MoneyGeek's Take

Best Business Credit Cards for Gas in 2022

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.

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This article is part of our larger series on Best Business Credit Cards

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.

This article is part of our larger series on
Best Business Credit Cards

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.


  • American Express Hilton Honors Business Card

    This business credit card is perfect for earning Hilton Honors points


    • Good-ExcellentCredit Needed
    • $95Annual Fee
    • 3–12 Points per $1*Rewards Rate
    • 12xRewards Rate at Hotels
    • 6xRewards Rate on Gas

    Terms, rates and fees apply

  • Citi Costco Anywhere Visa Business Card

    An excellent no-annual-fee rewards card for Costco members


    • ExcellentCredit Needed
    • $0Annual Fee
    • 1–4% Cash Back*Rewards Rate
    • 4xRewards Rate on Gas
    • 3xRewards Rate on Dining

    Terms, rates and fees apply

  • American Express Marriott Bonvoy Business Card

    Excellent card for maximizing the rewards you earn while traveling


    • Good-ExcellentCredit Needed
    • $125Annual Fee
    • 2–6 Points per $1*Rewards Rate
    • 6xRewards Rate at Hotels
    • 4xRewards Rate on TV, Phone, Internet Services

    Terms, rates and fees apply

  • American Express Business Gold Card

    A dynamic rewards card for high-spending business owners


    • Good-ExcellentCredit Needed
    • $295Annual Fee
    • 1–4 Points per $1Rewards Rate
    • 1xRewards Rate on TV, Phone, Internet Services
    • 4xRewards Rate on Gas

    Terms, rates and fees apply

  • Chase Ink Business Cash

    Fantastic card for earning rewards on office supplies


    • Good-ExcellentCredit Needed
    • $0Annual Fee
    • 1–5% Cash Back*Rewards Rate
    • 5xRewards Rate on TV, Phone, Internet Services
    • 2xRewards Rate on Dining

    Terms, rates and fees apply

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.

  • Credit Card
    Best For
    Avg. Reward Rate
    Annual Fee
    Credit Needed
  • American Express Hilton Honors Business Card
    This business credit card is perfect for earning Hilton Honors points
    3–12 Points per $1*
    $95
    Good-Excellent
  • Citi Costco Anywhere Visa Business Card
    An excellent no-annual-fee rewards card for Costco members
    1–4% Cash Back*
    $0
    Excellent
  • American Express Marriott Bonvoy Business Card
    Excellent card for maximizing the rewards you earn while traveling
    2–6 Points per $1*
    $125
    Good-Excellent
  • American Express Business Gold Card
    A dynamic rewards card for high-spending business owners
    1–4 Points per $1
    $295
    Good-Excellent
  • Chase Ink Business Cash
    Fantastic card for earning rewards on office supplies
    1–5% Cash Back*
    $0
    Good-Excellent
  • Capital One Spark Cash Plus
    Excellent card for earning unlimited rewards through employee spending
    2% Cash Back
    $150
    Excellent
  • Capital One Spark Cash Plus
    Excellent card for earning unlimited rewards through employee spending
    2% Cash Back
    $150
    Excellent
  • Capital One Spark Miles
    Best flat-rate rewards card for frequent flyers
    2 Miles per $1
    $95
    Good-Excellent
  • Citi CitiBusiness AAdvantage Platinum Select Mastercard
    One of the top business travel cards for frequent American Airlines travelers
    1–2 Miles per $1*
    $99
    Excellent
  • Capital One Spark Cash Select
    A great no-annual-fee business card with unlimited 1.5% cash back
    1.5% Cash Back
    $0
    Good-Excellent
  • Chase Ink Business Unlimited
    A great business card with a flat, simple rewards structure and no annual fees.
    1.5% Cash Back
    $0
    Good-Excellent
  • American Express Plum Card
    Great no preset spending limit card with flexible payback methods
    1.5% Cash Back
    $250
    Good-Excellent
tip icon
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.

About Our Rankings

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.

Top Rating Criteria for Business Cards

rewards
Rewards Rate on Gas
annualFee
Annual Fee
lowInterestAPR
APR

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 American Express Hilton Honors Business Card, the American Express Marriott Bonvoy Business Card, the Citi Costco Anywhere Visa Business Card 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.

Further Reading

About the Author


expert-profile

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.
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