Americans have some of the highest car-usage rates in the world, and small business owners are no exception. If you often find gas to be at the top of your list for business expenses, it may be a good idea to use a credit card that features high reward rates for gas stations. Below are some top business card picks for the next time you (or one of your employees) are filling up the tank.
- 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 12-month 0% APR for purchases, and if you apply today, you can take home a best-ever bonus of $900 cash back after you spend $6,000 on purchases in the first 3 months after account opening.
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 sign-up offer, making it one of the best sign-up offers available for business cards. Read more about the Ink Business Cash Credit Card here.
- 3% 3% cash back in the category of your choice (on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter).
- 2% 2% cash back on dining purchases (on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter).
- 1% 1% unlimited cash back on all other purchases.
Why We Chose It: 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, all for no annual fee. Bonus earning rates are applicable for up to $50,000 in combined spending in a calendar year — though if you’re a Bank of America Preferred Rewards member, you can enjoy up to 75% more rewards on all purchases. In addition, the card offers 0% APR for the first nine months 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.
- 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- 2% Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
The Capital One Spark Cash Plus is a great business card for business owners looking for simplicity. All purchases, including gas stations, earn 2% cash back, a higher than normal earning rate for a cash-back card. In addition, the card offers unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. The Spark Cash Plus also offers no foreign transaction fees, which makes it a great pick for business travelers. 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. Read more about the Capital One Spark Cash Plus here.
- 4X Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month.
- 1X 1X is earned for other purchases. **
- 25% Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
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, and 1 point per dollar on all other purchases. American Express Membership Rewards points are transferable to 17 airlines and three hotel transfer partners, but if you use your points for a flight with Amex Travel, you can get 25% of your points back thanks to the Pay With Points feature. The Amex Business Gold card is not for everyone with its hefty $295 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.
- 2X Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners
- 1X 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter
The Blue Business Plus Credit Card 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. In addition, the card offers a welcome bonus of 15,000 Amex points, which can be transferred to 20 different partners. Based on creditworthiness, new card members can also qualify for an introductory APR of 0% for up to 12 months. 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.
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|Card||Best for||Welcome Offer/Sign Up Bonus||Earning Rate||Annual Fee|
|Ink Business Cash® Credit Card||Best for Chase Ultimate Rewards||$900||
|Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card||Best for Bank of America Preferred Reward Members||$300||
|Capital One Spark Cash Plus||Best for unlimited flat-rate earning||Up to $1,000 cash bonus||
|American Express® Business Gold Card||Best for rewards earning||70,000 points||
|The Blue Business® Plus Credit Card from American Express||Best for no annual fee reward earning||15,000 points||
||No annual fee|
What is the best business gas card?
Gas expenses can add up quickly, especially if your business requires a lot of driving and traveling. For some businesses, getting a business gas card can be a great way to earn cash-back or reward points on a business expense. The cards above were chosen for their high earnings at gas stations, but only you can decide the best card for your business spending needs.
A card like the Capital One Spark Cash Plus may be a great fit for a business that has extensive purchases of both gas and other items throughout the year, thanks to its unlimited 2% cash-back rate. This card is also ideal if you don’t want to worry about travel rewards and instead are looking for cash back to reinvest in your operations.
However, a smaller business with lower spending may find the Blue Business Plus a better fit with its no annual fee, 15,000-point sign-up bonus and 2 points per dollar earning rate. These rewards can also help unlock free travel.
Do I need a business credit card for gas?
This depends on you. Is gas a primary expense for your business? If not, you can skip getting a business card specifically for gas and continue with your existing business credit card portfolio. If the bulk of your business expenses is gas, getting a business credit card that earns high rates at the gas station is definitely a great idea.
Note that many of the above cards also allow you to add authorized user cards for no additional fee. This can be especially valuable for businesses with employees who frequently travel — like sales representatives visiting clients in a large territory or delivery drivers who take your goods to customers. Just be aware that you’re responsible for any purchases on these cards as the primary cardholder.