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Best Business Gas Credit Cards of June 2022

Written by Kelsey Sheehy
Edited by Ryan Lane
Last updated on May 20, 2022

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Business gas credit cards let you cash in at the pump. If your small business is constantly on the road, opting for a business credit card with a strong rewards rate for gas station spending — at least 3% cash back — may make sense.
Consider all of your purchases. Small-business credit cards offer generous benefits for many business expenses, not just gas. Pick a card that will maximize your total rewards. That may be one that offers 2% cash back on fuel, but 5% on office supplies.
Factor in flexibility. Some business fuel credit cards offer high rewards rates but are pegged to a specific gas station, which may not be ideal for your business.
Some of our selections for the best business credit cards for gas can be applied for through NerdWallet, and some cannot. Below, you'll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.

Here are 6 options for you from our partners

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Credit card
NerdWallet rating
Annual fee
Rewards rate
Intro offer
Learn more

Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card

Apply now

on Bank of America's website

3.6/5

Best for Overall business gas card - Up to 3% cash back at gas stations

$0

1%-3%

Cashback

$300

Apply now

on Bank of America's website

Ink Business Cash® Credit Card

Apply now

on Chase's website

5.0/5

Best for Cash back bonus categories - 2% on gas, 5% on bonus categories

$0

1%-5%

Cashback

$750

Apply now

on Chase's website

Capital One Spark Cash Plus

Apply now

on Capital One's website

4.4/5

Best for Flat-rate cash back - 2% on all purchases

$150

2%-5%

Cashback

$1,000

Apply now

on Capital One's website

Marriott Bonvoy Business™ American Express® Card

Apply now

on American Express's website

4.1/5

Best for Hotel credit card with 4X points at U.S. gas stations

$125

2x-6x

Points

75,000

Points

Apply now

on American Express's website

Rates & Fees

American Express® Business Gold Card

Apply now

on American Express's website

3.9/5

Best for Business gas credit cards with rewards - 4X points plus welcome offer

$295

1x-4x

Points

70,000

Points

Apply now

on American Express's website

Rates & Fees

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

Apply now

on US Bank's website

4.7/5

Best for 3% cash back and long intro APR

$0

1%-3%

Cashback

$500

Apply now

on US Bank's website

Rates & Fees

Our pick for

Overall business gas card - Up to 3% cash back at gas stations

Read Review
Apply now

on Bank of America's website

Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card

3.6
NerdWallet rating 
Read Review
Apply now

on Bank of America's website

Annual fee

$0

Rewards rate

1%-3%

Earn 3% cash back in the category of your choice, 2% cash back on dining and unlimited 1% cash back on all other purchases. You'll get 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.

Cashback

Intro offer

$300

Get a $300 statement credit online bonus after you make at least $3,000 in net purchases in the first 90 days of your account opening - with no annual fee and cash rewards don't expire.

Recommended Credit Score
720-850excellent

Pros

  • No annual fee
  • High rewards rate
  • New cardholder bonus offer
  • Intro APR period
  • Rotating bonus categories

Cons

  • Requires excellent credit
  • Complicated rewards
  • Foreign transaction fee
  • Spending caps on bonus rewards
  • Best rewards limited to certain customers

Our pick for

Cash back bonus categories - 2% on gas, 5% on bonus categories

Read Review
Apply now

on Chase's website

Ink Business Cash® Credit Card

5.0
NerdWallet rating 
Read Review
Apply now

on Chase's website

Annual fee

$0

Rewards rate

1%-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, 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 card purchases with no limit to the amount you can earn

Cashback

Intro offer

$750

Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.

Recommended Credit Score
690-850good - excellent

Pros

  • No annual fee
  • Intro APR period
  • New cardholder bonus offer

Cons

  • Requires good/excellent credit
  • Low rate outside bonus categories
  • Spending caps on bonus rewards

Our pick for

Flat-rate cash back - 2% on all purchases

Read Review
Apply now

on Capital One's website

Capital One Spark Cash Plus

4.4
NerdWallet rating 
Read Review
Apply now

on Capital One's website

Annual fee

$150

Rewards rate

2%-5%

Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.

Cashback

Intro offer

$1,000

Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening.

Recommended Credit Score
690-850good - excellent

Pros

  • Earns cash back on primary and employee cards
  • Rewards don’t expire
  • No foreign transaction fees

Cons

  • Balance must be paid in full every month
  • Has annual fee

Our pick for

Hotel credit card with 4X points at U.S. gas stations

Read Review
Apply now

on American Express's website

Marriott Bonvoy Business™ American Express® Card

4.1
NerdWallet rating 
Read Review
Apply now

on American Express's website

Annual fee

$125

Rewards rate

2x-6x

6x points at hotels participating in the Marriott Bonvoy™ program. 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases. Terms Apply.

Points

Intro offer

75,000

Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in purchases within the first 3 months. Terms Apply.

Points

Recommended Credit Score
690-850good - excellent

Pros

  • Anniversary perk
  • High rewards rate
  • Automatic elite status

Cons

  • Has annual fee
  • Rewards have limited flexibility
  • Lower acceptance abroad

Our pick for

Business gas credit cards with rewards - 4X points plus welcome offer

Read Review
Apply now

on American Express's website

American Express® Business Gold Card

3.9
NerdWallet rating 
Read Review
Apply now

on American Express's website

Annual fee

$295

Rewards rate

1x-4x

Earn 4X Membership Rewards points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. 4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year. Terms Apply.

Points

Intro offer

70,000

Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership. Terms Apply.

Points

Recommended Credit Score
690-850good - excellent

Pros

  • Bonus categories
  • Transfer partners
  • Luxury perks
  • Bonus categories

Cons

  • Has annual fee
  • Complicated rewards
  • Spending caps on bonus rewards
  • Requires good/excellent credit

Our pick for

3% cash back and long intro APR

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

4.7
NerdWallet rating 
Annual fee

$0

Rewards rate

1%-3%

Earn 3% cash back on eligible purchases at gas stations, office supply stores, cell phone service providers and restaurants. Earn 1% cash back on all other eligible net purchases

Cashback

Intro offer

$500

Limited Time Offer: Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.

Recommended Credit Score
690-850good - excellent

Pros

  • Bonus cash back categories
  • No annual fee
  • Intro APR period on purchases and balance transfers

Cons

  • Requires good/excellent credit
  • Low rate outside bonus categories

FULL LIST OF EDITORIAL PICKS: BEST BUSINESS CREDIT CARDS FOR BAD CREDIT

Click the card name to read our review. Before applying, confirm details on the issuer’s website.
Our pick for: Overall business gas card - Up to 3% cash back at gas stations
The
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
gives entrepreneurs a little control over their credit card rewards by letting them choose which category earns the highest cash-back rate. Options include gas stations, office supplies, travel, computer services and more. There are also bonus rewards on dining and no annual fee. Read our review.
Our pick for: Cash back bonus categories - 2% on gas, 5% on bonus categories
If your business's spending matches the bonus categories on the
Ink Business Cash® Credit Card
, you can rack up some serious cash back. (If not, then look elsewhere.) There's an excellent sign-up bonus for a no-annual-fee cash-back card, plus an introductory APR period for purchases. Read our review. 
Our pick for: Flat-rate cash back - 2% on all purchases
The
Capital One Spark Cash Plus
is an excellent option for business operators whose expenses don't fall into the bonus categories on other business credit cards. You get a high, flat rewards rate on every purchase, with no limit to how much you can earn. Just make sure that you can pay off your spending in full each month, as this is a charge card that doesn't let you revolve a balance. Read our review.
Our pick for: Hotel credit card with 4X points at U.S. gas stations
The
Marriott Bonvoy Business™ American Express® Card
can pay for itself just with the automatic free night's stay every year. Add in automatic elite status, generous rewards, a dandy welcome offer and more, and it's hard to go wrong. Terms apply. Read our review.
Our pick for: Business gas credit cards with rewards - 4X points plus welcome offer
The rewards on the
American Express® Business Gold Card
adjust according to your spending: The card has six bonus categories, such as travel, U.S. restaurants and U.S. gas stations. You automatically earn bonus rewards in the two categories where you spend the most each month. That can translate into outstanding rewards, as long as your business spends money in those categories. If it doesn't, the steep annual fee probably isn't worth it. Read our review.
Our pick for: 3% cash back and long intro APR
The
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
is a solid cash-back card for business owners.
Earn 3% cash back on eligible purchases at gas stations, office supply stores, cell phone service providers and restaurants. Earn 1% cash back on all other eligible net purchases
. Plus, the card offers a competitive welcome bonus and
0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 Billing Cycles, and then the ongoing APR of 14.74%-23.74% Variable APR
— all with a $
0
annual fee. Read our review.

Wells Fargo Business Secured Credit Card

Our pick for: Business gas cards for bad credit - 1.5X points on all purchases
If you’re interested in cash rewards, the Wells Fargo Business Secured Credit Card offers 1.5% back for every $1 spent with no maximum. You can also opt for points-based rewards, with each dollar worth a point. You’ll earn a bonus 1,000 points by spending more than $1,000 in a monthly billing period. Wells Fargo does not charge an annual fee for this card.
The information related to the Wells Fargo Business Secured Credit Card has been collected by NerdWallet and has not been reviewed or provided by the issuer or provider of this product or service.

Costco Anywhere Visa® Card by Citi

Our pick for: Gas card for wholesale club members - 4% cash back on gas 
The
Costco Anywhere Visa® Card by Citi
turns everyday spending into rewards you can redeem at Costco (although you can only redeem them once a year). You earn bonus rewards on gas, at restaurants, on travel and at Costco itself. There's no annual fee for the card, but you have to be a Costco member (which does require a fee). Read our review.

Is a business gas credit card right for you?

Before going all-in on a gas credit card for your business, examine your books and determine where your company does the bulk of its spending.
Are you wining and dining clients or on a first-name basis with the office supply store? How your business spends can help you narrow down the best business credit cards for your company.
If keeping a fleet of vehicles filled with fuel or gas is among your primary expenses, a business gas credit card can be a no-brainer. But if your primary business expenses fall across multiple categories, a straightforward cash-back business credit card might yield greater rewards.

Should you get a branded business gas card?

Think twice before picking a fuel card that pigeonholes you into a specific gas station. Branded business gas cards from Shell and ExxonMobil, for example, offer a fuel discount of 6 cents per gallon. That works out to 2% savings, assuming gas prices hover around $3 per gallon. But you can earn those rewards only at that specific gas station chain. You’ll get better perks and more flexibility with a general business credit card.
Branded gas cards aren’t always a no-go, though. If your employees are on the road and you want to keep spending in check, a branded gas card may do the trick. These cards can typically be used only at gas stations. And you can control when, where and what the card is used for, an appealing feature for some business owners.
Last updated on May 20, 2022

To recap our selections...

Best Business Gas Credit Cards of June 2022

Methodology

NerdWallet's Credit Cards team selects the best credit cards for small business based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of small-business operators. Factors in our evaluation include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as special financing arrangements, free cards for employees or tools for managing business expenses.