- Should you get a gas card for your business?
- 4 questions to ask yourself before choosing a business gas card
- 8 of the best business gas cards
- How to start applying for a business gas card
- Are there any easy-approval business gas cards available?
- Cut fuel costs and take control with the right business gas card
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.
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.
Should you get a gas card for your business?
If your business depends on driving—whether it’s making deliveries, managing a fleet, or just covering regional sales travel—a gas card can help you manage fuel expenses more efficiently.
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 by date, location, or vehicle
- Cut down on manual receipt tracking
- Simplify how fuel costs are allocated across departments or client accounts
- Offer discounts or cashback at specific stations, or are accepted nationwide—useful if your team travels across regions
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.
4 questions to ask yourself before choosing a business gas card
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:
1. How does your team use fuel day to day?
Start with your fuel patterns. If you manage a fleet or have multiple employees on the road, you may need more than points—you’ll want visibility, card-level controls, and protection against misuse.
Brand-specific cards can offer good discounts, but only if your team regularly fills up at the same stations. If fuel is just one of many expenses, a more general business credit card for gas might give you more value across all categories.
2. Do you need controls or just rewards?
Some business gas cards are built for oversight, with features like fuel-only limits, driver tracking, and alerts for unusual activity. Others prioritize cashback or points, but may offer less control. Think about what matters more for your business: reducing off-policy spend and simplifying reconciliation, or earning rewards on everyday purchases.
3. Do you care more about operational tools than rewards?
For many businesses, the best business fuel credit cards aren’t the ones with the biggest points—they’re the ones that help teams spend responsibly. Tools like receipt capture, automated categorization, and built-in reporting often make a bigger impact than rewards when it comes to reducing admin work or spotting overspend.
4. What does approval look like for your business?
Some cards require excellent personal credit and a personal guarantee. Others—like charge cards or fintech-backed business fuel cards—base approval on revenue or business bank balances instead. If you’re looking for easy-approval gas cards or want to apply using your EIN only, focus on providers that don’t rely solely on your personal credit score.
8 of the best business gas 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:
Ramp Business Credit Card
- Advanced tracking and management tools for fuel expenses
- No fees or interest charges
- Savings on fuel purchases
- Not available to sole proprietors or unincorporated businesses
About this card
Best for businesses that need centralized fuel controls and clean accounting integration: The Ramp Business Credit Card offers comprehensive fuel expense management tools for businesses 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.
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
Costco Anywhere Visa Business Card by Citi
- High cashback rate on gas purchases
- No annual fee with a Costco membership
- Includes dining and travel rewards
- Rewards are redeemable only once a year
- Requires a Costco membership
About this card
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.
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
U.S. Bank Business Triple Cash Rewards Visa Business Credit Card
- High cashback potential on qualifying purchases
- No annual fee
- Statement credit for software subscriptions
- Foreign transaction fees apply
- Bonus categories may not suit all businesses
About this 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.
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
Bank of America Business Advantage Customized Cash Rewards Credit Card
- Customizable cashback categories
- No annual fee
- 0% intro APR on purchases
- Cashback rewards have spending caps
- Shorter 0% APR period
- Benefits may be tied to a Bank of America account
About this 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.
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
Chase Ink Business Cash Credit Card
- If you spend a lot on office supplies or on internet, phone and cable services, this card caters to that
- Cardholders are automatically checked for a credit line increase every 6 months or sooner
- The card offers 5% cash back on Lyft rides through March 2025
- Earn 1% cash back on all other purchases with no limit
- 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.
- Cash back rewards are limited to 1% on all purchases outside the bonus categories
- 10% Business Relationship Bonus is only available if you have a Chase Business Checking account on your first card anniversary
About this 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.
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
Shell Small Business Card
- No annual fee
- Flexible fuel savings structure
- Detailed fuel tracking and management tools
- Fuel discounts limited to Shell stations
- Higher savings require large fuel purchases
About this 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.
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
Marriott Bonvoy Business American Express Card
- Elite status boost to Marriott Gold
- Annual Free Night Award
- Earn 4x points at Marriott and 2x points on travel booked through Amex
- Low earnings on non-Marriott purchases
- Limited utility for non-Marriott stays
- Modest annual fee
About this 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.
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
WEX Fleet FlexCard
- Broad acceptance at U.S. gas stations
- Supports business credit building
- Flexible payment options
- Discount rate depends on the fuel provider
- Extended payment terms incur additional fees
About this card
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.
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
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.
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.
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.
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