The 10 best gas credit cards for businesses in 2023

Gas business credit cards are specifically designed for businesses that frequently spend on fuel expenses. These cards offer expense management features and rewards that can be beneficial whether your business has just a few vehicles or a large fleet.

‍

In this guide, we’ll list the 10 best gas cards to help you manage fuel expenses and earn rewards on gas.

‍Should I get a gas card for my business?

You can always use your primary business credit card for gas, but you might want to consider a gas card to start earning rewards on fuel.

A fuel card can help your small business track gas expenses with reports customized by driver, truck, date, and other fields 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.

Another option is gas debit cards, which are debit cards only used for purchasing gas. However, these cards won't come with the rewards of gas credit cards.

10 best gas credit card options for businesses

We’ve narrowed down our selections to the 10 best gas credit cards to consider for your company’s fuel purchases.

Here are the best gas cards to choose from based on their total rewards, APR rates, and low annual fees:

1. Ramp

Annual fee: $0

Intro APR: N/A

Regular APR: N/A

Credit score needed: Good to Excellent 

‍

‍The Ramp Business Card offers 1.5% universal rewards on all purchases, including gas and EV charging. Our fleet cards come with spend controls and customizable expense reporting, so you can control where and how much your employees spend on gas while tracking the purchase details that matter to you in real-time. You can add new employees to your account at any time with unlimited free virtual or physical cards.

If your business would benefit from custom fleet controls, while allowing the freedom to save on all purchases, consider a Ramp card to save up to $300 for every 100,000 miles driven.

‍

Pros:

No annual fees or foreign transaction fees

Unlimited 1.5% cashback rewards

Easily track, control, and manage expenses 

Intuitive accounting integrations

‍

Keep in mind:

Full balance due each month

‍

2. Capital One Spark Cash Plus Business Card

Annual fee: $150

Intro APR: N/A

Regular APR: N/A

Credit score needed: Excellent

‍

The Capital One Spark Cash Plus card offers 2% cashback on all purchases, including gas. However, it does come with an annual fee of $150, so you’ll want to make sure your spending justifies the price. As a charge card rather than a traditional credit card, it has no annual interest rate, and payments must be made in full each month.

‍

Businesses using this card can have the spending limits adjusted as they go based on their overall credit profile and payment history. Other benefits include unlimited 5% cashback on rental cars and lodging when booked through Capital One Travel, and the ability to easily add employee cards with no additional costs.

‍

‍

‍

Pros:

Unlimited cashback rewards

Easy to add employee cards at no additional cost

$1,200 welcome bonus if you spend $30,000 in the first 3 months

‍

Cons:

Annual fee

Full balance due each month 

‍

3. Costco Anywhere Visa Business Card by Citi

Annual fee: $0

Intro APR: N/A

Regular APR: 20.49% (variable)

Credit score needed: Good to Excellent 

‍

For small businesses that already rely on their Costco memberships to purchase supplies in bulk, the Costco Anywhere Visa Business Card by Citi may potentially be a good fit. The card has no annual fees or charge fees on foreign transactions while offering rewards across categories, including 2% cashback on Costco purchases, 3% back on travel and dining, and 4% on fuel and EV charging from most gas stations. Your business will also receive an annual credit card certificate that can be exchanged for either cash or merchandise from Costco.

‍

You’ll need to have a Costco membership to take advantage of the 2% cashback on purchases at Costco stores, which is not included when you sign up for the card. There are also strict spending caps on fuel rewards, with the 4% cashback being downgraded to 1% after spending $7,000 each year. Costco doesn’t offer an introductory APR rate, so you’ll start with an ordinary variable interest rate of 20.49%. 

‍

Pros:

No annual fee

No foreign transaction fees

High rewards rate on travel and fuel expenses

‍

Cons:

Spending cap on fuel rewards

Costco membership not included

No intro APR or welcome bonus

‍

4. Shell Small Business Card

Annual fee: $0

Intro APR: N/A

Regular APR: 23% - 26% (variable)

Credit score needed: Fair to Good

‍

For business owners looking to integrate a fuel or fleet business card with no personal guarantee, the Shell Small Business Card is an option. The card comes with no annual fees and allows businesses to cash in on a fuel rebate of up to 6 cents per gallon, in addition to discounts at eligible Jiffy Lube locations. It also lends a hand to the expense management process by providing access to online account management and spend control tools. 

‍

However, businesses should keep in mind that the card offers very few rewards beyond its fuel rebate, and will only be accepted for purchases at Shell gas stations and eligible Jiffy Lube locations. Moreover, fuel savings come with a strict cap of $300 per billing cycle, and the card’s variable interest rate sits on the higher end of the spectrum at 23% to 26% APR. 

‍

Pros:

No annual fee

No personal guarantee

Online account management tools

‍

Cons:

Cap on fuel savings

Purchases/rewards limited to Shell Stations and Jiffy Lube

‍

5. U.S. Bank Business Triple Cash Rewards World Elite Mastercard

Annual fee: $0

Intro APR: 0% on purchases and balance transfers for first 15 billing cycles

Regular APR: 19.24% to 28.24% (variable)

Credit score needed: Good to excellent

‍

U.S. Bank’s Business Triple Cash Rewards World Elite Mastercard provides unlimited 3% cashback on fuel purchases, 5% cashback on hotels and car rentals when booked in their Travel Rewards Center, and 1% cashback on all other eligible purchases.

‍

This business credit card has no annual fees and some welcome perks, including a $500 reward for spending $4,500 within the first 150 days of account opening, and a 0% introductory APR on both purchases and balance transfers. The introductory APR will remain in effect for the first 15 billing cycles, after which it will switch to a variable interest rate of 19.24% to 28.24%.

‍

On the downside, U.S. bank does charge up to a 3% fee on balance transfers or a minimum $5 fee (whichever is greater), in addition to another 3% fee on foreign transactions. These fees can add up considerably over time, particularly for businesses traveling out of the country on a regular basis.

‍

Pros:

No annual fee

High rewards rate

Generous welcome bonus/intro APR

‍

Cons:

Foreign transaction fees

Balance transfer fees

‍

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

‍Annual fee: $0

Intro APR: 0% on purchases for first 9 billing cycles

Regular APR: 18.49% to 28.49% (variable)

Credit score needed: Excellent

‍

Those already doing business with Bank of America may find an option in the Bank of America Business Advantage Customized Cash Rewards Credit Card. In addition to charging no annual fee, businesses can earn 3% cashback on the category of their choice (including gas purchases), 2% cashback on dining, and 1% cashback on all other purchases. 

‍

The card also features a modest welcome bonus of $300 after spending $3,000 in the first 90 days, as well as a 0% intro APR on purchases for the first 9 billing cycles, after which a variable interest rate of 18.49% to 28.49% will be applied. Separately, businesses that already have a business checking account with BofA, and that qualify for the bank’s Business Tier Preferred Rewards Program have a chance to boost their rewards by as much as 75%, which includes an upgrade to 5.25% cashback on their selected category. 

‍

However, there are some drawbacks worth mentioning, such as a 3% fee on foreign transactions, as well as a spending cap on rewards that kicks in after spending $50,000 each year, reducing cashback rewards to 1% on all purchases. Additionally, some may find the card’s overall rewards structure to be slightly complicated, and customization may prove challenging for businesses with constantly shifting spending habits, or that tend to have an equal distribution of expenses across categories. 

‍

Pros:

No annual fee

High rewards rate

Generous intro APR

‍

Cons:

Foreign transaction fees

Complicated rewards structure

Spending caps on rewards

‍

7. Ink Business Cash Credit Card

Annual fee: $0

Intro APR: 0% on purchases for first 12 months 

Regular APR: 18.49%–24.49%

Credit score needed: Good to Excellent

‍

The Ink Business Cash Credit Card from Chase offers 2% cashback on gas and dining and 5% cash back on on purchases at office supply stores and on internet, cable and phone services, capped after $25,000 of spending every account anniversary year. It also comes with a $750 welcome bonus after spending $6,000 within the first 3 months. Cards start with an introductory 0% APR rate that switches to a variable rate of 18.49%–24.49% after 12 months.

‍

‍

Despite the above benefits, Chase’s card may not be the best for businesses that spend considerably more on gas than they do on office supplies or internet bills, as it will be difficult to make the most of their top rewards category. Moreover, the card has a spending cap on rewards that kicks in relatively quickly after account holders spend $25,000 each year, and its 3% fee on foreign transactions makes it a less-than-ideal option for businesses who frequently travel outside of the country. 

‍

Pros:

No annual fee

Generous intro APR/welcome bonus

High rewards rate on business categories

‍

Cons:

Modest rewards rate on gas purchases

Spending cap on rewards

Foreign transaction fee

‍

8. Marriott Bonvoy Business American Express Card

Annual fee: $150

Intro APR: N/A

Regular APR: 20.99% - 26.99% (variable)

Credit score needed: Good to Excellent 

‍

The Marriott Bonvoy Business American Express card is an option for businesses that have both high fuel costs and busy travel schedules. The card’s points-based rewards program allows account holders to build toward discounted hotel stays at more than 7,000 Marriott properties around the world, while reserving the right to easily transfer points to be redeemed toward air travel with dozens of airline partners. Hotel bookings with participating locations will yield 5 points per $1 spent, while 3 points per $1 can be earned on U.S. gas purchases, dining and travel. The card also comes with a welcome bonus of 50,000 points after spending $1,500 or more within the first 3 months. 

‍

The card comes with an annual fee of $150 and doesn’t feature an introductory 0% APR offering like many similar cards. This card is unlikely to be the best option unless your business regularly frequents Marriot brand hotels.

‍

Pros:

High rewards rate

Anniversary perks

Elite status 

Generous welcome bonus

‍

Cons:

Annual fee

No cashback rewards

‍

9. CitiBusiness / AAdvantage Platinum Select World Elite Mastercard

Annual fee: $99

Intro APR: N/A

Regular APR: 21.24% – 29.99%

Credit score needed: Excellent

‍

For businesses looking to convert their gas spending into airline miles and other American Airlines travel perks, the CitiBusiness / AAdvantage Platinum Select World Elite Mastercard has a fair amount to offer. For every $1 spent at U.S. gas stations, account holders will earn 2X AAdvantage miles, in addition to 2X miles for purchases with American Airlines, U.S. phone and cable providers, and rental car merchants, as well as 1X miles on all other eligible purchases. 

‍

The card also comes with a welcome bonus of 65,000 bonus miles after spending $4,000 in the first four months. Other perks include preferred boarding, one free checked bag, no foreign transaction fees, and one companion certificate per calendar year, which allows for one eligible flight to be purchased at a fixed price of $99 plus tax. 

‍

As for the cons, the card’s rewards program is relatively inflexible, with no opportunity to earn cashback on fuel purchases or to transfer points to other categories, making it a tough sell for businesses with minimal flight schedules.

‍

Pros:

High rewards rate and travel perks

Welcome bonus + annual companion certificate

‍

Cons: 

Annual fee

No cashback rewards 

Which business gas card is the easiest to get?

The easiest business gas credit cards to get are secured credit cards, which have lower credit score requirements. However, secured credit cards require that you put down a minimum deposit when you apply, which will act 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 1.5% 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 like 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 1.5% universal cashback rewards while allowing you to customize spending and vendor limits for your employees. 

‍

The Ramp business card helps you manage travel spend with the following features:

‍

• Unlimited 1.5% cashback on all purchases, including gas
• Customizable spend and vendor controls
• Intuitive accounting integrations
• ‍Enhanced visibility and spending insights

‍

Learn more about Ramp's business cards here.