Best Business Gas Cards in 2024

The U.S. Bank Triple Cash Rewards Visa^® Business Card is our top choice for cash back because it offers the highest cash back rate on gas of any business card we could find, without strict restrictions on redeeming cash back. Note, the same 3% rewards rate also applies to EV charging stations, office supply stores, restaurants, and cell phone providers. Cardholders can also earn bonus rewards on eligible travel purchases made through U.S. Bank.

Because this card isn’t co-branded with a specific gas station brand, bonus rewards for gas apply at any type of gas station. However, the fine print on the card says that fuel or EV charging purchases of $200 or more will only earn 1% cash back in rewards. This cap could be a problem for large, industrial vehicles that require considerable amounts of gas to fill up.

The American Express Blue Business Cash™ Card is another top option when it comes to earning cash back at gas stations. You’ll earn the same high rate of cash back on every purchase, which makes it a great choice if you don’t want to juggle cards for different types of purchases.

There’s no annual fee for the American Express Blue Business Cash™ Card, and users can request up to 99 free employee cards. A lucrative welcome offer is also available for cardholders who can meet a minimum spending threshold in the first three months.

A major drawback is that its bonus rate is capped at $50,000 in purchases per year. Larger businesses that may surpass this cap might consider Capital One Spark Cash Plus or the Ink Business Premier^® Credit Card. These cards come with uncapped rewards rates in exchange for an annual fee.

The American Express^® Business Gold Card is by far one of the most rewarding travel cards for U.S. gas station purchases. It earns an incredible 4X points per dollar spent in your two top spending categories each year (on the first $150,000 in combined purchases), including U.S. gas stations.

This card earns American Express Membership Rewards points, which are notorious for their value. Users can transfer them to a range of airline and hotel partners like British Airways, Delta SkyMiles, Hilton Honors and Marriott Bonvoy. It’s possible to get values of 2 cents or more per point by scoring deals with Amex’s travel partners. That means you can get a return of around 8 cents per dollar on your gas purchases if you’re savvy with your rewards.

While the American Express^® Business Gold Card has a $375 annual fee, cardholders can add up to 99 free employee cards for expenses to their account. This ensures they earn Amex Membership Rewards points on all their company spending throughout the year.

The Marriott Bonvoy Business^® American Express^® Card is the best hotel credit card for gas purchases due to its 4x rewards rate at U.S. gas stations. We estimate that Marriott points are worth around 0.9 cents each, which means you can get around 3.6 cents in rewards for each $1 spent on gas. That’s the highest rate of any hotel card in our study.

Business owners who choose this card can benefit from automatic Gold Elite status with Marriott Bonvoy (enrollment required), free anniversary nights and premium internet access when staying in Marriott properties. Free employee cards are also available with the ability to set spending limits and controls.

The Citi^® / AAdvantage Business™ World Elite Mastercard^® is a top business airline card for gas purchases because it lets you earn valuable AAdvantage miles at a 2x rate for gas station purchases. We value AAdvantage miles at around 1.8 cents each, so the card offers a return of around 3.6 cents per $1 spent on gas.

Cardmembers also earn Loyalty Points with the American Airlines AAdvantage program as they spend, which count toward elite status requirements. Other benefits include free employee cards, a first checked bag on domestic flights for the cardholder and up to four companions, preferred boarding, 25% discount on eligible in-flight purchases and more.

Costco members love the Costco Anywhere Visa® Business Card by Citi due to its generous rewards rate on gas station purchases worldwide (not just at Costco). This card offers one of the highest cash back rewards rates you can find for gas. You’ll get 4% cash back on up to $7,000 in gas and EV charging purchases each year, which works out to just over $583 in gas and EV charging spending per month.

Though it requires a Costco membership to apply, the card comes with no annual fee and free employee cards. Note that cash back is awarded once per year in the form of a rewards certificate that’s good for merchandise or cash back in Costco stores. This could be a serious drawback if you prefer to receive your rewards more frequently or you plan to cancel your Costco membership before the certificate arrives.

The Shell Small Business™ Card helps small business owners get a line of credit for fuel purchases without having to make a personal guarantee. This means business owners are not personally liable for repayment in the event the business is unable to keep up with its financial commitments.

Users can consider the Shell Small Business™ Card if they want to fuel up at Shell stations around the United States, and if they want benefits like free employee cards and 5¢ off per gallon at Shell locations. Other perks include spending controls for employee cards, discounts at Jiffy Lube and roadside assistance.

The Capital One Spark Classic for Business is one of the highest earning rewards cards for business owners with fair credit, and it doesn’t charge an annual fee. While it doesn’t have a welcome offer like some other cards in our ranking, this card does earn a flat 1% cash back on purchases, including gas.

There’s no annual fee to carry the Capital One Spark Classic for Business, and business owners can set up free employee cards with unique spending controls. Other notable benefits include year-end summaries and no foreign transaction fees.

The Business Advantage Unlimited Cash Rewards Secured credit card is an affordable option for business owners with see website for details* credit. It doesn’t charge an annual fee, and it offers a high rate of cash back on every purchase, including gas stations around the world.

This card requires a refundable security deposit of at least $1,000 to get started, yet users can build credit with on-time payments.

It comes with free access to business credit scores. Other perks include free cash flow management tools and travel insurance protections.