10 Best Fuel Cards for Small Businesses in 2022
Tricia has nearly two decades of experience in commercial and federal government lending. Her expertise is highlighted throughout small business loan content on Fit Small Business.
Benilyn has over a decade of experience as a banking officer. Her expertise is featured throughout Fit Small Business in personal finance, credit card, and real estate investing content.
This article is part of a larger series on Best Small Business Credit Cards.
Editor’s note: This is a recurring post with regularly updated card detail
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 best fuel cards for small businesses are:
- U.S. Bank Triple Cash Rewards World EliteTM Mastercard: Best overall fuel card for small businesses
- Chase Ink Business Cash®: Best for sole proprietorships and startups
- Costco Anywhere Visa® Business Card by Citi: Best for 4% cash back rewards at Costco gas stations
- GM Business CardTM: Best for 5% on GM dealership parts and services and 3% on gas and restaurant purchases
- 76® Universal Card: Best charge card for use at major gas stations
- Shell Small Business Card: Best fuel business card with no personal guarantee
- Chevron Texaco Business Access Card: Best for fuel rebates at Chevron and Texaco gas stations
- Arco® Business Solutions Mastercard®: Best fleet card for use at ARCO gas stations
- BP Business Solutions Fuel Plus: Best for small and mid-sized fleets that fuel up at BP and Amoco stations
- WEX FlexCard: Best fleet card with no setup and annual fees
To see how these 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.
General Purpose Cards With Gas Rewards
General purpose credit cards with gas rewards are 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 annual percentage rate (APR).
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Best Overall Fuel Card for Small Businesses
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
0% APR for 15 billing cycles
Intro APR
0% for first 15 billing cycles
Regular APR
15.49% to 24.49% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good
- Limited Time Offer: Earn $500 in cash back. Just spend $4,500 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, cellphone 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 Travel 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 purchase and balance transfers for 15 billing cycles. After that, a variable APR currently 15.49% to 24.49%.
- No annual fee
- Pay over time by splitting eligible purchases of $100-plus into equal monthly payments with U.S. Bank ExtendPay™Plan.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- 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 1 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
0% for first 15 billing cycles
Regular APR
15.49% to 24.49% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good
- Limited Time Offer: Earn $500 in cash back. Just spend $4,500 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, cellphone 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 Travel 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 purchase and balance transfers for 15 billing cycles. After that, a variable APR currently 15.49% to 24.49%.
- No annual fee
- Pay over time by splitting eligible purchases of $100-plus into equal monthly payments with U.S. Bank ExtendPay™Plan.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- 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 1 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. There’s no limit to the number of rewards you can earn, making it one of the best cash back business credit cards.
It has no annual fee and a low starting APR of 14.74%. Another factor that makes this card 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. It also offers an introductory bonus of $500 cash back if you spend $4,500 within the first 150 days of opening your account.
Chase Ink Business Cash®: Best for Startups & Sole Proprietorships
Ink Business Cash® Credit Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Office-based businesses that want top cash back rewards
Intro APR
0% Intro APR on Purchases
Regular APR
13.99% - 19.99% Variable
Annual Fee
$0
Credit Needed
- Earn $750 bonus cash back after you spend $7,500 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
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- 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
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 3 years or less.
Intro APR
0% Intro APR on Purchases
Regular APR
13.99% - 19.99% Variable
Annual Fee
$0
Credit Needed
Good, Excellent
- Earn $750 bonus cash back after you spend $7,500 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
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- 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
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 3 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 $7,500 within the first three months. Redeem rewards 1) for travel, cash back, and gift cards; and 2) at the Apple Ultimate Rewards® store. This card is also one of our top recommended business cards 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 Costco Gas Stations
Costco Anywhere Visa® Business Card by Citi
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Existing or new Costco members
Intro APR
N/A
Regular APR
15.99% Variable
Annual Fee
0
Credit Needed
Good - 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
- No annual fee
- Generous cashback categories
- No foreign transaction fees
Cons
- Inflexible cashback redemption system
- Benefits are only applicable to Costco members
- No sign-up bonus
- Car rental insurance: Offers primary coverage, which means you won’t need to use your personal auto insurance or accept insurance offered by the rental agency. Coverage is limited to $50,000.
- Purchase protection: The issuer may repair or reimburse for items purchased with your business Costco card ― or your reward certificate ― that are damaged or stolen within 120 days of purchase or 90 days for New York residents.
Intro APR
N/A
Regular APR
15.99% Variable
Annual Fee
0
Credit Needed
Good - 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
- No annual fee
- Generous cashback categories
- No foreign transaction fees
Cons
- Inflexible cashback redemption system
- Benefits are only applicable to Costco members
- No sign-up bonus
- Car rental insurance: Offers primary coverage, which means you won’t need to use your personal auto insurance or accept insurance offered by the rental agency. Coverage is limited to $50,000.
- Purchase protection: The issuer may repair or reimburse for items purchased with your business Costco card ― or your reward certificate ― that are damaged or stolen within 120 days of purchase or 90 days for New York residents.
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 nonfuel purchases from Costco and Costco.com, and 1% cash back on all other purchases.
Even if this is a cobranded card, you can use this for other business-related purchases anywhere Visa® is accepted. There is 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 CardTM: Best for 5% on GM Dealership Parts and Service & 3% on Gas and Restaurant Purchases
GM Business Card™
Intro APR
0% for 12 months*
Regular APR
14.24%-24.24% variable purchase based on creditworthiness. Rates as of 4/1/2022*
Annual Fee
$0*
Credit Needed
Good/Excellent
- Get the business card that turns purchases into Earnings. Redeem Earnings towards a new GM vehicle, with no annual fee.*
- Get $500 in Earnings with GM toward the purchase or lease of eligible, new GM vehicles after you spend $4,000 on purchases in your first three months from account opening.*
- 0% Intro APR on purchases for the first 12 months, variable of 14.24% to 24.24% APR after.*
- 5% in earnings on GM dealership parts, accessories, or service purchases.*
- 3% in Earnings on purchases at gas stations, restaurants and office supply stores, and 1% on purchases everywhere else.*
- No annual fee, no foreign transaction fees or cash advance fees. Late fees may apply.*
- See if you're approved with no impact to your Credit Score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score.
- *Terms & limitations apply. Select “Apply Now” to learn more about the product features, terms, conditions and Program Rules. Subject to credit approval.
Pros
- Sign-up bonus
- Introductory 0% APR
- No annual fee and transaction fees
Cons
- Does not alllow 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
Intro APR
0% for 12 months*
Regular APR
14.24%-24.24% variable purchase based on creditworthiness. Rates as of 4/1/2022*
Annual Fee
$0*
Credit Needed
Good/Excellent
- Get the business card that turns purchases into Earnings. Redeem Earnings towards a new GM vehicle, with no annual fee.*
- Get $500 in Earnings with GM toward the purchase or lease of eligible, new GM vehicles after you spend $4,000 on purchases in your first three months from account opening.*
- 0% Intro APR on purchases for the first 12 months, variable of 14.24% to 24.24% APR after.*
- 5% in earnings on GM dealership parts, accessories, or service purchases.*
- 3% in Earnings on purchases at gas stations, restaurants and office supply stores, and 1% on purchases everywhere else.*
- No annual fee, no foreign transaction fees or cash advance fees. Late fees may apply.*
- See if you're approved with no impact to your Credit Score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score.
- *Terms & limitations apply. Select “Apply Now” to learn more about the product features, terms, conditions and Program Rules. Subject to credit approval.
Pros
- Sign-up bonus
- Introductory 0% APR
- No annual fee and transaction fees
Cons
- Does not alllow 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
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 CardTM from 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 $4,000 in your first three months of card ownership and receive $500 to redeem at GM toward the purchase or lease of an eligible new GM vehicle.
This card also offers an interest-free period on purchases for the first 12 months and 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.
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
Intro APR
N/A
Regular APR
N/A
Annual Fee
$0, $2 monthly fee and one-time $40 setup fee
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 cents discount per gallon
- 5,000 to 6,999 monthly gallons: 5 cents discount per gallon
- 7,000 to 9,999 monthly gallons: 6 cents discount per gallon
- 10,000 or more monthly gallons: 7 cents discount per gallon
Intro APR
N/A
Regular APR
N/A
Annual Fee
$0, $2 monthly fee and one-time $40 setup fee
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 cents discount per gallon
- 5,000 to 6,999 monthly gallons: 5 cents discount per gallon
- 7,000 to 9,999 monthly gallons: 6 cents discount per gallon
- 10,000 or more monthly gallons: 7 cents discount per gallon
Why we like it: The best thing about the 76® Universal Card is that 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.
Shell Small Business Card: Best Fuel Business Card With No Personal Guarantee
Shell Small Business Card
BEST FOR:
Larger businesses
Intro APR
N/A
Regular APR
23% - 26%
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
23% - 26%
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 6 cents per gallon at Shell Stations and get discounts at participating Jiffy Lube stations for oil changes and preventative maintenance. This is best for business owners who want a dedicated fuel card business card with no personal guarantee.
It’s important to note that it isn’t affiliated with either Visa or Mastercard and can only be used at more than 14,000 Shell stations and participating Jiffy Lube locations across the country. It has no setup, monthly, or 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 to 24/7 customer service.
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
0, but $2 monthly fee and one-time $40 setup fee
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 cents rebate per gallon
- 4,001 to 6,000 monthly gallons: 3 cents rebate per gallon
- 6,001 to 8,000 monthly gallons: 4 cents rebate per gallon
- 8,001 to 10,000 monthly gallons: 5 cents rebate per gallon
- 10,000 or more monthly gallons: 6 cents rebate per gallon
Intro APR
None
Regular APR
N/A
Annual Fee
0, but $2 monthly fee and one-time $40 setup fee
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 cents rebate per gallon
- 4,001 to 6,000 monthly gallons: 3 cents rebate per gallon
- 6,001 to 8,000 monthly gallons: 4 cents rebate per gallon
- 8,001 to 10,000 monthly gallons: 5 cents rebate per gallon
- 10,000 or more monthly gallons: 6 cents 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—it’s accepted at most major fuel stations across the US.
Similar to the 76® Universal Card, this is a charge card and not a credit card, so there’s no ongoing APR because your balance is due every month. While there’s no annual fee, you’ll be charged a $2 monthly fee and a one-time $40 setup fee. 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.
ARCO® Business Solutions Mastercard®: Best Fleet Card for Use at ARCO Gas Stations
Arco® Business Solutions Mastercard®
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 for over 5,000 gallons per month so you can save on the monthly membership fee of $10. You’ll enjoy Top Tier™ gas for less®, plus additional rebates of 1 cent per gallon at all ARCO fueling locations in the US. Since this card is a Mastercard®, you can use it to make purchases from other gas stations. You’ll earn 4 cents per gallon in rebates at all other gas locations in the US that accept Mastercard.
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 card is a charge card, not a credit card, so your balance is due in full each billing cycle.
BP Business Solutions Fuel Plus: Best for Small to Midsized Fleets That Fuel Up at BP & Amoco Stations
BP Business Solutions Fuel Plus
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 U.S.
- Tax exempt reporting
- Revolving and non-revolving 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 U.S.
- Tax exempt reporting
- Revolving and non-revolving 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 6 cents with volume-based rebates on gas purchases made at BP and Amoco locations. This card 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.
This card also allows you to take control of your business expenses by setting fuel-only limits on employee cards. It also offers 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 US only. You cannot use this card to gas up at other gas stations or make other purchases.
WEX FlexCard: Best Fleet Card With No Setup & Annual Fees
WEX FlexCard
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 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.
Cardholders can also take advantage of WEX’s roadside services, including towing, winching, tire change, fluid delivery, jump starts, and lockout services. 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.
How to Find the Best Fuel Card for Small 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 non-gas 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. For businesses with two or more business vehicles, consider any of the fleet cards mentioned above.
- Rewards: The business cards on this list offer rewards on gas purchases, while other 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.
How We Evaluated the Best Fuel Cards for Small Businesses
When evaluating co-branded fuel cards for small business, we considered each card’s fees, repayment terms, network availability, any rebate programs, and reporting tools. For nonbranded business credit cards, we looked primarily at gas discounts or rebates, ease of use, additional rewards, fees, and features.
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 car used by a sole proprietorship or limited liability company (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.
