11 Best Fuel Cards for Small Businesses for 2023

On US Bank's Secure Website

Intro APR

Regular APR

18.49% - 27.49% (Variable)

Annual Fee

Credit Needed

Excellent/Good

Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
Introducing the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® the card that gives back on all your eligible business needs.
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
0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 18.49% - 27.49%.
No annual fee.
Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
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 and balance transfers
Unlimited cash back rewards
No 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.

Intro APR

Regular APR

18.49% - 27.49% (Variable)

Annual Fee

Credit Needed

Excellent/Good

Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
Introducing the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® the card that gives back on all your eligible business needs.
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
0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 18.49% - 27.49%.
No annual fee.
Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
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 and balance transfers
Unlimited cash back rewards
No 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: The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® is our best overall business fuel card because it offers 3% cash back at any gas station. You’ll also earn 3% cash back on dining, office supplies, and mobile phone services and 1% cash back on all other purchases. Your rewards are unlimited, making it one of the best cash back business credit cards.

Another factor that makes it the best overall fuel card is that it offers 0% APR for the first 15 billing cycles on purchases and balance transfers—the longest interest-free period among all the cards on this list. Plus, it has no annual fee, and you can earn an introductory bonus of $500 cash back if you spend $4,500 within the first 150 days of card ownership.

Chase Ink Business Cash®: Best for Startups & Sole Proprietorships

Ink Business Cash® Credit Card

BEST FOR:

Office-based businesses that want top cash back rewards

On Chase's Secure Website

Intro APR

0% Intro APR on Purchases

Regular APR

17.74% - 23.74% Variable

Annual Fee

Credit Needed

Good - Excellent

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
0% introductory APR for 12 months on purchases
Member FDIC

Pros

Top rewards for office supply spending
Introductory APR on purchases
Cash sign-up bonus

Cons

0% APR doesn’t apply to balance transfers
High balance transfer fee of 5%
Designed mainly for office-oriented companies

Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the United States and abroad.
Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year.
Extended warranty protection: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of three years or less.

Intro APR

0% Intro APR on Purchases

Regular APR

17.74% - 23.74% Variable

Annual Fee

Credit Needed

Good - Excellent

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
0% introductory APR for 12 months on purchases
Member FDIC

Pros

Top rewards for office supply spending
Introductory APR on purchases
Cash sign-up bonus

Cons

0% APR doesn’t apply to balance transfers
High balance transfer fee of 5%
Designed mainly for office-oriented companies

Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the United States and abroad.
Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year.
Extended warranty protection: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of three years or less.

Why we like it: The Chase Ink Business Cash® card gives you 2% cash back on the first $25,000 spent at gas stations and restaurants each account anniversary. You’ll also earn 5% on the first $25,000 spent on office supplies, internet, cable, and phone services, and 1% on all other business purchases. If you don’t need reporting features or employee purchase controls that come with fuel cards, this is a good choice.

You can also take advantage of the 0% introductory APR on purchases for the first 12 months of card ownership. As a new cardholder, you can earn a $750 bonus cash back after you spend $6,000 within the first three months. Redeem rewards for travel, cash back, gift cards, and merchandise. It’s also our top-recommended business card for startups because of its substantial rewards with no annual fee.

Costco Anywhere Visa® Business Card by Citi: Best for 4% Cash Back Rewards at Eligible Gas Stations

Costco Anywhere Visa® Business Card by Citi

BEST FOR:

Existing or new Costco members

See Full Editorial Review Here

On Citi's Secure Website

Intro APR

N/A

Regular APR

19.74% 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 cashback 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 due to 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 that work around the clock to help you with your travel, shopping, dining, entertainment, and everyday needs.

See Full Editorial Review Here

Intro APR

N/A

Regular APR

19.74% 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 cashback 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 due to 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 that work around the clock to help you with your travel, shopping, dining, entertainment, and everyday needs.

Why we like it: If you’re a Costco member who’s already getting a deal by filling up at Costco gas stations, you could get an even better deal when you pay with the Costco Anywhere Visa® Business Card by Citi. You’ll earn 4% cash back for the first $7,000 each calendar year on gas purchases at eligible gas stations, including Costco, then 1% after that. You also get 3% cash back on restaurants and eligible travel purchases, 2% on non-fuel purchases from Costco and Costco.com, and 1% cash back on all other purchases.

Even if this is a co-branded card, you can use this for other business-related purchases anywhere Visa® is accepted. There’s no annual fee outside of your Costco membership, and there’s no foreign transaction fee on international purchases. Your rewards will be given as an annual credit card reward certificate for redemption only at a Costco warehouse, not online. Rewards can be redeemed for either cash or Costco merchandise.

GM Business Card^TM: Best for 5% on GM Dealership Parts and Services & 3% on Gas and Restaurant Purchases

GM Business Card™

BEST FOR:

Those who regularly do business with GM

on GM Business Card™'s secure website.

Intro APR

0% APR

Regular APR

18.24% to 28.24% variable

Annual Fee

None

Credit Needed

Good/Excellent

5% back on purchases on every dollar spent on dealership parts and services at an authorized Chevrolet, Buick, GMC, or Cadillac new vehicle dealer.
Earn 5% after purchasing a new Chevrolet, Buick, GMC or Cadillac.
Earn 3% in earnings on purchases at gas stations, restaurants and office supply stores, and 1% on purchases everywhere else.

Pros

Sign-up bonus
Introductory 0% APR
No additional fees

Cons

Doesn’t allow balance transfers
Limited rewards redemption option

No-cost employee cards with unique spending limits
Strengthens controls and provides simple online tracking at marcus.com
Employee card purchases increase your earnings
Combined business expenses simplify tracking
Earnings don’t expire on active accounts in good standing
Business-focused benefits with World Elite MasterCard for Business Benefits

See Rates
& Fees

Intro APR

0% APR

Regular APR

18.24% to 28.24% variable

Annual Fee

None

Credit Needed

Good/Excellent

5% back on purchases on every dollar spent on dealership parts and services at an authorized Chevrolet, Buick, GMC, or Cadillac new vehicle dealer.
Earn 5% after purchasing a new Chevrolet, Buick, GMC or Cadillac.
Earn 3% in earnings on purchases at gas stations, restaurants and office supply stores, and 1% on purchases everywhere else.

Pros

Sign-up bonus
Introductory 0% APR
No additional fees

Cons

Doesn’t allow balance transfers
Limited rewards redemption option

No-cost employee cards with unique spending limits
Strengthens controls and provides simple online tracking at marcus.com
Employee card purchases increase your earnings
Combined business expenses simplify tracking
Earnings don’t expire on active accounts in good standing
Business-focused benefits with World Elite MasterCard for Business Benefits

See Rates & Fees

Why we like it: If you drive a Chevrolet, GMC, Cadillac, or Buick, you can earn 5% cash back on parts and service from your local GM dealership with the GM Business Card^TMfrom Marcus by Goldman Sachs. You can also earn 3% cash back on gas, restaurants, and office supply stores and 1% on all other purchases. Spend $5,000 in your first five months of card ownership and receive a $750 bonus.

Plus, enjoy an interest-free period on purchases for the first 12 months after opening an account. It helps you reduce your overall credit cost because it comes with no annual fee, balance transfer fee, and cash advance fee. You can set unique spending limits on employee cards and take advantage of simple online tracking of your transactions.

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 not be able to use them for purchases at other stores.

Shell Small Business Card: Best Fuel Business Card With No Personal Guarantee

Shell Small Business Card

BEST FOR:

Larger businesses

on Shell Small Business Card's secure website.

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: Small businesses that earn at least $1 million in annual revenue can qualify for the Shell Small Business Card. You can earn rebates of up to 5 cents per gallon at Shell Stations and get discounts at participating Jiffy Lube stations for oil changes and preventative maintenance. Since it’s one of our leading business cards with no personal guarantee, it’s best for business owners seeking a dedicated fuel card but don’t want to be personally liable for their business’s obligations.

It’s important to note that it 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. It has no setup, monthly, and annual fees, and you can carry a balance each month with interest. It offers access to detailed reports online, including purchase controls and data analytics, and 24/7 customer service.

76® Universal Card: Best Charge Card for Use at Major Gas Stations

76® Universal Fuel Card

BEST FOR:

Earning up to 7 cents per gallon

on 76® Universal Fuel Card's secure website.

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: The best thing about the 76® Universal Card is, while it’s a gas station-specific card, it’s accepted at 95% of US gas stations and over 45,000 service locations nationwide. You can save up to 7 cents per gallon if you fill up at 76®, Conoco®, and Phillips 66® locations. Note that it’s a charge card and not a credit card, so you must pay your balance in full each month.

One of its best features is its ability to generate automatic fuel accounting and reports. This lets you view all transactions made with your card, so you can manage vehicle-related costs and plan budgets. Qualified businesses will also have access to tax exemption reports, which include exemptions that can be applied to your account. Further, customer service is available 24/7 as is roadside assistance for cardholders.

Chevron Texaco Business Access Card: Best for Fuel Rebates at Chevron & Texaco stations

Chevron Texaco Business Access Fuel Card

BEST FOR:

Long-distance driving

on Chevron Texaco Business Access Fuel Card's secure website.

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 2,000 monthly gallons: 1-cent rebate per gallon
2,001 to 4,000 monthly gallons: 2-cent rebate per gallon
4,001 to 6,000 monthly gallons: 3-cent rebate per gallon
6,001 to 8,000 monthly gallons: 4-cent rebate per gallon
8,001 to 10,000 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 2,000 monthly gallons: 1-cent rebate per gallon
2,001 to 4,000 monthly gallons: 2-cent rebate per gallon
4,001 to 6,000 monthly gallons: 3-cent rebate per gallon
6,001 to 8,000 monthly gallons: 4-cent rebate per gallon
8,001 to 10,000 monthly gallons: 5-cent rebate per gallon
10,000 or more monthly gallons: 6-cent rebate per gallon

Why we like it: You can save up to 6 cents per gallon starting at five gallons when you gas up at nearly 8,000 Chevron and Texaco stations with the Chevron Texaco Business Access Card. Unlike the Shell Small Business Card that’s only accepted at Shell stations and select Jiffy Lube locations, this card isn’t exclusive for use at Chevron and Texaco gas stations—it’s accepted at most major fuel stations across the United States.

Similar to the 76® Universal Card, it’s a charge card and not a credit card, so there’s no ongoing APR because your full balance is due every month. With online account management, you can set spending limits for employees and view reports on purchase activity and financial summaries.

Small Business Fleet Cards

Small business fleet cards are business credit cards and charge cards designed for business owners who own more than two business vehicles. These cards offer rewards on fuel expenses and automatic reporting and online management tools that let you manage your users efficiently.

WEX FlexCard: Best Fleet Card With No Setup & Annual Fees

WEX FlexCard

BEST FOR:

Those who don't want setup & annual fees

on WEX FlexCard's secure website.

Intro APR

N/A

Regular APR

Prime + 12.74%

Annual Fee

None

Credit Needed

Poor, Good

3 cents off per gallon

Pros

No annual or setup fee
Accepted at 95% of US fuel stations and 45,000 service locations

Cons

Low rebates
Cannot be used for other business purchases

Tax-exempt reporting
Set card controls and purchase restrictions
Roadside services

Intro APR

N/A

Regular APR

Prime + 12.74%

Annual Fee

None

Credit Needed

Poor, Good

3 cents off per gallon

Pros

No annual or setup fee
Accepted at 95% of US fuel stations and 45,000 service locations

Cons

Low rebates
Cannot be used for other business purchases

Tax-exempt reporting
Set card controls and purchase restrictions
Roadside services

Why we like it: The WEX FlexCard offers 3 cents per gallon rebates. It’s accepted at 95% of fuel stations and around 45,000 service locations in the US, and the WEX mobile app can help you find the cheapest nearby fuel station. There’s no annual or setup fee, and you have the flexibility to carry a monthly balance.

The WEX FlexCard also offers reporting services, such as purchase activity reports and tax exemption reports. Report data can be exported into major bookkeeping and accounting software and can also be downloaded as PDF files. Cardholders can also take advantage of WEX’s roadside services, including towing, winching, tire change, fluid delivery, jump starts, and lockout services.

BP Business Solutions Fuel Plus: Best for Small and Midsized Fleets That Get Fuel at BP & Amoco Stations

BP Business Solutions Fuel Plus

BEST FOR:

Small to Midsized Fleets That Fuel Up at BP & Amoco Stations

on BP Business Solutions Fuel Plus's secure website.

Intro APR

N/A

Regular APR

WSJ Prime Rate + 14.99% to 23.99%

Annual Fee

None. Monthly membership fee is $10, 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 $10, 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: If you own small to mid-sized fleets and you exclusively fuel up at BP and Amoco, the BP Business Solutions Fuel Plus 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. It offers revolving and non-revolving balance options. If you choose to carry a balance, an ongoing APR of WSJ prime rate plus 14.99% to 23.99% will be applied.

You can take control of your business expenses by setting fuel-only limits on employee cards. Plus, take advantage of transaction and tax-exempt reporting to make tax season easier. Keep in mind that this card is exclusive for use at BP and Amoco branded locations in the U.S. only. You cannot use this card to gas up at other gas stations or make other purchases.

ARCO® Business Solutions Mastercard®: Best Fleet Card for Use at ARCO Gas Stations

Arco® Business Solutions Mastercard®

BEST FOR:

Those who fuel up at ARCO Gas Stations

on Arco® Business Solutions Mastercard®'s secure website.

Intro APR

N/A

Regular APR

N/A (this is a charge card)

Annual Fee

None. Monthly membership fee is $10, waived for each month you purchase over 5,000 gallons of fuel

Credit Needed

Poor, Good

Enjoy Top Tier™ gas for less® plus an additional 1 cent per gallon in rebates at all ARCO fueling locations in the US.
4 cents per gallon in rebates at all other fueling locations in the US that accept Mastercard™.

Pros

Premium rebates on gas purchases
Can be used anywhere Mastercard is accepted
Accounts with poor credit can apply

Cons

Balance is due in full every billing cycle
High monthly fee
No rewards on other purchases

Tax-exempt reporting
Set card controls and purchase restrictions
Online account manager

Intro APR

N/A

Regular APR

N/A (this is a charge card)

Annual Fee

None. Monthly membership fee is $10, waived for each month you purchase over 5,000 gallons of fuel

Credit Needed

Poor, Good

Enjoy Top Tier™ gas for less® plus an additional 1 cent per gallon in rebates at all ARCO fueling locations in the US.
4 cents per gallon in rebates at all other fueling locations in the US that accept Mastercard™.

Pros

Premium rebates on gas purchases
Can be used anywhere Mastercard is accepted
Accounts with poor credit can apply

Cons

Balance is due in full every billing cycle
High monthly fee
No rewards on other purchases

Tax-exempt reporting
Set card controls and purchase restrictions
Online account manager

Why we like it: The ARCO® Business Solutions Mastercard® is an excellent choice if you need to fuel up over 5,000 gallons per month—you can save on the monthly membership fee of $10. You’ll enjoy TOP TIER™ gas for less® when you use the card at ARCO fueling locations in the U.S. Moreover, since it’s a Mastercard, you can use it to make purchases from other gas stations.

ARCO’s tax-exemption reporting service calculates applicable taxes for fuel for a processing fee of 1% of the invoice amount. Another wonderful thing about this card is that even business owners who are deemed high-risk (with a credit score below 670) may still qualify. However, as a high-risk cardholder, you may be charged up to 2% of the account’s spend limit per billing cycle. Note that this is a charge card, not a credit card, so your balance is due in full each billing cycle.

Coast Visa Card: Best Fleet Charge Card With 2 Cents Off Per Gallon & Unlimited 1% Cash Back on Nonfuel Purchases

Coast Visa Card