Best business credit cards for gas of July 2024
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“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.
BLUEPRINT
Updated 5:05 a.m. UTC July 1, 2024
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Businesses that put in a lot of miles on the road also end up putting a lot of fuel in the gas tank. Whether you’re running a fleet or employees are driving their own vehicles, gas costs can be a significant expense. That’s where business credit cards designed specifically for gas purchases can positively impact your bottom line.
The best gas cards for businesses offer generous rewards on purchases at gas stations, additional card perks such as roadside assistance and free employee cards to streamline expenses. Here is our list of the best business credit cards for gas for 2024.
Best business credit cards for gas
- Wyndham Rewards Earner® Business Card *: Best business credit card for gas.
- U.S. Bank Triple Cash Rewards Visa® Business Card *: Best for long intro APR.
- Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card *: Best for rotating rewards categories.
- The American Express Blue Business Cash™ Card *: Best for flat-rate cash-back rewards.
- Costco Anywhere Visa® Business Card by Citi *: Best for Costco business members.
All information about The American Express Blue Business Cash™ Card has been collected independently by Blueprint.
Why trust our credit card experts
Our team of experts evaluates hundreds of credit cards and analyzes thousands of data points to help you find the best card for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.
- 55+ cards analyzed.
- 5+ data points considered.
- 5-step fact-checking process.
Best business credit card for gas
Wyndham Rewards Earner® Business Card
*The information for the Wyndham Rewards Earner® Business Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Best for long intro APR
U.S. Bank Triple Cash Rewards Visa® Business Card
*The information for the U.S. Bank Triple Cash Rewards Visa® Business Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Best for rotating rewards categories
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
*The information for the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Best for flat-rate cash-back rewards
The American Express Blue Business Cash™ Card
*The information for the The American Express Blue Business Cash™ Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
All information about The American Express Blue Business Cash™ Card has been collected independently by Blueprint.
Best for Costco business members
Costco Anywhere Visa® Business Card by Citi
*The information for the Costco Anywhere Visa® Business Card by Citi has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Compare the best business credit cards for gas
Earn 45,000 bonus points, enough for up to 6 free nights at participating properties, after spending $3,000 in the first 90 days. Free nights can require up to 30,000 points per bedroom at participating properties and are subject to availability. Resort fees may apply and cannot be paid with points.
Earn $500 in cash back after spending $4,500 on the account owner’s card in the first 150 days of opening the account.
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 a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
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All information about The American Express Blue Business Cash™ Card has been collected independently by Blueprint.
The information for the Wyndham Rewards Earner® Business Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Why this card made the list
The Wyndham Rewards Earner® Business Card * The information for the Wyndham Rewards Earner® Business Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. takes the top spot on our list of best business credit cards for gas due to its high rewards rate of 8 points per $1 spent on Hotels By Wyndham and gas purchases, 5 points per $1 on marketing, advertising and utility purchases and 1 point per $1 on all other purchases. In addition to that unmatched (and unlimited) gas rewards rate are the perks that cater to business travelers including Wyndham Diamond level benefits (suite upgrades, car rental upgrades, early check-in and late checkouts), a generous welcome bonus, card anniversary points of 15,000 bonus points every card anniversary, which can be redeemed for up to two free nights at select Wyndham properties, cell phone protection and complimentary employee cards.
While the Wyndham Rewards Earner Business Card does carry a nominal annual fee, if you or your employees are frequently on the road and prefer to stay at Wyndham properties, your rewards will add up quickly and can be redeemed for free hotel stays.
- Annual fee: $95.
- Rewards: 8 points per $1 spent on Hotels By Wyndham and gas purchases, 5 points per $1 on marketing, advertising and utility purchases and 1 point per $1 on all other purchases.
- Welcome bonus: Earn 45,000 points, enough for up to six free nights at participating properties, after spending $3,000 in the first 90 days. Free nights can require up to 30,000 points per bedroom at participating properties and are subject to availability. Resort fees may apply and cannot be paid with points.
- APR: 0% intro APR for six billing cycles from the transaction date on all qualifying Wyndham Timeshare purchases. The standard APR of 21.24%, 25.24% or 30.24% variable applies to purchases and balance transfers. A balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater, applies.
- Foreign transaction fees: 0% of each transaction in U.S. dollars.
The information for the U.S. Bank Triple Cash Rewards Visa® Business Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Why this card made the list
The $0-annual-fee U.S. Bank Triple Cash Rewards Visa® Business Card * The information for the U.S. Bank Triple Cash Rewards Visa® Business Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. not only offers an unlimited and generous rewards on gas and EV charging station purchases, but it also comes with a helpful intro APR offer on purchases and balance transfers, the latter of which can be hard to find on a small business card. Eligible cardholders can also access the card’s ExtendPay Plan which allows you to divide eligible purchases into equal monthly payments with no interest for a small fixed monthly fee. Both of these payment offers can come in handy if your business is facing a temporary cash crunch.
Plus, cardholders can get a $100 statement credit every year for recurring software subscription purchases, including FreshBooks or QuickBooks.
- Annual fee: $0.
- Rewards: 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center, 3% cash back at gas and EV charging stations, office supply stores, cellphone service providers and restaurants and 1% cash back on all other eligible purchases.
- Welcome bonus: $500 in cash back after spending $4,500 on purchases in the first 150 days of account opening.
- APR: 0% intro APR on qualifying purchases for the first 12 billing cycles, followed by a variable APR of 19.24% to 28.24% on purchases and balance transfers. A balance transfer fee of either 3% of each transfer or $5 minimum, whichever is greater, applies.
- Foreign transaction fees: 3% of each foreign transaction.
The information for the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Why this card made the list
What makes the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card * The information for the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. stand out from the competition is that cardholders can choose where they want to earn elevated cash back in one of six popular spending categories each month, including gas station purchases. The other categories are office supply stores, travel, TV, telecom or wireless services, computer services or business consulting services.
The default category is gas, but if you anticipate spending more on airfare one month, you can switch the highest bonus category to travel instead. However, you’ll have to remember to switch the category back to gas or another category the following month to tailor the rewards to your spending patterns.
If your business has a Bank of America business checking account and qualifies for one of three Bank of America Preferred Rewards for Business tiers, you can earn up to 75% more cash back on your purchases, which can snag you unbeatable rates on your spending.
- Annual fee: $0.
- Rewards: 3% cash back in the category of choice, 2% cash back on dining purchases and 1% cash back on all other purchases. Earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year and then 1% thereafter.
- Welcome bonus: $300 statement credit after spending $3,000 on purchases in the first 90 days of account opening.
- APR: 0% intro APR on purchases for the first nine billing cycles, then a 18.49% to 28.49% variable APR on purchases and balance transfers. A balance transfer fee of 4% of each transaction applies.
- Foreign transaction fees: 3% of the U.S. dollar amount of each transaction.
The information for the The American Express Blue Business Cash™ Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Why this card made the list
If remembering to select different categories every month seems like a hassle, you may want a simpler approach with a flat rate cash-back card. For an annual fee of $0 (terms apply, ), you can earn 2% cash back on all eligible purchases (automatically rewarded via statement credits), up to $50,000 per calendar year, then 1% with The American Express Blue Business Cash™ Card * The information for the The American Express Blue Business Cash™ Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. .
You can also add up to 99 employee cards to your account at no additional cost, and set spending limits and monitor employee activity for more control over your business.
- Annual fee: $0.
- Rewards: 2% cash back on all eligible purchases (automatically rewarded via statement credits), up to $50,000 per calendar year, then 1%.
- Welcome bonus: $250 statement credit after spending $3,000 in purchases in the first three months of card membership.
- APR: 0% intro APR on purchases for the first 12 months, then a 18.49% to 26.49% variable APR.
- Foreign transaction fees: 2.7% of each transaction after conversion to US dollars.
All information about The American Express Blue Business Cash™ Card has been collected independently by Blueprint.
The information for the Costco Anywhere Visa® Business Card by Citi has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Why this card made the list
If Costco is your go-to warehouse for business supplies, you can earn a nice 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year then 1% thereafter, 3% cash back on restaurants and eligible travel purchases, 2% cash back at Costco and Costco.com and 1% cash back on all other purchases. A Costco membership is required to apply. There’s also no charge for authorized users, making it easier to justify additional cards for your team.
While there is no annual fee, your business must be a Costco member to apply for the card. A Costco business membership starts at $60 a year and an Executive membership at $120 a year. If you’re an Executive Costco member, which offers 2% back on qualified purchases (which doesn’t include gas, unfortunately, and has an earning cap of $1,000), you can stack the rewards earned with the Costco Anywhere Visa Business Card by Citi. However, your cash back is only distributed once a year.
- Annual fee: $0, but a Costco membership is required.
- Rewards: 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year then 1% thereafter, 3% cash back on restaurants and eligible travel purchases, 2% cash back at Costco and Costco.com and 1% cash back on all other purchases. A Costco membership is required to apply.
- Welcome bonus: None.
- APR: 20.49% variable APR on purchases.
- Foreign transaction fees: None.
Methodology
Our credit cards team has spent hours analyzing hundreds of credit cards. We took a deep dive into the details of each product and that analysis, combined with our years of experience covering credit cards, informed us as we developed these credit card rankings. Factors we considered included:
- Annual fees.
- Rewards rate on gas.
- Rewards rate on other types of spending.
- Any intro APRs.
- Authorized user fees.
- Additional card perks.
Should you get a business credit card for gas purchases?
If you’re running a business where gasoline purchases are a major line item expense, using a credit card that rewards you for those purchases can help save you a bit of cash.
Here’s an estimate on how much you could save on an estimated $5,000 just in gas expenditures annually from the cards in our list:
All information about The American Express Blue Business Cash™ Card has been collected independently by Blueprint.
Of course, the chart above just shows gas purchase earnings, so when you add up other types of expenditures made on the card, the more rewards you’ll earn.
Know that the Costco Anywhere Visa® Business Card by Citi * The information for the Costco Anywhere Visa® Business Card by Citi has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. allows for gas purchases not only at its affiliated gas stations, but on eligible gas purchases worldwide, but the cash-back rate for gas is capped, so you can only earn up to a certain amount before the rate drops.
When deciding on which card to apply for, you should factor in any annual fee, welcome bonus, annual bonus or other perks or benefits, as well as other daily business expenditures that may fall into elevated rewards categories (such as dining, travel, office expenses, etc.) offered by a particular business card.
Guide to business credit cards for gas
What is a gas rewards program?
A credit card that offers a gas rewards program will offer a percentage of your gas purchases in either cash or a number of points per $1 spent. Depending on each card’s terms, the cash-back rewards can be redeemed as a check, a statement credit or used for gift cards or other products or services. Points, such as those offered by the Wyndham Rewards Earner® Business Card, can be redeemed for future hotel stays.
Be aware that some gas station brands, like Shell and Exxon Mobil may also offer their own savings programs which can allow you to stack your savings on gas.
Choosing the best business credit card for gas purchases
When looking for a business card that rewards you for your gas purchases, these are some things that should factor into your decision:
- Annual fee: If the card charges an annual fee, will what you earn in rewards or benefits outweigh that cost? If not, then you should look at no-annual-fee cards.
- Types of rewards: You need to decide if you’d like to earn points on your purchases that you can redeem for future travel purchases, such as hotel stays or flights, or cash back, which can typically be used as statement credits or a check.
- Spending categories: The more your spending aligns with a particular rewards program, the more you’ll earn in either cash back or points. If a card boasts an elevated rewards rate in spending categories that align with your business expenses — in addition to gas purchases — then you’re more likely to maximize your rewards earnings.
- Spending caps: Some rewards cards come with spending caps on how much you can earn in rewards at an elevated rate. If you think you’ll exceed that cap quickly, then you may be better off with a card that doesn’t have a cap, even if the rewards rate is slightly less.
- High-maintenance rewards programs: If you’re looking at cards that offer an elevated rewards rate in rotating categories that require you to select a new spending category every month, you’ll have to remember to make your category selection every 30 days. If that sounds like too much work, you may be better off with a card with a set-it-and-forget-it rewards structure.
- Employee cards: If you’d like to rack up rewards through employee spending and streamline employee expenses, ensure the card you’re applying for offers free employee cards as well as allow you to establish certain spending limits and controls.
- Intro APR: Some rewards cards come with a 0% intro APR for a specified period of time. This can help you finance a large purchase over time and save you from interest charges during the promotional period.
- Card benefits: Many business cards come with tools and benefits that can save you money. For example, the American Express Blue Business Cash offers the ability to assign an account manager to oversee your card account. Or a card may come with certain protections, such as travel and emergency services, overdraft protection or free access to business credit scores. Your business needs should influence which type of card would benefit you most.
Benefits of using a business credit card for gas purchases
In addition to keeping personal and business purchases separate, a business card that rewards you for gas purchases with either points or cash back can help offset those expenses. Depending on how much you spend on gas vs. other types of expenditures can help you narrow down your card choice.
For example, if you don’t mind switching spending categories every month, with the Bank of America Business Advantage Customized Cash Rewards card, you could apply the highest earning category of cash-back savings to gas one month and office supplies the next month.
Or you may choose a card that offers a simpler rewards structure that doesn’t require a lot of forward-thinking and maintenance, like the U.S. Bank Triple Cash Rewards Visa® Business Card * The information for the U.S. Bank Triple Cash Rewards Visa® Business Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. , which offers elevated cash back on gas and EV charging stations, office supply stores, cell phone service providers and restaurants.
It all comes down to how a credit card aligns with your spending patterns and choosing a card that best aligns with those.
Frequently asked questions (FAQs)
If you or your business is spending a lot on fuel, then a gas card can help offset that cost. They can either offer a certain percentage of your total purchase in cash back, a certain number of points per $1 spent at the pump or reduce the price by a certain amount per gallon.
Depending on how often you and/or your employees are filling up at the pump can help you determine whether you’ll realize enough savings to justify using the card. Gas station credit cards typically offer anywhere from 5 to 10 cents off per gallon vs. more general-purpose rewards cards that offer a certain percentage of your total purchase (such as 3% cash back or a certain number of points per $1 spent).
That depends on the card. For example, the Exxon Mobil Smart Card+™ credit card * The information for the Exxon Mobil Smart Card+™ credit card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. can only be used at Exxon and Mobil gas stations, whereas the Shell Fuel Rewards® Mastercard® * The information for the Shell Fuel Rewards® Mastercard® has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. can be used anywhere. Generally, if a gas station card is co-branded with a card network such as Visa or Mastercard, you should be able to use it anywhere.
If you’re new to credit and your business is just getting off the ground, then you’ll have a better chance of qualifying for a gas station-branded credit card (which, like retail cards, are easier to get approved for and may initially come with a low credit limit) or a secured business rewards card that requires a security deposit that serves as your credit line, such as the Bank of America® Business Advantage Unlimited Cash Rewards Secured credit card * The information for the Bank of America® Business Advantage Unlimited Cash Rewards Secured credit card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. .
A fleet fuel card is designed for businesses with multiple drivers (such as a trucking or delivery company). In addition to helping a business keep track of fuel expenses, fleet cards typically offer some type of gas pump discounts as well as provide invaluable fuel usage data to the business owner. Some fleet cards are restricted to a particular gas provider, like Exxon Mobil or Shell, while others can be used at any gas station.
*The information for the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card, Bank of America® Business Advantage Unlimited Cash Rewards Secured credit card, Costco Anywhere Visa® Business Card by Citi, Exxon Mobil Smart Card+™ credit card, Shell Fuel Rewards® Mastercard®, The American Express Blue Business Cash™ Card, U.S. Bank Triple Cash Rewards Visa® Business Card and Wyndham Rewards Earner® Business Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.
Blueprint has an advertiser disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.
