Best business credit cards for gas

The best business gas card is no longer the card tied to specific gas stations.

You can use any card as a designated business gas card for gas purchases only. But why would you?

Instead, your business gas cards can be used for both gas purchases and qualifying purchases to earn cash, rewards, and other benefits.

It’s better to choose a card that earns you value on combined purchases, including gas. The first – the World Elite World Elite Business Triple Cash Rewards Mastercard from US Bank – offers 3% cash back on purchases at EV stations.



What are business gas credit cards?

As we said, business gas cards are tied to gas stations, and you won’t get exactly the same answer as if you asked what business credit cards are. They are also called fuel cards and fuel cards can only be used at certain gas stations.

You can still get this type of business card. But you’ll save money on gas by combining other eligible purchases to get more value using the card. So the next question is why should I get a business credit card?

Why You Should Consider Getting a Gasoline Credit Card for Your Business

  1. It is always easy for a business owner to track gas expenses using a general business card. Even though credit cards are used for other business purchases, credit card companies will separate your purchases by category.
  2. You’ll get more benefits, such as rewards or cash back, than with gas station-specific cards.
  3. It’s easy to practice social distancing. You might get a better discount by paying cash, but you have to go inside to do that. Your card is cleaner than the change you get back. However, you should put on gloves or disinfect after touching the fuel pump, considered one of the most contaminated objects you will encounter.
  4. Credit or debit. You should never use a debit card when paying for gas. When you use a gas credit card, the funds are not withdrawn immediately. When you use a debit card and your PIN, funds are instantly available. Debit cards are easier targets for gas pump skimmers.

7 Best Gas Credit Cards for Small Business

Here are our picks for the best business gas credit card. These small business credit cards aren’t just for gas purchases.

We have chosen different types of credit cards that will give you the best value for all your purchases, including gas. You can be approved for these cards with good or, in some cases, fair credit.

1. American Express Business Gold Card

Would you like 0% APR for a year and lots of reward points? Then the American Express Business Gold is a good business credit card choice for you.

  • Annual fees: $295
  • APR: 0% for one year after opening the account, then 14.24 to 22.24% variable after the anniversary year of the account.
  • Credit required: Good
  • Advantages: 80,000 reward points after spending and paying for qualifying purchases of $10,000 in the first 3 months.

2. American Express Blue Business Cash Card

No annual fee and 0% APR for 12 months Blue Business Cash Card from American Express a good option as a business credit card.

  • Annual fees: $0
  • APR: 0% for 12 months from account opening, then 13.24 to 19.24%
  • Credit required: Good
  • Advantages: You will get a $500 credit after spending $5,000 in the first 3 months.

3. Marriott Bonvoy Business™ American Express® Card

If you become a Marriott Bonvoy Business member, you will earn 4-6 times the point value with the Marriott Bonvoy Business American Express Card.

  • Annual fees: $125
  • APR: 15.74 to 24.74%
  • Credit required: Good
  • Advantages: Earn 75,000 bonus points after $3,000 in purchases in the first 3 months, plus you’ll get $150 statement credit and an additional free night. If you purchase a business card subscription, you’ll earn 6x points for purchases at participating hotels and 4x points on wireless phone services and gas purchases. Rewards increase the more you use the card as you earn Gold Elite status.

4. US Bank Business Triple Cash Rewards World Elite™ Mastercard®

You can earn credit card rewards on gas purchases or refills at EV stations with the Business Cash Back Credit Cards | American Bank (usbank.com).

  • Annual fees: $0
  • APR: o % intro APR for 15 billing cycles from the anniversary of the card account.
  • Credit required: Good
  • Advantages: You’ll get $500 cash back if you spend $4,500 in 150 days. You’ll earn 3% cash back on your purchases at gas stations and EV stations. You will earn 3% cash back on combined net purchases of telephone services (including cell phone service providers), restaurants and office supply stores.

5. Chase Ink Business Cash® Credit Card

You’ll get a whopping 5% cash back on specified combo purchases and business expenses with the Ink Business Cash Credit Card: Cash Back | hunt.

  • Annual fees: $0
  • APR: 0% intro APR for 12 months, then 13.24 to 19.24%
  • Credit required: Good
  • Advantages: There is no preset spending credit limit and bonus rewards increase as you spend, earning you Chase ultimate reward status. You’ll earn 5% cash back on office supply purchases and other qualifying net purchases, including recurring internet, cable, phone, and software subscription spend. You’ll get a $750 credit after spending $7,500 in the first three months. Spend another $7,500 over the next three months and you’ll get another $750 credit.

6. Discover IT

You’ll get 5% cash back on gas, making it a winner for fleet fuel cards. Do you buy on Amazon? You’ll also get 5% cash back on those purchases. If your credit is bad or fair, you can get a Discover it card by choosing to make it a “secure” card with a cash deposit.

  • Annual fees: $0
  • APR: 11.99 to 22.99%
  • Credit required: Poor to Excellent.
  • Advantages: 5% cash back on Amazon and gas purchases make Discover IT a leader in small business credit cards. You will also earn 5% cash back on the Pay Pal portal if you choose to pay with the Discover IT card.

7. Shell Small Business Card

As a professional branded gas card – tied to a specific type of gas – the Shell Card is a great fleet card. In addition to the account holder card, you can also get free employee cards. You can select a predefined spending limit on individual employee cards with Shell branded professional gas cards.

  • Annual fees: $0
  • APR: 23-29%
  • Credit required: Fair
  • Advantages: 10 cents per gallon reward on gas purchases for the first 6 months. You can also use the Shell Card at Jiffy Lube.

What are the easiest gas credit cards for businesses to get?

You can get the Chase Ink Business Payment Card with fair to good credit. You don’t have to spend a lot – $7,500 in 3 months – to get the $750 credit back. Then you can spend $7,500 over the next 3 months and get another $750 credit.

In the meantime, you’ll be about to spend $25,000. Once you hit that total, you’ll get 5% back on purchases such as office supplies, cable, internet, and phone charges.

Is this the best business credit card? It’s a top choice for many small business owners.

Are gas cards good for building credit?

Yes. Many cards have a 0% APR for the first 12 months, making them a good choice for purchases and balance transfers. You can make payments without interest being added to the total due, which improves your score with major credit bureaus.

Image: Depositphotos