Are there business gas cards suitable for small businesses?

Yes, many business gas cards cater specifically to small businesses. They offer features like flexible credit limits, no annual fees and tools to track expenses efficiently.

Can a business gas card improve my company's credit score?

Yes, if the card issuer reports to credit bureaus. Regular, on-time payments with such a card can positively influence your business's credit profile , potentially enhancing your credit score.

Do all gas cards offer rewards or cashback on fuel purchases?

While many business gas cards offer rewards or cashback, they are not universal features. Some cards prioritize low fees or detailed reporting over rewards. It's important to review the card's benefits to determine if it aligns with your priorities.

Are there annual fees associated with business gas cards?

Some cards might have annual fees, but not all. Often, cards with more extensive rewards or benefits might have an associated fee. It's crucial to weigh the cost of the fee against the potential card benefits.

Can I set individual spending limits for employees with a business gas card?

Many business gas cards offer this feature, enabling you to set specific limits for each cardholder. This control is especially useful for larger teams or businesses wanting to closely monitor and manage spending.

Best Business Credit Cards for Gas in 2023

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

Fuel expenses can make a dent in your business budget, but the right gas credit card can transform this cost into an opportunity.

A business gas card is a specialized payment tool designed for companies to manage and track their fuel expenses. Unlike personal gas cards, these are tailored to meet the needs of businesses, big or small.

By selecting the best gas card for your business, you can enjoy enhanced cash back, substantial rewards and valuable management tools. We’ll break down the top business gas cards, helping you make an informed choice that aligns with your company's needs and financial goals.

Why You Can Trust Our List

Top Business Credit Cards for Gas

Aer Lingus Visa Signature®
A travel card with a great welcome bonus for frequent Aer Lingus travelers
- 1–5 Avios per $1Rewards Rate
- 21.49% – 28.49% VariableAPR
- $95Annual Fee
- Good–ExcellentRecommended Credit
The Aer Lingus Visa Signature® Card is a traveler's companion, offering a wealth of benefits tailored for those with wanderlust. Its standout feature is a generous welcome bonus, complemented by increased reward-earning potentials on both airline and hotel bookings. For the dedicated cardholder, the annual companion ticket and priority boarding on select Aer Lingus flights amplify the traveling experience.
Pros
Generous welcome bonus offer
Multiple earning opportunities on travel-related purchases
Yearly Commercial Companion Ticket feature
Priority boarding on specific flights
No foreign transaction fees

Cons
Comes with an annual fee
High reward rates limited to specific airlines
Requires high spending to access certain benefits
Low rewards for non-travel-related spending
Earn 75,000 Avios after spending $5,000 on purchases within three months of activating the account.
Earn 3 Avios per $1 spent on Aer Lingus, British Airways, Iberia and LEVEL.
Earn 2 Avios per $1 spent on hotel bookings made directly with the hotel. - Earn 1 Avios per $1 on all other purchases.
Regular APR 21.49% – 28.49% variable.
With $95 annual fee.
No foreign transaction fees.
Each year, when you spend $30,000 with your Aer Lingus Visa Signature Card, you'll be awarded a Commercial Companion Ticket valid for a year.
Gain access to Priority Boarding on Aer Lingus flights between the US and Ireland for you and approved card users, based on availability.
Contactless payment is available for eligible terminals.
Terms, rates and fees apply
American Express® Business Gold Card
A dynamic rewards card for high-spending business owners
- 1–4 Points per $1Rewards Rate
- 19.49% – 27.49% VariableAPR
- $295Annual Fee
- Good–ExcellentRecommended Credit
The American Express® Business Gold Card is like a financial Swiss army knife for businesses, especially for those with varied spending or who are always on the go. The card offers impressive rewards and a generous welcome bonus, offering significant potential for cost savings. With added benefits such as the ability to transfer points to travel partners and access to a short-term business loans program, it aims to provide flexibility and growth opportunities. But remember, like any tool, it has its cost — there's a notable annual fee, and you'll want to keep on top of your balance to avoid high-interest charges.
Pros
High rewards rate on customized spending categories
Generous welcome offer
Transferable points
Bonus for redemptions through Amex Travel Portal
Access to short-term business loans program
No foreign transaction fees

Cons
Significant annual fee
Reduced rewards rate after spending cap
One-time fee for employee cards
High spend requirement for welcome offer
Earn 4X points on two select categories where you spend the most each billing cycle (on up to $150,000 combined spending per year, then 1X points)
Earn 1X points on all other spending
Earn 70,000 points after spending $10,000 on eligible purchases within the first three months
Annual fee $295 (see rates and fees)
No foreign transaction fees (see rates and fees)
Transfer points to a host of hotel and airline partners through American Express's Membership Rewards program
Get a 25% bonus on points redeemed through the American Express Travel Portal (up to a maximum of 250,000 points per calendar year)
Points don't expire, and there are no points caps
No blackout dates
Get access to the Working Capital Terms program and short-term business loans (terms and restrictions apply)
Add employee cards for a one-time flat fee of $50
Unlike typical charge cards, the American Express® Business Gold Card allows you to carry a balance for certain charges, but not all
Terms, rates and fees apply
Capital One Spark Cash Plus
Generous flat-rate cash back on business expenses
- 2% Cash BackRewards Rate
- None (charge card)APR
- $150Annual Fee
- ExcellentRecommended Credit
The Capital One Spark Cash Plus Credit Card is a compelling option for business owners due to its robust reward structure. Notably, it provides an above-average cash back rate, bolstered by additional rewards on travel purchases, creating the potential for substantial savings. A generous welcome bonus adds to the allure, although it comes with a high spending requirement. The card's annual fee is waived for high spenders, and it offers a suite of business tools designed to streamline expense management.
Pros
High flat-rate cash back on all spending
Bonus cash back on select travel purchases
Generous one-time cash bonus
Comprehensive suite of business tools
No foreign transaction fees

Cons
No option to carry a balance
Annual fee with lower spending
Earn 2% cash back on all spending
Earn 5% cash back on hotels and rental cars booked through Capital One Travel
Earn a one-time cash bonus of $1,200 after spending $30,000 in the first three months
Annual fee of $150 (refunded if you spend at least $150,000 in a year)
No APR (charge card)
Business tools: free employee cards, quarterly and year-end summaries
No foreign transaction fees
Roadside assistance*
Extended warranties on eligible purchases*
Purchase assurance up to 90 days*
Lost or damaged luggage reimbursement*
Terms, conditions and exclusions apply. Refer to your Guide to Benefits for more details.
Terms, rates and fees apply
Ink Business Cash® Credit Card
Best for earning rewards on office supplies
- 1–5% Cash Back*Rewards Rate
- 18.49% – 24.49% VariableAPR
- $0Annual Fee
- Good–ExcellentRecommended Credit
The Ink Business Cash® Credit Card is a savvy choice for small businesses, offering impressive rewards for common business expenses. Its standout welcome offer, decent introductory APR offer on purchases and absence of an annual fee make it highly beneficial. Plus, you can extend its advantages to your employees at no extra cost. Just be mindful of the foreign transaction fees and ensure timely repayments after the initial offer period to avoid high interest.
Pros
Substantial cash back on business-specific categories
Attractive welcome offer
No annual fee
Introductory APR offer on purchases
Free additional employee cards

Cons
Limited rewards potential on non-bonus categories
Foreign transaction fees
Cap on cash back rewards
Earn 5% cash back at office supply stores and on internet, cable and phone services (on up to $25,000 in combined spending each year)
Earn 2% cash back at gas stations and restaurants (on up to $25,000 in combined spending each year)
Earn 1% cash back on all other card purchases
Earn $750 bonus cash back after spending $6,000 in the first three months
Introductory 0% APR on purchases for 12 months (followed by 18.49% – 24.49% variable APR)
No annual fee
Foreign transaction fee of 3%
Get employee cards for no additional fee and set individual limits
Terms, rates and fees apply
Marriott Bonvoy Business® American Express® Card
Great for hotel rewards and perks for business spending
- 2–6 Points per $1*Rewards Rate
- 20.99% – 29.99% VariableAPR
- $125Annual Fee
- Good–ExcellentRecommended Credit
The Marriott Bonvoy Business American Express Card is a robust and savvy choice for small business owners who frequently travel, particularly for those loyal to Marriott Bonvoy hotels. Its rewarding points system aligns seamlessly with everyday business expenditures, plus the generous welcome bonus is a major kick-start. The card's benefits, including free night awards and Gold Elite Status, offer significant value and can easily offset the annual fee while potentially transforming every business trip into a VIP experience. Furthermore, making travel purchases on this card provides a safety net of various travel insurance protections, adding peace of mind to each journey.
Pros
Earn free night awards
Significant hotel perks, including Gold Elite status
Generous welcome offer
No foreign transaction fees

Cons
Annual fee
Modest travel benefits
No intro APR offers
Limited Time Offer: Earn 125,000 Bonus Marriott Bonvoy Points after you use your new Card to make $8,000 in purchases within the first six months of Card Membership. Offer Ends 11/1/23.
Earn 6X points on eligible Marriott Bonvoy hotels
Earn 4X points on restaurants, U.S. gas stations, wireless phone services (when purchased directly from U.S. providers) and U.S. shipping purchases
Earn 2X points on all other purchases
Earn three bonus Free Night Awards after you make $6,000 in purchases within the first six months of card membership (redemption level up to 50,000 points for each bonus Free Night Award at hotels participating in Marriott Bonvoy; certain hotels have resort fees)
Annual fee of $125 (see rates and fees)
Flexible points redemption: no blackout dates, no points limits and no expiration for points
Complimentary Gold Elite Status
Receive one free night award each year after renewal (redeemable for a stay at a Marriott property equivalent to up to 35,000 points)
Earn an additional free night after $60,000 spent in a calendar year
No foreign transaction fee (see rates and fees)
Free employee cards with individual limits (see rates and fees)
Travel insurance and consumer protections: secondary rental car insurance, lost, stolen or damaged luggage insurance, purchase protection and extended warranty. (Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company)
Terms apply
Terms, rates and fees apply
The Blue Business® Plus Credit Card from American Express
Great no-annual-fee card for earning rewards on business spending
- up to 2X Membership Rewards® pointsRewards Rate
- 18.49% – 26.49% VariableAPR
- $0Annual Fee
- Good–ExcellentRecommended Credit
The Blue Business® Plus Credit Card from American Express is a compelling option for small business owners in search of a simple yet rewarding credit solution. With no annual fee, the card is budget-friendly and designed to cater to the needs of businesses, particularly those with significant everyday expenses. The rewards structure is straightforward: cardholders earn a solid rate of Membership Rewards® points on their business purchases up to a generous cap each calendar year, before the rate drops to a lower tier.
Pros
No annual fee
Intro APR on purchases
Simple flat-rate rewards on all purchases
Flexible redemption options
Good for small businesses

Cons
No intro APR on balance transfers
Foreign transaction fees
Fees for transferring points and booking flights through American Express Travel
Earn 2 Membership Rewards® points per dollar on purchases (up to $50,000 in purchases each calendar year, then 1 point per dollar) and 2 points per dollar with no limit on car rentals booked through American Express Travel
0% intro APR offer on purchases for 12 months, then a variable rate of 18.49% – 26.49% (see rates and fees)
Redeem points for travel booked through American Express Travel, purchases via select online merchants, gift cards and more.
Transfer points to different frequent flyer programs.
No annual fee (see rates and fees)
Foreign transaction fee of 2.7% (see rates and fees)
Flexible credit limit
Get free employee cards
Account management tools like designating an account manager, setting individual card limits, and manage your receipts
Travel benefits like travel accident insurance, baggage insurance, purchase protection, car rental insurance, roadside assistance and more. (Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit the benefits guide for more details. Underwritten by Amex Assurance Company.)
Terms Apply
Terms, rates and fees apply
United℠ Business Card
Solid travel card for United fans
- 1–2 Miles per $1*Rewards Rate
- 21.74% – 28.74% VariableAPR
- $99Annual Fee
- Good–ExcellentRecommended Credit
The United℠ Business Card is tailored to frequent travelers and business professionals, offering a substantial welcome bonus, rewarding miles on United and various business categories, and rich travel perks and protections. While it comes with comprehensive travel conveniences, potential cardholders must weigh the annual fee and lack of introductory APR offers. Ideal for those aiming to maximize travel benefits, this card can be a strategic choice for enhancing comfort and affordability.
Pros
Generous welcome offer
Rewards on business categories
Travel perks and protections
No foreign transaction fees

Cons
Annual fee
No intro APR offers
Earn 2X miles on United Airlines purchases, and at gas stations and restaurants, as well as on office supplies, local transit and commuting expenses
Earn 1X miles on everything else
Earn 50,000 bonus miles after spending $5,000 in the first three months
Annual fee of $99 ($0 first year)
Free checked bag for you and a companion on United flights
Receive two annual passes to the United Club lounge each year
Earn a $100 statement credit after making seven United Airlines purchases of at least $100 in a year
Earn 5,000 bonus miles each year that you also have an open personal United credit card
Travel protections: trip cancellation insurance, trip delay insurance, lost and delayed baggage insurance, travel accident insurance, auto rental collision damage waiver and roadside assistance
Receive perks during stays at Luxury Hotel and Resort Collection properties
Free employee cards
No foreign transaction fees
Terms, rates and fees apply
World of Hyatt Business Credit Card
Lucrative rewards for World of Hyatt members
- 1–9 PointsRewards Rate
- 21.49% – 28.49% VariableAPR
- $199Annual Fee
- Good–ExcellentRecommended Credit
The World of Hyatt Business Credit Card is a powerhouse for Hyatt loyalists, offering rich rewards on spending, with exceptionally high returns on Hyatt hotel purchases. It caters to domestic and international spenders, with no foreign transaction fees and a host of travel protections, making it a reliable companion on your journeys. Additionally, this card offers opportunities for free nights and status accelerations within the World of Hyatt program. However, its value may be less compelling for infrequent travelers or those seeking broader hotel options or airport lounge access.
Pros
Ideal for Hyatt loyalists
Lucrative rewards structure
Range of travel protections
No foreign transaction fees

Cons
No airport lounge access
Value limited to Hyatt properties
Annual fee
Earn 4X points on Hyatt hotel purchases (plus 5X points for being a World of Hyatt member)
Earn 2 Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/24, then your top two categories each quarter.
Earn 2X points on restaurants, flights purchased directly from airlines, local transit, commuting and gym memberships
Earn 1X points on all other spending
Earn 60,000 Bonus Points after you spend $5,000 on purchases in your first three months from account opening. Additionally, earn 15K Bonus Points after you spend $12,000 in the first six months.
Annual fee of $95
No foreign transaction fees
Receive a free night each year at a Category 1-4 hotel (worth up to 15,000 points)
Receive an additional free night each year at a Category 1-4 hotel after spending $15,000
Receive five qualifying night credits toward your next tier status each year and two additional qualifying night credits every time you spend $5,000 on your card
Travel insurance: trip cancellation and trip interruption insurance, baggage delay insurance, lost luggage reimbursement and secondary car rental insurance
Purchase protection for 120 days for damage or theft (up to $500 per claim and $50,000 per account)
Terms, rates and fees apply

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.

Should I Get a Gas Card for My Business?

Considering a gas card for your business is a smart financial move, especially if your operations involve frequent travel or transportation. By leveraging these cards, you can often tap into significant savings, benefitting from cash back or rewards every time you fill up.

As with any financial decision, weighing the benefits against any potential fees or restrictions is key. Ensuring the card aligns with your business needs will maximize its utility and help optimize your savings.

Businesses That Will Benefit From a Company Gas Card

Gas cards for business offer specialized benefits tailored to certain types of enterprises. If your company falls into any of the following categories, a fuel card could be a game-changer:

Businesses with a large fleet
Companies operating many vehicles, whether delivery vans or sales cars, can benefit greatly from business gas cards. They make expense tracking and fleet management more streamlined.
Travel-centric companies
If your business requires frequent road travels, such as sales teams traveling to meet clients or consultancy services, a fuel card ensures you save on every mile.
Delivery or courier services
Companies that provide delivery or courier services experience high fuel consumption. Fuel cards can offer discounts and reward points, optimizing overall operational costs.
Companies aiming for budget predictability
Fuel cards can lock in fuel prices for businesses, ensuring consistent costs and aiding in more predictable budgeting.
Enterprises looking for expense insights
Detailed reporting gives businesses insights into fuel consumption patterns, which helps identify areas to improve efficiency.
Organizations emphasizing employee benefits
Offering business gas cards to employees as a benefit can aid in recruitment and retention. It’s a practical perk that underscores a company’s commitment to its team's welfare.

Incorporating a fuel card into your business operations can offer both tangible savings and operational efficiencies, especially if your business aligns with any of the above scenarios.

Business Gas Card vs. Regular Business Card

When determining the right card for your business, understanding the distinctions between a business gas card (also known as a business fleet card) and a regular business card is important. Each has its strengths, tailored to different business needs and operational nuances.

Specialized Rewards and Discounts

Business fleet cards typically offer rewards and discounts specifically for fuel and vehicle-related expenses. These tailored benefits can result in substantial savings for companies with high fuel consumption. On the other hand, regular business cards often have a broader rewards structure, catering to various types of expenses beyond just fuel.

Reporting Features

A notable advantage of fleet cards is their detailed reporting on fuel and other vehicular expenses. These insights are crucial for businesses that need to monitor and manage their fleet costs closely. Regular business cards may offer expense tracking but lack the vehicular specificity that fleet cards provide.

Flexibility in Spending

Regular business cards provide more flexibility in spending across diverse categories, from office supplies to travel. They're versatile and well-suited for businesses with varied operational costs. While exceptional in their domain, fleet cards are more restrictive, primarily focusing on fuel and vehicle-related expenses.

Fee Structures and Incentives

Fleet cards might come with specific fee structures or incentives related to fuel vendors or certain gas stations. These can lead to direct savings at the pump. Regular business cards, conversely, tend to have a broader range of fees and incentives, often centered around general business expenses and not strictly fuel.

How to Pick the Best Business Gas Card

Choosing the right business card for gas can be key to optimizing fuel expenses and managing your operations efficiently. Consider these factors to ensure you're making the best choice for your business needs:

Rewards and cashback: Look for cards offering competitive rewards or cashback on fuel purchases. A card that provides a substantial percentage back or points for every dollar spent can lead to significant savings over time.
Fee structure: Understand the card's fee structure. Some might offer great rewards but have high annual fees or other charges. It's vital to weigh these costs against the potential benefits.
Reporting tools: For businesses with multiple vehicles, a card that provides detailed fuel consumption and expense reports is invaluable. These tools can simplify budgeting and offer insights into consumption patterns.
Network accessibility: Ensure the card is accepted at a wide range of gas stations, especially if your business operates in various locations. It's inconvenient and potentially costly if the card isn't widely accepted.
Credit-building potential: If one of your goals is to build or improve your business credit, opt for a card that reports to the major credit bureaus. Consistent, on-time payments with such a card can bolster your business's credit profile.
Additional benefits and features: Beyond the basic rewards and fees, some cards might offer added perks like discounts on vehicle maintenance or extended warranty protections. These extras can provide added value, especially if they align with your business operations.

By understanding the distinguishing features of different cards, from reward structures to fee details, you're well-equipped to make an informed decision for your business. Remember, it's not just about savings but also about how the card can integrate seamlessly into your business operations.

As you consider your options, focus on aligning the card's benefits with your specific needs. By doing so, you'll ensure that every time your fleet refuels, your business is driving toward a more prosperous and efficient future.

Frequently Asked Questions

Selecting the right business gas card involves several considerations. To assist you in your decision-making, we answered some common queries about the best gas cards for businesses.

About Grace Pilling

Grace Pilling is passionate about empowering readers to make informed financial choices to support their best lives, not a company’s bottom line. Prior to joining MoneyGeek as a senior content manager, Grace was a senior editor at CreditCards.com and Bankrate, where she focused on teaching people how to use credit cards wisely.

*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. Learn more about our editorial policies and expert editorial team.
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.