11 Best Fuel Cards for Small Businesses for 2023
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 details.
When choosing the best fuel cards for small businesses, consider the number of fueling sites where you can use the card, rewards, and redemption methods. The best ones let you save money through discounts or rebates at gas stations or via points or cash back rewards on gas purchases. Your options include regular credit cards, charge cards, co-branded gas cards, and fleet cards.
The best fuel cards for small businesses are:
- U.S. Bank Triple Cash Rewards World EliteTM Mastercard: Best overall fuel card for small businesses with 0% APR for 15 months
- Chase Ink Business Cash®: Best for sole proprietorships and startups
- Costco Anywhere Visa® Business Card by Citi: Best for 4% cash back rewards at eligible gas stations
- GM Business CardTM: Best for 5% on GM dealership parts and services and 3% on gas and restaurant purchases
- Shell Small Business Card: Best fuel business card with no personal guarantee
- 76® Universal Card: Best charge card for use at major gas stations
- Chevron Texaco Business Access Card: Best for fuel rebates at Chevron and Texaco gas stations
- WEX FlexCard: Best fleet card with no setup and annual fees
- BP Business Solutions Fuel Plus: Best for small and mid-sized fleets that fuel up at BP and Amoco stations
- Arco® Business Solutions Mastercard®: Best fleet card for use at ARCO gas stations
- Coast Visa Card: Best fleet charge card with 2 cents off per gallon and unlimited 1% cash back on non-fuel purchases
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 APR.
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Best Overall Fuel Card for Small Businesses With 0% APR for 15 Months
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
0% APR for 15 billing cycles
- 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.
- 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
- 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.
- 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
- 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.
- 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 CardTM: Best for 5% on GM Dealership Parts and Services & 3% on Gas and Restaurant Purchases
- 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
- 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
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 $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
- Earn rebates of up to 5 cents per gallon
Pros
- Zero card fees
- Discounts at Jiffy Lube locations
Cons
- Businesses need to earn at least $1 million annually to qualify
- Total savings capped at $300 per billing cycle
- Online and mobile account management
- Cancel stolen or lost cards in real time online
- 24/7 customer service available
- Payment flexibility―revolve your balance or pay in full each billing cycle
- Earn rebates of up to 5 cents per gallon
Pros
- Zero card fees
- Discounts at Jiffy Lube locations
Cons
- Businesses need to earn at least $1 million annually to qualify
- Total savings capped at $300 per billing cycle
- Online and mobile account management
- Cancel stolen or lost cards in real time online
- 24/7 customer service available
- Payment flexibility―revolve your balance or pay in full each billing cycle
Why we like it: 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
- Save up to 7 cents per gallon at more than 6,800 76®, Conoco®, and Phillips 66® locations
- With the 76 Universal Card, you can save up to 7¢ a gallon (based on monthly gallons purchased at 76®, Phillips 66® and Conoco® locations).
Pros
- Accepted at 95% of US gas stations
- 24/7 roadside assistance and 24/7 customer service
- One-click reports include:
- Purchase activity
- Exception, transaction summary, and transaction deals
- Financial summary, site summary, and exception summary
- Tax exemption (for qualified fleets)
Cons
- Not a credit card but a charge card, so the balance is due in full each billing cycle
- Rebates only available at 76®, Conoco®, and Phillips 66® locations
- Unique driver IDs help prevent unauthorized purchases
- Manage spending by card or driver
- Restrict card use to times of day or days of week
- Limit card use by product type, location, or amount
- Discounts at 76®, Conoco®, and Phillips 66® locations
- 500 to 2,499 monthly gallons: 3-cent discount per gallon
- 2,500 to 4,999 monthly gallons: 4-cent discount per gallon
- 5,000 to 6,999 monthly gallons: 5-cent discount per gallon
- 7,000 to 9,999 monthly gallons: 6-cent discount per gallon
- 10,000 or more monthly gallons: 7-cent discount per gallon
- Save up to 7 cents per gallon at more than 6,800 76®, Conoco®, and Phillips 66® locations
- With the 76 Universal Card, you can save up to 7¢ a gallon (based on monthly gallons purchased at 76®, Phillips 66® and Conoco® locations).
Pros
- Accepted at 95% of US gas stations
- 24/7 roadside assistance and 24/7 customer service
- One-click reports include:
- Purchase activity
- Exception, transaction summary, and transaction deals
- Financial summary, site summary, and exception summary
- Tax exemption (for qualified fleets)
Cons
- Not a credit card but a charge card, so the balance is due in full each billing cycle
- Rebates only available at 76®, Conoco®, and Phillips 66® locations
- Unique driver IDs help prevent unauthorized purchases
- Manage spending by card or driver
- Restrict card use to times of day or days of week
- Limit card use by product type, location, or amount
- Discounts at 76®, Conoco®, and Phillips 66® locations
- 500 to 2,499 monthly gallons: 3-cent discount per gallon
- 2,500 to 4,999 monthly gallons: 4-cent discount per gallon
- 5,000 to 6,999 monthly gallons: 5-cent discount per gallon
- 7,000 to 9,999 monthly gallons: 6-cent discount per gallon
- 10,000 or more monthly gallons: 7-cent discount per gallon
Why we like it: The best thing about 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
- 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
- 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
- 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
- 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
- Up to 6 cents with volume-based rebates fuel purchases made at participating BP or Amoco branded locations in the US.
Pros
- Rebates on gas purchases at BP or Amoco branded locations in the US
- Tax exempt reporting
- Revolving and nonrevolving options available
Cons
- High APR
- High monthly fee
- Exclusive for use at BP or Amoco branded locations only
- Tax-exempt reporting
- Set card controls and purchase restrictions
- Online account manager
- Up to 6 cents with volume-based rebates fuel purchases made at participating BP or Amoco branded locations in the US.
Pros
- Rebates on gas purchases at BP or Amoco branded locations in the US
- Tax exempt reporting
- Revolving and nonrevolving options available
Cons
- High APR
- High monthly fee
- Exclusive for use at BP or Amoco branded locations only
- Tax-exempt reporting
- Set card controls and purchase restrictions
- Online account manager
Why we like it: If you own small to 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
- 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
- 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
- 2¢ off per gallon on your statement
- 1% back on non-fuel purchases
Pros
- Universally accepted fleet card
- 1% cash back on nonfuel purchases
- Doesn’t require personal guarantee
Cons
- Charges monthly fees to active users
- Balance is due in full each month
- Doesn’t support cash withdrawals
- Customizable controls
- Spend reports
- Exclusive discounts from large partner networks
- 2¢ off per gallon on your statement
- 1% back on non-fuel purchases
Pros
- Universally accepted fleet card
- 1% cash back on nonfuel purchases
- Doesn’t require personal guarantee
Cons
- Charges monthly fees to active users
- Balance is due in full each month
- Doesn’t support cash withdrawals
- Customizable controls
- Spend reports
- Exclusive discounts from large partner networks
Why we like it: Coast Visa is a universally-accepted fleet card that allows you to monitor your expenses and control your spending. It’s designed for businesses that operate fleets. You can enjoy two cents off per gallon anywhere you purchase gas—what’s more, there are no tiers or excluded fuel stations. Plus, since it’s a Visa card, you can use it anywhere Visa is accepted, and you can earn unlimited 1% cash back on all other non-fuel purchases.
You’ll have access to the Coast portal, which offers robust controls, allowing you to set limits, authorize payments, and order and assign cards to employees. You’ll also have real-time visibility that allows you to monitor your spending and get alerts for any suspicious transactions. Note that it’s a charge card, so you need to pay your full balance each month—otherwise, you’ll be charged a penalty fee of $35.
How We Selected the Best Fuel Cards for Small Businesses
To choose the best co-branded fuel cards for small business, we considered each card’s fees, repayment terms, network availability, any rebate programs, and reporting tools. For non-branded business fuel credit cards, we looked primarily at gas discounts or rebates, ease of use, additional rewards, fees, and features.
How To Find the Best Fuel Card for Small Business
When deciding which type of fuel card is best for your small business, 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, consider getting an exclusive cobranded 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 others also offer rewards on other business-related expenses. Consider the type of rewards you prefer to earn when choosing the right fuel card for your business.
- Reporting tools: The fleet cards included on this list offer tax-exempt reporting that can help you with tax filing. Other cards offer basic expense tracking and reporting for your business expenses. Determine which kind of reporting tool you prefer when deciding which business fuel card is best for you.
Bottom Line
You don’t need to own a large fleet to be eligible for a business fuel card. A fleet can be a single vehicle used by a sole proprietorship or 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.