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The best business gas credit cards
There is no shortage of business credit card rewards to choose from. And when you spend your life on the road, finding the best gas card is a great way to save on what you buy the most. However, there are several factors to consider when searching for the right one, such as the APR and fees, as well as the available rewards structures.
Before you hit the road for your next business meeting, consider these picks for the best gas cards.
- Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases)
- Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases)
- Earn unlimited 1% on all other purchases.
- Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases)
- Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases)
- Earn unlimited 1% on all other purchases.
Bank of America lets you choose how you earn rewards with up to 3% cashback in your chosen category. Category options include not only gas but also online shopping, dining, travel, drug stores, home improvement, and furnishings. You also have the option to change your category choice each month in case your needs change. There is also a 0% introductory APR for the first 15 billing cycles with no annual fee to help you save even more. Plus, your rewards never expire.
Pros:
No annual fee
0% introductory APR
Rewards never expire
Cons:
Limited to $2,500 in rewards
Balance transfer fees apply
Foreign transaction fee
Bank of America Customized Cash Rewards
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
- 6% Cash Back on select U.S. streaming subscriptions
- 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
- 3% Cash Back at U.S. gas stations
- 1% Cash Back on other purchases
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
- 6% Cash Back on select U.S. streaming subscriptions
- 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
- 3% Cash Back at U.S. gas stations
- 1% Cash Back on other purchases
The Blue Cash Preferred Card from American Express is an excellent choice for everyday spending. Save with 3% cashback rewards for U.S. gas purchases, plus get extra savings on Amazon purchases. And it comes with an excellent introductory APR offer for purchases and balance transfers of 0% for your first year (18.49% - 29.49% variable there after)
Pros:
Highest rewards for groceries (6%)
Additional commuter rewards
Introductory 0% APR for 12 months
Cons:
Ongoing Annual fee
Spending caps on rewards
Foreign transaction fee
Blue Cash Preferred® Card from American Express
- 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
- 3% cash back on restaurants and eligible travel purchases
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
- 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
- 3% cash back on restaurants and eligible travel purchases
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
If you already shop at Costco, the Costco Anywhere Visa Business Card by Citi can give you extra rewards on the purchases you already make. There is 4% cashback on eligible gas and EV charging purchases that are generously capped at $7,000; after that, your rewards rate drops to 1% on further gas purchases. Plus, you receive 2% cashback on all purchases made either in Costco or via Costco.com.
Pros:
4% gas cashback
No annual fee
No foreign transaction fee
Cons:
Must be a Costco member
Only 2% on Costco purchases
No introductory offer
Costco Anywhere Visa® Business Card by Citi
- 5x Points on gas paid at the pump and EV charging stations
- 3x Points at the supermarket (including most Target and Walmart locations), restaurants, and TV, radio, cable, streaming services
- 1x Points on all other purchases
- 5x Points on gas paid at the pump and EV charging stations
- 3x Points at the supermarket (including most Target and Walmart locations), restaurants, and TV, radio, cable, streaming services
- 1x Points on all other purchases
The Pentagon Federal Credit Union offers one of the best gas credit cards, rewarding five points for every dollar you spend on gas and three points for every dollar spent on groceries, dining, cable, and streaming. There is no annual fee, nor any foreign transaction or cash advance fees, making it incredibly affordable. To apply for the card, you must be a Pentagon Federal Credit Union member, but membership is open to everyone.
Pros:
5x points for gas at the pump
Extra rewards for EV charging stations
Bonus introductory rewards
Cons:
Must be a member of PenFed
Points can be worth less than one cent
Five-year expiration for rewards
Platinum Rewards Visa Signature® Card
- 5% cash back on gas (on the first $6,000 per year, then 1% after)
- Plus members earn 3% back on eligible purchases when shopping in-club or digitally through Sam’s Club when they use their Sam’s Club Mastercard and another 2% back from their Plus membership, for a total of up to 5% rewards on eligible purchases.
- 3% cash back on dining and takeout
- 1% cash back on all other eligible purchases.
- 5% cash back on gas (on the first $6,000 per year, then 1% after)
- Plus members earn 3% back on eligible purchases when shopping in-club or digitally through Sam’s Club when they use their Sam’s Club Mastercard and another 2% back from their Plus membership, for a total of up to 5% rewards on eligible purchases.
- 3% cash back on dining and takeout
- 1% cash back on all other eligible purchases.
With the Sam's Club Mastercard, you can receive 5% cashback on gas purchases. As a bonus, Sam's Club members also get special rewards on digital or in-club purchases, plus a $30 bonus statement credit when you open your account and spend $30 within the first 30 days. You will need to be a member of Sam's Club to apply, but the 5% cashback rewards structure is among the strongest available with gas credit cards today.
Pros:
High 5% rewards structure
A high spending cap for gas purchases
No annual fee
Cons:
Must be a Sam's Club member
Rewards redeemable at Sam's Club
Rewards redeemed only once per year
Sam's Club Mastercard
How did we choose these cards?
To find the best gas cards for business, we considered a number of features, such as:
Rewards structure
The rewards structure for gas purchases can vary from card to card, generally ranging from 2% to 4% for eligible purchases. Most cards offer additional rewards, like cashback on dining or travel. Be sure to carefully review the rewards structure for each card to see which option best suits your normal spending habits.
Annual fee
The annual fee for a business gas card can vary, as well, with annual fees easily topping a few hundred dollars, depending on the provider you choose. Some companies may waive the annual fee with your membership, such as Costco, while other cards may skip the fee altogether.
Sign-up bonus
To further entice you, some gas card providers may offer additional sign-up rewards for your business. From a few thousand points at account opening to annual bonuses, there are many different types of introductory offers that could prove quite lucrative for your new gas card for business.
First-year rewards
Instead of a sign-up bonus, some credit card companies may offer extra bonuses after your first year of having the card. The rewards can vary significantly, with some meeting your needs more than others. For example, while PenFed gives 15,000 points for your first-year bonus, another card could match you dollar for dollar in first-year spending. Consider which rewards and perks are best for you based on your spending habits.
What is a gas credit card?
A gas credit card is a type of credit card that offers special incentives or rewards based on your gas-related purchases. It may be issued by a credit card provider or a gas station, depending on the card.
How do you get a gas credit card?
You will need to apply to get a new credit card. Each business gas card will have its own requirements to qualify, such as a minimum credit score or minimum annual income, so be sure to consider eligibility requirements before you begin the application process.
Which one is the best gas credit card?
The best gas credit card for business depends on your specific needs. Consider your spending habits to help determine which rewards structure will most effectively save you money on your everyday purchases, like gas, dining, and travel.
Are there alternatives worth considering?
The gas cards for business listed above are far from the only options available today. Other gas credit cards for business include:
Citi Premier® Card: Citi gives a handsome introductory bonus of 60,000 points, but watch out for the $95 annual fee.
Discover it® chrome: The first-year benefits are hard to beat with full cashback matching at the end of your first 12 months of having the card.
US Bank Business Triple Cash Rewards World Elite Mastercard: Earn up to 3% limited cashback with 0% introductory APR for your first 15 months.
ExxonMobil Smart Card: This card will help you save money at the pump, but rewards vary based on local gas prices.
No matter which gas card for business you choose, be sure to carefully review the terms and conditions for the card -- as well as eligibility requirements -- to find the best fit for you.