Best Business Credit Cards for Gas

If you own a business where a large percentage of your expenses are incurred at the gas pump, you should be earning at least 2X points or 2% cash back on that spending. If not, finding the right business credit card for gas purchases should be your top priority.

Business gas cards offer various rewards currencies for gas purchases, including cash back, airline miles, hotel points or flexible points like American Express Membership Rewards or Chase Ultimate Rewards. Each of these rewards currencies offers varying return value, depending on how you redeem them, and the degree to which they can offset your business’ expenditure.

Let’s take a look at the best business credit cards for gas, so that your LLC can double its rate of return and unlock savings across its operations.

Best Business Credit Cards for Gas: Overview

Here’s an overview of the best business credit cards for gas.

Best Business Credit Cards for Gas

Here are the best business credit cards for gas purchases. We’ve started with annual fee-incurring cards and included a separate list of $0 annual fee business gas cards further down.

Wyndham Rewards Earner® Business Card

If you often stay at Wyndham properties for business travel, the Wyndham Rewards Earner® Business Card is one of the best options out there.

This card offers an eye-watering 8X points per dollar spent on gas purchases, which makes racking up Wyndham Rewards points a breeze.

If your LLC spends $30,000 per year on gas, you’d earn 240,000 points on that spending alone—enough for eight award nights in one of Wyndham’s upscale properties or 32 award nights in one of its budget properties (based on current award rates). That offers significant savings potential on business hotel stays simply by leveraging your existing gas expenditure.

On top of that, this card also offers 8X points on stays at Wyndham properties, offering a competitive rate of return for business stays.

All of this comes with a modest annual fee of $95.

With the Wyndham Rewards Earner Business Card, you’ll also get 5X points per dollar spent on advertising, marketing and utilities—the latter of which is both a unique and powerful category for business owners.

Cardholders receive complimentary Wyndham Diamond status, which includes perks such as early check-in, late checkout and suite upgrades. You’ll also be rewarded with 15,000 Wyndham Rewards points every account anniversary, which is enough to cover two award nights in one of Wyndham’s budget properties.

The Wyndham Rewards Earner Business Card also offers cellphone protection, zero liability fraud protection, no foreign transaction fees, extended warranty protection and the option to add employee cards for free—enabling your employees to boost your rewards balance while you remain in control of their spending.

If you spend a significant amount on gas and on stays at Wyndham properties, it’s hard to find a better business card than the Wyndham Rewards Earner Business Card.

American Express® Business Gold Card

The American Express® Business Gold Card (see rates and fees) makes it easy for business owners to rack up points without having to worry about which spending categories to activate.

Simply pay your expenses as you normally would, and the two largest eligible spending categories from each statement period will earn 4X Membership Rewards points per dollar spent, up to $150,000 per calendar year for the top spending categories combined, and 1X points per dollar thereafter.

So, if gas is among the two largest spending categories for your company, the 4X Membership Rewards points would be applied to all gas purchases at the end of each statement period.

Here are the qualifying spending categories eligible for 4X points:

• Purchases made at U.S. media providers for advertising in select media (online, TV and radio)
• Purchases made from U.S. electronic goods retailers and software and cloud system providers
• Purchases at U.S. restaurants, including takeout and delivery
• Purchases at U.S. gas stations
• Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses and subways
• Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.

That would allow your business to earn up to 600,000 Amex points in these combined categories alone if you hit the $150,000 spending cap.

Amex Membership Rewards points are fully transferable to a roster of more than 20 airline and hotel loyalty programs for outsized value.

One of the best features of the Amex Business Gold Card’s rewards structure is that your bonus categories are automatically adjusted to whatever your top two spending categories are without the need to activate them. This combination of simplicity and flexibility is ideal for business owners, allowing you to dedicate your time to more pressing tasks.

The card also offers 3X points per dollar spent on prepaid hotels and flights booked through American Express Travel®, enabling you to earn a competitive return on business-related travel expenses.

Similarly, you can get up to $240 worth of statement credits for business spending at office supply stores, FedEx and Grubhub, issued in up to $20 monthly credits, as well as an extra $12.95 in monthly credits toward Walmart+ membership (subject to auto-renewal, up to $12.95 plus applicable taxes on one membership fee, Plus Up excluded). 

The annual fee is $375 (see rates and fees), which your business can offset easily by spending alone. You also can add up to 99 employee cards to the account for no additional fee, enabling your employees to boost your rewards balance. This card has no foreign transaction fees (see rates and fees), extended warranty protection, purchase protection, trip delay insurance and rental car insurance.

Marriott Bonvoy Business® American Express® Card

The Marriott Bonvoy Business® American Express® Card (see rates and fees) is another great option for businesses that spend a lot of money on hotels and at the gas pump. If you can prioritize Marriott Bonvoy properties for your business-related travel, this card can pay off.

You’ll earn 6X points per dollar spent at hotels that participate in Marriott Bonvoy.

Plus, you’ll earn 4X Marriott Bonvoy points on the following categories:

• Restaurants worldwide
• U.S. gas purchases
• U.S. shipping purchases
• Wireless telephone services purchased directly from U.S. providers

On top of that, you’ll earn 2X points on all other purchases, meaning that you’ll receive a handsome bonus rate no matter where you’re spending your money.

This makes the card a powerful tool for business owners, enabling your LLC to earn points not only on gas and hotel stays, but also on other key business expenses like client dinners, shipping expenses, wireless telephone bills and miscellaneous operational costs.

With your Marriott Bonvoy points, you can book award nights at more than 10,000 properties across more than 30 brands and 143 countries. Likewise, you can transfer your Marriott Bonvoy points to a number of airline frequent-flyer programs, albeit at suboptimal rates.

Getting this card also means that you’ll be automatically upgraded to Marriott Bonvoy Gold Elite status, which includes perks such as late checkout, room upgrades and a 25% points bonus on eligible hotel purchases. You’ll also get a 7% discount on eligible hotel stays booked directly through Marriott Bonvoy.

This card also gets you 15 elite night credits toward Platinum Elite status every calendar year and a free night award every calendar year (worth up to 35,000 Bonvoy points). You can also earn a second free night award by spending more than $60,000 on the card in a calendar year.

The Marriott Bonvoy Amex Card has an annual fee of $125 (see rates and fees). However, you can expect no foreign transaction fees (see rates and fees) and the ability to add employee cards for no additional fee, making it easy to rack up hundreds of thousands of points on your business expenditure.

Citi® / AAdvantage Business™ World Elite Mastercard®

If you often find yourself hopping on American Airlines flights for business, the Citi® / AAdvantage Business™ World Elite Mastercard® may be your best option.

This card offers 2X AAdvantage miles per dollar spent on purchases with American Airlines and 2X miles in these other categories:

• Gas station purchases
• Car rentals
• Select telecommunications merchants and cable and satellite providers

The card also offers 1X miles on all other purchases, making it easy to rack up AAdvantage miles fast.

This card offers several perks when it comes time to board an American Airlines flight. You’ll get a free checked bag for you and up to four companions on the same reservation offering savings of up to $400 per round-trip journey, priority boarding and 25% off in-flight purchases, including food, beverages and Wi-Fi.

Additionally, if your business charges $30,000 to the card within a cardmember year, you’ll receive a companion certificate for domestic travel ($99 ticketing fee plus taxes and fees apply).

Similar to the other cards on this list, this card also has no foreign transaction fees and allows you to add employee cards for free. One of the major benefits of this card is that you earn 1X loyalty point for every dollar spent. This applies to both the primary cardholder and employee cards, meaning you can spend your way to elite AAdvantage status and loyalty reward perks.

The card has an annual fee of $99 but costs $0 to hold in the first cardmember year, making it a cheap option with big rewards.

Best Business Cards for Gas with No Annual Fee

Business cards that require you to pay an annual fee are typically going to have more lucrative rewards structures than cards that don’t have an annual fee, and these rewards will easily offset the annual fee if used correctly.

However, if you’re not into the idea of paying a membership fee, some cards on the market offer great cashback bonuses at gas stations.

The Blue Business® Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express (see rates and fees) offers maximum flexibility and redemption potential, all for a $0 annual fee (see rates and fees).

While the card doesn’t offer a bonus points multiplier on gas purchases directly, it offers 2X Membership Rewards points per dollar spent on all purchases. These rewards are capped at $50,000 in spending per year, with a rewards rate of 1X points thereafter.

That means you can earn a maximum of 100,000 Amex points per year on all of your business expenditure, be it at the pump, office supply stores or at your local client dinner spot.

If that isn’t enough, Membership Rewards points can be transferred to Amex’s long list of hotel and airline rewards partners, offering you the ability to offset the cost of business travel using your points.

This card offers significant rewards and savings potential without big fees.

Costco Anywhere Visa® Business Card by Citi

If you’re a Costco member and want to earn cash back on your business’ gas purchases, the Costco Anywhere Visa® Business Card by Citi could be your best option.

This card has a $0 annual fee and offers 5% cash back on gas at Costco and 4% cash back on all other eligible gas and electric vehicle spending. The 5% and 4% categories are capped at a combined $7,000 in annual spending, after which you’ll earn 1% cash back.

The Costco Anywhere Business card also offers 2% cash back on Costco purchases and 3% cash back on eligible travel purchases and restaurants, including Costco Travel.

On top of that, cardholders have access to purchase protection, lost baggage protection, worldwide car rental insurance and travel accident insurance. The card is also free of foreign transaction fees.

However, keep in mind that you must be a Costco member to be approved for this card, so it’s not exactly free to hold.

Overall, if you’re an existing Costco member and spend equal to or less than $7,000 on gas for your LLC, this could be a solid card choice.

Chase Ink Business Cash® Credit Card

The Chase Ink Business Cash® Credit Card offers 2% cash back on up to $25,000 per year spent at gas stations and restaurants, and 1% cash back thereafter. It also offers 5% cash back on up to $25,000 per year spent on internet, cable and phone services, and at office supply stores, and 1% thereafter.

While the welcome offer alone makes this card appealing, its true value lies in the ability to transfer Chase Ultimate Rewards points to premium credit cards like the Chase Ink Business Preferred® Credit Card and the Sapphire Reserve for Business℠.

By doing so, you can increase their value when redeeming for travel—points can be worth up to 1.75 cents each with the Ink Business Preferred and up to 2 cents each with the Sapphire Reserve for Business on select travel booked through Chase Travel℠. Additionally, transferring points to Chase’s airline and hotel partners can yield even greater value with redemptions often exceeding 2 cents per point.

This card has no annual fee, making it a lucrative tool from the get-go. It also offers purchase protection, extended warranty, auto rental coverage and no additional charge for employee cards. Unfortunately, the card charges a 3% foreign transaction fee. However, if your LLC operates exclusively within the U.S., this isn’t typically anything to worry about.

Bank of America Business Advantage Customized Cash Rewards Credit Card

As a default, the Bank of America Business Advantage Customized Cash Rewards Credit Card offers 3% cash back on gas and EV charging station purchases. However, you can choose to receive 3% cash back in one of the five following categories instead:

• Business consulting services
• Computer services
• Office supply stores
• Television, telecommunications and wireless services
• Travel

This reward structure gives your LLC maximum flexibility, allowing you to get the best rewards rate in the category where your business spends the most.

You’ll also earn 2% cash back at restaurants and 1% back on everything else.

Keep in mind that there is a joint spending limit of $50,000 for the 3% and 2% cashback categories each calendar year. If your business put all of the $50,000 spending cap toward the 3% category, you’d earn $1,500 in cash back. Luckily, 1% cashback earnings are unlimited.

However, you can earn even more cash back if you’re a Bank of America Preferred Rewards member.

As a Platinum Honors member—the highest status tier—you can earn 75% more cash back on every purchase, meaning you’d earn 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year. Not to mention 1.75% unlimited cash back on all other purchases. That could give your LLC up to $2,625 in cash back in the choice category each year.

Even as a Gold member—Bank of America’s lowest status tier—you can still earn 25% bonus cash back across all categories.

For a $0 annual fee card, the Business Advantage Customized Cash Rewards card offers some of the best rates of return on your spending, be it on gas or other business-related purchases.

U.S. Bank Triple Cash Rewards Visa® Business Card

The U.S. Bank Triple Cash Rewards Visa® Business Card is one of the best cards for business owners who spend heavily on gas and travel—be it the consultant who’s always on the road or the property maintenance business with its small fleet of vans.

The card offers 3% cash back at gas stations and EV charging stations with no cap on earnings. On top of that, you’ll earn 3% cash back at office supply stores, cellphone service providers and restaurants—rewarding your business on office essentials and client dinners alike.

It also offers 5% cash back on prepaid hotels and car rentals booked through the Travel Rewards Center, making it particularly lucrative for business-related travel expenditure.

This card has a $0 annual fee and allows you to add employee cards for no additional charge.

Alternative Business Gas Cards: Fleet Cards

So far, we’ve focused our selection on gas cards that reward business owners with cash back, points or miles. These cards are a solid choice for businesses where gas accounts for a significant portion of your budget.

For instance, if you run a business with consultants or salespeople who are frequently on the road, gas will likely account for a significant expense among other costs, such as flights, hotels, client dinners and other overheads.

On the other hand, if you run a business where you have a significant fleet of cars or trucks, you may want to consider a fleet card.

Fleet cards are designed for businesses that, as the name suggests, have a fleet of vehicles on the road. With the help of a fleet card, your business can benefit from fuel rebates, customizable driver controls and limitations, fuel fraud protection and gas station-specific discounts.

Some examples of fleet cards include:

• BP Business Solutions Fuel Plus Program
• Coast fuel card
• Exxon Mobil BusinessPro™ Card
• Shell Card Business Flex™
• Wex Fleet Card

Some fleet cards are closed-loop, meaning you and your drivers can use them for gas purchases at specific gas stations only while others are open-loop allowing for greater spending freedom.

These cards can offer up to 15 cents per gallon back in rebates, translating to significant savings potential for businesses with large fleets of vehicles.

So if your business operates a large fleet and you’d like greater control over your drivers’ spending as well as lucrative fuel rebates, a fleet card would be the better option.

Which Rewards Currency is Best for Businesses That Spend on Gas?

When deciding which type of card to get, your choice is between the following rewards currencies:

• Cash back
• Transferable rewards points
• Airline miles
• Hotel points
• Gas company rewards

If your business has a large fleet of vehicles, you may want to consider a fleet fuel card. These cards can offer significant savings, driver controls and rebates at in-network gas stations.

However, if you don’t have a large fleet of vehicles and/or gas expenditure isn’t the only significant expense for your business, you may want to consider a cash back or travel card. The decision here is between cash back, transferable and non-transferable points.

For instance, if your top concern is reducing operational costs, be it by covering a portion of payroll or rent using your rewards, a cashback card offers simple rewards that are easy to redeem.

In contrast, if you’re open to learning a bit about travel hacking, putting your gas expenditure on a card that earns transferable points—such as Chase Ultimate Rewards or Amex Membership Rewards points—gives you maximum redemption flexibility and enables you to cover your travel expenses. This could result in significant savings if you or your employees are frequently hitting the road or the skies.

Lastly, if the bulk of your business-related travel is with a specific airline or hotel—such as American Airlines or Wyndham—putting your spending on a card that earns rewards with these loyalty programs directly offers significant earning potential in addition to merchant-specific perks such as complimentary elite status. The only downside to this strategy is that you can’t typically transfer your points to other travel rewards programs, so you’re locked into redeeming with a single hotel or airline.

Overall, your spending, the number of vehicles your business owns and your business’ operational costs, travel habits and financial goals will determine which type of card is best.

Additional Savings on Gas

One of the most overlooked ways to save your business money at the gas pump is by signing up for a fuel rewards program.

Some of these rewards programs will give you direct discounts on gas while others let you rack up rewards points every time you fill up at the pump, which can be redeemed for free gas in the future.

The best part is that most fuel rewards programs are free, so you really have nothing to lose by signing up. Find the gas station brands that you or your employees visit the most and go on their website to sign up for their rewards programs.

Some of the most popular programs include Shell’s Fuel Rewards® program, ExxonMobil Rewards+ and BP’s earnify™, among many others.

Pump Your Way to Free Travel and Cash Back Rewards

If you’re running a business that utilizes cars, trucks or anything else that’s fueled at a gas station, gas is probably one of your primary expenses. In this case, you’re going to want to get a card that will earn you rewards every time you’re at the pump.

Beyond that, you’re going to want to compare the rewards structures for each of the cards on this list to determine which one is going to reward you most for your specific spending mix.

When it comes to deciding whether you want a card with or without an annual fee, assess whether the additional rewards from a card with an annual fee are enough to offset it.

One of the best ways to determine which card would be best for your business is to look at your expenses from the previous year and calculate how much you would have earned in rewards with each card. Assuming your expenses stay relatively similar, this will help you pick the card that will benefit you the most.

To learn more about how to leverage your LLC’s expenditure for discounted travel and cashback rewards, sign up for the free 10xTravel course today.