Best Business Credit Cards for Gas [2024]: Fuel Your Rewards

CREDIT CARDS - BUSINESS CREDIT CARDS
We recommend the Ink Business Cash for the higher cashback potential it offers.
Updated July 11, 2024
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Filling up a gas tank

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We recommend the Ink Business Cash® Credit Card as one of the best business credit cards for gas. It has a $0 annual fee and provides an elevated rewards rate on common business expenses, including gas station purchases.

We also recommend the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card for its higher rewards rate on gas station purchases and $0 annual fee.

Let’s explore these and some others that we consider to be the best business credit cards for gas to see which card is right for you.

In this article

Key takeaways

  • We prefer the Ink Business Cash because of its high rewards rate in common business categories. It also has a $0 annual fee and provides exceptional card benefits, including purchase protection and extended warranty protection.
  • For a higher rewards rate on gas spending, consider the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card. This card also has a $0 annual fee, but it offers fewer elevated rewards categories than the Ink Business Cash.
  • One of our favorite business gas cards for earning points on U.S. purchases at gas stations is the American Express® Business Gold Card. It has a hefty $375 annual fee (terms apply), but its rewards rate and benefits are hard to beat.

5 of the best business credit cards for gas

  1. Ink Business Cash® Credit Card
  2. Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
  3. The Blue Business® Plus Credit Card from American Express
  4. Costco Anywhere Visa® Business Card by Citi
  5. American Express® Business Gold Card

In addition to these cards, we put together a list of other great business credit cards for gas in case you want to explore even more options.

Compare the best business credit cards for gas

Credit card Welcome offer Rewards rate Annual fee

Ink Business Cash® Credit Card

Ink Business Cash® Credit Card

4.8

Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year; 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year; and 1% cash back on all other purchases $0

Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card

Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card

4.3

Earn a $300 online statement credit after you make at least $3,000 in net purchases in the first 90 days of your account opening 3% cash back in your category of choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services and 2% cash back on dining (for the first $50,000 in combined choice category/dining purchases each calendar year, then 1%); and unlimited 1% cash back on all other purchases $0

The Blue Business® Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express

4.9

Earn 15,000 Membership Rewards points after you spend $3,000 on eligible purchases within the first 3 months of card membership 2X Membership Rewards points on everyday eligible business purchases up to $50,000 each year, and 1X points on eligible purchases after that $0 (terms apply)

Costco Anywhere Visa® Business Card by Citi

Costco Anywhere Visa® Business Card by Citi

4.2

Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico 4% cash back on eligible gas and EV charging purchases (on the first $7,000 per year, then 1%); 3% cash back on restaurants and eligible travel purchases; 2% cash back on all purchases from Costco and Costco.com; and 1% cash back on all other purchases $0

American Express® Business Gold Card

American Express® Business Gold Card

4.8

Earn 70,000 Membership Rewards points after spending $10,000 on eligible purchases in the first 3 months 4X Membership Rewards Points on purchases in the two categories with the most spend each billing cycle from 6 eligible categories (up to $150,000 in combined purchases each calendar year, after that 1X), 3X Membership Rewards points on flights and prepaid hotels booked at amextravel.com, and 1 point per $1 spent on other eligible purchases $375 (terms apply)

Ink Business Cash® Credit Card

Pros
  • Has a $0 annual fee
  • Offers elevated rewards
  • Comes with intro APR offer on purchases
Cons
  • Has foreign transaction fees

The Ink Business Cash provides an excellent rewards rate for common business expenses.

Why we like it

It has a $0 annual fee and helps you earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year; 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year; and 1% cash back on all other purchases.

Cardholders can also take advantage of an introductory APR.

  • Purchase APR offer: Receive 0% intro APR for 12 months on purchases (then 18.49% - 24.49% Variable).

What we don’t like

Cardholders have to pay foreign transaction fees (3% of each transaction in U.S. dollars) on applicable purchases.

Apply now or find out more in our Ink Business Cash review.

Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card

Pros
  • Has a $0 annual fee
  • Offers flexible bonus categories
  • Comes with intro APR offer on purchases
Cons
  • Has 3% foreign transaction fees

The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card makes sense if you want an intro APR offer and flexible spending categories.

Why we like it

It has a $0 annual fee and helps you earn 3% cash back in your category of choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services and 2% cash back on dining (for the first $50,000 in combined choice category/dining purchases each calendar year, then 1%); and unlimited 1% cash back on all other purchases.

Note that the default category of choice is gas stations and EV charging stations if you don’t change it. You can change your choice category once per calendar month. If you don’t make a change, it stays the same.

You can also take advantage of an intro APR offer.

  • Purchase APR offer: Receive 0% intro APR for 9 billing cycles on purchases (then 18.49% - 28.49% Variable).

What we don’t like

You have to pay 3% foreign transaction fees on purchases you make abroad or from foreign merchants.

Apply now or find out more in our Bank of America Business Advantage Customized Cash Rewards card review.

The Blue Business® Plus Credit Card from American Express

Pros
  • Has a $0 annual fee (terms apply)
  • Offers a simple earning rate
  • Comes with intro APR offer on purchases
Cons
  • Has 2.7% foreign transaction fees

The American Express Blue Business Plus makes it easy to earn valuable points on all eligible business purchases.

Why we like it

It has a $0 annual fee (terms apply) and helps you earn 2X Membership Rewards points on everyday eligible business purchases up to $50,000 each year, and 1X points on eligible purchases after that.

This type of rewards rate works for all eligible purchases, which means you don’t have to worry about different bonus categories. Whether you’re paying for gas, travel, or internet, it all earns the same rate with the Amex Blue Business Plus.

Cardmembers can also take advantage of its intro APR.

  • Purchase APR offer: Receive 0% intro APR for 12 months on purchases (then 18.49% - 26.49% Variable).

What we don’t like

Cardmembers have to pay 2.7% foreign transaction fees on applicable purchases made outside of the U.S.

Apply now or find out more in our Amex Blue Business Plus review.

Costco Anywhere Visa® Business Card by Citi

Pros
  • Has a $0 annual fee
  • Offers a high rewards rate
  • Doesn’t charge foreign transaction fees
Cons
  • Has limited redemption options
  • Requires Costco membership

The Costco Anywhere Visa Business makes sense for small businesses with a lot of Costco purchases.

Why we like it

It has a $0 annual fee and no foreign transaction fees. It also helps you earn 4% cash back on eligible gas and EV charging purchases (on the first $7,000 per year, then 1%); 3% cash back on restaurants and eligible travel purchases; 2% cash back on all purchases from Costco and Costco.com; and 1% cash back on all other purchases.

As far as earning rewards on gas business purchases, the Costco Anywhere Visa Business has one of the best rewards rates available.

What we don’t like

You have to be a Costco member to apply for this card. Also, the only available redemption option is receiving an annual reward certificate each February that can be redeemed for cash or merchandise at U.S. Costco warehouses.

Find out more in our Costco Anywhere Visa Business Card review.

American Express® Business Gold Card

Pros
  • Offers a high rewards rate
  • Has flexible bonus categories
  • Doesn’t charge foreign transaction fees
Cons
  • Has a $375 annual fee (terms apply)

The Amex Business Gold makes sense for high-spending business owners who want a flexible rewards rate.

Why we like it

It doesn’t charge foreign transaction fees and you can earn 4X Membership Rewards Points on purchases in the two categories with the most spend each billing cycle from 6 eligible categories (up to $150,000 in combined purchases each calendar year, after that 1X), 3X Membership Rewards points on flights and prepaid hotels booked at amextravel.com, and 1 point per $1 spent on other eligible purchases.

Eligible 4X bonus categories include:

  • Purchases at US media providers for advertising in select media (online, TV, radio)
  • U.S. purchases made from electronic goods retailers and software and cloud system providers
  • U.S. purchases at restaurants, including takeout and delivery
  • U.S. purchases at gas stations
  • Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
  • Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.

Cardholders can also take advantage of these benefits (select benefits require enrollment).

  • Get up to $240 back annually (up to $20 in statement credits monthly) for eligible U.S. purchases at FedEx, Grubhub, and office supply stores.
  • Get up to $12.95 (plus applicable taxes) back each month in statement credits when you use your card to pay for a monthly Walmart+ membership.

What we don’t like

Cardmembers have to pay a $375 annual fee (terms apply).

Apply now or find out more in our American Express Business Gold review.

Honorable mentions: additional great business credit cards for gas

We think these cards are excellent alternatives, especially for specific situations.

For example, if you want to earn Marriott points on your gas business purchases, it’s hard to beat the Marriott Bonvoy Business® American Express® Card.

Credit card Welcome offer Rewards rate Annual fee

U.S. Bank Triple Cash Rewards Visa® Business Card

U.S. Bank Triple Cash Rewards Visa® Business Card

4.8

Earn $750 in cash back after spending $6,000 on the account owner's card in the first 180 days of opening your account 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers, and restaurants; and 1% cash back on all other eligible purchases $0

United℠ Business Card

United℠ Business Card

4.7

Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open 2 miles per dollar spent on United purchases, dining, at gas stations, office supply stores, and on local transit and commuting; plus 1 mile per dollar spent on all other purchases $99 (waived first year)

Citi® / AAdvantage Business™ World Elite Mastercard®

Citi® / AAdvantage Business™ World Elite Mastercard®

4.6

Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening Earn 2X miles per dollar on all eligible American Airlines purchases and on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations; plus 1X miles on other purchases $99 (waived first year)

IHG One Rewards Premier Business Credit Card

IHG One Rewards Premier Business Credit Card

4.7

Earn 140,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening Up to 26X points at IHG hotels and resorts; 5X points on travel, gas stations, select business spending, and restaurants (including takeout and eligible delivery); and 3X points on all other purchases $99

Wyndham Rewards Earner Business Card

Wyndham Rewards Earner Business Card

4.7

Earn 50,000 points after spending $4,000 in the first 90 days, plus earn an additional 50,000 points after spending $15,000 within the first 12 months 8X points on eligible Wyndham Hotel and gas purchases; 5X points on eligible marketing, advertising, and utility purchases; and 1X points on all other purchases $95

Marriott Bonvoy Business® American Express® Card

Marriott Bonvoy Business® American Express® Card

4.7

Earn three Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months (redemption level up to 50,000 Marriott Bonvoy points for each bonus Free Night Award.) Certain hotels have resort fees. Terms apply. 6X points at participating Marriott Bonvoy hotels; 4X points at restaurants worldwide, U.S. gas stations, U.S. purchases on shipping, and wireless telephone services purchased from U.S. providers; and 2X points on all other eligible purchases $125 (terms apply)

Capital One Spark Cash Plus

Capital One Spark Cash Plus

4.4

Earn $1,200 after spending $30,000 in the first 3 months of opening an account 2% cash back on every purchase, every day; plus 5% cash back on hotels and rental cars booked through Capital One Travel $150

World of Hyatt Business Credit Card

World of Hyatt Business Credit Card

4.6

Earn 60,000 bonus points after you spend $5,000 on purchases in your first 3 months from account opening up to 9X total points at Hyatt (4 bonus points per $1 on qualified purchases at Hyatt hotels plus up to 5 base points from Hyatt per eligible $1 spent as a World of Hyatt member); 2X points on your top three spend categories each quarter (through 12/31/24, then your top two categories each quarter); 2X points on fitness club and gym memberships; and 1X points on all other purchases $199

How to choose the best business card for gas

Consider these factors to help you decide on the best business card for gas for your small business.

1. Eligibility requirements

There are business credit card requirements if you want to apply for and be accepted by a business card. One of the primary requirements is that you must have a legitimate business, which could include a sole proprietorship, limited liability company (LLC), corporation, or other eligible business entities.

2. Rewards

You might consider fuel cards to earn cashback rewards, points, or miles for increased fuel savings.

The best business credit card for gas should earn elevated rewards on fuel purchases. Or it should have an elevated rate on all purchases such as earning 2% cash back on everything.

If a card doesn’t earn at least 2% on gas, it’s likely not the best option for you to earn rewards on fuel expenses.

3. Perks and benefits

Depending on your preferences, keep an eye out for specialized card benefits, including:

  • Airport lounge access
  • Travel insurance
  • Purchase protection
  • Extended warranties
  • Cell phone protection
  • Travel credits
  • Intro APR offer on purchases
  • Intro APR offer on balance transfers
  • Free checked bag
  • Earning travel rewards
  • Transfers to hotel and airline partners
  • Combining points between cards

There are also plenty of other benefits, so make sure you review the details on top rewards cards carefully.

4. Card fees

In general, credit cards either have an annual fee or they don’t. Cards with no annual fee tend to be simpler and easy to use. But they might lack certain features or benefits that you could find on cards with an additional cost.

For example, cards with annual fees tend to have higher rewards rates. There are exceptions, but that’s often the case for rewards cards.

Similarly, many travel credit cards don’t charge foreign transaction fees. That’s because frequent travelers don’t want to deal with these fees when they travel abroad.

5. Business tools

Many business cards provide specific features and tools designed to help small business owners. These features aren’t always the same among different business cards, so it makes sense to review your choices if you want to take advantage of a specific business tool or benefit.

Certain business tools and features could include:

  • Free employee cards
  • The option to set spending limits on employee cards
  • Check spending insights on your card(s)
  • Expense management tools
  • Credits for popular business services or software products

FAQ

What are the best business cards for gas?

Can I put gas on a business credit card?

Yes, you can put gas on a business credit card. Business cards work like personal credit cards and are generally accepted everywhere, but they’re designed to be used for business expenses. If your business has gas costs, using your card for these purchases could help separate your business expenses from your personal expenses.

What is a gas card for business?

A gas card for business is typically a business credit card that rewards you for your gas purchases. Many businesses have gas costs, so using a specific card for gas could help a business earn valuable rewards and separate personal and business expenses.

Best business credit cards for gas: bottom line

For elevated earnings on gas and other common business expenses, we recommend the Chase Ink Business Cash. It has a $0 annual fee and earns valuable cash back that can be redeemed for travel, bank deposits, gift cards, and more.

For more top options, compare credit cards to find the best card for your business.

Methodology

To identify the best business credit cards for gas, we initially compiled a list of business credit cards that offer valuable rewards specifically for gas purchases. We then gathered information about these cards, including earning rates, annual fees, and other features and benefits.

Next, we determined which cards deliver excellent value to those frequently purchasing gas. We didn’t arrange the cards in any particular order and didn’t include all available credit cards. Instead, we aimed to provide suggestions that might suit business owners who often make purchases at gas or fuel stations for business purposes.

Up to 5% Cash Back

4.8

Ink Business Cash® Credit Card

Current Offer

Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening

Annual Fee

$0

Rewards Rate

5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year; 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year; and 1% cash back on all other purchases

Benefits and Drawbacks
Card Details

Author Details

Ben Walker, CEPF, CFEI® Ben Walker, CEPF, CFEI®, is credit cards specialist. For over a decade, he's leveraged credit card points and miles to travel the world. His expertise extends to other areas of personal finance — including loans, insurance, investing, and real estate — and you can find his insights on The Washington Post, Debt.com, Yahoo! Finance, and Fox Business.