12 Best Fuel Cards for Small Business for 2023

On US Bank's Secure Website

Intro APR

Regular APR

19.24% - 28.24% (Variable)

Annual Fee

Credit Needed

Excellent/Good

Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 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
0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 19.24% - 28.24%.
No annual fee.
Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
Terms and conditions apply
Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.

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

19.24% - 28.24% (Variable)

Annual Fee

Credit Needed

Excellent/Good

Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 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
0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 19.24% - 28.24%.
No annual fee.
Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
Terms and conditions apply
Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.

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 0% APR for the first 15 billing cycles on both purchase and balance transfer transactions. This is the longest interest-free period among all the cards on this list. It is ideal for business owners who need to make a large purchase or transfer a balance on top of wanting to earn premium rewards on gas expenses.

Rewards:

3% cash back at any gas station
3% cash back on dining, office supplies, and mobile phone services
5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center
1% cash back on all other purchases

Other benefits:

No annual fee
$500 bonus cash back if you spend $4,500 within the first 150 days of card ownership
$100 annual statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks
ExtendPay® Plan feature lets you pay your large purchase in monthly installments without interest—only a small monthly fee

Note that your rewards are unlimited and have no expiration date, which is why this card is one of our best cash back business credit cards. Also, its long 0% APR period on both balance transfers and purchases makes it one of our leading business credit cards for balance transfers and top business cards with 0% APR offers.

U.S. Bank Business Altitude™ Connect World Elite Mastercard®: Best for Travel Perks & Lucrative Sign-up Bonus

U.S. Bank Business Altitude™ Connect World Elite Mastercard®

on U.S. Bank Business Altitude™ Connect World Elite Mastercard®'s secure website.

Intro APR

Regular APR

20.24%-28.24% (Variable)

Annual Fee

$0 Intro annual fee for the first year, $95 per year thereafter

Credit Needed

Good to Excellent

Introducing the U.S. Bank Business Altitude Connect™ World Elite Mastercard®, the business travel card that's 5X more rewarding.
Limited Time Offer: Earn 60,000 bonus points, worth $600 if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
Earn 4X points on travel, gas and EV charging stations on the first $150,000 in combined annual spend.
Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
Earn 1X points on all other eligible spend.
Rewards never expire.
Earn a $25 statement credit on every three consecutive monthly taxi or rideshare trips.
No foreign transaction fees.
$0 intro annual fee for the first year, $95 per year thereafter.
Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,300 VIP lounges worldwide, plus four complimentary visits per membership year.
Divide large purchases into fixed 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

High sign-up bonus
Priority Pass Digital annual membership with access to more than 1,300 VIP lounges worldwide and four complimentary visits per membership year
ExtendPay® Plan feature lets you divide your large purchase into fixed monthly installments without interest—only a small monthly fee

Cons

No 0% annual percentage rate (APR) offers
Premium rewards on travel and fuel have a maximum cap
Charges annual fee

Free employee cards
ExtendPay® Plan
Transfer points between your business and personal Altitude cards
No foreign transaction fee

Intro APR

Regular APR

20.24%-28.24% (Variable)

Annual Fee

$0 Intro annual fee for the first year, $95 per year thereafter

Credit Needed

Good to Excellent

Introducing the U.S. Bank Business Altitude Connect™ World Elite Mastercard®, the business travel card that's 5X more rewarding.
Limited Time Offer: Earn 60,000 bonus points, worth $600 if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
Earn 4X points on travel, gas and EV charging stations on the first $150,000 in combined annual spend.
Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
Earn 1X points on all other eligible spend.
Rewards never expire.
Earn a $25 statement credit on every three consecutive monthly taxi or rideshare trips.
No foreign transaction fees.
$0 intro annual fee for the first year, $95 per year thereafter.
Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,300 VIP lounges worldwide, plus four complimentary visits per membership year.
Divide large purchases into fixed 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

High sign-up bonus
Priority Pass Digital annual membership with access to more than 1,300 VIP lounges worldwide and four complimentary visits per membership year
ExtendPay® Plan feature lets you divide your large purchase into fixed monthly installments without interest—only a small monthly fee

Cons

No 0% annual percentage rate (APR) offers
Premium rewards on travel and fuel have a maximum cap
Charges annual fee

Free employee cards
ExtendPay® Plan
Transfer points between your business and personal Altitude cards
No foreign transaction fee

Why we like it: If your business requires you to travel from time to time, you will benefit from the travel perks offered by U.S. Bank Business Altitude™ Connect World Elite Mastercard®. It comes with Priority Pass^TM Digital annual membership, which lets you access more than 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.

Rewards:

5x points on hotel stays and car rentals booked directly in the Rewards Center
4x points on travel, including airfare, hotels, gas, and EV charging stations on the first $150,000 in combined annual spend
2x points on dining, takeout, restaurant delivery, and cellphone services
1x points on all other purchases and when the cap is met

Other benefits:

Low annual fee of $95, which is waived on the first year
No foreign transaction fee
Free employee cards
ExtendPay® Plan feature lets you pay your large purchase in monthly installments for a small monthly fee and without interest
If you have a personal U.S. Bank Altitude® Go or Altitude® Connect card, you can transfer points between your business and personal U.S. Bank Altitude cards to pool your rewards

You can redeem your points toward merchandise, gift cards, cash back, travel, and more. One point is worth 1 cent when redeemed in the Rewards Center. Note, however, that unlike the U.S. Bank Business Triple Cash Rewards World Elite Mastercard®, this card lacks 0% introductory APR on purchases and balance transfers.

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

18.49% - 24.49% Variable

Annual Fee

Credit Needed

Good - Excellent

Earn $900 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 United States manufacturer’s warranty by an additional year on eligible warranties of three years or less.

Intro APR

0% Intro APR on Purchases

Regular APR

18.49% - 24.49% Variable

Annual Fee

Credit Needed

Good - Excellent

Earn $900 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 United States 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 is a great option for startups and sole proprietorship businesses that don’t need robust reporting features or employee purchase controls that come with fuel cards. You can also take advantage of the 0% introductory APR on purchases for the first 12 months of card ownership.

Rewards:

2% cash back on the first $25,000 spent at gas stations and restaurants each account anniversary
5% cash back on the first $25,000 spent on office supplies, internet, cable, and phone services
1% cash back on all other business purchases and when the cap on above-mentioned categories is met

Other benefits:

$900 bonus cash back after you spend $6,000 within the first three months
Flexible redemption lets you redeem your cash back rewards for travel, cash back, gift cards, and merchandise through Chase Ultimate Rewards®
Free employee cards
No annual fee
No return check penalty

Your cash back rewards don’t expire as long as your account is open and in good standing. Chase Ink Business Cash® card is 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 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

On Citi's Secure Website

Intro APR

N/A

Regular APR

19.99% variable

Annual Fee

None, but you must be a Costco member to qualify

Credit Needed

Excellent

4% cash back on eligible gas worldwide, including gas at Costco, for the first $7,000 per year and then 1% thereafter
3% cash back on restaurant and eligible travel purchases worldwide
2% cash back on all other purchases from Costco and Costco.com
1% cash back on all other purchases

Pros

Doesn’t charge annual and foreign transaction fees
Generous cash back rewards

Cons

No 0% introductory APR period
Premium rewards are only suited to those who frequently shop at Costco
Need to secure Costco membership to qualify

Damage and theft protection: This can cover you for either repairs or a refund if items purchased with your Citi card are damaged or stolen within 120 days of purchase―90 days for New York residents.
Rental car damage plan: If you rented a car through Costco travel, a rental car damage plan with Costco preferred rates will be made available to you via Zurich. This offers coverage for rental car damage because of an accidental collision, theft, vandalism, and more.
Citi® Quick Lock: This helps block new purchases and cash advances instantly while allowing recurring transactions, payments, balance transfers, and credits to continue without disruption.
FICO® scores: Citi believes it is important for you to be updated on your credit status. Hence, they partnered with FICO and Equifax to give you a better understanding of where your credit status is.
Citi® Concierge: Citi® Concierge gives you access to several experts who work around the clock to help you with your travel, shopping, dining, entertainment, and everyday needs.

Intro APR

N/A

Regular APR

19.99% variable

Annual Fee

None, but you must be a Costco member to qualify

Credit Needed

Excellent

4% cash back on eligible gas worldwide, including gas at Costco, for the first $7,000 per year and then 1% thereafter
3% cash back on restaurant and eligible travel purchases worldwide
2% cash back on all other purchases from Costco and Costco.com
1% cash back on all other purchases

Pros

Doesn’t charge annual and foreign transaction fees
Generous cash back rewards

Cons

No 0% introductory APR period
Premium rewards are only suited to those who frequently shop at Costco
Need to secure Costco membership to qualify

Damage and theft protection: This can cover you for either repairs or a refund if items purchased with your Citi card are damaged or stolen within 120 days of purchase―90 days for New York residents.
Rental car damage plan: If you rented a car through Costco travel, a rental car damage plan with Costco preferred rates will be made available to you via Zurich. This offers coverage for rental car damage because of an accidental collision, theft, vandalism, and more.
Citi® Quick Lock: This helps block new purchases and cash advances instantly while allowing recurring transactions, payments, balance transfers, and credits to continue without disruption.
FICO® scores: Citi believes it is important for you to be updated on your credit status. Hence, they partnered with FICO and Equifax to give you a better understanding of where your credit status is.
Citi® Concierge: Citi® Concierge gives you access to several experts who work around the clock to help you with your travel, shopping, dining, entertainment, and everyday needs.

Why we like it: 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. Aside from earning up to 4% cash back on fuel expenses, you can enjoy earning rewards on other expense categories too. Also, even if this is a co-branded card, you can use it for other business-related purchases anywhere Visa® is accepted.

Rewards:

4% cash back for the first $7,000 each calendar year on gas purchases at eligible gas stations, including Costco
3% cash back on restaurants and eligible travel purchases
2% cash back on non-fuel purchases from Costco and Costco.com
1% cash back on all other purchases and after the cap on fuel expenses is met

Other benefits:

No annual fee outside of your Costco membership
No foreign transaction fee on international purchases
Citi Entertainment® feature provides special access to purchase tickets to thousands of events like presale tickets and exclusive experiences for concerts, sporting events, dining experiences, and more

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.

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

on Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card's secure website.

Intro APR

0%
9 billing cycles

Regular APR

18.49% - 28.49% Variable APR on purchases

Annual Fee

$0.00

Credit Needed

Excellent

Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
You'll earn 3% and 2% cash back 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 our highest Preferred Rewards for Business 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.
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
Doesn’t charge annual fees
With sign-up bonus

Cons

Premium cash back rewards are capped on a selected spending category
Charges foreign transaction fees
Short introductory APR period

Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.

Intro APR

0%
9 billing cycles

Regular APR

18.49% - 28.49% Variable APR on purchases

Annual Fee

$0.00

Credit Needed

Excellent

Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
You'll earn 3% and 2% cash back 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 our highest Preferred Rewards for Business 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.
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
Doesn’t charge annual fees
With sign-up bonus

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: If you want to take control of which spending category you earn premium cash back, Bank of America® Business Advantage Customized Cash Rewards Credit Card is your best bet. It lets you choose the spending category where you can earn 3% cash back, including gas; however, there’s a maximum cap limit per year.

Rewards:

3% cash back on your chosen category, including:
- Gas stations & EV charging stations (default)
- Office supplies
- Travel
- TV/telecom and wireless services
- Computer services
- Business consulting services
2% cash back on dining
1% cash back on all other expenses and when the cap is met

Note that you’ll only earn 3% and 2% cash back on the first $50,000 combined purchases for your chosen category and dining per year, respectively, then you’ll receive 1% cash back on these expense categories after the cap is met.

Other benefits:

No annual fee
$300 bonus cash back when you spend $3,000 within three months of card ownership
0% Introductory APR on purchases for the first 9 billing cycles
Preferred Rewards for Business members can earn up to 75% more cash back on every purchase
Access to Mobile Banking app or Business Advantage 360—you can change your choice category through these tools at least once per calendar month

You can redeem your cash back as a deposit into your Bank of America checking or savings account, as a card statement credit, or as a check mailed to you. This card is also one of our best small business credit cards and top business cards for limited liability companies (LLCs) 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 Card^TM: Best for 5% Cash Back on GM Dealership Parts and Services & 3% on Gas and Restaurant Purchases

GM Business Card™

BEST FOR:

Those who do business regularly with GM

on GM Business Card™'s secure website.

Intro APR

0% APR

Regular APR

18.99% to 28.99% variable

Annual Fee

None

Credit Needed

Good/Excellent

5% back on purchases of GM Genuine and ACDelcro Parts, accessories, and paid Certified Service at authorized GM Dealers
3% back on purchases from gas stations, restaurants, and office supply stores.
1% back on all other purchases

Pros

With signup bonus
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.

See Rates
& Fees

Intro APR

0% APR

Regular APR

18.99% to 28.99% variable

Annual Fee

None

Credit Needed

Good/Excellent

5% back on purchases of GM Genuine and ACDelcro Parts, accessories, and paid Certified Service at authorized GM Dealers
3% back on purchases from gas stations, restaurants, and office supply stores.
1% back on all other purchases

Pros

With signup bonus
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.

See Rates & Fees

Why we like it: If you drive a Chevrolet, GMC, Cadillac, or Buick, you can take advantage of the premium rewards offered by the GM Business Card^TM from Marcus by Goldman Sachs for parts and services from your local GM dealership. Plus, you can enjoy an interest-free period on purchases for the first 12 months after opening an account.

Rewards:

5% cash back on parts and service from your local GM dealership
3% cash back on gas, restaurants, and office supply stores
1% cash back on all other purchases

Other benefits:

$750 bonus cash back when you spend $5,000 in your first five months of card ownership
No annual fee, balance transfer fee, and cash advance fee
Free employee cards
Mastercard Easy Savings® lets you enjoy exclusive discounts on qualified purchases at participating merchants nationwide
Its simple online platform lets you track your transactions and set unique spending limits on employee cards

With this card, there’s no limit to the rewards you can earn, and there’s no expiration 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 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. This card is recommended if you prefer to gas up at Shell 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.

Rewards:

Up to 5 cents per gallon at Shell Stations
Exclusive discounts at participating Jiffy Lube stations for oil changes and preventative maintenance

Other benefits:

No setup, monthly, and annual fees
You can carry a balance each month with interest
Accepted at nearly 13,000 Shell stations and participating Jiffy Lube locations nationwide
Access to detailed reports online, including purchase controls and data analytics
24/7 customer service

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 more than 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.

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 is a gas station-specific card, it is accepted at more than 7,500 Phillips 66®, Conoco® and 76® locations and more than 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.

Rewards:

3 cents off per gallon if you fill up 500 to 2,499 gallons in a month
4 cents off per gallon if you fill up 2,500 to 4,999 gallons in a month
5 cents off per gallon if you fill up 5,000 to 6,999 gallons in a month
6 cents off per gallon if you fill up 7,000 to 9,999 gallons in a month
7 cents off per gallon if you fill up 10,000 or more in a month

Other benefits:

10 cents off per gallon at Phillips 66®, Conoco® and 76® for the first six months
Automatic fuel expense tracking lets you view all transactions made with your card, so you can manage vehicle-related costs and plan budgets
Qualified businesses will have access to tax exemption reports, which include exemptions that can be applied to your account
24/7 customer service

Keep in mind that this card can only be used at Phillips 66®, Conoco®, and 76® gas and service locations. Also, it is a charge card and not a credit card, so you must pay your balance in full each month.

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 1,999 monthly gallons: 1-cent rebate per gallon
2,000 to 3,999 monthly gallons: 2-cent rebate per gallon
4,000 to 5,999 monthly gallons: 3-cent rebate per gallon
6,000 to 7,999 monthly gallons: 4-cent rebate per gallon
8,000 to 9,999 monthly gallons: 5-cent rebate per gallon
10,000 or more monthly gallons: 6-cent rebate per gallon

Intro APR

None

Regular APR

N/A

Annual Fee

not disclosed, contact (888) 531-3698 for info

Credit Needed

N/A

Save up to 6 cents per gallon at nearly 8,000 Chevron and Texaco locations

Pros

Accepted at 95% of US gas stations
24/7 customer service and 24/7 roadside assistance available
One-click reports include:
- Purchase activity
- Exception, transaction summary, and transaction deals
- Financial summary, site summary, and exception summary
- Tax exemption (for qualified fleets)

Cons

Not a credit card but a charge card, so the balance is due in full each billing cycle
Rebates only available at Chevron and Texaco locations

Discounts of up to 6 cents a gallon at nearly 8,000 Chevron and Texaco locations

500 to 1,999 monthly gallons: 1-cent rebate per gallon
2,000 to 3,999 monthly gallons: 2-cent rebate per gallon
4,000 to 5,999 monthly gallons: 3-cent rebate per gallon
6,000 to 7,999 monthly gallons: 4-cent rebate per gallon
8,000 to 9,999 monthly gallons: 5-cent rebate per gallon
10,000 or more monthly gallons: 6-cent rebate per gallon

Why we like it: 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 is not exclusive for use at Chevron and Texaco gas stations—it is accepted at most major fuel stations across the United States.

Rewards:

1 cent off per gallon for 500 to 1,999 gallons per month
2 cents off per gallon for 2,000 to 3,999 gallons per month
3 cents off per gallon for 4,000 to 5,999 gallons per month
4 cents off per gallon for 6,000 to 7,999 gallons per month
5 cents off per gallon for 8,000 to 9,999 gallons per month
6 cents off per gallon for 10,000 or more gallons per month

Other benefits:

Online account management lets you set spending limits for employees and view reports on purchase activity and financial summaries
Automatic accounting saves you time on paperwork
24/7 US-based customer advisors available
Access to special discounts on auto parts, tires, hotels, and more (for qualified cardholders)

You’ll only receive rebates if you gas up at Chevron and Texaco stations—but you can use the card at most other gas stations in the country. Also, 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.

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, automatic reporting, and online management tools that let you manage your users efficiently.

Coast Visa Card: Best Universally Accepted Fleet Charge Card With No Personal Guarantee

Coast Fuel Card

BEST FOR:

Businesses with small to large fleets

on Coast Fuel Card's secure website.

Intro APR

N/A

Regular APR

N/A

Annual Fee

None, only $4 per active card per month

Credit Needed

Good to Excellent

Up to 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, etc.

Intro APR

N/A

Regular APR

N/A

Annual Fee

None, only $4 per active card per month

Credit Needed

Good to Excellent

Up to 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, etc.

Why we like it: Coast Visa 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. This card 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.

Rewards:

2 cents off per gallon anywhere you purchase gas—there are no tiers or excluded fuel stations
Unlimited 1% cash back on all other non-fuel purchases

Other benefits:

Access to Coast portal that offers robust controls, allowing you to set limits, authorize payments, and order and assign cards to employees
Real-time visibility allows you to monitor your spending and get alerts for any suspicious transactions
It’s a Visa card, meaning you can use it anywhere Visa is accepted

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 user, per month.

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 is accepted at 95% of fuel stations and around 45,000 service locations in the US. You can use the WEX mobile app to help you find the cheapest nearby fuel station. Plus, there is no annual or setup fee, and you have the flexibility to carry a monthly balance.

Rewards:

3 cents off per gallon for up to 6,000 gallons per account per year

Other benefits:

Robust controls around employee spending
Reporting services available, including 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
Roadside services available, including towing, winching, tire change, fluid delivery, jump starts, and lockout services
24/7 customer service

It’s worth noting that you must pay the required minimum on time each month or no rebate will be applied. Also, as per WEX’s website, the rebates are applicable to 6,000 gallons per account per year, but it did not mention the rebate rate after the cap is met.

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