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The 10 Best Business Credit Cards for Gas Station Purchases [2024]

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Christine Krzyszton
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Christine Krzyszton

Senior Finance Contributor

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Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, deta...
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A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little ca...
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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.

The Best Business Credit Cards for Gas Station Purchases — Overview

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CardWelcome Offer and Annual FeeGas Purchase Benefits
American Express® Business Gold Card
  • Earn 70,000 points after you spend $10,000 on purchases in the first 3 months.
  • Annual fee of $375 (rates & fees)
4x points on the 2 categories where your business spends the most (one of which is U.S. purchases as gas stations)
Marriott Bonvoy Business® American Express® Card
  • Limited Time Offer: Earn 5 Free Night Awards, valued at up to 50K points each for eligible stays, after you spend $8,000 in the first 6 months. Offer ends 7/10. Resort fees & terms apply.
  • Annual fee of $125 (rates & fees)
More bonus earning categories: 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers, and on U.S. purchases for shipping
Wyndham Rewards® Earner℠ Business Card
  • Earn 50,000 bonus points after spending $4,000 on purchases in the first 90 days and earn 50,000 bonus points after spending $15,000 on purchases within the first 12 months.
  • Annual fee of $95
8x points per $1 spent at Wyndham hotels and gas station
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
  • Earn 75,000 bonus miles after spending $5,000 in the first 5 months
  • Annual fee of $0 intro annual fee for the first year, then $99
2x miles on American Airlines, telecommunications, satellite and cable providers, car rentals, and at gas stations
Ink Business Cash® Credit Card
  • Earn $350 when you spend $3,000 in the first 3 months and an additional $400 when you spend $6,000 on purchases in the first 6 months.
  • Annual fee of $0
2% cash-back on up to $25,000 spent in combined purchases at gas stations and restaurants

0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter The American Express Blue Business Cash™ Card

2% cash-back on all eligible purchases up to $50,000 per year

0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99% (rates & fees) Costco Anywhere Visa® Business Card by Citi

  • No welcome offer available.
  • Annual fee of $0

4% cash-back at gas stations worldwide and EV charging purchases, including Costco (up to $7,000 in purchases/year; 1% thereafter) Bank of America® 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 and office supply stores (up to $250,000 each calendar year) 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, office supply stores, cell phone service providers and restaurants Huntington Voice Business Credit Card℠

  • No welcome offer available.
  • Annual fee of $0

Choose from 10 categories where you’ll earn 4% cash back – on the first $7,000 spent per quarter, or $28,000 annually

What To Look For in a Business Card for Gas Station Purchases

Don’t overthink which cards to get for gas station purchases. 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.

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:

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CardWelcome Bonus and Annual FeeBenefits 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 $375 (rates & 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 5 Free Night Awards, valued at up to 50K points each for eligible stays, after you spend $8,000 in the first 6 months. Offer ends 7/10. Resort fees & terms apply.
  • Annual fee of $125 (rates & fees)
4x points at U.S. gas stations
Wyndham Rewards® Earner℠ Business Card
  • Earn 50,000 bonus points after spending $4,000 on purchases in the first 90 days and earn 50,000 bonus points after spending $15,000 on purchases within the first 12 months.
  • Annual fee of $95
8x points at gas stations
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
  • Earn 75,000 bonus miles after spending $5,000 in the first 5 months
  • Annual fee of $0 intro annual fee for the first year, then $99
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.

American Express® Business Gold Card

BEST FOR BONUSES
American Express® Business Gold CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Learn More(at Amex's secure site)
Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).
Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership
70,000 points
$1,540
$375
19.49% - 28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The American Express® Business Gold Card is excellent at racking up rewards for your business spend.

The card earns a whopping 4x points per $1 in the 2 categories (from a list of 6) that your business spends the most money on each month. With no need to opt-in or preselect your categories, so you can focus on what matters most — running your business.

Pros
  • 4x points per dollar spent on your 2 highest purchase categories each month up to $150,000 each calendar year in purchases; categories include:
    • NEW! Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
    • NEW! U.S. purchases made from electronic goods retailers and software & cloud system providers
    • NEW! Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
    • U.S. purchases at gas stations
    • U.S. purchases at restaurants, including takeout and delivery
    • Purchases at U.S. media providers for advertising in select media (online such as Google Ads, Facebook Ads, plus TV and radio)
  • 3x points per dollar on flights and prepaid hotels booked on amextravel.com using your Business Gold Card
  • Access to Amex’s The Hotel Collection
Cons
  • $375 annual fee (rates and fees)
  • No elite travel benefits like airport lounge access or elite status
  • Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle 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.
  • Your Card – Your Choice. Choose from Gold or Rose Gold.
  • *Terms Apply
Financial Snapshot
  • APR: 19.49% - 28.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 110,000 points with the Amex Business Gold card! The current public offer is 70,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

Busy business owners will like the simplicity of how the 4x earning is applied on the Amex Business Gold card.

This card earns 4x Membership Rewards points on the top 2 categories in which your business spends the most every month (up to $150,000 in combined purchases every calendar year):

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

For example, if your business’s largest expenditures are at gas stations and on media advertising, those are the 2 categories that will receive 4x earnings. 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 & fees).

Why We Like Earning Amex Membership Rewards Points

We consider 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 use the Amex transfer partners and then book luxury award travel.

Other ways to use your points (albeit for reduced value) are for travel booked through AmexTravel.com, gift cards, charity, merchandise, and statement credits.

Marriott Bonvoy Business® American Express® Card

LIMITED TIME OFFER
Marriott Bonvoy Business® American Express® CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A great option for business owners who stay in Marriott hotels and want automatic elite status.

Learn More(at Amex's secure site)
A great option for business owners who stay in Marriott hotels and want automatic elite status.
Limited Time Offer: Earn 5 Free Night Awards, valued at up to 50K points each for eligible stays. Offer ends 7/10. Resort fees & terms apply.
5 Free Night Awards
$1,750
$125
20.99% - 29.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

Business travelers who opt for Marriott as their hotel chain of choice will definitely want to consider the Marriott Bonvoy Business® American Express® Card. The card offers great benefits to cardholders like a complimentary hotel night once a year, complimentary Gold Elite status, and multiple point redemption options.

Pros
  • 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
  • 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
  • 2x points per $1 on all other purchases
Cons
  • Limited Time Offer: Earn 5 Free Night Awards, valued at up to 50K points each for eligible stays. Offer ends 7/10. Resort fees & terms apply.
  • Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
  • 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
  • 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
  • 2x points on all other eligible purchases.
  • Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Award can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
  • Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.
  • Terms apply.
Financial Snapshot
  • APR: 20.99% - 29.99% Variable
  • Foreign Transaction Fees: None
Rewards Center

Marriott Bonvoy

If you’re a business traveler who favors Marriott as your hotel brand of choice, you’ll enjoy 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 & 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 its loyalty program, Marriott Bonvoy can be used for free hotel stays. 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 our favorite method to extract value from Marriott Bonvoy points.

Wyndham Rewards® Earner℠ Business Card

Wyndham Rewards® Earner℠ Business Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Wyndham Rewards Earner Business card is the best card on the market for Wyndham stays thanks to its 8x earnings and automatic Diamond status.

Learn More(at Barclays' secure site)
The Wyndham Rewards Earner Business card is the best card on the market for Wyndham stays thanks to its 8x earnings and automatic Diamond status.
Earn 50,000 bonus points after spending $4,000 on purchases in the first 90 days and earn 50,000 bonus points after spending $15,000 on purchases within the first 12 months.
100,000 points
$95
21.24% to 29.99% variable

For frequent traveling business owners who regularly stay at Wyndham hotels, the Wyndham Rewards Earner Business card is quite the compelling card option that will allow you to get the most out of each Wyndham stay.

Not only will the card help supercharge the number of Wyndham points you’ll earn, but the automatic elite status, annual bonus points, and business protections really make the card a must-have for any Wyndham business traveler.

Pros
Cons
    • $95 annual fee
  • Earn 50,000 bonus points after spending $4,000 on purchases in the first 90 days and earn 50,000 bonus points after spending $15,000 on purchases within the first 12 months. Free nights can require up to 30,000 points per bedroom at participating properties and are subject to availability. Resort fees may apply and cannot be paid with points.
  • Earn 8 points per $1 spent on eligible purchases made at Hotels By Wyndham as well as on qualifying gas purchases.
  • Earn 5 points per $1 spent on eligible marketing, advertising services, and utilities.
  • Earn 1 point per $1 spent on all other purchases (excluding Wyndham Timeshare resorts down payments). That means paying bills, buying office supplies, purchasing inventory, and other business expenses can help you earn your next great vacation!
  • Annual Bonus. Receive 15,000 bonus points each anniversary year–that’s enough for up to two free nights at participating properties.
  • Automatic DIAMOND Level Benefits! Automatically receive a Wyndham Rewards DIAMOND member level and enjoy perks like suite upgrades, welcome amenity at check-in, and more.
  • Enjoy a Cardmember Booking Discount. Wyndham Rewards Earner Business Cardmembers can save even more on our Best Available Rate at participating Hotels By Wyndham.
  • Unlimited Earning. There is no limit to the number of points you can earn.
  • go free® Faster. Redeem 10% fewer Wyndham Rewards points for go free® awards.
  • Redeem your points for free nights at participating Wyndham Rewards properties, online shopping, gift cards and so much more.
Financial Snapshot
  • APR: 21.24% to 29.99% variable
  • Foreign Transaction Fees: 0% of the U.S. Dollar amount

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 who 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 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.

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A low annual fee, a free checked bag, and tons of perks and discounts make this card valuable for business owners who travel.

Learn More(at Citi's secure site)
A low annual fee, a free checked bag, and tons of perks and discounts make this card valuable for business owners who travel.
For a limited time, earn 75,000 American Airlines AAdvantage® bonus miles after $5,000 in purchases within the first 5 months of account opening.
75,000 miles
$1,050
$0 intro annual fee for the first year, then $99
21.24% - 29.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-850)

With the CitiBusiness® / AAdvantage® Platinum Select® Mastercard®, you get a card that gives you perks like boarding privileges, free checked bags, and discounts on inflight purchases, while also earning more miles for your next award redemption.

Pros
  • 2x miles per $1 spent on American Airlines purchases
  • 2x miles per $1 spent on cable and satellite providers, at gas stations, on car rentals, and on select telecommunications merchants
  • 1x mile per $1 spent on all other purchases
Cons
  • $99 annual fee
  • Does not earn transferable rewards
  • Designed for businesses
  • For a limited time, earn 75,000 American Airlines AAdvantage® bonus miles after $5,000 in purchases within the first 5 months of account opening.
  • First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line.
  • 25% savings on American Airlines inflight Wi-Fi when you use your card
  • Enjoy preferred boarding on American Airlines flights
  • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases, and on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations
  • Earn 1 AAdvantage® mile per $1 spent on other purchases
  • Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
  • No Foreign Transaction Fees
Financial Snapshot
  • APR: 21.24% - 29.99% Variable
  • Foreign Transaction Fees: None
Rewards Center

American Airlines AAdvantage Frequent Flyer Program

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 such as 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.

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CardWelcome Bonus and Annual FeeBenefits for Gas Station Purchases
Ink Business Cash® Credit Card
  • Earn $350 when you spend $3,000 in the first 3 months and an additional $400 when you spend $6,000 on purchases in the first 6 months.
  • Annual fee of $0
2% cash-back, up to $25,000 per cardmember year, in combined purchases at gas stations and restaurants

 

 

0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter The American Express Blue Business Cash™ Card

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® 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

Ink Business Cash® Credit Card

Ink Business Cash® Credit Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.
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.
Up to $750
Up to $750
$0
0% intro APR on purchases for 12 months; 18.49% - 24.49% variable thereafter.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Ink Business Cash® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.

When you factor in that the card has no annual fee, and 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter, you could be adding big value back into your business for no cost out of pocket.

Pros
  • Earn 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
  • Earn 2% back on up to $25,000 spent in combined purchases at gas stations and restaurants, and 1% back on all other purchases
  • 10% Business Relationship Bonus if you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
Cons
  • Spending caps in bonus categories
  • Low points earning outside of bonus categories
  • 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
  • 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
  • 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
Financial Snapshot
  • APR: 0% intro APR on purchases for 12 months; 18.49% - 24.49% variable thereafter.
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars
Rewards Center

Chase Ultimate Rewards

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 Chase 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 Travel portal, charity, gift cards, cash-back, and merchandise. Unfortunately, not all of these methods yield optimal value.

What does yield optimal value, though, is when you transfer your points to travel partners and book reward travel.

The American Express Blue Business Cash™ Card

The American Express Blue Business Cash™ CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Take control of your cash-back with the Amex Blue Business Cash card, and earn 2% cash-back on up to $50,000 in purchases each year.

Learn More(at Amex's secure site)
Take control of your cash-back with the Amex Blue Business Cash card, and earn 2% cash-back on up to $50,000 in purchases each year.
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
$250
$0
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

Looking for a way to keep tabs on your office supply costs and business travel expenses while earning cash-back? Then The American Express Blue Business Cash™ Card could be a good fit.

This card offers expense management solutions that are designed to give companies more control, along with a much clearer picture of their business spending. In doing so, the more you spend, the more cash-back you can earn.

Pros
  • 2% cash-back on up to $50,000 in spend, then 1% back thereafter
  • No annual fee
  • Travel and purchase protection
Cons
    • Not ideal for those who spend a lot on a specific category like groceries or gas
  • Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% – 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
  • From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
  • Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
  • No Annual Fee
  • Terms Apply
Financial Snapshot
  • APR: 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
  • Foreign Transaction Fees: 2.7% of each transaction after conversion to U.S. dollars

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 & fees).

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 on 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.

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 business cards for cash-back and rewards, you’ll want to check out our article that summarizes your choices.

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.

Huntington Voice Business Credit Card℠

Each quarter, the Huntington Voice Business card offers 4% cash-back earnings in 1 of 10 bonus categories, on 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, and redemption options including free gas, food, or merchandise, along with 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 earn 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
  • Gas
  • Grocery
  • Home improvement
  • Streaming services
  • Visa/Mastercard

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).

Final Thoughts

If you own a car, boat, or other motorized means of transportation requiring fuel, or you fill up a 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 earn 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 credit cards offering perks and benefits for your business can be found in our article focusing on this topic.

The information regarding the 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.

The information regarding the Wyndham Rewards® Earner℠ Business Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Bank of America® Customized Cash Rewards 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.

Frequently Asked Questions

Which is the best business credit card for gas purchases?

The best business card for gas purchases will earn at least 2% cash-back or 2x earnings on those purchases, but also offer earnings for other business purchases.

The card will also have redemption options that deliver bottom-line value to the business, benefits and protections that can save the business money, or provide protection when needed.

The best business card for gas purchases will vary depending on each business’s spending mix and priorities.

Is is smart to use a credit card for gas?

Yes. Credit cards can provide protections that debit cards do not.

Plus, if you use a credit card that rewards gas purchases, you can earn points, cash-back, or miles on those purchases.

What is a gas rewards program?

Most gas station brands offer their own fuel rewards programs that earn discounts on gas purchases, food and beverage, merchandise, and even free gas.

It’s free to join and you’ll earn rewards in addition to those earned when using your rewards-earning credit card.

Is there a gas credit card that can only be used for gas?

Yes. Gas station-branded credit cards can generally only be used at that specific gas station brand.

Cards issued by financial institutions with payment processing networks such as Visa, Mastercard, and American Express can generally be used anywhere that network is accepted.

Christine Krzyszton's image

About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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