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The 7 best gas credit cards for businesses in July 2024
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If your company spends a lot on fuel, whether because you manage a fleet of vehicles or your team frequently travels by car, you’ve likely considered a dedicated gas business credit card to earn rewards on fuel purchases.
The best gas cards offer expense management features in addition to rewards that can benefit your business. In this guide, we’ll list the 7 best gas cards to help you manage fuel expenses and earn rewards on gas.
Are fuel cards worth it for small businesses?
You can always use your primary business credit card for gas, but you might want to consider a gas card to start earning better rewards on fuel purchases.
A fuel card can help your small business track gas expenses with reports customized by driver, truck, date, and other factors so you can easily search and analyze spending. In addition, gas business credit cards often offer perks like fraud protection, extended warranties, and travel insurance. These benefits can provide added peace of mind for your business.
If fuel is one of your primary business expenses each month, there are no major drawbacks to getting a business gas credit card—provided it has no annual fee and a reasonable APR. But if you frequently have varied business expenses, a straightforward cashback business credit card might be a better choice.
Another option to consider is a gas debit card, which is a debit card you can only use to purchase fuel. But note that these cards won't come with the membership rewards you’d get with a gas credit card, and they won’t help you build business credit.
7 best gas credit card options for businesses
We’ve narrowed down our selections to the 7 top gas credit cards to consider for your company’s fuel purchases.
Here are the best business gas credit cards to choose from based on their total rewards, spend management features, interest rates, and low annual fees:
Which business gas card is the easiest to get?
The easiest business gas credit cards to get are secured credit cards, which generally have lower credit score requirements. However, secured credit cards require that you put down a minimum deposit when you apply, which then acts as your credit limit.
Bank of America’s Business Advantage Unlimited Cash Rewards Secured Credit Card is one option if you’re considering a secured credit card that still offers cashback rewards.
Do gas cards build business credit?
Yes, gas cards build business credit as long as the card issuer reports to one of the business credit bureaus, such as Equifax, TransUnion, or Dun & Bradstreet. Prepaid gas cards, like the Shell Refillable Card, don't report to business credit agencies and thus won't help you build business credit.
Fuel cards simplified with Ramp
Ramp’s powerful fleet cards offer cashback rewards while allowing you to customize spending and vendor limits for your employees.
Businesses that use Ramp save an average of 5% a year, managing their travel spend more efficiently with features like:
- Customizable spend and vendor controls
- Intuitive accounting integrations
- Enhanced visibility and spending insights
- Unlimited physical and virtual cards for your employees
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- Corporate card with built-in spend management
- Cashback rewards on purchases
- Automated expense reports on fuel spending
- Advanced financial management features
- Unlimited free employee cards
- Requires a registered business and $50,000 in a U.S. business bank account to qualify
- Balance must be paid in full monthly
- 4% cash back on eligible gas and EV charging, up to $7,000 per year, then 1%
- 2% cash back on all other purchases from Costco
- 1% cash back on all other purchases
- No foreign transaction fees and worldwide car rental insurance
- Purchase protection and travel emergency assistance
- Acts as a Costco membership ID
- High cash back on gas and Costco purchases
- Extensive travel and purchase protections
- Cash back redemption only available annually
- Requires Costco membership to qualify and use
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- 3% cashback on categories including gas stations/EV charging stations
- 5% cashback on prepaid hotels and car rentals
- 1% cashback on all other purchases
- 0% intro APR for 15 billing cycles
- $100 annual statement credit for SaaS subscriptions
- Intro APR applied to purchases and balance transfers
- Generous rewards with no cap
- Lacks benefits outside of cashback rewards
- Requires high credit score
- 3% cashback in the rewards category of your choice, including gas stations and EV charging
- 2% cashback on dining
- 1% cashback on all other purchases
- $300 welcome bonus offer
- Flexible cashback redemption options
- Cardholders with a Bank of America checking account can earn up to 75% more rewards
- Foreign transaction fees
- 9 months 0% intro APR period is shorter than competing cards
- 0% intro APR doesn’t apply to balance transfers
- 5% cashback on categories including office supply stores, internet, cable TV
- 2% cashback on gas stations and restaurants
- 1% cashback on all other purchases
- Sign-up bonus of $750 bonus cashback
- Free employee cards
- Generous rewards
- Includes rental car insurance
- Cap on 5% and 2% cash back categories
- Foreign transaction fees
- Rebates up to 5¢ per gallon at Shell stations
- Provides detailed, custom reports for tracking
- Offers 15% savings at participating Jiffy Lube locations
- Savings on fuel purchases at Shell
- No setup, monthly, or annual fees
- Useful financial management tools
- Rewards limited to Shell and Jiffy Lube
- Expensive to carry a balance
- 6x points on Marriott Bonvoy hotel purchases
- 4x points on select categories including gas stations
- 75,000 point welcome bonus
- Annual free hotel night
- Complimentary Marriott Bonvoy Gold Elite status
- Rewards less valuable for non-Marriott hotel stays
- Moderate annual fee
