The best business credit cards for gas are ones that offer higher-than-usual reward/cash back earn rates on gas purchases and possibly on other categories as well. Some of the top ones come with no annual fees.
Gas business credit cards are those that let you earn higher cash back or rewards when you spend on gas in comparison to cards that offer flat earn rates. Depending on the card you get, you might need to pay an annual fee.
If your business entails traveling or transacting internationally, you might benefit from narrowing down your search to cards that charge no foreign transaction fees. Examples of business gas cards that fit this bill include the American Express® Business Gold Card and the Costco Anywhere Visa Business Card by Citi.
The best business credit cards from this category tend to come with multiple expense management tools. Aspects such as APRs, welcome offers and reward/cash back earn rates also require your attention.
MoneyGeek's Take: Top 5 Business Credit Cards for Gas
Quick Summary
Not all gas business credit cards offer the same cash back or reward earn rate, which is why this aspect requires your particular attention. Check if you’ll need to pay an annual fee because there are some no-annual-fee options to choose from as well. Our selection of the top gas business credit cards also accounts for factors such as welcome offers, APRs, foreign transaction fees and additional perks. You can view more options by scrolling further down.
The Hilton Honors American Express Business Card
This business credit card is perfect for earning Hilton Honors points
Good-ExcellentRecommended Credit
$95Annual Fee
3–12 Points per $1*Rewards Rate
12xRewards Rate at Hotels
6xRewards Rate on Gas
We love The Hilton Honors American Express Business Card not only because it offers a high reward rate for spending at Hilton properties but for its reward rate that applies to other business-specific spending.
You get to earn 130,000 bonus points if you spend $5,000 on purchases in the first three months.
Using this card at Hilton properties comes with 12X points. It offers 6X points for spending on wireless telephone services purchased directly from U.S. service providers, on flights booked with Amex Travel or directly with airlines, on car rentals booked directly through select companies, on U.S. purchases for shipping, at U.S. gas stations and at U.S. restaurants.
You qualify for a free weekend night reward if you spend $15,000 on eligible purchases in a calendar year. If you spend $60,000 on eligible purchases in a calendar year, you earn a second free weekend night reward.
All cardholders get complimentary Hilton Honors Gold status, which comes with added perks such as daily food & beverage credit (at U.S. hotels) or continental breakfast (at non-U.S. hotels) and availability-based room upgrades.
Your linked Priority Pass Select membership brings with it 10 complimentary airport lounge visits each year. Not having to pay foreign transaction fees may lead to savings when you travel overseas. Other travel benefits include complimentary baggage insurance plan and car rental loss and damage insurance.
Extended warranty and purchase protection are in place to safeguard your business purchases. You may choose to get additional employee cards, and you also get access to different expense management tools.
Pros
Ability to earn considerable bonus points
High reward rates across multiple categories
Complimentary Hilton Honors Gold status
Spend-based free night rewards
No foreign transaction fees
Additional employee cards
Dedicated account manager
Integration with QuickBooks and year-end expense summaries
Cons
Annual fee of $95
Reward nights are spending-based
Reward nights expire after one year of issuance
Cash advance fee
Penalty APR may apply in case of late and returned payments
Earn 130,000 bonus points if you spend $5,000 on purchases within six months from account opening.
Spending at properties within the Hilton portfolio comes with 12X points.
You earn 6X points at U.S. restaurants, at U.S. gas stations, on wireless telephone service purchased directly from U.S. service providers, on U.S. purchases for shipping, on car rentals booked directly through select companies and on flights that you book through Amex Travel or directly with airlines.
You earn 3X points on all other purchases.
Any additional employee cards you get earn reward points as well.
If you spend $15,000 on purchases in a calendar year, you earn a free night reward.
If you spend a total of $60,000 on purchases in a calendar year, you earn an additional free night reward.
By enrolling in the Priority Pass Select program, you get 10 complimentary airport lounge visits each year.
Safeguard your travels and purchases through car rental loss and damage insurance, baggage insurance plan, purchase protection and extended warranty.
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
An excellent no-annual-fee rewards card for Costco members
ExcellentRecommended Credit
$0Annual Fee
1–4% Cash Back*Rewards Rate
4xRewards Rate on Gas
3xRewards Rate on Dining
We recommend the Costco Anywhere Visa® Business Card by Citi for small businesses that are Costco members and are looking for a no-annual-fee card. Category-based spending lets you earn up to 4% cash back. You may redeem the cash back you earn at Costco Warehouses across the U.S. This card also comes with a competitive APR for purchases.
Using this card when traveling outside of the U.S. makes sense as it does not charge any international transaction fees.
Purchases you make using this card receive cover through extended warranty as well as damage and theft purchase protection.
Cardholders may also use the Citi Entertainment and Citi Concierge services to good effect.
Pros
Pay no annual fees
Pay no foreign transaction fees
Earn 4% cash back on all gas purchases globally for up to $7,000 in spending per year, and 1% thereafter
Earn 3% cash back when spending at restaurants and on eligible travel purchases globally
Earn 2% cash back on all non-gas related purchases at Costco and Costco.com
Earn 1% cash back on all other purchases
Redeem cash back for cash or merchandise at Costco Warehouses across the U.S. and Puerto Rico
Competitive APR for purchases
Fraud early warning to safeguard your account
Extended warranty and damage and theft purchase protection to safeguard your purchases
Access to presale tickets and special events via Citi Entertainment
24/7 access to Citi Concierge
Cons
Need to be a Costco member to apply
Cash back provided as an annual credit card reward certificate at the close of the February billing cycle
Penalty APR applies in cases of returned and late payments
Cash advance fee
No complimentary travel coverage
$0 annual fee
Competitive APR for purchases
4% cash back on spending of up to $7,000 per year on all gas purchases globally, and 1% thereafter
3% cash back on spending at restaurants and on eligible travel purchases worldwide
All purchases at Costco and Costco.com (other than gas) come with 2% cash back
Spending across all other categories gets you 1% cash back
Redeem earned cash back for merchandise or cash at any Costco warehouse in the U.S. and Puerto Rico
No foreign transaction fees
Complimentary extended warranty and damage and theft purchase protection
Complimentary access to Citi Concierge and Citi Entertainment
Fraud early warning in case of suspicious activity
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
Excellent card for maximizing the rewards you earn while traveling
Good-ExcellentRecommended Credit
$125Annual Fee
2–6 Points per $1*Rewards Rate
6xRewards Rate at Hotels
4xRewards Rate on TV, Phone, Internet Services
We love the Marriott Bonvoy Business® American Express® Card because of its generous reward points system. For instance, when you spend money at participating Marriott properties, you earn 6 points per $1 spent. For specific spending categories, such as at restaurants and gas stations, you earn 4 points. Purchases that don't qualify for special reward rates still earn 2 points.
This card brings with it a host of Marriott-specific benefits. In addition to free rewards nights, for example, cardholders receive complimentary Marriott Bonvoy Silver Elite status and premium on-property internet access.
You may also benefit by using this card outside of the U.S., as it does not come with any overseas transaction fees.
Pros
Earn 75,000 Bonus Marriott Bonvoy Points by spending $3,000 within three months
Earn up to 6 points per $1
Redeem points for free Marriott nights, air travel or cab rentals
No blackout dates when you redeem points for free nights
No foreign transaction fees
No over-limit fees
Employee cards
Free night awards
Marriott-specific benefits
Travel and purchase covers
Cons
High annual fees
Penalty APR applies if you make a late payment
Mandatory service and resort charges might apply at some Marriott hotels when you redeem points for free nights
Become a Marriott Bonvoy Business member automatically.
Earn 75,000 Bonus Marriott Bonvoy Points by spending $3,000 within three months
Earn 6 points per $1 on eligible purchases at participating Marriott Bonvoy hotels.
Earn 4 points per $1 on eligible purchases in the U.S. at gas stations, at restaurants, on wireless telephone services purchased directly from service providers and on shipping purchases.
Earn 2 points on all other eligible purchases.
Redeem points for free Marriott nights as well as for air travel and cab rentals through different travel partners.
Earn a one free night award every year and qualify for another if your annual spending exceeds $60,000.
Get complimentary premium in-room internet access when you stay at participating Marriott Bonvoy hotels.
Earn Elite night credits to get closer to the next level of your Marriott Bonvoy Elite status.
Pay no international transaction fees.
Benefit through intro offers for new cardholders.
Get baggage insurance, car rental loss and damage insurance, purchase protection and extended warranty.
Get employee cards and set individual spending limits.
Get access to a range of Amex offers.
Simplify accounting by designating account managers and getting year-end summaries.
Use Vendor Pay to improve cash flow.
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
A dynamic rewards card for high-spending business owners
Good-ExcellentRecommended Credit
$295Annual Fee
1–4 Points per $1Rewards Rate
1xRewards Rate on TV, Phone, Internet Services
4xRewards Rate on Gas
We recommend the American Express® Business Gold Card to businesses that wish to capitalize on their spending or have employees who travel internationally. If you spend $10,000 on eligible purchases in the first three months, you earn 90,000 bonus points.
You earn 4X points on two categories of your choice for a combined spending of up to $150,000 per year, and 1X points thereafter. Transferring your points to partner loyalty programs is an option.
You earn a 25% airline bonus when you book flights through Amex Travel and use the Membership Rewards Pay with Points feature. Employee cards come at no extra cost, and you get access to different expense management tools.
Complimentary travel insurance coverage and no foreign transaction fees make this card ideal for use when traveling outside of the country. However, it comes with a $295 annual fee.
Pros
4X Membership Rewards per $1 on major business categories
Generous welcome bonus
25% airline bonus when paying with points
Access to Amex Hotel Collection
Trip delay, baggage and car rental insurance
No foreign transaction fees
No preset spending limit
Different payment plans and options
Cons
High annual fee
4X rewards only apply to the first $150,000 spent per calendar year
No elite travel benefits
4X Membership Rewards points per $1 on two bonus categories where you spent the most for the first $150,000 spent annually
Welcome bonus of 90,000 points after spending $10,000 on eligible purchases within the first three months
Transfer points to a host of hotel and airline partners through American Express’ Membership Rewards program
Redeem points at qualifying airlines and earn an additional 25% points back (up to a maximum of 250,000 points per year)
No foreign transaction fees
Annual fee of $295
Get access to the Amex Hotel Collection and gain additional hotel perks
Get the Pay Over Time option to help pay off large purchases over $100
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
Fantastic card for earning rewards on office supplies
Good-ExcellentRecommended Credit
$0Annual Fee
1–5% Cash Back*Rewards Rate
5xRewards Rate on TV, Phone, Internet Services
2xRewards Rate on Dining
We love the Ink Business Cash Credit Card because of its generous 5% rewards rate on office supplies. This rate also applies to your phone, internet and cable subscriptions. Spending across all other categories comes with 2% or 1% rewards.
Not having to pay any annual fees is great. Being able to redeem your rewards in different ways, be it as cash back or for travel, is a definite plus too.
You may get free employee cards that come with purchase and travel protection, thereby giving your employees added peace of mind.
Integrating your Ink credit card with bookkeeping software is easy and simplifies accounting.
If you apply in time, you can take advantage of an intro 0% APR offer and a $900 spend-based bonus cash back offer.
Pros
Generous introductory cash back and APR offers
No annual fees
Free employee cards
Redeem points for cash, travel, gift cards and more
Points don't expire for the life of the account
Purchase and travel protection
Cons
Foreign transaction fees
Balance transfer and cash advance fees
Spending cap on cash back categories
Earn a $900 cash back bonus if you spend $6,000 on purchases in the first three months.
Benefit through a 0% intro APR offer for the first 12 months, then variable APR 16.24% – 22.24% after that.
Pay no annual fees for as long as your account remains active.
Earn 5% cash back on the first $25,000 you spend on purchases at office supply stores, as well as on internet, cable and phone services every year.
Earn 2% cash back on the first $25,000 you spend on purchases at restaurants and gas stations every year.
Earn 1% cash back on all other purchases.
Your rewards remain valid for as long as you keep using your card.
Set individual spending limits for employee cards.
All cardholders get access to extended warranty, purchase protection, baggage insurance, car rental loss and damage insurance and roadside dispatch.
Fraud protection safeguards you against fraudulent transactions.
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
Experts at MoneyGeek monitor business credit cards for gas closely. Each month, they go through our extensive database and select all the business cards that offer rewards/cash back on gas purchases. Then, they compare them across different criteria such as annual fees, reward/cash back rates, APRs and welcome offers.
If you feel you might benefit from using a consumer credit card for your business-related gas expenditures, consider taking a look at our selection of the best rewards cards and cash back cards.
50%
Gas Rewards Rate
-5%
Average Annual Fee
-2%
Average APR
Summary of the Best Business Cards for Gas
Carry out a quick gas business card comparison based on parameters such as APRs, rewards/cash back rates on gas purchases and annual fees.
Great no preset spending limit card with flexible payback methods
1.5% Cash Back
$250
MONEYGEEK EXPERT TIP
Some credit cards have annual limits on the bonus rewards you can earn on gas or other categories. Compare your expected spending versus these limits so that you're not surprised when you cap out on bonus rewards. -- Lee Huffman, credit card expert at BaldThoughts.com.
How to Compare Business Credit Cards & Intro Offers
Given the number of business credit cards that offer higher rewards or cash back on gas purchases, selecting one requires paying attention to multiple factors.
1
Rewards/cash back rate
The best business cards for gas come with varied rewards/cash back earn rates. In some cases, high earn rates apply to limit-based spending. For example, the 4x points you stand to earn on two categories of your choice through the American Express® Business Gold Card apply to the first $150,000 in combined purchases from both categories per year. With the Ink Business Cash Credit Card, the 2% cash back at gas stations and restaurants applies on the first $25,000 spent in combined purchases each year.
2
Annual fee
If you plan to get a gas business credit card with an annual fee, determine if you will be able to offset this cost by earning adequate rewards/cash back and making use of its benefits. If not, consider applying for a no-annual-fee business card instead.
3
APR
APRs that come with gas business credit cards tend to vary significantly, which is why this aspect requires your attention if you plan to carry card balances from one billing cycle to the next.
4
Welcome bonus offers
The top gas business credit cards come with time- and spend-based introductory offers. For instance, you stand to earn a welcome bonus of 70,000 membership rewards points if you use the American Express® Business Gold Card and spend $10,000 on eligible purchases within three months from account opening.
5
Co-branded or not
Co-branded business cards come with additional perks related to specific brands, be it airlines, hotels or office supply stores. If your business uses any such brand frequently, you might benefit by getting a co-branded card. Examples of gas cards from this subcategory include the Hilton Honors American Express Business Card, the Marriott Bonvoy Business® American Express® Card, the Costco Anywhere Visa® Business Card by Citi and the CitiBusiness AAdvantage Platinum Select Mastercard.
6
Foreign transaction fees
If you or your employees anticipate using your gas credit card or linked employee cards outside of the U.S., consider getting a card that charges no foreign transaction fees. If not, you might end up paying up to 3% of each international transaction in fees.
7
Added perks
Access to various business management tools is a fairly common feature with the top gas business credit cards. Some of the other card-specific perks you may expect are no preset spending limits, free employee cards, purchase protection, extended warranty, loyalty program membership status upgrades, auto rental collision damage waiver, trip delay insurance, travel/emergency assistance services and roadside dispatch.
Rajiv Baniwal has been writing about different financial topics for over 15 years. Meticulous in his research, he makes sure he provides accurate and up-to-date information. His areas of expertise include mortgages, personal loans, credit cards, insurance and international money transfers.
*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available. Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.
