Best business credit cards for gas of December 2025
Gas is a common expense for many businesses, which is why you should consider adding one of our top picks for the best business credit cards for gas to your wallet. If you (or your employees) frequently need to fill up at the pump, these cards are a great way for small businesses to maximize the spending they’re already doing.
The cards that we have selected for this list can help small businesses work toward their financial goals, whether that is accumulating points and miles or earning cash back. There are many ways to earn every time you fill up, and we want you to get the best return on your purchases. Consider applying for one of these best business credit cards for gas.
- The Blue Business® Plus Credit Card from American Express: Best for no annual fee rewards earning
- Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card: Best for Preferred Rewards members
- Ink Business Cash® Credit Card: Best for Chase Ultimate Rewards
- Capital One Spark Cash Plus: Best for unlimited flat-rate earning
- Costco Anywhere Visa® Business Card by Citi: Best for Costco shoppers
- American Express® Business Gold Card: Best for rewards earning
- Wyndham Rewards Earner Business Card: Best for businesses that frequent Wyndham properties
Browse by card categories
Comparing the best business gas credit cards
Best for no annual fee rewards earning
at American Express's secure site
Terms & restrictions apply. See rates & fees.
| 2X | Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply. |
The Blue Business Plus Credit Card from American Express is a great card for business owners looking for reward earning without a high annual fee. The card earns 2 American Express Membership Rewards points per dollar spent on all purchases, up to $50,000 in annual spending, then 1 point per dollar. Based on creditworthiness, new card members can also qualify for an introductory APR on new purchases. The Blue Business Plus does impose foreign transaction fees, so there may be better options for international business travelers. Read more about the Blue Business Preferred Card here.
Pros
- Transfer partners
- No annual fee
- Flat-rate earning on all purchases
- Introductory APR
Cons
- Foreign transaction fees
- Cap on bonus earning
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.99% - 26.99%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
- You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply.
Best for Preferred Rewards members
at Bank of America's secure site
| 3% | Earn 3% cash back in the category of your choice (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter). |
| 2% | Earn 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter). |
| 1% | Earn 1% cash back on all other purchases. |
The Bank of America Business Advantage Customized Cash Rewards card is a great cash-back option for smaller businesses. Cardholders get unlimited 1% cash back on all purchases but 2% cash back on dining and 3% on a category of their choice, which includes gas stations and EV charging stations, all for no annual fee. Bonus earning rates are applicable for up to $50,000 in combined spending in a calendar year (then 1% thereafter) — though if you’re a Bank of America Preferred Rewards for Business Program member, you can enjoy up to 75% more rewards on all purchases. In addition, the card offers an introductory APR on new purchases and a sign-up bonus, though since the card imposes foreign transaction fees, it may not be the best choice for international business travelers. Read more about the Bank of America Business Advantage Customized Cash card here.
Pros
- Introductory APR for purchases
- Bonus earning categories
- Bonus multiplier for Preferred Rewards members
- No annual fee
Cons
- Excellent credit is needed for approval
- Spending cap on bonus earning
- Foreign transaction fees
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You'll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for Preferred Rewards for Business Platinum Honors tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- No annual fee
- Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire as long as your account remains open.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.99% to 26.99% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
at Chase's secure site
Terms & restrictions apply. See rates & fees.
| 5% | 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% | Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year |
| 1% | Earn 1% cash back on all other card purchases with no limit to the amount you can earn |
The Ink Business Cash Credit Card is a solid no-annual-fee business card. You’ll earn 2% cash back at gas stations and restaurants (up to $25,000 in combined purchases each year). The card also provides 5% cash back on office supplies and telecommunication purchases (up to $25,000 in combined purchases each year) and then 1% back on all other purchases. It offers an introductory APR for purchases and a solid welcome offer. But where the card really shines is when you have a premium Chase Ultimate Rewards card. That’s because the cash-back on the Ink Cash can be transferred to a card that earns fully transferable Ultimate Rewards points, potentially doubling the value of its welcome bonus. Read more about the Ink Business Cash Credit Card here.
Pros
- Lucrative sign-up bonus
- No annual fee
- Introductory APR for purchases
- Bonus earning categories
- Compatible with Chase Ultimate Rewards
Cons
- Subject to Chase’s 5/24 rules
- Spending cap on bonus earning
- Earn $750 when you spend $6,000 on purchases in the first three months after account opening
- 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
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
at Capital One's secure site
Terms & restrictions apply. See rates & fees.
| 2% | 2% cash back on every purchase |
| 5% | 5% cash back on hotels and rental cars booked through Capital One's travel booking site |
The Capital Spark Cash Plus is a great cash back card for larger businesses with high spending. It allows business owners to earn unlimited 2% cash back on every purchase, and Capital One will refund the card’s annual fee if the business meets a minimum spend of $150,000 annually. Read our full review of the Capital One Spark Cash Plus credit card.
Pros
- The card features unlimited 2% cash back on every purchase
- This card offers a large welcome bonus
- Hotels and rental cars booked through Capital One's travel booking site are eligible for 5% cash back
Cons
- The card has a $150 annual fee
- The required spend to refund the annual fee is very high
- The card’s balance must be paid in full every month
- Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
- Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
- Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
- Enjoy big purchasing power so you can spend more and earn more rewards. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One's travel booking site
- Streamline your accounts payable process, employee spending, and more from your online account with free business management tools
- Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards
- $150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
- Spark Cash Plus has no APR because your balance is due in full every month
- For businesses that need large spending capacity and want to maximize cash back
at Citi's secure site
Terms & restrictions apply. See rates & fees.
| 4% and 5% | Earn 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter. |
| 3% | 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel. |
| 2% | 2% cash back on all other purchases from Costco and Costco.com |
| 1% | 1% cash back on all other purchases |
The Costco Anywhere Visa Business Card mimics the consumer version with no annual fee and a strong earning rate on Costco and everyday purchases. However, the benefit of carrying a business card is that you get to separate your business and personal expenses, making it easier to keep your finances in check. To learn more, read our full review of the Costco Anywhere Visa Business Card.
Pros
- Earn 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and EV charging purchases for the first $7,000 in combined spend per year (then 1% thereafter); 3% cash back on restaurants and eligible travel purchases; 2% cash back on Costco purchases; 1% on everything else.
- Purchase protection
- Extended warranty
- No annual fee
Cons
- No sign-up bonus offered.
- You can only redeem your cash back once per year in February.
- A Costco membership is required to apply.
- Discover the only business credit card designed exclusively for Costco members
- Earn 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter.
- 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel.
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
- No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
- Whether you're traveling for business or pleasure, enjoy no foreign transaction fees on purchases
- Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
at American Express's secure site
Terms & restrictions apply. See rates & fees.
| 4X | Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.* |
| 3X | Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.* |
| 1X | 1X is earned for other purchases. ** |
The American Express Business Gold card is a great choice for businesses looking for solid rewards. The card earns 4 Membership Rewards points per dollar spent on your top two spending categories each billing cycle, a list that includes gas stations (up to $150,000 in combined purchases every calendar year, then 1 point per dollar after), 3 points per dollar on flights and prepaid hotels booked through AmexTravel.com, and 1 point per dollar on all other purchases. American Express Membership Rewards points are transferable to 18 airlines and three hotel transfer partners, but if you use your points for a flight with Amex Travel. The Amex Business Gold card is not for everyone with its hefty $375 annual fee, but it can be a good fit for a high-spending small business looking for flexible rewards. Read more about the American Express Business Gold Card here.
Pros
- Earns American Express Membership Rewards points
- Flexible redemption options
- Bonus earning rates
- High welcome bonus
Cons
- High annual fee
- Less appropriate for lower-spending businesses
- Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.*
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
- The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
- *Terms Apply
Best for businesses that frequent Wyndham properties
Wyndham Rewards Earner Business Card
Information updated as of 07/29/2024
| 8X | Earn 8 points per $1 spent on eligible purchases made at Hotels by Wyndham as well as on qualifying gas purchases. |
| 5X | Earn 5 points per $1 spent on eligible marketing, advertising and utility purchases. |
| 1X | Earn 1 point per $1 spent on all other purchases (excluding Wyndham Timeshare resort down payments). That means paying bills, buying home office supplies, car repairs, and more are earning you your next great vacation! |
Pros
- Automatic Wyndham Diamond status
- Go Free award nights cost 10% less
- 15,000 bonus points each anniversary year
Cons
- Points can only be redeemed through Wyndham
The Wyndham Rewards Earner® Business Card* is a solid small business credit card that features various perks, a welcome bonus and automatic Wyndham Diamond status. Its standout feature is elevated earnings for various business expenses like 5 points per dollar spent on eligible marketing, advertising and utility purchases as well as 8 points per dollar spent at hotels by Wyndham and qualifying gas purchases,and 1 point per dollar on all other purchases. If you’re a Wyndham loyalist who frequently spends on advertising and gas for your business, having the Wyndham Rewards Earner Business is a great way to get the most out of your spending.
Comparing the best business gas credit cards
Credit card | Best for | Intro offer | Earning rate | Annual fee | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
at American Express's secure site | no annual fee rewards earning | 15,000 Membership Rewards® points Open Intro bonus Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. | 2X points Open Rewards rates
| No annual fee | ||||||||
Apply now Apply for Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit cardat Bank of America's secure site | Preferred Rewards members | $300 Open Intro bonus Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening. | 1 - 3% cash-back Open Rewards rates
| $0 | ||||||||
at Chase's secure site | Chase Ultimate Rewards | Earn $750 bonus cash back Open Intro bonus Earn $750 when you spend $6,000 on purchases in the first three months after account opening | 1 - 5% cash-back Open Rewards rates
| $0 | ||||||||
at Capital One's secure site | unlimited flat-rate earning | $2,000+ cash back Open Intro bonus $2,000 cash back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year | 2 - 5% cash-back Open Rewards rates
| $150 | ||||||||
at Citi's secure site | Costco shoppers | no offer | 1 - 5% cash-back Open Rewards rates
| $0 | ||||||||
at American Express's secure site | rewards earning | Earn 100,000 points Open Intro bonus Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.* | 1 - 4X points Open Rewards rates
| $375 | ||||||||
Wyndham Rewards Earner Business Card * *The information about the Wyndham Rewards Earner Business Card has been collected independently by ThePointsGuy.com. The card details have not been reviewed or approved by the card issuer. Information updated as of 07/29/2024 | businesses that frequent Wyndham properties | 45,000 points Open Intro bonus Earn 45,000 bonus points after spending $3,000 on purchases in the first 90 days. | 1 - 8X points Open Rewards rates
| $95 |
More details on the best business gas credit cards
The Blue Business Plus Credit Card is a great card for business owners looking to earn rewards without a high annual fee. The card earns 2 American Express Membership Rewards points per dollar spent on all purchases, on up to $50,000 in annual spending, then 1 point per dollar. The Blue Business Plus does impose foreign transaction fees, so there may be better options for international business travelers.
Business owners who want to earn points in the American Express Membership Rewards ecosystem without paying an annual fee should use this card. This card has a flat earning rate of 2 points per dollar, which is great who those who want a simple earning structure while still having flexibility with redeeming Membership Rewards points.
“There are very few no-annual-fee cards that award fully transferable points, but the Amex Blue Business Plus is one of them. Not only that, you'll earn 2 Membership Rewards points for every dollar you spend (on up to $50,000 each year). That's a fantastic return of 4% back based on TPG's valuation, making this a great option for your small-business needs.” — Nick Ewen, director of content
The American Express Blue Business Cash™ Card is a great option for business owners who don’t want to pay an annual fee (see rates and fees) and prefer to earn cash back instead of Membership Rewards points. You’ll earn 2% cash back on all eligible purchases on up to $50,000 each calendar year, then 1% on all purchases after.
This card offers at least 1% cash back on all purchases, 2% cash back on dining purchases, and 3% in a chosen category with no annual fee. Bonus rewards apply to spending up to $50,000 yearly (then 1% thereafter), and Preferred Rewards for Business members can earn up to 75% more rewards. However, with foreign transaction fees, it might not suit frequent international business travelers.
Business owners and freelancers who want a no-annual-fee card and the flexibility to choose a 3% cash-back category should use this card. This card is also very useful for business owners and Uber and Lyft drivers who drive EVs — they can get 3% cash back on EV charging as this is combined with the gas category.
This card should be in your wallet because of the ability to choose a category to earn 3% cash back. You can choose gas for this category but still receive an extra 2% cash back on dining. If you have a business checking account with Bank of America and are a Preferred Rewards member at the Platinum tier, you can earn up to 75% more cash back on every purchase.
Consider the Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card if you want a card that does not have an annual fee and you want to stay inside the Bank of America ecosystem. This card offers 1.5% cash back on all purchases with no spending cap. Bank of America Preferred Rewards members can earn over 2.5% cash back with this card.
The Ink Business Cash Credit Card offers 2% cash back at gas stations and restaurants (on up to $25,000 in yearly purchases), along with 5% back on office supplies and telecommunications purchases. When paired with a premium Chase Ultimate Rewards card, its cash back can be converted to transferable points, potentially doubling the value of its welcome bonus.
This card is an excellent choice for business owners, sole proprietors and Uber or Lyft drivers who want a simple 2% cash-back earning structure on gas station and restaurant purchases. This card also gives business owners a high earning rate on office supplies and phone and internet services.
This card should be in your wallet because of its solid 2% cash back on gas station and restaurant purchases. The 5% cash back on internet and phone services and office supplies provides a great earning rate for common purchases for business owners and sole proprietors alike. Furthermore, this card won’t add to your Chase 5/24 count.
Those who might want an even simpler earning structure might opt for the Chase Ink Business Unlimited® Credit Card, which earns 1.5% cash back on all purchases without any spending limits.
The Capital One Spark Cash Plus is a great card for business owners looking for simplicity as all purchases, including at gas stations, earn 2% cash back and there are no foreign transaction fees. It does come with a $150 annual fee, but if your business spends a lot every year, this card may be a good fit for you.
Business owners or sole proprietors with very high yearly spending who want a 2% cash-back earning structure on all purchases. If you spend $150,000 or more on the card, the annual fee is waived.
This card should be in your wallet if you prefer to earn a flat 2% cash back and spend large amounts annually. This card also earns 5% cash back when you book travel through Capital One Travel, which can be an option for booking any business or company travel. Lastly, the lack of foreign transaction fees is great for business travelers who go abroad frequently.
Consider the Capital One Spark Cash Select if you want a business card with no annual fee (see rates and fees). This card offers a flat 1.5% cash back on all purchases. With the Spark Cash Select card, you sacrifice earning an extra half-percent of cash back on purchases but have no annual fee.
The Costco Anywhere Visa Business Card by Citi mimics the consumer version with no annual fee and a strong earning rate on Costco and everyday purchases. However, the benefit of carrying a business card is that you can separate your business and personal expenses, making it easier to keep your finances in check.
Business owners and sole proprietors who frequently shop at Costco should use this card as it earns 5% on Costco gas purchases and 4% cash back on other eligible gas and electric vehicle charging, on up to $7,000 yearly in combined spend. Costco is known for its cheaper gas prices than your standard gas stations, and with the discounted gas prices and 5% cash back, you save more money and earn more cash back. This card does not have an annual fee but requires you to have a Costco Business membership, which starts at $60.
Business owners with Costco memberships should carry this card because of the 5% cash back on gas purchases and 4% on other eligible gas and EV charging purchases (on up to $7,000 in combined purchases, then 1% after) and 2% cash back on Costco purchases. Costco only accepts Visa credit cards in warehouses, so if you frequently visit, you should have this card that is accepted and maximizes your cash-back earnings.
Consider the Chase Ink Business Unlimited® Credit Card if you want a credit card that does not require a Costco membership. This card offers 1.5% cash back on all purchases with no spending caps and is on the Visa network, so it will work inside Costco warehouses.
The American Express Business Gold card earns 4 points per dollar on your top two spending categories each billing cycle, including gas stations (on up to $150,000 in combined yearly purchases, then 1 point per dollar thereafter), with at least 1 point per dollar on other spending. Though it comes with a substantial annual fee of $375, it's ideal for high-spending small businesses seeking flexible rewards, as Membership Rewards points can be transferred to more than 20 partners.
Business owners who want the flexibility to earn 4 Membership Rewards points per dollar in their top two spending categories each billing cycle should use this card. Membership Rewards points can be transferred to one of Amex’s transfer partners to receive outstanding value.
“No other card provides the earning potential and adaptability this card has. Sure, its annual fee isn’t cheap, but I love the fact I don’t need to think about what purchases I put on this card. It will automatically adapt and provide 4 points per dollar in my top two spending categories each billing cycle (on up to $150,000 of these purchases yearly, then 1 point per dollar).” — Ryan Smith, former credit cards writer
Those looking for a similar mid-tier business card that earns flexible rewards should consider the Capital One Venture X Business. This card totes a $395 annual fee (see rates and fees), but the myriad benefits can easily offset its annual fee.
The card offers automatic Diamond status and multiple elevated earnings in common business spending categories.
*The information for the Wyndham Rewards Earner Business card and Wyndham Earner Plus Card have been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
If you’re a small business owner who frequents Wyndham properties, you can greatly benefit from the benefits offered by the Wyndham business card.
“The Wyndham Rewards Earner Business Card is always at the top of my wallet when I’m on the road in the U.S. Its 8 points per dollar on gas is unmatched, especially when you consider that the card also lets cardmembers redeem 10% fewer Wyndham points for go-free award nights.” – Katie Genter, senior points and miles writer
If you’re looking for a lower annual fee card that still earns elevated rewards at Wyndham properties, consider the Wyndham Rewards Earner® Plus Card.
How we rate cards
How to choose a business gas credit card
- It is important to select a card that has a minimum spend that you can responsibly achieve as a welcome bonus is a crucial aspect of a card’s value. It can be difficult to earn the equivalent of a card’s welcome bonus through spending alone, so choose wisely.1Sign-up bonus
- You should decide what benefits and perks are important to your business, as many premium cards come with great perks and a lofty annual fee. If your business can benefit from the perks, it can be worth it to consider a card with an annual fee.2Annual fee
- A great way to determine the best business gas credit card for you is to reflect on your current spending. Many cards feature bonus categories like dining and travel; choose the card with bonus categories that best match your spending and your business needs.3Bonus categories
Pros + cons of business gas cards
Pros
- Using a business gas card responsibly can help build your business credit score
- Business gas cards often earn great rewards on fuel purchases and other business expenses, which can provide cost savings for businesses
- Most business gas cards come with fraud protection and monitoring
Cons
- Some business gas cards feature great perks at the cost of a lofty annual fee that might not be worth it for certain businesses with smaller budgets
- Carrying a balance could negatively impact your credit score
Frequently asked questions
First, determine which business gas card is right for you and if you meet the eligibility criteria and qualify. For all business credit card applications, you will need a taxpayer identification number, which can be your Social Security number or employer identification number. Once you meet any criteria set forth by the bank, gather any necessary documents and paperwork, and you can apply through the links above.
You might have a higher chance of approval for business cards that require just a “good” credit score (above 670) rather than an “excellent” one (above 800). An easier path to approval for your first business credit card is if you already have a banking relationship with one of the credit card issuers.
The best card for small businesses depends on your business's needs. Examine whether paying an annual fee to earn more rewards in the gas category is worth it. Alternatively, you could pay no annual fee but earn fewer rewards. Additionally, choose the type of rewards you want to earn, whether that’s cash back or a transferable points currency such as Chase Ultimate Rewards or American Express Membership Rewards points.
Contrary to popular belief, you don’t have to own a business to get a business credit card. You can be a freelancer, sole proprietor or independent contractor for gig apps like Uber and DoorDash. Note that many business cards require good to excellent credit scores to be approved.