.
Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers.
