If you run a business where a large percentage of your expenses are incurred at the gas pump, finding the right business credit card with rewards on gas purchases should be a top priority for you. Different business cards offer different rewards currencies on gas, such as cash back, airline miles, hotel points or flexible points like American Express Membership Rewards or Chase Ultimate Rewards.

Each of these different currencies is going to have a different value depending on how you redeem your points. For instance, if hotel stays are important to your business, then you’re probably better off going with a business card that earns hotel points. For that reason, this list of the best business cards for gas rewards is in no particular order.

However, the best business cards for gas will earn at least 2X points or 2% cash back at the gas pump. If your current business card isn’t earning that much, then you’re missing out.

Let’s dive into the best business cards for gas rewards in 2022.

Wyndham Rewards Earner® Business Card

If you consistently stay at Wyndham properties for business, the Wyndham Rewards Earner® Business Card is probably the best option for you. First of all, this card offers 8X points per dollar on gas, which means that racking up Wyndham Rewards points quickly is extremely easy.

On top of that, this card also offers 8X points on stays at Wyndham properties. 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, and 1X point on all other purchases. This card gives you automatic Diamond status, which includes perks like early check-in, late checkout, free tickets to local experiences and suite upgrades. You’ll also be rewarded with 15,000 Wyndham Rewards points every account anniversary.

The Wyndham Rewards Earner Business Card offers cell phone protection, zero liability fraud protection, no foreign transaction fees, extended warranty protection and the option to add employee cards for free.

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

Wyndham Rewards Points Value

Since award stays through Wyndham Rewards cost either 7,500, 15,000 or 30,000 points per night, the 15,000-point annual bonus will get you either one or two free nights every year, automatically offsetting the $95 annual fee.

 

Wyndham Grand Clearwater Beach

Wyndham Grand Clearwater Beach (Photo Courtesy of Wyndham Hotels)

American Express® Business Gold Card

The American Express® Business Gold Card makes it easy for business owners to rack up points without having to worry about which spending categories are the most lucrative. Just pay your expenses as you normally would, and the two largest spending categories from each statement period will earn 4X Membership Rewards points, up to $150,000 per calendar year for the two spending categories combined, 1X point per dollar after that.

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 is the list of qualifying spending categories:

  • U.S. purchases from gas stations
  • Airfare purchased through airlines
  • U.S. purchases for advertising in select media
  • U.S. purchases at restaurants
  • U.S. purchases for shipping
  • U.S. purchases from select technology providers for cloud solutions, software, and computer hardware

One of the best features of this rewards structure is that your bonus categories are automatically adjusted to whatever your top two spending categories are, meaning you don’t really have to pay any mind to which purchases are going to earn the most points.

The annual fee is $295 (see rates & fees), which should be easily offset by spending bonuses. Also, you can add up to 99 employee cards to the account for no additional fee. This card has no foreign transaction fees, extended warranty protection, purchase protection, trip delay insurance and rental car insurance. Plus, if you’ll get 25% of your rewards back after you redeem them for qualifying flights using the Pay with Points feature.

American Express Membership Rewards Points Value

Membership Rewards points are one of the most valuable transferable currencies in the industry. So, if you’re earning 4X points on gas purchases, that means you’re getting a good return for every dollar your business spends on gas.

Membership Rewards points are also extremely flexible when it comes to the various ways you can redeem them. However, your best bet to get the most value out of your points is to transfer them to hotel or airline partners.

Best Business Cards for Gas

Marriott Bonvoy Business™ American Express® Card

The Marriott Bonvoy Business™ American Express® Card is another great option for small businesses that spend a lot of money on hotels and at the gas pump. 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 what you’re spending your money on.

Getting this card also means that you’ll be automatically upgraded to 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 achieving Platinum Elite status every calendar year and a free night award every calendar year (worth up to 35,000 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 & fees). However, you can expect no foreign transaction fees and the ability to add employee cards for no additional fee.

Marriott Bonvoy Points Value

Since Marriott Bonvoy points aren’t the most valuable points, so the return you get won’t be the best out of the cards on this list.

However, the fact that Marriott is one of the largest hotel chains in the world and the fact that you can transfer Marriott Bonvoy points to airline partners makes this card well worth it. Plus, the free night award and 15 elite night credits immediately counteract the annual fee.

best cards for restaurants worldwide

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

If you find yourself hopping on American Airlines flights often for business, the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® may be your best option.

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

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

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

This card also 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, priority boarding and 25% off in-flight purchases including food, beverages and Wi-Fi. Plus, if you spend $30,000 within a cardmember year, you’ll receive a companion certificate for domestic travel.

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. This card has an annual fee of $99, but it’s waived for the first 12 months.

American Airlines AAdvantage Miles Value

American Airlines AAdvantage is one of the most popular frequent-flyer programs with a wealth of award flight options available. If your business requires you to hop on a plane often, this card could save you a bunch of money.

If you want to get the most value for those bonus miles, spend them on business- and first-class flights with partner airlines like Cathay Pacific or Qatar Airways.

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.

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, there are some cards out there that offer great cashback bonuses at gas stations.

Ink Business Cash® Credit Card

The Ink Business Cash® Credit Card offers 2% cash back on up to $25,000 per year spent at gas stations and restaurants (then 1%). 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 (then 1%).

While these bonuses alone make this card lucrative, what really makes this a good option is the fact that you can transfer your Chase Ultimate Rewards points to premium credit cards (such as the Chase Sapphire Preferred® Card or the Chase Sapphire Reserve®) and increase their value by 25% to 50%, respectively, when you redeem them for travel.

You can then transfer your Chase Ultimate Rewards points to one of their hotel or airline partners to increase that value even more.

This card has no annual fee and 0% introductory APR for the first 12 months. It also offers purchase protection, extended warranty and no additional charge for employee cards. Unfortunately, the card charges a 3% foreign transaction charge.

Costco Anywhere Visa® Card by Citi

If you’re a Costco member and want to earn cash back on gas purchases, the Costco Anywhere Visa® Card by Citi could be your best option. This card has no annual fee and offers 4% cash back at any gas station (not just at Costco) on up to $7,000 of purchases per year, and 1% back after that.

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

On top of that, cardholders have access to purchase protection that covers theft or damage up to $1,000 per purchase and up to $50,000 per year for up to 120 days after the purchase. This card also has no foreign transaction fees.

Again, you must be a Costco member to be approved for this card.

business credit card

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 purchases. However, you can also choose from one of five categories to receive that 3% cash back instead.

These categories include:

  • Computer services
  • Consulting services
  • Office supply stores
  • Telecommunications and wireless services
  • Television

This reward structure allows you to get the best bonus rate in the category where you spend the most money for your business. You’ll also always earn 2% cash back at restaurants and 1% back on everything else.

There is a limit of $50,000 for 3% and 2% cash back earnings each calendar year. However, 1% cashback earnings are unlimited.

This card has no annual fee and 0% introductory APR for the first nine billing cycles. It also has zero liability protection and travel insurance.

U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®

The U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® is one of the best business cards for people who travel by car for their business. It offers 3% cash back at gas stations and EV charging stations. On top of that, you’ll also earn 3% back at office supply stores, cell phone service providers and restaurants.

This card also offers 5% cash back on prepaid hotels and car rentals booked through the Travel Rewards Center. Imagine how many rewards you could earn on a road trip in a rental car!

This card also has no annual fees and allows you to add employee cards for no additional charge.

Additional Savings on Gas

As a side note, one of the most overlooked ways to save at the gas pump is by signing up for fuel rewards programs. 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 all fuel rewards programs are free, so you really have nothing to lose by signing up. Find the gas station brands that you visit the most and go on their website to sign up for their rewards programs.

The Bottom Line

If you’re running a business that utilizes cars, trucks, boats or anything else that’s fueled at a gas station, then 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 go to the gas 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, you want to 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 you 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 the same, this will help you pick the card that will benefit you the most.