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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.
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.
No annual fee
0% introductory APR
Rewards never expire
Limited to $2,500 in rewards
Balance transfer fees apply
Foreign transaction fee
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)
Highest rewards for groceries (6%)
Additional commuter rewards
Introductory 0% APR for 12 months
Ongoing Annual fee
Spending caps on rewards
Foreign transaction fee
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.
4% gas cashback
No annual fee
No foreign transaction fee
Must be a Costco member
Only 2% on Costco purchases
No introductory offer
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.
5x points for gas at the pump
Extra rewards for EV charging stations
Bonus introductory rewards
Must be a member of PenFed
Points can be worth less than one cent
Five-year expiration for rewards
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.
High 5% rewards structure
A high spending cap for gas purchases
No annual fee
Must be a Sam's Club member
Rewards redeemable at Sam's Club
Rewards redeemed only once per year
To find the best gas cards for business, we considered a number of features, such as:
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.
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.
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.
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.
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.
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.
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.
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.