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A business credit card can be an excellent financial tool for your small business. It can help you manage cash flow, and earn rewards for your day-to-day business purchases.
When it comes to the rewards offered by business credit cards, there are two general categories -- cards that offer excellent flat-rate rewards, and cards that offer strong rewards in specific spending categories. Gas is one category in particular for which some excellent business credit cards have higher rewards rates.
A business gas credit card can be extremely valuable if you regularly drive long distances for work, if you spend your day driving from client to client, or if your business involves moving things from one place to another. A business gas credit card can also be a great asset if you drive for a ride-hailing service like Uber, or if you deliver groceries or food for a third-party platform like DoorDash.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Credit Score:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Credit Score
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Good/Excellent (670-850)
Intro APR
0% Intro APR on Purchases
Purchases: 0% Intro APR on Purchases, 12 months
Balance Transfers: N/A
Regular APR
17.49% - 25.49% Variable
Rewards
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.
Earn 5% cash back in select business categories
Annual Fee
N/A
$0
Welcome Offer
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
Earn up to $750 bonus cash back
We think this card is a great option for savvy business owners looking to maximize rewards without the added cost of an annual fee. You’ll earn 5% cash back on office supplies, internet, cable, and phone services (up to $25,000 annually), making it ideal for businesses with regular expenses in these categories. With a generous $750 welcome bonus after meeting the spending threshold, along with valuable travel and purchase protections, this card offers great value for smaller businesses with high recurring expenses.
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
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 purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
0% introductory APR for 12 months on purchases
Member FDIC
Why we picked it: The Ink Business Cash® Credit Card not only earns a 2% cash back rate at gas stations and restaurants, but it applies to up to $25,000 in purchases. It also earns 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, making it a great all-around choice for businesses that spend a lot in these common small business categories.
What to watch for: The 2% rate on gas isn't the highest on the list, so if you want to truly max out your earnings, there are other options.
Best for Costco members: Costco Anywhere Visa® Business Card by Citi
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Credit Score:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Excellent (740-850)
Credit Score
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Excellent (740-850)
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
19.49% - 27.49% (Variable)
Rewards
Earn 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter. 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel. 2% cash back on all other purchases from Costco and Costco.com. 1% cash back on all other purchases.
1% - 5% back
Annual Fee
N/A
$0
Welcome Offer
N/A
There aren't many business cards offering this much bonus cash back at the pump (and the charging station). It also earns high rates on travel, at restaurants, and at Costco, giving it a well-rounded set of bonus categories. Other benefits are limited, making this primarily a card for Costco loyalists and business owners who drive a lot.
Discover the only business credit card designed exclusively for Costco members
Earn 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter.
3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel.
2% cash back on all other purchases from Costco and Costco.com
1% cash back on all other purchases
No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
Whether you're traveling for business or pleasure, enjoy no foreign transaction fees on purchases
Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
Why we picked it: The Costco Anywhere Visa® Business Card by Citi offers excellent bonus rewards, including 3% cash back on restaurants and travel, including Costco Travel and 2% cash back on Costco purchases. But the real standout is the 5% cash back rate on gas at Costco and 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter.
What to watch for: While the Costco Anywhere Visa® Business Card by Citi has no annual fee, it does require a Costco membership.
Best for travel-heavy businesses: Capital One Venture X Business
4.75/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Rating image, 4.75 out of 5 stars.
4.75/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Credit Score:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Excellent (740-850)
Act now and unlock up to 350K miles when you spend $200K in the first six months.
Earn 150,000 Miles once you spend $30,000 in the first 3 months, and an additional 200,000 miles once you spend $200,000 in the first 6 months.
Credit Score
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Excellent (740-850)
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
N/A
Rewards
Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions. Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Travel, where you'll get the best prices on thousands of options.
2X-10X miles
Annual Fee
$395
Welcome Offer
150,000 Miles once you spend $30,000 in the first 3 months, and an additional 200,000 miles once you spend $200,000 in the first 6 months
350,000 Miles
For businesses looking to earn rewards while enjoying premium travel benefits, we think this card strikes a strong balance between value and simplicity. It offers unlimited 2X miles on every purchase, along with 10X miles on hotels and rental cars booked through Capital One Travel. With top-tier perks like unlimited lounge access, annual travel credits, and flexible redemption options, this card is designed for business owners who prioritize travel rewards. Plus, with one of the best welcome offers available to earn up to 350,000 miles, it’s an excellent option for companies seeking both rewards and premium travel perks without the hassle.
For a limited time, earn up to 350,000 bonus miles: 150,000 miles once you spend $30,000 in the first 3 months, and an additional 200,000 miles once you spend $200,000 in the first 6 months
Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One's travel booking site
With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
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
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 made through Capital One's travel booking site
Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and membership to Priority Pass through the Partner Lounge Network
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
This is a pay-in-full card, so your balance is due in full every month
Why we picked it: The Capital One Venture X Business doesn't have a separate bonus category for gas, but it earns 2X miles per dollar on purchases, plus miles are transferable to many airline loyalty programs, so the effective rewards rate can be much higher. You'll also get 5X miles on flights booked through Capital One Travel and 10X miles on hotels and rental cars booked through Capital One Travel, as well as some highly valuable travel perks like airport lounge access.
What to watch for: The Capital One Venture X Business has a $395 annual fee (see rates and fees), which can be well worth it if you take advantage of its perks -- but can be very expensive if you don't.
Best for businesses that spend a lot on gas: American Express® Business Gold Card
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Credit Score:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Credit Score
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Good/Excellent (670-850)
Intro APR
Purchases: 0% on purchases, 6 months from date of account opening
Balance Transfers: N/A
Regular APR
18.49% - 27.49% Variable
Rewards
Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.* Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
1X - 4X points
Annual Fee
$375
Welcome Offer
Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
100,000
This card is a powerful choice for businesses that want to maximize rewards in key spending categories. You’ll automatically earn 4X points on your top two spending categories each billing cycle (up to $150,000 per year), making it a great fit for businesses with fluctuating expenses. With no preset spending limit, it offers added flexibility for growing companies. (The amount you can spend adapts based on factors such as your purchase, payment, and credit history.) Plus, a generous welcome offer and access to valuable business tools and travel benefits make this card a standout option for businesses that want high rewards potential with customizable benefits.
Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.49% to 27.49% variable APR.*
Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
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 up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
*Terms Apply
Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
• Please visit americanexpress.com/benefitsguide for more details.
• Trip delay insurance underwritten by New Hampshire Insurance Company, an AIG Company.
• Extended warranty, purchase protection, baggage insurance, and car rental loss & damage insurance underwritten by AMEX Assurance Company.
• Card Members are responsible for the costs charged by third-party service providers.
Why we picked it: The American Express® Business Gold Card offers a stellar 4X points per $1 on the top two eligible categories where your business spends the most each month from 6 eligible categories, up to $150,000 per calendar year (1X thereafter). One of these is purchases at U.S. gas stations. Plus, points can be transferred to many airline and hotel loyalty programs. Terms apply.
What to watch for: With a $375 annual fee (see rates and fees), the American Express® Business Gold Card isn't cheap, so be sure the benefits justify the cost.
Best for frequent flyers: Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Credit Score:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Credit Score
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Good/Excellent (670-850)
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
20.24% - 29.24% (Variable)
Rewards
Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases. Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases.
1x - 2x miles
Annual Fee
N/A
$99, waived for first 12 months
Welcome Offer
For a limited time, earn 75,000 American Airlines AAdvantage® bonus miles after spending $3,500 in purchases within the first 4 months of account opening.
75,000 miles
The rewards program makes this a compelling card to carry with OK earning opportunities beyond just American Airlines purchases.
For a limited time, earn 75,000 American Airlines AAdvantage® bonus miles after $3,500 in purchases within the first 4 months of account opening.
Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases
Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
No Foreign Transaction Fees
First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation
Enjoy preferred boarding on American Airlines flights
Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is unavailable on Motley Fool Money. All information was collected independently from the issuer. Some items may be out of date.
Why we picked it: If you regularly fly American Airlines, the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® not only offers 2 miles per $1 at gas stations, restaurants, and on eligible American Airlines purchases, but also earns AAdvantage loyalty points for all eligible spending on the card. Depending on your business's spending habits, you could earn elite status with American before you ever get on a plane.
What to watch for: If you aren't a frequent flyer, this card might not be the best choice for you.
How does a gas business credit card work?
A gas business credit card works just like a standard credit card. It can be used everywhere the specific type of card (Visa, Mastercard, etc.) is accepted, and it earns rewards on purchases.
Benefits of getting a gas business credit card
The obvious benefit of getting a gas business credit card is that you'll earn rewards for the gas you would buy anyway in the course of your business activities. If you spend $5,000 on gas this year and get a card with a 4% rewards rate, that will put $200 back in your pocket.
In addition, all of the top gas business credit cards on this list have other perks. Some offer travel perks, like free checked bags or airport lounge access. Some have additional categories for great rewards.
Others have purchase protections, no foreign transaction fees, and other benefits. And some have a 0% intro APR period that can let you finance large purchases and save money on interest.
How to choose the right gas business credit card
On this page, we've given five great options for gas business credit cards, and there's a reason we didn't simply pick one winner. Like most personal finance topics, there isn't a one-size-fits-all answer to the best gas business credit card for everyone.
When deciding which is best for you, it's important to consider:
Other rewards rates: Some offer strong rewards for other common business categories, some have excellent travel rewards, etc.
Redemption options: As a general rule, rewards that can be transferred to airline and hotel loyalty programs are significantly more valuable than those that are purely cash back rewards.
Card benefits: Some small business cards offer free checked bags, airport lounge access, purchase protections, and more.
Annual fees: It can be worth paying an annual fee for a small business credit card (even a seemingly high one) if the benefits justify the cost.
How to get a gas business credit card
The application process for a business credit card is almost identical to the process of applying for a personal credit card, with the key difference being that you'll need to input details about your business. You don't necessarily need to incorporate, and can generally use your Social Security number if you don't have an EIN (Employer Identification Number).
It's also important to note that approval for a small business credit card is typically dependent on your personal creditworthiness, not that of your business. So, you'll need a strong credit score to get approved for most business credit cards.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
4.75/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Great For:
Frequent flyers
Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
• Please visit americanexpress.com/benefitsguide for more details.
• Trip delay insurance underwritten by New Hampshire Insurance Company, an AIG Company.
• Extended warranty, purchase protection, baggage insurance, and car rental loss & damage insurance underwritten by AMEX Assurance Company.
• Card Members are responsible for the costs charged by third-party service providers.
Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is unavailable on Motley Fool Money. All information was collected independently from the issuer. Some items may be out of date.
At Motley Fool Money, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.
Our highest-rated credit cards have:
A rewards rate above 2% (or 2x points or miles) with average spending, or competitive 0% intro APR balance transfer and purchase offers
Attainable welcome bonuses that make up for any annual fees
Low annual fees or a balance transfer fee of 3%
Top perks such as purchase and travel protections, no foreign transaction fees, travel credits, and status upgrades
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how Motley Fool Money rates credit cards.
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JPMorgan Chase is an advertising partner of Motley Fool Money. Citigroup is an advertising partner of Motley Fool Money. American Express is an advertising partner of Motley Fool Money. Matt Frankel has positions in American Express and Capital One Financial. The Motley Fool has positions in and recommends Costco Wholesale, JPMorgan Chase, Mastercard, Target, Uber Technologies, and Visa. The Motley Fool recommends Flow. The Motley Fool has a disclosure policy.
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