If your business requires a lot of road travel or you’re simply spending a lot at gas stations, you’ll want a business card that earns rewards specifically on those purchases.
You may also want a card that brings additional earning opportunities on business purchases, desirable redemption options, and benefits you or your business can use.
Since rewarding your largest business purchases makes perfect economic sense, today we’ve chosen to look at a collection of business cards from several different card issuers that offer elevated earnings for purchases at gas stations.
However, in addition to bonus earnings at gas stations, the cards could also provide overall bottom-line value to your business.
If you’re looking for a business card to use at gas stations and earn big rewards, you’ll want to keep reading for our top recommendations.
What To Look For in a Business Card for Gas Station Purchases
When thinking about which cards to get for gas station purchases, it’s best not to overthink things. Stick to the credit cards that offer the best rewards.
Sure, there are other considerations, like which cards offer good travel insurance and shopping protections, but in the context of filling up your tank, you’ll want to focus on which cards give you the best bang for your buck on your gas spending.
We also recommend thinking about your holistic approach to credit cards — if you value luxury travel benefits from your card over rewards on gas purchases, the recommended cards might change.
So in this guide, we’ve compiled all of the best business cards that earn the most rewards for gas purchases. Let’s get down to business!
The 4 Best Business Cards for Gas Station Purchases
It’s possible to earn a variety of rewards currencies on gas station purchases including cash-back, hotel points, airline miles, and flexible points such as Chase Ultimate Rewards or American Express Membership Rewards.
Each currency will have a different value based on how you redeem your rewards, so our list is not in any particular order of earnings.
Just know that the best business cards for gas station purchases will earn at least 2x rewards or 2% cash-back. There are several cards that earn much more.
Here are some of our recommendations for business cards that have an annual fee:
||Welcome Bonus and Annual Fee
||Benefits for Gas Stations Purchases
|American Express® Business Gold Card
- Earn 70,000 points after you spend $10,000 on purchases in the first 3 months.
- Annual fee of $295 (rates and fees)
|4x points, up to $150,000 per calendar year in combined purchases, on the 2 select categories where your business spends the most each month (including U.S. gas stations)
|Marriott Bonvoy Business® American Express® Card
- Limited Time Offer: Earn 100,000 Bonus Marriott Bonvoy Points after spending $4,000 in purchases on your new Card in your first 3 months of Card Membership. Offer expires 11/2/22.
- Annual fee of $125 (rates and fees)
|4x points at U.S. gas stations
|Wyndham Rewards® Earner℠ Business Card
- Earn 45,000 bonus points after spending $1,000 on purchases in the first 90 days.
- Annual fee of $95
|8x points at gas stations
|CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
- Earn 65,000 miles after spending $4,000 in purchases within the first 4 months
- Annual fee of $99, waived for first 12 months
|2x miles at gas stations
Hot Tip: When selecting a business card to use for gas station purchases, look for one that earns no less than 2x earnings or 2% cash-back, has additional earning potential for other business expenses, redemption options that add value, and benefits and protections you and your business can utilize.
1. American Express® Business Gold Card
Busy business owners will like the simplicity of how the 4x earning is applied on the Amex Business Gold card.
Just use the card to pay your business expenses and the 2 largest categories of expenses each statement period will earn 4x Membership Rewards points for each dollar spent, up to $150,000 in combined purchases from these 2 categories each calendar year.
For example, if your business’s largest expenditures were at gas stations and media advertising, those are the 2 categories that will receive 4x earnings.
Here is a list of qualifying bonus categories:
- U.S. purchases at gas stations
- Airfare purchased from airlines
- U.S. purchases for advertising in select media
- U.S. purchases made from select technology providers of computer hardware, software, and cloud solutions
- U.S. purchases at restaurants
- U.S. purchases for shipping
The best part about these bonus categories is that they’re automatically adjusted every month based on where your business spends the most.
And with no preset spending limit, you can be confident that your card can keep up while your business purchases grow.
With plenty of additional travel/shopping benefits and protections and a suite of expense management tools, the card is worth considering as your primary business card.
There are no foreign transaction fees, and you can add a total of up to 99 employee cards with no annual fees after the first employee card ($50 annual fee; rates and fees).
Why We Like Earning Amex Membership Rewards Points
We consider the American Express Membership Rewards points to be the most valuable among transferrable currencies, according to our valuations. Worth 2.2 cents each, earning 4x points is equal to a return on spending of 8.8%!
As always, the best way to get top-notch value from those Amex points is to transfer them to airline and hotel partners and then book luxury award travel.
Other ways to use your points (albeit for reduced value) are for travel booked through Amex Travel, gift cards, charity, merchandise, and statement credits.
2. Marriott Bonvoy Business® American Express® Card
If you’re a business traveler who favors Marriott as your hotel brand of choice, you’ll enjoy the elevated earnings at Marriott properties with the Marriott Bonvoy Business card.
Any good business card, however, also allows you to earn rewards on common business expenses, and the card does just that.
You can expect unlimited 4x earnings on the following purchases:
- U.S. gas stations
- Restaurants worldwide
- U.S. shipping
- U.S. wireless telephone services from U.S. providers
In addition, you’ll earn 6x points at hotels participating in Marriott Bonvoy, as well as 2x points on all other purchases.
We also like that the card comes with complimentary Marriott Bonvoy Gold Elite status, 15 Elite Night Credits towards a higher elite level, and a free hotel night certificate each year.
Lastly, expect no foreign transaction fees and employee cards at no additional fee as additional features of the card (rates and fees).
Hot Tip: If you’re a Marriott loyalist, you’ll find our list of the best cards for those who choose Marriott informative.
Why We Like Earning Marriott Bonvoy Points
Marriott is one of the largest hotel companies in the world., and most of us know that its loyalty program, Marriott Bonvoy, can be used for free hotel stays. And in general, using your points for reward stays is a pretty solid way to get our published valuation of 0.7 cents per point.
But did you know that you can actually redeem your points for luxury award travel by transferring them to airline partners? In fact, this is actually our favorite method to extract value from Marriott Bonvoy points.
3. Wyndham Rewards® Earner℠ Business Card
You have to love the 8x points at Wyndham properties offered on the Wyndham Rewards Earner Business card.
Add the fact that these 8x earnings extend to purchases at gas stations and this card could be very attractive to those who frequently stay with Wyndham. Imagine the earnings you could accumulate on a road trip!
Additionally, business owners will like the 5x earnings on advertising, marketing, and utilities. You’ll get 1x points on all other purchases.
Other perks include an annual bonus of 15,000 Wyndham Rewards points every anniversary year, automatic Diamond status, the ability to redeem 10% fewer Wyndham Rewards points for certain redemptions, and even cell phone protection.
If you’re a traveler that stays frequently at Wyndham properties, this could be an interesting potential choice for you.
Lastly, the card is rounded out with no foreign transaction fees, zero liability fraud protection, employee cards for no additional fee, and extended warranty protection.
Why We Like Earning Wyndham Rewards Points
Wyndham Rewards’ suite of credit cards attracts a lot of attention because of the awesome earning categories and automatic elite status.
We value Wyndham Rewards points at 0.9 cents each, which means that earning 8x points would be equivalent to a return on spending of 7.2% when spending on gas!
Reward stays at Wyndham properties cost 7,500, 15,000, or 30,000 points per night, depending on the property, so it’s easy to get excellent value from your spending.
4. CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
For the businessperson who flies on American Airlines, earning miles may be a priority. To start with, this card boasts an awesome welcome bonus.
Moving further down the benefits list, the CitiBusiness Platinum Select card helps you accumulate miles quickly with 2x miles on business purchases, such as at gas stations but also with American Airlines, on telecommunications, with cable/satellite providers, and for car rentals. On all other purchases, you can earn 1 mile per dollar spent.
American Airlines-related benefits, such as a free checked bag, preferred boarding, and inflight purchase discounts could make the card attractive to those business owners who fly American frequently. You’ll even get a companion certificate for domestic main cabin travel after you spend $30,000 or more in purchases every cardmember renewal year.
There are no foreign transaction fees or additional employee card fees.
Why We Like Earning American Airlines AAdvantage Miles
American Airlines AAdvantage happens to be one of the most popular frequent flyer programs in the world.
We value AAdvantage miles at around 1.4 cents each, but it’s easy to get superior value. That means your gas spending is going to return around 2.8% back into your wallet.
To get maximum value, redeem your AAdvantage miles for business and first class award travel on airlines like British Airways and Qatar Airways.
The 6 Best No-Annual-Fee Business Cards for Gas Station Purchases
You don’t have to pay a hefty annual fee to earn big on gas station purchases. In fact, there is quite a selection of good-value business cards that earn well on those expenditures but do not charge an annual fee.
||Welcome Bonus and Annual Fee
||Benefits for Gas Station Purchases
|Ink Business Cash® Credit Card
- Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months.
- Annual fee of $0
|2% cash-back, up to $25,000 per cardmember year, in combined purchases at gas stations and restaurants
|American Express Blue Business Cash™ Card
- Earn a $250 statement credit after making $3,000 in purchases in the first 3 months.
- Annual fee of $0 (rates and fees)
|2% cash-back on all purchases (up to $50,000 per calendar year)
|Costco Anywhere Visa® Business Card by Citi
- No welcome offer available.
- Annual fee of $0
|4% cash-back at gas stations and EV charging purchases (up to $7,000 per year)
|Bank of America® Business Advantage Customized Cash Rewards Credit Card
- Earn a $300 statement credit after spending $3,000 on purchases in the first 90 days.
- Annual fee of $0
|3% cash-back at gas stations
|U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®
- Earn $500 in cash-back after spending $4,500 in the first 150 days.
- Annual fee of $0
|3% cash-back at gas stations and EV charging stations
|Huntington Voice Business Credit Card℠
- No welcome offer available.
- Annual fee of $0
|4% cash-back (up to $7,000 in purchases every quarter) in 1 of 10 bonus categories, including gas stations
1. Ink Business Cash® Credit Card
We like the fact that the Ink Business Cash card earns 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each year.
Once points have been earned on the card, a transfer can be made to Chase premium cards such as the Chase Sapphire Reserve® or the Chase Sapphire Preferred® Card and then redeemed for travel for up to 50% more in value.
Once transferred to Chase premium cards, points can also be transferred to airline and hotel partners, delivering even greater potential value.
We also find the 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each year can be extremely helpful to your business.
The card also comes with a 0% introductory APR benefit as detailed in the table above, purchase protection, extended warranty, and no additional fee for employee cards.
Why We Like Earning Chase Ultimate Rewards Points
Chase Ultimate Rewards points are among the best travel rewards available. They’re worth around 2 cents per point, according to our valuations, and they can be redeemed in a whole slew of ways, including cash-back, travel via the Chase Ultimate Rewards travel portal, charity, gift cards, cash-back, and merchandise. Unfortunately, all of these methods don’t yield optimal value.
What does yield optimal value, though, is when you transfer your points to travel partners and book reward travel.
2. American Express Blue Business Cash™ Card
Busy small business owners may appreciate not having to keep track of bonus earning categories or learning how to redeem rewards effectively. This is a situation where the Amex Blue Business Cash card makes sense.
The card earns 2% cash-back on every eligible purchase, and when it’s time to redeem those points, the process is super simple given that it’s automatically credited to your statement.
Note that the 2% cash-back is limited to $50,000 per calendar year, so the Amex Blue Business Cash card works best for business owners who spend $50,000 or less each year, which is the maximum amount of purchases that earn 2%.
There’s also a 0% introductory APR promotion as detailed in the table above, as well as access to Amex Offers, and no-fee employee cards (rates and fees).
3. Costco Anywhere Visa® Business Card by Citi
Business owners who have a Costco membership might fare quite well with the Costco Anywhere Business card that earns 4% cash-back at gas stations and EV charging purchases (not just Costco gas stations) on up to $7,000 in purchases each year, then 1% thereafter.
The card offers additional earnings of 2% on Costco purchases and 3% cash-back at restaurants and on eligible travel.
Purchase protection and access to Citi Entertainment are also offered to cardholders.
Hot Tip: We’ve included the Costco Anywhere Business card as one of our top no-annual-fee cards, but you do need to have a Costco membership to be approved for the card.
4. Bank of America® Business Advantage Customized Cash Rewards Credit Card
The Bank of America Business Advantage Customized Cash card offers a hefty 3% cash-back on purchases at gas stations as a default option, or you can select from 5 additional 3% bonus categories.
With additional categories including office supply stores, TV, telecom/wireless, computer services, and consulting services, this no annual fee business card could be a good choice for a business owner.
Additionally, restaurant purchases earn 2% cash-back and all other purchases earn 1%.
There is a generous combined total of up to $50,000 in purchases for all 3% and 2% earnings each calendar year.
Hot Tip: For more information on the best Bank of America cards for cash-back and rewards, you’ll want to check out our article that summarizes your choices.
5. U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®
With the U.S. Bank Business Triple Cash Mastercard, you can earn 3% cash-back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers, and restaurants.
You’ll also earn 5% cash-back on prepaid hotels and car rentals booked directly through the Travel Rewards Center and 1% on all other purchases.
There’s a limited-time 0% introductory APR offer, as well as no additional fees for employee cards.
6. Huntington Voice Business Credit Card℠
Each quarter, the Huntington Voice Business card offers 4% cash-back earnings in 1 of 10 bonus categories, up to $7,000 in purchases per quarter. You guessed it — 1 of those categories is gas stations.
Other bonus categories include grocery stores, travel/entertainment, restaurants, electronic stores, utilities, warehouse/discount stores, department stores, home improvement, office supply stores, and auto parts stores.
There are no foreign transaction fees, no extra fees for employee cards, and a late fee grace period.
Bottom Line: There are several business cards that earn well on gas station purchases and provide additional earnings on other business purchases. Best of all, there are several business card choices that do not charge an annual fee.
Additional Earnings at Gas Stations
Fuel Rewards Programs
While earning rewards with your card for gas purchases is a savvy plan, you may realize even greater earnings for the same purchase by signing up for gas station fuel rewards programs.
Fuel rewards programs offer discounts on gas purchases, redemption options including free gas, food, or merchandise, and promotional incentives.
Here are some popular fuel rewards programs to check out:
When you sign up for a fuel rewards program, you’ll receive email offers that can include special promotions for even greater earnings or savings.
Hot Tip: Don’t forget that personal cards can earn big at gas stations as well. Here are some of the best personal cards for earning at gas stations.
Purchasing Gift Cards
It might not be an obvious observation, but gas stations sell more than gas, and frequently you’ll find promotions for making these additional purchases. For example, some gas stations offer bonus points for purchasing in-store food/beverage or for gift cards.
When you make these purchases, you’ll be earning bonus rewards on your credit card plus any promotional incentive offered by the fuel rewards program.
For gift cards specifically, here are some of the types of cards you might find at gas stations:
- Airlines and hotels
- Department stores
- Dining and food delivery
- Gaming and entertainment
- Home improvement
- Streaming services
To learn more about the best credit cards to use for purchasing gift cards, we’ve put together this guide.
Bottom Line: You can earn additional rewards on gas station purchases by joining the fuel rewards program offered by your gas station brand of choice and by taking advantage of incentives for making in-store purchases (including gift cards).
If you own a car, boat, or other motorized means of transportation requiring fuel, or you fill up that rental car on a regular basis, chances are you’re spending at gas stations. If you’re spending a lot, you’ll certainly want to be earning rewards on those purchases.
Selecting a card that offers elevated earning rates on gas purchases is a smart move, but you’ll also want to consider the entire scope of earnings, redemption options, and benefits that each card offers.
Whether you’re considering a business or personal card, making a list of your highest potential expenses can help you select the best card for your overall spending mix and ensures you’ll earn the most rewards possible.
Ideas for some of the best business cards offering perks and benefits for your business can be found in our article focusing on this topic.
The information regarding the Wyndham Rewards® Earner℠ Business Card, CitiBusiness® / AAdvantage® Platinum Select® Mastercard®, Bank of America® Business Advantage Customized Cash Rewards credit card, U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®, and Huntington Voice Business Credit Card℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
For rates and fees of the American Express® Business Gold Card, click here.
For rates and fees of the Marriott Bonvoy Business® American Express® Card, click here.
For rates and fees of the American Express Blue Business Cash™ Card, click here.