Editor’s note: This is a recurring post with regularly updated card details.
When choosing the best fuel cards for small businesses, consider the number of fueling sites where you can use the card, rewards, and redemption methods. The best ones let you save money through discounts or rebates at gas stations or via points or cash back rewards on gas purchases. 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:
General Purpose Cards With Premium Gas Rewards
- U.S. Bank Triple Cash Rewards World EliteTM Mastercard: Best overall fuel card for small businesses with 0% annual percentage rate (APR) for 12 months
- Coast Visa Card: Best universally accepted fleet charge card with no personal guarantee
- U.S. Bank Business Altitude™ Connect World Elite Mastercard®: Best for travel perks and lucrative welcome offer
- Costco Anywhere Visa® Business Card by Citi: Best for Costco members who want to earn premium rewards at eligible gas stations
- Wyndham Rewards Earner Business Card: Best for frequent travelers who stay at Wyndham hotels
- Bank of America® Business Advantage Customized Cash Rewards Credit Card: Best for earning 3% cash back on the category of your choice
- GM Business CardTM: Best for 5% cash back on GM dealership parts and services and 3% on gas and restaurant purchases
Gas Station-specific Fuel Cards
- 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
- Chevron Texaco Business Access Card: Best for fuel rebates at Chevron and Texaco gas stations
- BP Business Solutions Fuel Plus: Best for small and midsized fleets that fuel up at BP and Amoco stations
Are you looking for a fuel card designed for commercial fleets? Coast can be used everywhere that Visa is accepted and the only 5-star rated fleet card for controls, ease-of-use, and United States-based customer service on Capterra. |
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Best Fuel Cards for Small Business At a Glance
General Purpose Cards With Gas Rewards
General purpose credit cards with gas rewards are regular business credit cards that offer premium rewards on gas expenses and can be used for any business-related purchase. We’ve included general-purpose business credit cards with no annual fee and low starting APR.
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 with long 0% APR period
- 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, office supply stores, cell phone service providers and restaurants.
- 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.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
Pros
- 0% APR applies to both purchases
- Unlimited cash back rewards
- $0 annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- 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.
- 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, office supply stores, cell phone service providers and restaurants.
- 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.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
Pros
- 0% APR applies to both purchases
- Unlimited cash back rewards
- $0 annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- 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.
Why we like it: It is our best overall business fuel card because it offers 0% APR for the first 12 billing cycles on purchase transactions. This is the longest interest-free period among all the cards on this list. The card is ideal for business owners who need to make a large purchase on top of wanting to earn premium rewards on gas expenses.
Consider the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® if you:
- Need to make a large purchase
- Pay for recurring software subscriptions
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 one of our top business cards with 0% APR offers.
Coast Visa Card: Best Universally Accepted Fleet Charge Card With No Personal Guarantee
Coast Fuel Card
BEST FOR:
Businesses with small to large fleets
- Up to 6 cents off per gallon at 5,000 gas stations and 2 cents off per gallon everywhere else
- 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
- Up to 6 cents off per gallon at 5,000 gas stations and 2 cents off per gallon everywhere else
- 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: It is a universally accepted fleet card that allows you to monitor your expenses and control your spending. It is designed for businesses that operate fleets and does not require a personal guarantee, so it’s ideal for business owners who don’t want their business transactions to affect their personal credit. However, Coast reports monthly to the Small Business Financial Exchange (SBFE®), helping you build business credit.
Consider the Coast Visa Card if you:
- Want a dedicated fuel card that also rewards your other purchases
- Operate small to large fleets
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. Also, while it doesn’t have an annual fee, you need to pay $4 for every active card, per month. It is also one of the top-recommended business credit cards for limited liability companies (LLCs).
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®
Pros
Cons
Pros
Cons
Why we like it: The card offers premium travel perks, making it a great choice for those who need to 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.
Consider the U.S. Bank Business Altitude™ Connect World Elite Mastercard® if you:
- Want to access airport lounges when you travel
- Need a separate personal credit card and are considering either the U.S. Bank Altitude® Go or Altitude® Connect
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.
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
- 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.
- 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: This card lets Costco members earn up to 4% cash back on fuel expenses and on 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.
Consider the Costco Anywhere Visa® Business Card by Citi if you:
- Have an active Costco membership—it is exclusive for Costco members only
- Shop at Costco and Costco.com frequently
This card is also great if you don’t want your business transactions to affect your personal credit score, as it is one of our best business cards that don’t report to personal credit bureaus.
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
- 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 sign-up bonus
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.
- 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 sign-up bonus
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: It lets you earn 8x points on purchases at Hotels by Wyndham and gas, making it an excellent option if you primarily stay at Wyndham Hotels when you travel. On top of that, it comes with a low annual fee of $95 and 0% APR for the first six billing cycles on all Qualifying Wyndham Timeshare Purchases.
Consider the Wyndham Rewards Earner Business Card if you:
- Travel for business frequently
- Prefer to stay at Wyndham hotels when you travel
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
9 billing cycles
- 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.
9 billing cycles
- 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.
Why we like it: The card lets you take control of which spending category you earn premium cash back on. You can choose the spending category where you can earn 3% cash back, including gas—however, there’s a maximum cap limit per year.
Consider the Bank of America® Business Advantage Customized Cash Rewards Credit Card if:
- You have an existing Bank of America business checking account for a chance to earn up to 75% more rewards
- Your business spends on varied expenses each month
This card is also one of our best small business credit cards and top business cards for LLC 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.
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
- 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
- Doesn’t offer 0% introductory APR on balance transfers
- Limited rewards redemption option
- 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.
- 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
- Doesn’t offer 0% introductory APR on balance transfers
- Limited rewards redemption option
- 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: It offers premium rewards for parts and services from your local GM dealership. You can take advantage of interest-free financing on purchases for the first 12 months after opening an account.
Consider the GM Business CardTM if you:
- Drive a Chevrolet, GMC, Cadillac, or Buick
- Do business with GM frequently
With this card, there’s no limit to the rewards you can earn, and there’s no expiry as long as your account stays open and in good standing. You can redeem your rewards toward an eligible, new vehicle, like Chevrolet, Buick, GMC, or Cadillac, at a participating GM dealership.
Gas Station-specific Fuel Cards
Gas station-specific fuel cards include charge cards and credit cards that can be used in specific service locations and gas stations. Usually, these cards are neither Visa nor Mastercard, so you may be unable to use them for purchases at other stores.
Shell Small Business Card: Best Fuel Business Card With No Personal Guarantee
- 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
- 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: This card offers rebates when you fuel up at Shell gas station. It also offers exclusive discounts for services at Jiffy Lube stations. Since it is one of our leading business cards with no personal guarantee, it is best for business owners seeking a dedicated fuel card but not wanting to be personally liable for their business’s obligations.
Consider the Shell Small Business Card if:
- Your business earns at least $1 million in annual revenue
- You prefer to gas up at Shell gas stations and do business with Jiffy Lube stations
It’s important to note that the Shell Small Business 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
- 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
- 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: The best thing about this card is 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 on your fuel expenses through rebates—the rebate rate varies depending on the amount of fuel you purchase in a month.
Consider the Phillips 66® Conoco® 76® Business Universal Card if you:
- Prefer to fuel up at Phillips 66®, Conoco®, and 76® gas stations
- Need over 10,000 gallons per month (to maximize its rebates)
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.
Chevron Texaco Business Access Card: Best for Fuel Rebates at Chevron & Texaco stations
- 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
- 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: Unlike the Shell Small Business Card that’s only accepted at Shell stations and select Jiffy Lube locations, this card is not exclusive for use at Chevron and Texaco gas stations—it is accepted at most major fuel stations across the United States. You’ll receive 15 cents per gallon rebates for the first six months. After that, you can save up to 6 cents per gallon when you gas up at nearly 8,000 Chevron and Texaco stations.
Consider the Chevron Texaco Business Access Card if you:
- Need over 10,000 gallons per month to maximize rebates
- Gas up at Chevron and Texaco gas stations frequently (to earn rebates)
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, similar to the 76® Universal Card, it is a charge card and not a credit card, so there’s no ongoing APR because your full balance is due every month.
BP Business Solutions Fuel Plus: Best for Small and Midsized 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
- 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
- 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: If you own small to midsized fleets and you exclusively fuel up at BP and Amoco, this card is your best option. You can save up to 7 cents with volume-based rebates on gas purchases made at BP and Amoco locations.
Consider the BP Business Solutions Fuel Plus if you:
- Need over 10,000 gallons of gas per month (to maximize rebates)
- Prefer to fuel up at BP and Amoco gas stations
Keep in mind that this card is exclusive for use at BP- and Amoco-branded locations in the US. only. 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.
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, any rebate programs, and reporting tools. For nonbranded business fuel credit cards, 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. If you prefer not to use a card associated with a specific gas company or haven’t found one in this guide, consider one of the best small business credit cards with strong rewards on gas purchases.