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Best Gas Cards for Businesses of June 2024

Gas prices have risen steadily, making it more difficult for business owners to keep their transportation expenses in check. Whether you manage a vehicle fleet or just do a lot of driving for work, you’re leaving money on the table if you’re not using business gas cards to earn cash back and other rewards.

We reviewed nine gas cards for businesses to determine which ones offer the best perks.

We’ll look at:

  • Which business gas credit cards offer the most cash back
  • Pros and cons of using credit cards to pay for gas
  • How to maximize your rewards on every gasoline purchase

Our top picks for the best business gas credit cards

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Best for simple cash back

American Express Blue Business Cash™ Card

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Up to 2% Reward Rate

Earn 2% cash back on up to $50,000 in combined purchases each year, then 1%. Cash back earned is automatically credited to your statement.

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Annual Fee
$0
Welcome Offer
$250
Regular APR
18.49% to 26.49% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
While some business credit cards have separate reward categories for different purchase types, The American Express Blue Business Cash™ Card keeps things simple with 2% back on all eligible business purchases (on up to $50,000 per year, then 1%).
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Card Details

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  • 0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
  • 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 not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
  • Terms Apply.
Pros
  • No annual fee
  • High rewards rate
  • Simple cash back structure
Cons
  • Spending cap for 2% rewards
  • Requires good to excellent credit
  • Limited redemption options

Best for brick-and-mortar businesses

Ink Business Cash® Credit Card

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Up to 5% Reward Rate

Earn 5% cash back in select business categories (on up to $25,000 per year) and earn 2% cash back at gas stations and restaurants (on up to $25,000 per year). Earn 1% cash back on all other purchases.

Annual Fee
$0
Welcome Offer
Up to $750
Regular APR
18.49% to 24.49% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
If your business spends somewhat heavily on traditional business expenses like office supplies and telecommunication services, the Ink Business Cash® Credit Card could make a handy addition to your wallet. With 5% back on your first $25,000 spent in these categories, you could rack up over $1,200 in rewards per year just by buying normal business things with this card. On top of that, you can earn 2% back on your first $25,000 spent on combined gas station and restaurant purchases, easily furthering your cash-back earning efforts.

Best for maximizing cash back

American Express® Business Gold Card

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Up to 4X Reward Rate

Earn 4X Membership Rewards® points (up to the first $150,000 in purchases per year, then 1X points) on 2 categories where your business spends the most each billing cycle and 1X points on other eligible purchases.

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Annual Fee
$375
Welcome Offer
70,000 points
Regular APR
19.49% to 28.49% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
The automatically adjusting bonus categories of the American Express® Business Gold Card can help savvy business owners earn 4X points on their top two eligible spending categories each month (one of which is purchases at U.S. gas stations).
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Card Details

More card info

  • 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 $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. $12.95 plus applicable taxes.
  • Your Card – Your Choice. Choose from Gold or Rose Gold.
Pros
  • Earns Membership Rewards points for flexible redemption options
  • 4X points categories adapt to your spending automatically each billing cycle
  • Generous welcome offer
Cons
  • High annual fee
  • Spending cap of $150,000 annually for 4X rate
  • High spending requirement for welcome offer

Best for unlimited cash back

Capital One Spark Cash Plus

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2% Reward Rate

Earn unlimited 2% cash back on all purchases.

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Annual Fee
$150
Welcome Offer
$1,200
Regular APR
N/A
Recommended Credit
Excellent (740 - 850)
Why we like it
Some cards have spending caps on their high reward rates, so if you’re a heavy spender, you may be stuck with a sub-par rate for a while. Never fear, the Capital One Spark Cash Plus earns an unlimited 2% back on everything you buy.
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Card Details

More card info

  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • Get your annual fee refunded every year you spend $150,000
  • Rewards won’t expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees
Pros
  • Generous welcome offer for high spenders
  • High 2% cash back rate
  • Charge card, so no APR
Cons
  • No bonus categories
  • Must pay card in full each month
  • Has an annual fee

Best for IHG hotels

IHG One Rewards Premier Business Credit Card

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Up to 26X Reward Rate

Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts, earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants, and earn 3 points per $1 spent on all other purchases.

Annual Fee
$99
Welcome Offer
140,000 bonus points
Regular APR
21.49% - 28.49% Variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
The IHG One Rewards Premier Business Credit Card offers 5X points on purchases made at gas stations, so if you’re on your way to your IHG hotel for a business trip and your low fuel light comes on, you can fill up your tank and earn points. Prior to that, when you’re booking your hotel stay, you can earn up to 26X points on that purchase. And to top it all off, every year that you’re a cardholder, you’ll get a complimentary free night. It might not be the highest-earning gas credit card, but if you frequent IHG hotels, it could be worth considering.

Best for simple travel rewards

Capital One Spark Miles for Business

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Up to 5X Reward Rate

Earn 5X miles on all hotel and car rental purchases through Capital One Travel and 2X miles on all other purchases.

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Annual Fee
$0 for the first year, then $95
Welcome Offer
50,000 miles
Regular APR
26.24% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
It’s not as reward-heavy as some business travel cards, but the Capital One Spark Miles for Business earns simple, flexible rewards and has a low annual fee.
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Card Details

More card info

  • Transfer your miles to 15+ travel loyalty programs
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry
  • Free employee cards which also earn unlimited 2X miles from their purchases
Pros
  • High rewards rate
  • Free employee cards
  • Two complimentary visits each year to Capital One Lounges or Plaza Premium Lounges
Cons
  • Has an annual fee after the first year
  • High APR
  • No intro APR

Best for premium travel

Capital One Venture X Business

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Up to 10X Reward Rate

Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights booked through Capital One Travel, earn unlimited 2X miles on all other purchases.

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Annual Fee
$395
Welcome Offer
150,000 miles
Regular APR
N/A
Recommended Credit
Excellent (740 - 850)
Why we like it
The insane welcome bonus, easy-to-earn rewards, and premium travel perks can easily make the Venture X Business’ $395 annual fee well worth it.
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Card Details

More card info

  • This card has no preset spending limit, so you get purchasing power that adapts to your spending needs.
  • Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
  • Every year, you’ll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings through Capital One Travel
  • Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
  • Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry. Then enjoy unlimited complimentary access to Capital One Lounges and a network of 1,300+ lounges worldwide, including Priority Pass™ and Plaza Premium Group lounges
  • This is a pay-in-full card, so your balance is due in full every month
  • Elevate your stay at luxury hotels and resorts from the Premier Collection with a $100 experience credit and other premium benefits on every booking
Pros
  • Can qualify for hundreds of dollars in credits each year
  • Unlimited access to Capital One Lounges
  • Global Entry or TSA PreCheck credit
Cons
  • High annual fee
  • Can’t carry a balance from month to month
  • Excellent credit required

Best for Marriott hotels

Marriott Bonvoy Business® American Express® Card

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Up to 6X Reward Rate

Earn 6X points per dollar on eligible purchases at hotels participating in the Marriott Bonvoy® program, 4X points at restaurants worldwide, at U.S. gas stations, on U.S. wireless telephone services purchased directly, and on U.S. shipping purchases, and 2X points on all other eligible purchases.

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Annual Fee
$125
Welcome Offer
LTO: 5 Free Night Awards
Regular APR
20.99% to 29.99% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
For a low $125 annual fee, the Marriott Bonvoy Business® American Express® Card is full of insanely good perks. Namely, a Free Night Award every year that can easily cover the cost of the annual fee by itself.
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Card Details

More card info

  • Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
  • Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Award can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
  • Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.
  • Terms apply.
Pros
  • Earn a free night award annually
  • Automatic elite status
  • Generous welcome offer
Cons
  • Has an annual fee
  • Limited redemption options

Best for Hilton hotels

The Hilton Honors American Express Business Card

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Up to 12X Reward Rate

Earn 12X points on eligible Hilton purchases, 6X points on eligible business spending at U.S. gas stations and U.S. restaurants, on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, 5X points on other eligible purchases on the first 100K spent per year, then 3X points.

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Annual Fee
$195
Welcome Offer
130,000 points
Regular APR
20.99% to 29.99% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
The Hilton Honors American Express Business Card comes with up to $240 back on eligible Hilton business expenses per year, a benefit that can offset the $195 annual fee entirely. Plus, this card offers 6X points on purchases made at U.S. gas stations.
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Card Details

More card info

  • Enjoy up to $240 back each year for eligible purchases made directly with Hilton.
  • Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay getting you to free nights faster.
  • You may receive an upgrade to Hilton Honors Diamond status through the end of the calendar year if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
  • Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentary Emerald Club® program is required. Terms apply.
  • Terms apply.
Pros
  • Automatic Hilton Gold status
  • 10 airport lounge visits each year with Priority Pass (enrollment required)
  • Ability to earn a free night with enough spending
Cons
  • Can only redeem points at Hilton hotels
  • Need good or excellent credit to qualify
  • No complimentary free night

Comparing the best business cards for gas purchases

Advertiser Disclosure
Card name
Best for
Reward rate
Welcome offer
Learn more

Best gas business credit cards: Editorial reviews

American Express Blue Business Cash™ Card

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The American Express Blue Business Cash™ Card gives you 2% back on your first $50,000 in purchases each year, making it ideal for small businesses. Once you hit the cap, you earn 1% back on every eligible purchase.

One thing we love about Blue Business Cash is that it’s easy to use. You earn the same amount of cash back in every category, so you don’t have to track your spending or try to estimate your earnings on each transaction. The main drawback of using the card is the $50,000 spending cap. If your business spends more than $50,000 per year, consider getting a credit card with no annual spending limit.

▶︎ Read more: Amex Blue Business Cash review

Ink Business Cash® Credit Card

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The Ink Business Cash® Credit Card gives you 2% back on your first $25,000 in combined gas station and restaurant purchases each year, plus 5% back on your first $25,000 in combined office supply, cable, telephone and internet purchases. Thanks to the emphasis on telecommunications services, this is one of the best gas cards for businesses with brick-and-mortar locations.

We love that the Ink Business Cash® card comes with a generous welcome bonus. If you spend $6,000 within six months of opening your account, you’ll earn $750 in cash back— $350 after spending $3,000 in your first 3 months and an additional $400 after spending $6,000 in the first 6 months. Although this card comes with a lot of perks, the $25,000 spending cap is a bit low, so you may be better off with a different card if your business spends more than $25,000 per year in one or more bonus categories.

American Express® Business Gold Card

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The American Express® Business Gold Card gives you 4x Membership Rewards Points® on every purchase in your top two eligible spending categories, making it ideal for business owners who want to maximize their cash back. One of these categories is purchases at U.S. gas stations, so if you spend a lot on gas every month, you may be able to earn 4x points. You also earn 3x points on flights and prepaid hotels booked through AmexTravel.com and 1x points on all other eligible purchases.

We love that the American Express® Business Gold Card gives you a monthly statement credit to cover the cost of a Walmart+ membership. Walmart+ members get 10 cents off per gallon at Mobil and Exxon stations, making it even easier to reduce your overall gas costs. Because the card only gives you 2x points on travel booked through the Amex Travel portal, it may not be the best fit if you travel frequently and want to maximize your rewards on hotel and flight purchases.

▶︎ Read more: Amex Business Gold card review

Capital One Spark Cash Plus

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With the Capital One Spark Cash Plus, you get 2% cash back on every purchase. There’s no annual limit and no need to worry about spending categories. Spark Cash Plus users are also eligible for 5% back on hotels and rental cars booked via Capital One Travel.

We love that the Spark Cash Plus comes with a $1,200 cash bonus for users who spend $30,000 within three months of opening an account. The high bonus spending threshold makes this card ideal for established businesses that spend at least $10,000 per month. Capital One requires Spark Cash Plus users to pay their balances in full each month, so this card isn’t a great fit if you need time to pay.

IHG One Rewards Premier Business Credit Card

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Chase offers the IHG One Rewards Premier Business Credit Card, which is one of the most popular travel credit cards on the market. Users earn 5x points per dollar spent at gas stations, plus up to 26x points per dollar spent at hotels in the IHG portfolio. This card is best for users who travel frequently and prefer to stay at Holiday Inn Express, InterContinental Hotels and other IHG properties.

We love that IHG One Rewards Premier Business Credit Card users get a free night for every account anniversary. Because the card focuses on IHG benefits, it may not be the best fit if your company uses non-IHG hotels.

Capital One Spark Miles for Business

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Capital One Spark Miles for Business users earn 2x miles on every purchase, plus 5x miles on all hotel stays and rental cars booked through Capital One Travel. You also get purchase records, year-end summaries and other tools to help you streamline your accounting activities, making the Spark Miles for Business card a great fit for larger businesses with multiple users.

We love that Capital One offers several redemption methods, such as flights, vacation packages, hotel stays and loyalty program transfers. Because these redemption methods are all travel-related, the Spark Miles for Business Card may not be the best fit for your needs if you don’t travel frequently.

▶︎ Read more: Capital One Spark Miles Business card review

Capital One Venture X Business

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The Capital One Venture X Business is one of the best credit cards for travel, as it gives you 5x miles on all hotels and rental cars booked through Capital One Travel, a $300 annual travel credit, airport lounge access and other valuable travel benefits. You also get 2x miles on all other purchases, making the card ideal for earning rewards on gasoline purchases.

We love that Capital One allows cardholders to use their rewards without any blackout dates or other restrictions. The card also comes with a 150,000-mile bonus when you spend $30,000 within three months of opening an account, making it a good fit for any business that does a significant amount of spending each month. Like the Spark Miles for Business card, the Capital One Venture X Business emphasizes travel benefits, so it may not be right for you if you don’t travel often.

Marriott Bonvoy Business® American Express® Card

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The Marriott Bonvoy Business® American Express® Card gives you 4x points at U.S. gas stations, making it a great fit for any company that has a vehicle fleet or requires employees to drive their personal vehicles for business purposes. Users also earn 6x points on purchases at hotels included in the Marriott Bonvoy program, plus 2x back on all other purchases.

We love that cardholders qualify for a 7% discount on eligible stays and get one Free Night Award on every account anniversary. Because many card benefits relate to the Marriott Bonvoy program, the Marriott Bonvoy Business® American Express® Card probably isn’t the best fit if you don’t travel frequently or if your company uses a different hotel chain.

▶︎ Read more: Marriott Bonvoy Business card review

The Hilton Honors American Express Business Card

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With The Hilton Honors American Express Business Card, you earn 12x Hilton Honors Bonus Points for every dollar spent at participating hotels in the Hilton portfolio. Users also earn 6x points for every dollar spent on eligible purchases made at U.S. gas stations and 3x-6x points on other eligible purchases.

We love that the card comes with several valuable upgrades, such as complimentary Emerald Club Executive® status with National Car Rental. This makes it a great fit for business owners who travel frequently. If you don’t travel often or your company doesn’t use Hilton hotels, you may benefit from getting a different gas credit card.

▶︎ Read more: Hilton Honors Business card review

What is a business gas credit card?

A business gas credit card is a credit card that gives you points, discounts, miles, cash back or other rewards on your gasoline purchases.

If you use your card at an eligible gas station, you’ll earn at the rate listed in the credit card terms of service. For example, you may earn 4 miles per dollar spent or 2% cash back on each purchase.

Some gas stations, including Shell and Exxon Mobile, have their own savings programs, making it possible to stack your rewards.

Pros and cons of business gas credit cards

Pros
  • Rewards or discounts on gasoline purchases
  • Welcome bonuses available
  • Relaxed approval requirements for some cards
Cons
  • Some cards only work at eligible gas stations, limiting your earnings
  • May have higher interest rates than other cards
  • Some cards have spending caps

Who should get a business gas card?

Company gas cards are ideal for businesses that regularly have employees on the road. For example, if you employ several sales professionals, they may have to drive to trade shows and client meetings.

If you have a wide variety of expenses, a general cash-back credit card may be a better fit for your needs. Additionally, a business gas credit card may not be the best option for a company with a large vehicle fleet. Consider looking for the best fuel card available in your area.

How to choose the best gas business credit card

Before you apply for a gas credit card, consider these factors.

Redeeming rewards

Gas credit cards for businesses come with a variety of credit card rewards, such as statement credits and cash back with no annual fee. They can also offer discounts on flights and hotels. However, if travel benefits are what you are looking for, you may benefit more from a travel credit card. Look for a card that makes it easy to redeem your rewards. Otherwise, you may earn rewards that you never get to use.

Spending categories

Some cards give you the same amount of cash back on every purchase, while others have multiple spending categories with different reward rates. If you apply for a card with multiple spending categories, make sure those categories align with your business needs.

Employee cards

Many credit card companies offer additional cards, making it easier for employees to fill up while they’re on the road. If you want to give cards to multiple employees, look for a card issuer that offers this option.

Annual fee

Some companies charge annual fees of $150 or more, so it’s important to look for a card with just the right balance of fees and rewards. In some cases, it makes sense to pay a higher fee if the card comes with valuable benefits. Otherwise, choose a card with a low or no annual fee.

Rewards caps

As noted above, some credit cards have annual spending caps. For example, you may only earn the highest rate on your first $25,000 in purchases each year. To maximize your earnings, make sure you stay below the limit.

High-maintenance rewards programs

Once you earn your rewards, it should be easy to redeem them. Steer clear of cards with high-maintenance rewards programs that make you jump through hoops just to get a statement credit or a discount on your next purchase.

Other card benefits

The credit card market is a competitive one, so many companies try to stand out by offering additional benefits. For example, you may come across a card with 0% interest on all purchases for the first 12 months of membership.

Other companies offer extended warranties, purchase protection or extra account management features. Compare offers carefully to determine which one has the best combination of benefits for your business.

How to apply for a gas business credit card

To apply for a gas card, follow these steps:

  1. Compare several offers to find the right one for your needs.
  2. Visit the card website.
  3. Click on the application link.
  4. Fill out the application. You’ll need to provide your name, address, Social Security number and other personal details. Most banks also ask you to indicate whether you rent or own your home.
  5. Submit the application. You may be approved immediately, approved after a delay or denied.
  6. Read your denial letter carefully, if applicable. It explains why the bank denied your application.

Typically, a good credit score is required for a gas card, but it will depend on which card you want. Along with your credit score, banks will also look at your overall credit history when determining whether you qualify.

Can I apply for a gas business credit card without a business?

Yes, it’s possible to get a gas business credit card if you don’t own a business.

For example, if you’re a freelance graphic designer, you may qualify for a business credit card even if you haven’t formed an LLC or a corporation. Before you apply, read the card terms carefully to verify your eligibility.

How to maximize gas rewards for your business

To maximize your earnings, follow these tips:

FAQs: Best business gas credit cards

What is the best gas card for businesses?

It depends on your needs. If you travel frequently, you may benefit from getting a travel credit card or airline credit card. Otherwise, look for a card with a high reward rate for gas stations.

How do gas business credit cards work?

A gas business credit card works just like any other credit card. When you buy gasoline, you insert your card at the pump or present it to a cashier.

Are gas cards good for building business credit?

Yes, as long as the bank reports your usage to at least one of the three major credit bureaus.

Can you get a gas card with an EIN number?

It depends on which card you want. Some banks allow you to open a gas card with your company’s EIN instead of your Social Security number.

What is the easiest business gas card to get?

The easiest gas card to get is a secured credit card, which requires a cash deposit to establish a line of credit.

About the Author

Leigh Morgan
Leigh Morgan Personal Finance

Leigh Morgan is a seasoned personal finance contributor with over 15 years of experience writing on a diverse range of professional legal and financial topics. She specializes in subjects like navigating the complexities of insurance, savings, zero-based budgeting and emergency fund development.

In the last five years, she’s authored over 300 articles for credit unions, digital banks, and financial professionals. Morgan is also the author of “77 Tips for Preventing Elder Financial Abuse,” a book focused on helping caregivers protect the elderly from financial scams.

In addition to her writing skills, she brings real-world financial acumen thanks to her previous experience managing rental properties as part of a $34 million real estate portfolio.

About the Reviewer

Blake Esken
Blake Esken Los Angeles Times

Blake Esken has over 15 years of experience in product management and has been a member of the Los Angeles Times staff for over five years.

As part of his role at the Los Angeles Times Commerce Team, Blake acts as the in-house reviewer and fact checker for LA Times Compare. He supervises all content for compliance and accuracy and puts to use skills he has honed through years of experience managing high-stakes projects for a range of industry-leading companies.

He has a strong background in data analysis, compliance, and communication, which allows him to support LA Times Compare through fact-checking in an effort to provide up-to-date and factual information across our content.

* Opinions expressed here are those of the LA Times Compare Cards Team and have not been reviewed or approved by any advertiser or entities included within this content. See our editorial policy for more details.

All products or services are presented in this content without warranty. The information, including card details such as rates and fees, is accurate at the time of publish. Please visit each bank's website directly for the most current information.

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