The 8 best gas credit cards for business of February 2025

The right business gas credit card can not only streamline fuel purchases but also offer valuable rewards and perks, plus expense management features like reports on gas spending. This guide highlights the top contenders for the best business gas credit cards, helping you choose the ideal card to maximize your savings, earn gas rewards and get fuel discounts.

Best business gas cards

Here’s a summary of the best gas cards for businesses to choose from based on their total rewards, spend management features, interest rates, and low annual fees:‍

• Ramp Business Credit Card: Best for an average savings of 5 cents per gallon with custom spending controls and automated expense reports.
• Costco Anywhere Visa Business Card: Best for Costco members with 4% cashback on gas for the first year and 1% cashback thereafter.
• U.S. Bank Business Triple Cash Rewards Card: Best gas cash back card, with 3% cashback on gas and 5% on hotels and 0% intro AP.
• Bank of America Business Advantage Cash Rewards Card: Best for customized cashback by rewards category with potential 3% cashback on gas stations and EV charging.
• Chase Ink Business Cash Credit Card: Best for Chase Ultimate Rewards earners with 2% on gas stations for the first year and 1% thereafter.
• Shell Small Business Card: Best for savings of up to 25 cents per gallon at Shell gas stations with additional rebates on fuel and discounts at Jiffy Lube.
• Marriott Bonvoy Business American Express Card: Best for Marriott customers with 4 Marriott Bonvoy points for every dollar spent on gas at eligible U.S. gas stations.‍
• WEX Fleet Fleetcard: Best for a fleet fuel card with a large network of gas stations and an average savings of 1 to 5 cents per gallon of gas.

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The Ramp Business Credit Card is one of the best business gas cards requiring EIN only. It offers comprehensive fuel expense management tools for businesses wanting to optimize gas spend or 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.

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Ramp also supports odometer and VIN tracking, real-time alerts for out-of-policy transactions, and the ability to restrict card use to fuel purchases only. 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.

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Key features:

• Save an average of 5¢ per gallon on gas
• Automated receipt matching for fuel purchases
• Custom reports for tracking fuel spend by truck, driver, or date
• Customizable fleet controls and real-time alerts
• Supports odometer and VIN tracking

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Costco is an oft-overlooked source for credit cards with gas perks, but its Costco Anywhere Visa Business Card by Citi is a practical choice for businesses that frequently purchase gas and are Costco members. It offers 4% cashback on eligible gas and EV charging purchases worldwide, up to $7,000 per year, then 1%. Additionally, it provides 3% cashback on dining and travel, 2% cashback at Costco and Costco.com, and 1% on all other purchases.

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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.

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Key features:

• 4% cashback on gas and EV charging purchases (up to $7,000 per year; 1% thereafter)
• 3% cashback on dining and travel
• 2% cashback at Costco and Costco.com
• 1% cashback on all other purchases
• Annual rewards redeemable as a Costco rewards certificate

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The U.S. Bank Business Triple Cash Rewards World Elite Mastercard is one of the best cash back gas credit cards. It's a versatile option for businesses looking to maximize cashback in several key categories. Cardholders earn 3% cashback on gas stations, EV charging, office supplies, and cell phone services, along with 5% cashback on prepaid hotel and car rental bookings through the U.S. Bank Travel Rewards Center. A $100 annual credit for eligible SaaS subscriptions further enhances the card’s value.

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Additionally, the card offers a 0% introductory APR on purchases and balance transfers for the first 15 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.

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Key features:

• 3% cashback on gas, EV charging, office supplies, and cell phone services
• 5% cashback on prepaid hotel and car rental bookings via U.S. Bank Travel Rewards Center
• 1% cashback on all other purchases
• $100 annual SaaS subscription credit
• 0% intro APR on purchases and balance transfers for 15 billing cycles

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The Bank of America Business Advantage Customized Cash Rewards Credit Card is an excellent choice for businesses seeking flexibility in rewards. It offers 3% cashback on a category of your choice, such as gas stations, office supplies, or travel, and 2% cashback on dining and wholesale club purchases. The 3% and 2% rates apply to the first $50,000 in combined purchases annually, then drop to 1%.

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Cardholders also benefit from a 0% introductory APR on purchases for the first nine billing cycles. Preferred Rewards for Business members can receive an additional 25%–75% rewards bonus, making it especially valuable for loyal Bank of America customers.

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Key features:

• 3% cashback on a chosen category (gas, office supplies, travel, etc.)
• 2% cashback on dining and wholesale clubs
• 1% cashback on all other purchases
• 0% intro APR on purchases for 9 billing cycles
• Additional rewards bonus for Preferred Rewards members

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The Chase Ink Business Cash Credit Card is ideal 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.

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The card includes a $750 welcome bonus after spending $6,000 in the first six months and a 0% introductory APR for 12 months on purchases. While the rewards categories are generous, the spending caps may limit earning potential for businesses with higher expenditures in these areas.

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Key features:

• 5% cashback on office supply stores, internet, cable, and phone services (up to $25,000 annually)
• 2% cashback on gas stations and dining (up to $25,000 annually)
• 1% cashback on all other purchases
• $750 bonus after spending $6,000 in the first 6 months
• 0% intro APR for 12 months on purchases

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The Shell Small Business Card is a practical option for companies that rely on Shell stations for fuel. It offers savings of up to 6¢ per gallon on purchases of 5,000 gallons or more per billing cycle, and 3¢ per gallon for smaller purchases. Businesses can track and manage fuel expenses with detailed reports and set spending limits for employees through online account management tools.

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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.

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Key features:

• Up to 6¢ per gallon savings for purchases of 5,000+ gallons per billing cycle
• No minimum purchase requirements for discounts
• Roadside assistance through National Automobile Club (NAC)
• Online tools for tracking and managing fuel expenses
• Employee spending controls

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The Marriott Bonvoy Business American Express Card is ideal for businesses that frequently spend on gas and travel. It offers 4X points at U.S. gas stations, in addition to 6X points at participating Marriott Bonvoy hotels and 4X points on dining, wireless services, and shipping. The card also provides a generous welcome bonus of 75,000 Marriott Bonvoy points after spending $3,000 in the first three months.

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While the card delivers significant value through travel perks such as complimentary Elite Night Credits and a Free Night Award, its $125 annual fee and points-based rewards may not suit businesses seeking more straightforward cashback options.

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Key features:

• 6X points at Marriott Bonvoy hotels
• 4X points on U.S. gas, dining, wireless services, and shipping
• 2X points on all other purchases
• 75,000 bonus points after spending $3,000 in the first 3 months
• Annual Free Night Award valued up to 35,000 points
• Complimentary 15 Elite Night Credits per year

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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 also supports customizable spending controls and alerts for enhanced expense management.

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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.

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Key features:

• Accepted at over 95% of U.S. gas stations
• Discounts ranging from 1¢ to 5¢ per gallon
• Detailed fuel tracking and management tools
• Customizable spending controls for employee cards
• Reports to Dun & Bradstreet for business credit building
• Flexible payment options: pay in full or extended payments

Summary of the best business gas cards

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How to get a gas card for business

To get a business gas card, start by researching card providers, comparing features like rewards and fees. Gas card applications can be found online. Gather necessary information such as your EIN and business bank statements, and submit a completed application.

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Once approved, carefully review the terms and conditions before accepting, then activate your card and use it for business fuel purchases.

Easy-approval gas credit cards

Some businesses consider purchasing prepaid fuel cards to avoid credit checks, but one option that can be pursued are business gas charge cards, like the Ramp Business Credit Card. Secured credit cards are also available for consideration.

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• With prepaid cards, you fund the card in advance, and monies are deducted directly from your account as fuel is purchased. Popular options include prepaid cards from major brands like Shell and Mastercard, as well as industry-specific cards. Prepaid fuel cards may have limitations on spending and rewards. 
• Some secured business credit cards aim to help cardholders strengthen their credit. Unfortunately, there are no specific "business gas cards" explicitly designed for rebuilding credit, but options like the Capital One Quicksilver Secured Cash Rewards Credit Card are available.
• Gas charge cards offer credit lines and often provide valuable rewards programs, such as cash back or travel perks. Some charge cards require credit checks, but the Ramp Business Credit Card is different. Ramp's underwriting process often prioritizes factors like business revenue, transaction history, and customer base. This can make it easier for businesses with limited credit histories to qualify. 

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Another upside of the Ramp Business Credit Card is that it is one of the few options on the market for a business gas card with no personal guarantee.

What is the easiest gas card to get with no credit check?

The Ramp Business Credit Card is the best easy approval gas credit card that only requires an EIN. There’s no credit check and all your business needs to qualify is at least $25,000 in a U.S. business bank account.

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What else you need to know

Are gas cards for business worth it?

Business gas cards can offer between 1 and 25 cents back on every gallon of gas, which results in significant yearly savings if your business needs to spend a lot on gas.

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For business owners who own fleets of five or more vehicles, a fleet card is also a good option. These cards can offer significant fuel discounts if you purchase at least 10,000 gallons of fuel per month. They also come with custom spending controls and reporting features.

Do gas cards build credit?

Yes, gas cards build business credit as long as the credit card issuer reports to at least one of the business credit bureaus—Dun & Bradstreet, Equifax, or Experian. Prepaid gas cards, like the Shell Refillable Card, don't report to credit bureaus and thus don’t help you build credit.

Fleet cards vs. gas cards

Fleet cards are tailored for businesses with multiple vehicles, offering features like cost control, detailed tracking, and per-gallon discounts. Gas cards are typically for individual consumers, often providing rewards or discounts at specific gas stations.

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» Learn more: What are fleet cards and how do they work?

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Ramp’s universally accepted business gas card with spend controls

Ramp’s fleet cards offer an average savings of 5% on business expenses including gas and come with custom spending controls.

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With Ramp you can:

• Set spending controls by amount, category, or vendor
• Get unlimited free physical and virtual employee cards
• Integrate with your business’s accounting tools
• Automate expense reports and get AI-powered spending insights

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Try a demo to see how Ramp can boost your business’s bottom line and help streamline your financial processes.