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The best business gas credit cards

We compare seven of the top gas credit cards to help you choose the best card for your business.
lena-borrelli-author.jpg
Written by Lena Borrelli, Contributing Writer on

There is no shortage of 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.

Bank of America Customized Cash Rewards

Best introductory bonus

Card Highlights
Intro Bonus$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
APR14.24% - 24.24% Variable APR on purchases and balance transfers
Recommended CreditExcellent/Good
Reward Rates
  • 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.
Annual Fee$0
Intro Purchase APR0% for 15 billing cycles
Additional Details
Rewards & Redemption Details

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

Blue Cash Preferred® Card from American Express

Best for everyday purchases

See Rates and Fees | Terms Apply
Card Highlights
Intro BonusEarn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
APR14.74% - 24.74% Variable
Recommended CreditExcellent/Good
Reward Rates
  • 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
Annual Fee$0 introductory annual fee for the first year, then $95.
Intro Purchase APR0% on purchases for 12 months
Additional Details
Rewards & Redemption Details

The Blue Cash Preferred Card from American Express is an excellent choice for everyday spending. Save with 3% cashback rewards for gas purchases, plus get extra savings on Amazon purchases. There is no annual fee, and it comes with an excellent introductory APR offer of 0% for your first year (14.74% - 24.74% variable there after)

Pros:

  • Highest rewards for groceries (6%)

  • Additional commuter rewards

  • Introductory 0% APR for 12 months

Cons:

  • Annual fee after the first year

  • Spending caps on rewards

  • Foreign transaction fee

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Costco Anywhere Visa® Business Card by Citi

Best for Costco customers

Card Highlights
Intro BonusN/A
APR15.99% (Variable)
Recommended CreditExcellent Credit
Reward Rates
  • 4% cash back on eligible gas 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
Annual Fee$0
Intro Purchase APRN/A
Rewards & Redemption Details

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 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

Platinum Rewards Visa Signature® Card

Best credit union

Card Highlights
Intro BonusNew Acquisition Bonus: 15,000 points after $1,500 spend during first 3 months of card open date
APR14.49% to 17.99% Variable
Recommended CreditGood, Excellent
Reward Rates
  • 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
Annual Fee$0
Intro Purchase APRN/A
Additional Details
Rewards & Redemption Details

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

Sam's Club Mastercard

Best for Sam's Club members

Card Highlights
Intro BonusN/A
APR15.65% or 23.65% Variable
Recommended CreditExcellent/Good Credit
Reward Rates
  • 5% cash back on gas anywhere (up to $6,000)
  • 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.
Annual Fee$0
Intro Purchase APRN/A
Rewards & Redemption Details

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

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 80,000 points, but watch out for the $95 annual fee.

  • Discover it Chrome Card: 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.

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