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Coast Fuel Card is a Visa fleet and fuel card designed for business owners who have frequent gas expenses and don’t want to provide a personal guarantee. It offers a smart platform that allows you to track your expenditures, set spending controls, and generate expense reports. It also lets you earn generous rebates on fuel expenses and a fixed-rate cash back on all other purchases for a monthly fee of only $4 per active user.
Coast Fuel Card
BEST FOR:
Businesses with small to large fleets
- Up to 10 cents off on every 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
- Integrations with QuickBooks, Fleetio, Samsara, Geotab, Verizon Connect, Azuga, and more
- Up to 10 cents off on every 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
- Integrations with QuickBooks, Fleetio, Samsara, Geotab, Verizon Connect, Azuga, and more
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When grading business fuel credit cards like the Coast Fuel Card, we first take into account the card’s fees, network availability, and reporting tools. Then, we rate the repayment terms, rewards, rebate programs, and other features.
Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Fees | 15 | 20 |
Network Availability | 20 | 20 |
Reporting Tools | 20 | 20 |
Repayment Terms | 5 | 10 |
Rewards | 5 | 10 |
Rebate Programs | 10 | 10 |
Other Features | 8 | 10 |
Total Score | 83 | 100 |
Who the Coast Fuel Card Is Best For
- Businesses with fleets: Coast is best for corporations, limited liability companies (LLCs), and partnerships that own at least five-vehicle fleets.
- Business owners who do not want to provide a personal guarantee: Coast Fuel Card does not require a personal guarantee as part of the application process.
It’s important to note that Coast Fuel Card is not available to sole proprietors. If this card is not a good fit for your business, see our recommended alternatives below.
Coast Fuel Card Rewards
- Up to 10 cents off on every gallon on your statement at any gas station with no tiers or excluded stations
- 1% cash back on every purchase at merchants other than gas stations, with no tiers or caps
Coast Fuel Card Rewards Calculator
One of the best things about Coast Fuel Card is that you can use it for nonfuel purchases and be rewarded on those expenses in the form of cash back. Use our calculator below if you want to know how much you can earn annually on both gas and nonfuel purchases.
How To Redeem Coast Fuel Rewards
The cash back rewards you earn on other purchases at merchants other than gas stations will be applied on the last day of each statement period in the form of a statement credit—there’s no need to redeem. Note that you need your Coast Account to be active and in good standing at the time the statement credit is posted.
Coast Fuel Card Features
Account Management
- Easy-to-use spend management dashboard:Â Onboard new users and vehicles in just a few clicks, order new cards in seconds, and set controls and restrictions.
- Spend controls: Set spending limits on employee cards to control spending. You can limit the number of transactions or total spending by day, week, or month and set a requirement to provide odometer readings. You can also set spending limits by driver or vehicle.
Security
- Real-time alerts: Receive real-time alerts for suspicious transactions, allowing you to catch misuse and exceptions faster.
- Intuitive reports and charts: Track expense transactions with its expense reports and comparative charts.
Exclusive Partner Discounts & Perks
- 8 to 10 cents off per gallon at partner stations in the Northeast and Texas at ExxonMobil
- 6 to 8 cents off per gallon at partner stations in the Northeast and Texas in the following:
- AllTown Fresh
- BP
- CitGo
- Global
- Shell
- Sunoco
- 76
- 7 cents off on every gallon in the following:
- Speedway
- 7-Eleven
- 6 cents off per gallon at Casey’s
- 4 cents off per gallon in the following:
- RaceWay
- RaceTrace
- ExxonMobil
- 15% off on oil change services at Take 5
- 15% off on your first-year subscription at Whip Around
- 10% off on maintenance and oil change services at Jiffy Lube
- 8% off on tires and wheels at Discount Tire
- 2% on roadside assistance at Honk’s
- 30% off on QuickBooks for six months
- Six months free field service management software at Field Complete
Coast Fuel Card Fees
- Monthly: $4 per active card per month
- Late payment:
- $35 or 1% of the amount past due if you fail to pay your balance by its due date
- $35 or 5% of the full overdue balance if it remains unpaid 31 days after your initial payment due date
- Return payment: $35
Coast Fuel Card is a charge card, which means your entire balance is due every billing cycle. The monthly fee is only charged to users with at least one completed transaction for that month. If the user did not use the card, then no fee will be charged. The monthly fee includes access to the Coast expense management platform.
It’s worth noting that Coast doesn’t charge per-gallon administration, per-transaction, electronic payment, and check processing fees. Cardholders also don’t need to pay low gas price surcharges, reporting fees, portal access fees, or inflated penalties for higher unpaid balances.
- Connect your business bank account to the platform: To connect a business bank account to your Coast portal, go to the “Account Settings” section under “Payment Methods.” This allows you to make direct debit payments. You can either:
- Automatically debit your credit card bill to your business bank account on your due date.
- Use that bank account to make a one-time payment.
- Manually schedule an automated clearing house (ACH) or wire payment from any business bank account You can find the Coast account number in the “Account Settings” section under “Payment Methods,” then click the “Pay by ACH Credit or Wire” link. .
Coast Fuel Card Alternatives
U.S. Bank Business Triple Cash Rewards World Elite Visa®
U.S. Bank Triple Cash Rewards Visa® Business Card
BEST FOR:
Those wanting to earn up to 5% cash back on selected spending categories
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 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.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- 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.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 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.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- 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.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee
If you are looking for a small business credit card that offers a 0% introductory period on purchases and let you earn rewards besides gas and EV charging stations, then we suggest the U.S. Bank Business Triple Cash Rewards World Elite Visa®. This card also lets you enjoy $0 annual fees and let you pay eligible purchases over time through a U.S. Bank ExtendPay® Plan.
American Express Blue Business Cash™
The American Express Blue Business Cash™ Card
BEST FOR:
Those who want better cash back rewards
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% – 27.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply
Pros
- 0% introductory annual percentage rate (APR)
- Welcome offer
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% – 27.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply
Pros
- 0% introductory annual percentage rate (APR)
- Welcome offer
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
Consider the American Express Blue Business Cash™ if you want a straightforward way of earning rewards. This card also lets you spend beyond your credit limit through the expanded buying power.
Ramp Credit Card
Ramp Credit Card
BEST FOR:
Those who are using Ramp as their main financial management tool
- Up to 1.5% cash back on purchases, regardless of spending categories
Pros
- Offers rewards for cardholders
- Does not charge additional fees
- Integrates with accounting software, such as QuickBooks and Xero
Cons
- Requires paying balances in full each month
- Is unavailable to sole proprietors and unincorporated businesses
- Travel and emergency assistance services: Call the Benefit Administrator at (800) 397-9010 if you are in the United States or (303) 967-1093 if you are outside of the US if you need emergency assistance.
- Purchase security: Receive a maximum of $10,000 per claim and $50,000 per cardholder in cases of theft or damage to purchases made with your card.
- Auto rental collision damage waiver: When using this card for renting a car, you can be reimbursed for damages caused by theft or collision up to the Actual Cash Value of most rented cars. Note that rental periods of 31 consecutive days are covered.
- Extended warranty protection: Extend warranties for eligible purchases made with your covered account and/or rewards programs associated with your account.
- Up to 1.5% cash back on purchases, regardless of spending categories
Pros
- Offers rewards for cardholders
- Does not charge additional fees
- Integrates with accounting software, such as QuickBooks and Xero
Cons
- Requires paying balances in full each month
- Is unavailable to sole proprietors and unincorporated businesses
- Travel and emergency assistance services: Call the Benefit Administrator at (800) 397-9010 if you are in the United States or (303) 967-1093 if you are outside of the US if you need emergency assistance.
- Purchase security: Receive a maximum of $10,000 per claim and $50,000 per cardholder in cases of theft or damage to purchases made with your card.
- Auto rental collision damage waiver: When using this card for renting a car, you can be reimbursed for damages caused by theft or collision up to the Actual Cash Value of most rented cars. Note that rental periods of 31 consecutive days are covered.
- Extended warranty protection: Extend warranties for eligible purchases made with your covered account and/or rewards programs associated with your account.
If having a robust expense and management system with useful features is important, you may want to consider Ramp Credit Card, which is a corporate charge card that lets you earn 1.5% cash back on all purchases. This card lets you enjoy $0 annual or monthly fees, and take advantage of more than $350,000 in partner rewards.
Frequently Asked Questions (FAQs)
Coast offers a fast and easy online application process that takes around a few minutes to complete. In some cases, you can get approval within minutes after submission. However, you will typically receive an update about your application within three to five business days. Contact support@coastpay.com if you did not receive any update after five business days.
No, Coast does not require a personal guarantee prior to your application.
You can control your employee spending, including the number of transactions or total spend by day, week, or month. You can also set a requirement to provide odometer readings. Note that each card you receive can be used by any team member, and you can assign the card numbers to your specific drivers through the online portal.
No, you cannot withdraw cash from your Coast card. However, it can be used to make purchases at gas stations and anywhere Visa is accepted.
Bottom Line
Coast Fuel Card is best for companies with small to large fleets and frequent fuel expenses. It does not require a personal guarantee and provides a streamlined platform that allows you to monitor your spending and set user limits easily. Plus, it can be used anywhere Visa is accepted, and you can earn rewards on your purchases on top of the rebates you earn from gas and other partner merchants. Note, however, that Coast does not approve businesses structured as sole proprietorships.
Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers.
