10 Best Business Credit Cards for Gas in [2022]

U.S. gas prices are high and they could rise even more. For the small business owner who frequently buys gas, how do you fight these rising costs?

It’s possible to help your business save money at the gas pump by using the best business credit cards for gas. These cards are designed for business owners and typically provide valuable rewards for gas purchases and other common business expenses.

See what these gas credit cards have to offer and decide whether one might be a good fit for you.

What are the best business cards for gas?

The best business cards for gas are small business credit cards that provide specific benefits when buying gas. This typically means earning bonus rewards on your gas purchases. Rewards vary by credit card, but the most common types are points, miles, and cash back.

Earning these rewards could be helpful because they often act like a discount on your purchases. For example, if you have a card that offers 3% cash back on gas purchases, that’s like getting an automatic 3% discount — all for next to no additional effort on your part.

Note that some of the best gas credit cards for businesses are also some of the best business credit cards overall. Depending on the product, you could have a credit card that offers bonus rewards for gas and other common categories your business spends money on.

The best business cards for gas

American Express® Business Gold Card: Best for flexible travel rewards

Welcome offer: Earn 70,000 Membership Rewards points after spending $10,000 in the first 3 months

Reward rate: 4X Membership Rewards points for the first $150,000 spent in two select categories each year (after that 1X), and 1 point per $1 spent on other purchases

Annual fee: $295

The American Express® Business Gold Card has a high $295 annual fee, but it also offers the opportunity to earn valuable Membership Rewards on your business purchases. This includes a 4X earning rate on two select categories (up to $150,000 annually, after that 1X). Select categories could include U.S. purchases at gas stations and other common business expenses.

This is some of the highest earning potential available for business purchases on gas, and earning Amex Membership Rewards is an added bonus. Membership Rewards are one of the most popular and flexible rewards currencies available.

They can be redeemed for flights, hotel stays, shopping, gift cards, and more. They can also be transferred to over a dozen airline and hotel loyalty programs.

Business Advantage Customized Cash Rewards credit card: Best for Bank of America Preferred Rewards members

Sign-up bonus: Earn a $300 statement credit after spending $3,000 on purchases in the first 90 days

Reward rate: 3% cash back on your category of choice and 2% cash back on dining (on up to $50,000 annually in combined 3% and 2% category purchases); and unlimited 1% cash back on everything else

Annual fee: $0

This business card from Bank of America has a lot to offer, including a $0 annual fee. For rewards on gas, you could earn 3% on the category of your choice (gas stations, office supply stores, travel, TV/telecom and wireless, computer services, or business consulting services) on up to $50,000 annually in the combined 3% and 2% category purchases.

If you were to only use your card for gas up to the $50,000 spending limit, that’s $1,500 in potential cash back.

But keep in mind that Bank of America Preferred Rewards members could earn up to 75% more cash back on every purchase. That could mean up to 5.25% cash back on gas purchases up to the $50,000 annual limit, which would be $2,625 in cash back.

This card also offers new cardholders 0% intro APR on purchases for 9 billing cycles after account opening, then 12.99% to 22.99% variable APR.

Capital One Spark Cash Plus: Best for simple cash back

Early spend bonus: Earn up to $1,000 cash bonus — $500 after spending $5,000 in the first 3 months, plus $500 after spending $50,000 in the first 6 months

Reward rate: 2% cash back on every purchase, every day; plus 5% cash back on hotels and rental cars booked through Capital One Travel

Annual fee: $150

For a simple cashback card that earns an unlimited flat rate on just about every purchase, consider the Capital One Spark Cash Plus. This credit card offers a $150 annual fee, but there’s nothing complicated about its earning potential. Use this card for everything, including gas purchases, and you know you’ll be earning at least 2% cash back.

As an added bonus, you also earn 5% cash back on hotels and rental cars booked through Capital One Travel.

Ink Business Cash® Credit Card: Best for flexible cash back

Sign-up bonus: Earn $750 bonus cash back after spending $7,500 in the first 3 months

Reward rate: 5% cash back at office supply stores and on internet, cable, or phone services (up to $25,000 combined annually); 2% cash back at gas stations and restaurants (up to $25,000 combined annually); and 1% cash back on everything else

Annual fee: $0

The Ink Business Cash® Credit Card has a $0 annual fee and offers 2% cash back at gas stations and restaurants (up to $25,000 combined annually). This isn’t the highest earning potential at gas stations, but you have to consider the rest of the rewards rate.

This card also offers 5% cash back at office supply stores and internet, cable, or phone services (up to $25,000 combined annually) — which is one of the highest rates available for these common business expenses.

If you want a business card that offers excellent earning potential in multiple bonus categories, the Ink Business Cash could be the way to go. Keep in mind that this card earns Chase Ultimate Rewards, a valuable and flexible rewards currency.

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®: Best for American Airlines travelers

Sign-up bonus: Earn 65,000 American Airlines AAdvantage bonus miles after spending $4,000 in the first 4 months

Reward rate: Earn 2X miles per dollar on all eligible American Airlines purchases and on purchases in select business categories (telecommunications, cable, satellite, car rental, gas), and 1X miles on other purchases

Annual fee: $99 (waived first year)

Other business cards might provide higher earning rates, but the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® offers opportunities to directly earn American Airlines miles and pad your AAdvantage miles balance.

This card has a $99 (waived first year) and offers 2X miles on American Airlines purchases, and purchases from telecommunications merchants, cable and satellite providers, car rental merchants, and gas stations.

You also get the first checked bag for free on domestic American Airlines flights for you and up to four travel companions on your reservation.

Costco Anywhere Visa® Business Card by Citi: Best for Costco members

Sign-up bonus: Get special access to purchase tickets to thousands of events with Citi Entertainment

Reward rate: 4% cash back on eligible gas purchases (including at Costco) on the first $7,000 per year; 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

Annual fee: $0

Costco members could find the Costco Anywhere Visa® Business Card by Citi useful for their everyday Costco purchases, but the most earning potential could lie with other types of purchases.

This card has a $0 annual fee and offers 4% cash back on eligible gas purchases worldwide (including at Costco) on the first $7,000 per year. You can also earn 3% cash back on restaurants and eligible travel purchases.

A Costco membership is required for this card.

Marriott Bonvoy Business™ American Express® Card: Best for Marriott travelers

Welcome bonus: Earn 75,000 Marriott Bonvoy bonus points after spending $3,000 on purchases within the first 3 months

Reward rate: 6X points at participating Marriott Bonvoy hotels; 4X points on U.S. restaurants, 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

Annual fee: $125

Do you travel often and prefer to stay at Marriott hotels? If so, it might make sense to have a hotel credit card handy to help earn Marriott Bonvoy points.

This card has a $125 annual fee and offers 4X points at U.S. restaurants, U.S. gas stations, U.S. shipping, and U.S. wireless telephone services, as well as 6X points at participating Marriott Bonvoy hotels.

The Marriott Bonvoy Business™ American Express® Card also provides complimentary Marriott Bonvoy Silver Elite status and 15 elite night credits each calendar year.

United℠ Business Card: Best for United travelers

Sign-up bonus: Earn 75,000 bonus miles after spending $5,000 on purchases in the first 3 months

Reward rate: 2X miles on United purchases and dining (including eligible delivery services), at gas stations, office supply stores, and on local transit and commuting; and 1X miles on everything else

Annual fee: $99 (waived first year)

The United℠ Business Card has a $99 (waived first year) annual fee and offers 2X miles on United purchases and dining (including eligible delivery services), and also at gas stations, office supply stores, and local transit and commuting.

This card is meant for United travelers who potentially want more opportunities to earn United miles on everyday business purchases. You also get the helpful benefit of one free checked bag for you and one companion on the same reservation for United-operated flights.

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Best for unlimited cash back

Sign-up bonus: Earn $500 cash back after spending $4,500 on purchases in the first 150 days of opening your account

Reward rate: 5% cash back on hotels and car rentals booked in the Travel Rewards Center; 3% cash back at gas stations and EV charging stations, office supply stores, cell phone service providers, and restaurants; and 1% cash back on all other purchases

Annual fee: $0

This card has a $0 annual fee and offers 3% cash back at gas stations and EV charging stations, office supply stores, cell phone service providers, and restaurants.

The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® might not offer the highest cashback rewards rate for gas purchases on this list, but it’s close. And there’s no limit to the amount of cash back you can earn, which could potentially beat out some of the competition.

Wyndham Rewards Earner Business Card: Best for Wyndham travelers

Sign-up bonus: Earn 65,000 points after spending $1,000 in the first three months, plus an additional 10,000 after a purchase is made on an employee card in the first month

Reward rate: 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

Annual fee: $95

Wyndham has over 9,000 hotels in more than 80 countries worldwide, offering loads of lodging opportunities for travelers.

The Wyndham Rewards Earner Business Card has a $95 annual fee, but you get automatic Wyndham Rewards Diamond elite status and 15,000 bonus points each account anniversary year. These perks alone could easily offset the annual cost.

But this card also offers 8X points on eligible Wyndham Hotel and gas purchases, as well as 5X points on eligible marketing, advertising, and utility purchases. For Wyndham enthusiasts, the earning potential and benefits here are hard to beat.

FAQs

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 business gas card is easiest to get?

The easiest business gas credit card to get is likely a secured credit card, student card, or a fuel card that’s issued in a partnership between a card issuer and a gas station brand. These types of cards typically have lower credit score requirements, but could still offer rewards for gas purchases. Consider these options:

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.

Bottom line

Business credit cards provide opportunities to separate your business expenses from your personal expenses. And depending on your most common expenses, the right business card could provide you with valuable rewards to help offset your costs when you fill up.

When you’re choosing the best business credit card for your needs, keep fees in mind as well as the rewards structure. For example, if you travel overseas for business, consider a card with no foreign transaction fees.

Keep in mind that business cards and personal cards could work together to provide more value than either one alone. Using both types of cards could offer additional rewards and benefits for your business and personal expenses. Use our dedicated page to compare credit cards and card offers.

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