Best business gas credit cards of 2025: Complete guide for fleet owners and small businesses

A gas credit card is a type of business credit card that provides benefits specifically for fuel-related expenses. These cards offer rewards, discounts, or cash back on fuel purchases, making them a smart tool for businesses with vehicles on the road. Some cards offer flat-rate rewards at gas stations, while others give higher returns within certain networks or spending categories.

Whether you're running a delivery fleet, managing field service teams, or building a new business, the right gas credit card transforms unavoidable fuel costs into profit opportunities while giving you complete spending control.

In this card comparison guide, we’ll break down the best business gas credit cards available—plus how to choose the right one based on how your business fuels, spends, and operates.

Summary: Best business gas credit cards by business type

Understanding different types of business gas cards

Business owners often wonder about the various options available for managing fuel expenses. A company gas card, also known as a fleet gas card, allows drivers to pay for fuel in company vehicles without spending their own money. These cards help you monitor spending patterns and eliminate the need for cash or check payments at gas stations. Advanced options even collect odometer readings to improve fleet efficiency and provide detailed usage analytics.

The most common types include fuel credit cards and prepaid cards. Credit-based fuel cards typically offer better reporting tools, higher limits, and help build business credit, while prepaid cards require loading funds in advance but don't require credit checks. For most established businesses, credit-based gas cards provide superior control features and reward opportunities.

If broad acceptance matters more than brand loyalty, the best business fuel credit cards will balance flexibility with cost savings. Debit-based gas cards also exist, but they usually don’t offer rewards or help build credit. For most businesses, a credit-based gas card provides better reporting tools, higher limits, and more control over spend.

Why your business needs a dedicated gas credit card

If your business spends more than $500 monthly on fuel, you're losing money and control without a dedicated gas card. Here's what the best business gas credit cards solve:

Immediate cost control:

• Stop fuel theft and misuse with purchase restrictions and real-time alerts
• Eliminate receipt hunting with automated expense tracking
• Reduce fuel costs by 3-6¢ per gallon through rewards and discounts
• Simplify tax prep with categorized fuel expenses

Long-term benefits of business gas cards:

• Build business credit separate from personal finances
• Professional appearance when employees use company cards
• Cash flow management with payment terms and credit lines
• Scalable expense controls as your team grows

Unlike general-purpose business credit cards, the best gas cards for businesses are designed to give you more control over how and where fuel spending happens. Many let you set limits by driver or vehicle, restrict purchases to fuel or maintenance categories, and track usage across teams or job sites.

The best business gas credit cards also generate detailed reports, cut down on manual receipt tracking, simplify how fuel costs are allocated across departments, and offer cashback at specific stations, or are accepted nationwide—useful if your team travels across regions.

How to choose the right business gas card for your needs

The best gas card for your business depends on more than just rewards. It should match how your team uses fuel, how you manage spending, and what features actually save time. Here’s what to consider:

Control and track fleet spending (Best for businesses with 5+ vehicles)

If you're losing money because you can't see where your fuel budget is going, you need a card built for oversight and control. Look for cards with spending limits, purchase restrictions, and detailed reporting capabilities. The best options include the Ramp Business Credit Card and WEX Fleet FlexCard, which provide complete transaction visibility and help prevent unauthorized fuel purchases.

Maximize rewards on necessary spending (Best for consistent fuel users)

Businesses that view fuel as an unavoidable expense should turn those costs into profit through cashback and rewards. Focus on cards with high gas reward rates, no annual fees, and flexible redemption options. The Costco Anywhere card offers 4% cashback while the U.S. Bank Triple Cash provides 3% returns, turning your fuel spending into meaningful revenue.

Establish business credit and legitimacy (Best for new businesses)

New business owners often need payment tools that help build business credit while projecting a professional image. Prioritize gas credit cards with business credit reporting, EIN-only approval processes, and no personal guarantee requirements. Various secured business credit cards help establish creditworthiness while providing essential expense management capabilities.

Simplify operations and reduce admin (Best for time-strapped owners)

Business owners who want fuel expenses to manage themselves should focus on automation and integration features. Choose gas credit cards with automated categorization, accounting software integrations, and comprehensive mobile apps. Ramp's automated receipt matching and Chase Ink's simple category structure significantly reduce the administrative burden of expense management.

Key security features to consider

Modern business gas cards include robust security features designed to prevent fuel fraud and unauthorized spending. Look for cards offering custom management controls that let you set time, transaction, and spending limits per card. Real-time transaction monitoring provides instant access to purchase details, while pump-only restrictions prevent unauthorized convenience store purchases.

Advanced cards also provide spending and location alerts, notifying you immediately of any unusual activity. These security features are particularly valuable for fleet operations where multiple employees have card access and fuel purchases happen across various locations.

Are fuel cards worth it for small businesses?

Absolutely—fuel cards can dramatically reduce administrative overhead and accounting complexity for small businesses. Under traditional expense reimbursement systems, employees must collect and submit receipts, which then require processing and reimbursement by finance teams. This creates significant administrative burden and delays.

With a dedicated fuel card, all transactions are automatically tracked and categorized, eliminating manual receipt processing. The time savings alone often justify the card, especially when combined with fuel discounts and rewards that can reduce costs by 3-6¢ per gallon. For businesses spending $500+ monthly on fuel, the administrative efficiency and cost savings make fuel cards a clear operational improvement.

Complete review: 8 of the best business gas credit cards

Every business uses fuel differently. A local delivery company might need a card that tracks driver spending and sets limits. A consulting firm with frequent travel could benefit more from flexible rewards on gas and general purchases.

The best business gas card isn’t one-size-fits-all. It’s about matching the card’s features, like rewards, controls, and reporting to how your business spends on fuel.

The Ramp Business Credit Card is a good option if you're managing a fleet or looking to tighten control over fuel spending. But if your business consistently fuels up at one brand, a brand-specific card, like the Shell Small Business Card, might offer deeper per-gallon savings.

Here’s what we think the best cards are in more detail:

1. Ramp Business Credit Card

Best for businesses that need centralized fuel controls and clean accounting integration: The Ramp Business Credit Card offers comprehensive fuel and business expense tracking tools for operating fleets. With features like customizable fleet controls and automated receipt matching, it simplifies tracking and managing fuel purchases. Businesses can save an average of 5¢ per gallon and access detailed reports by truck, driver, or date, ensuring precise tracking of fuel costs.

Accepted anywhere Visa is accepted, the Ramp Business Credit Card requires no foreign transaction fees and is available to businesses with $25,000 in a U.S. business bank account.

Why it wins for control and tracking: Ramp’s corporate card solves the biggest pain point for fleet operators: knowing exactly what's being purchased and by whom. You can restrict cards to fuel-only purchases, get real-time alerts for policy violations, and automatically match receipts to transactions.

Key features:

• Saves an average of 5¢ per gallon on fuel purchases
• Allows you to restrict card use to fuel-only transactions
• Matches fuel receipts to transactions automatically
• Sends real-time alerts for any out-of-policy spending
• Tracks fuel costs by truck, driver, or date for better reporting
• Supports odometer and VIN tracking for fleet oversight
• No annual fee, no foreign transaction fees, and no interest charges
• Works anywhere Visa is accepted

Ideal business profile: 3+ vehicles or regular employee fuel purchases, monthly fuel spend $1,000+, established business with healthy bank balance, values control over maximum rewards

Cons: Not available for sole proprietors, requires $25,000 business bank balance

2. Costco Anywhere Visa Business Card by Citi

Best for Costco members maximizing fuel rewards: The Costco Anywhere Visa Business Card by Citi is a practical choice for businesses that frequently purchase gas and are Costco members.

While there’s no annual fee for cardholders with a Costco membership, rewards are issued once a year as a rewards certificate, redeemable only at Costco. This limitation may not suit businesses seeking frequent redemption options. The card requires a good to excellent credit score for approval.

Why it wins for rewards: The 4% cashback rate is the highest available for gas purchases. For Costco members already paying annual fees, this card maximizes return on fuel spending while providing worldwide acceptance.

Key features:

• Earns 4% cashback on gas and EV charging purchases worldwide, up to $7,000 per year, then 1% after the cap
• Offers 3% cashback on restaurant and travel purchases
• Provides 2% cashback on purchases at Costco warehouses and Costco.com
• Earns 1% cashback on all other eligible purchases
• Rewards are issued annually as a certificate redeemable only at Costco
• No annual fee with a paid Costco membership
• Requires good to excellent credit for approval

Ideal business profile: Current Costco members, international operations or travel, high fuel spending ($2,000+ monthly), values maximum percentage return

Cons: Rewards are redeemable only once a year, requires a Costco membership, rewards only usable at Costco

3. U.S. Bank Business Triple Cash Rewards Visa Business Credit Card

Best for diversified business spending, including fuel: The U.S. Bank Business Triple Cash Rewards World Elite Mastercard works well if your business spends heavily on core operational categories like fuel, office supplies, and cell phone services. It’s a strong pick for maximizing cashback without overcomplicating rewards tracking.

Additionally, the card offers a 0% introductory APR on purchases and balance transfers for the first 12 billing cycles. While its rewards structure is appealing, the elevated cashback categories might not suit businesses with more generalized spending needs after the intro APR period ends.

Why it wins for rewards: This card turns multiple business expenses into profit centers. The 3% rate on gas, office supplies, and dining means you're earning on most business spending, not just fuel.

Key features:

• Earns 3% cashback on gas, EV charging (up to $200 per transaction), office supplies, cell phone services, and dining
• Offers 5% cashback on prepaid hotel and car rentals booked through the U.S. Bank Travel Rewards Center
• Provides 1% cashback on all other eligible purchases
• Includes a $100 annual credit for software subscriptions like QuickBooks and FreshBooks
• Rewards never expire as long as your account stays open
• No cap on total cashback earned

Ideal business profile: Mixed business expenses beyond just fuel, good credit and established business, values simplicity in rewards structure, moderate fuel spending ($500-2,000 monthly)

Cons: Foreign transaction fees apply, bonus categories may not suit all businesses

4. Bank of America Business Advantage Customized Cash Rewards Credit Card

Best for businesses with shifting or seasonal spending: The Bank of America Business Advantage card lets businesses customize how they earn cashback. You can choose your highest-earning category based on where you spend the most, making it a good option if your expenses shift throughout the year.

Why it wins for flexibility: The ability to change your highest-earning category makes this ideal for seasonal businesses or companies testing different reward strategies.

Key features:

• Earns 3% cash back in a category of your choice, including gas stations, EV charging stations, office supply stores, travel, and more
• Provides 2% cash back on dining purchases
• Offers 1% cash back on all other purchases
• 3% and 2% cash back rates apply to the first $50,000 each calendar year, then 1% thereafter
• Introductory 0% APR on purchases for the first 9 billing cycles
• $300 online statement credit after spending $3,000 in the first 90 days
• Preferred Rewards for Business members can earn 25%–75% more cash back on every purchase

Ideal business profile: Seasonal expense patterns, testing optimal reward categories, Bank of America relationship, values customization over specialized features

Cons: Cashback rewards have spending caps, shorter 0% APR period, benefits may be tied to a Bank of America account

5. Chase Ink Business Cash Credit Card

Best for office-focused businesses that also need gas rewards: The Chase Ink Business Cash Credit Card is a good choice for businesses that spend heavily on office supplies and utilities. It offers 5% cashback on the first $25,000 spent annually at office supply stores and on internet, cable, and phone services.

Additionally, cardholders earn 2% cashback on gas station and dining purchases, also capped at $25,000 annually, and 1% cashback on all other purchases. This card is a strong option if your business consistently spends on office supplies, utilities, and gas.

Why it wins for simplifying operations: If your business splits spending between office and field operations, this card's categories align perfectly. The 2% gas rate combined with 5% office supplies creates a simple, high-value rewards structure.

Key features:

• 5% cashback on office supply stores and internet, cable, and phone services (up to $25,000 per year)
• 2% cashback on gas stations and restaurants (up to $25,000 per year)
• 1% cashback on all other purchases with no cap
• $750 welcome bonus: $350 after spending $3,000, plus $400 after spending $6,000 in the first 6 months
• 0% intro APR on purchases for 12 months
• Free employee cards with customizable limits
• Cashback earned as Chase Ultimate Rewards® points

Ideal business profile: Mixed office and field operations, heavy office supply spending, established business credit, values category simplicity

Cons: Bonus cash back categories are capped at $25,000 in combined purchases per account anniversary year, a foreign transaction fee of 3% is charged on purchases made outside the U.S., 10% Business Relationship Bonus is only available if you have a Chase Business Checking account on your first card anniversary

6. Shell Small Business Card

Best for savings at Shell and basic fleet oversight: The Shell Small Business Card is a practical option for companies that rely on Shell stations for fuel. It’s built for companies with regular or high-volume fuel needs and offers straightforward per-gallon savings. Businesses can also track and manage fuel expenses with detailed reports and set spending limits for employees through online account management tools.

While the card has no annual fee, its fuel savings are limited to Shell stations, which may not suit businesses with diverse fueling needs. Additionally, the highest savings rate is only accessible to businesses with substantial fuel usage.

Why it wins for high savings: If your routes consistently pass Shell stations, this card offers the highest per-gallon savings available. The 6¢ discount for 5,000+ gallon users can save serious money for fleet operations.

Key features:

• Saves up to 6¢ per gallon on Shell fuel when purchasing 5,000+ gallons per billing cycle
• Offers 3¢ per gallon savings on smaller fuel volumes
• Offers 15% discount at participating Jiffy Lube® locations
• Accepted at over 12,000 Shell and participating Jiffy Lube locations
• No minimum purchase required to earn discounts
• Includes roadside assistance through National Automobile Club (NAC)
• Allows businesses to set spending credit limits for employee cards

Ideal business profile: Predictable routes near Shell stations, high fuel volume (ideally 1,000+ gallons monthly), good business credit, values maximum savings over flexibility

Cons: Fuel discounts limited to Shell stations, higher savings require large fuel purchases

7. Marriott Bonvoy Business American Express Card

Best for travel-heavy teams loyal to Marriott: The Bonvoy Business card is ideal for businesses that spend on travel and want to earn hotel rewards instead of cashback. If you stay at Marriott properties often, it offers solid long-term value through points and perks.

This includes 4X points at U.S. gas stations, 6X points at participating Marriott Bonvoy hotels and 4X points on dining, wireless services, and shipping, and more. While the card delivers significant value through travel perks, its $125 annual fee and points-based rewards may not suit businesses looking for more straightforward cashback options.

Why it wins for travel: For businesses where travel represents significant spending, this card's hotel benefits and elite status provide high value.

Key features:

• Earns 6X Marriott Bonvoy points at participating Marriott Bonvoy hotels
• Earns 4X points at U.S. gas stations, restaurants, wireless services, and shipping providers
• Earns 2X points on all other eligible purchases
• Offers 75,000 bonus points after spending $3,000 in the first 3 months
• Includes an annual Free Night Award (valued up to 35,000 points)
• Comes with 15 Elite Night Credits per calendar year toward Marriott status.
• Complimentary Marriott Bonvoy Gold Elite status

Ideal business profile: Regular Marriott stays, travel-heavy operations, values hotel perks over cash, can justify annual fee through travel benefits

Cons: Low earnings on non-Marriott purchases, limited utility for non-Marriott stays, modest annual fee

8. WEX Fleet FlexCard

Best for dedicated fleet operators who want gas card controls: The WEX Fleet FlexCard is a robust tool for businesses managing fuel expenses across fleets. It offers fuel discounts ranging from 1¢ to 5¢ per gallon, depending on the fuel provider. Accepted at over 95% of U.S. gas stations, it provides detailed tracking and reporting tools to monitor fuel usage, spending, and employee card activity.

The card’s flexible payment terms allow businesses to choose between pay-in-full and extended payment options (with additional fees for extended terms). However, the discount rate varies by fuel provider, and businesses must evaluate the savings against potential administrative costs.

Why it wins for credit building: This card helps new businesses operate professionally without personal credit risk. The widespread acceptance and business credit reporting help establish legitimacy and creditworthiness.

Key features:

• Accepted at over 95% of U.S. gas stations, including major chains like BP, Exxon, and Shell
• Earns a 3¢ per gallon rebate for the first 180 days; rebate rates may vary thereafter
• Customizable spending controls: Set limits by product type, location, dollar amount, and time of day
• Driver ID and odometer readings required at the pump for added security
• Choose between paying in full or carrying a balance
• No setup, annual, or card fees for the FlexCard
• 24/7 U.S.-based customer support available for assistance

Ideal business profile: New businesses (under 2 years), credit challenges or want to avoid personal guarantees, need wide gas station acceptance, fleet operations requiring detailed controls

Cons: Discount rate depends on the fuel provider, extended payment terms incur additional fees

Quick decision framework: Which gas card should you choose?

If you have 5+ vehicles, choose: Ramp Business Credit Card or WEX Fleet FlexCard. You’ll need operational controls more than maximum rewards.

If you're a new business, choose: Ramp Business Credit Card or WEX Fleet FlexCard. No personal credit check is needed and builds business credit.

If you want maximum cash back, choose: Costco Anywhere (4%) or U.S. Bank Triple Cash (3%) They have the highest percentage returns on fuel spending.

If you have mixed business expenses, choose: U.S. Bank Triple Cash or Chase Ink Cash They both have multiple high-reward categories beyond just gas.

If you use one gas brand consistently, choose: Shell Small Business Card. Shell has the highest per-gallon discount available.

How to start applying for a business gas card

Once you’ve figured out what kind of gas card fits your business—based on how you fuel, what kind of oversight you need, and how you want to manage costs—the next step is applying. Most business gas cards are straightforward to apply for, and some offer instant approval if you meet the criteria.

Here’s what the process typically looks like:

• Eligibility check: Most cards require a valid EIN and business information, and many also require a personal credit check and/or personal guarantee—especially for new businesses. Some cards, particularly those with no personal guarantee, may instead review your business’s financials, such as bank balances or revenue.
• Online application: When applying for a business credit card, you’ll be asked to provide basic business information, including your EIN, legal business name, contact details, and bank account. Some cards may also require information about ownership or entity structure.
• Approval and setup: If approved, you’ll receive your card in the mail. Activation is usually handled online or via phone. You can then set up spending controls, employee cards, or accounting integrations depending on the provider.
• Start using your card: Once active, begin fueling and tracking expenses. Most gas and fleet cards offer tools for real-time monitoring, receipt capture, and fuel-only spend controls—especially useful if you manage multiple vehicles or employees.

Can you use a business card for personal gas purchases?

While using a business card for personal gas purchases isn't illegal, mixing business and personal expenses significantly complicates bookkeeping and tax preparation. For the cleanest financial records, restrict business card usage to legitimate business fuel purchases—this simplifies expense tracking and maximizes your tax deductions.

Are there any easy-approval business gas cards available?

Yes—some types of business gas cards, such as prepaid cards or select fintech-backed options, are easier to qualify for and may not require a personal credit check. However, most traditional business gas cards do require a credit check and/or personal guarantee.

Here’s a breakdown of the most common types of easy-approval business gas cards, and how to tell which one fits your needs:

1. Prepaid fuel cards

Prepaid gas cards don’t require a credit check because you load funds onto the card in advance. They’re a simple way to manage fuel spend if your business is new, has limited credit history, or wants to avoid debt entirely. That said, prepaid cards usually don’t offer rewards or credit-building benefits, and some have limited acceptance depending on the gas station network.

Best for: Businesses that want basic spend control but don’t need to build credit.

2. Secured business credit cards

Secured cards require a cash deposit upfront and are typically used to build or rebuild credit. While not all are fuel-specific, some secured business credit cards offer modest cashback on gas purchases. These cards are better suited for long-term credit growth than short-term savings or fleet-wide fuel management.

Best for: Businesses with moderate fuel needs that want to build business credit over time.

3. Business charge cards with alternative approval

Some business gas cards use alternative underwriting. Instead of relying on personal credit, they evaluate business financials like bank balance, cash flow, or revenue. These cards work well if you have strong business activity but limited credit history.

One example is the Ramp Business Credit Card. It doesn’t require a personal guarantee or credit score check. To qualify, you’ll need a U.S. business bank account with at least $25,000 in available funds and a valid EIN. Applications are fast, and many users receive instant approval.

Wrap-up: Common questions about business gas credit cards

Should I get a general business card or gas-specific card? It depends on your fuel spending. If fuel represents more than 30% of monthly expenses, choose a gas-specific card for better controls and discounts. For mixed spending, general business cards with gas categories work better.

Do business gas cards help build business credit? Most do. Cards from major issuers (Chase, Bank of America, Citi) report to business credit bureaus. Fleet-specific cards like WEX and Ramp also report business payment history. Avoid prepaid cards if credit building is important.

What's the best business gas credit card for small fleets? Ramp Business Credit Card offers the best combination of control features and savings for fleets with 3-20 vehicles. You get fuel-only restrictions, real-time alerts, and average savings of 5¢ per gallon.

Can I get a business gas card with bad credit? Yes. The Ramp Business Credit Card and WEX Fleet FlexCard require no personal credit check and are approved based on business information only. Alternatively, secured business credit cards help build credit while providing basic rewards.

Can I restrict employee cards to fuel-only purchases? Yes. Cards like Ramp, Shell, and WEX offer purchase restrictions by category, merchant type, or specific locations. This prevents misuse and ensures cards are used only for intended expenses.

Do business gas cards work internationally? Most major cards do. Visa and Mastercard business cards work worldwide, though foreign transaction fees may apply. Check specific terms before international travel.

How quickly can I get approved for a business gas card? Same day to 1 week. Online applications often provide instant approval for qualified applicants. Specialized fleet cards may take longer due to additional verification requirements.

Cut fuel costs and take control with the right business gas card

Most businesses don’t overspend on gas because they’re fueling too often. They overspend because:

• They lack visibility into who’s buying what, where, and when
• They can’t enforce policies or set limits in real time
• Reconciling receipts is messy and time-consuming
• They’re using a rewards card built for consumers, not companies

These aren’t credit card problems—they’re operational ones. And the right gas card should solve them.

That’s why Ramp designed its Business Credit Card around control, not just cashback. With tools like fuel-only spend controls, real-time alerts, receipt matching, and automated reporting, Ramp helps finance teams take back control without adding admin work.

There are plenty of cards that reward you for spending. Ramp helps you spend less in the first place—and know exactly where every dollar went.

Get started with a Ramp Business Credit Card.

*Information about each card has not been confirmed by the providers mentioned. Details may change as providers update their terms and conditions.