The 10 Best Business Credit Cards for Gas Station Purchases [2021]

Man pumping gas

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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 recommendations.

Best Business Credit Cards for Gas Station Purchases

Paying for gas with credit card
Every gas station purchase can earn rewards when you select the right business card. Image Credit: LIGHTFIELD STUDIOS via Adobe Stock

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 credit 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:

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.

  • Purchases at U.S. gas stations, U.S. restaurants, or on U.S. shipping
  • Airfare purchased directly from the airline
  • Select technology purchases such as software, hardware, or cloud solutions from U.S. providers
  • U.S. media advertising including online, TV, or radio

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.

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
  • U.S. restaurants
  • U.S. shipping
  • U.S. wireless telephone services from U.S. providers

We also like that the card comes with complimentary Marriott Bonvoy Silver Elite status, 15 elite night credits towards a higher elite level, and a free hotel night certificate each year.

If you’re a Marriott loyalist, you’ll find our list of the best cards for those who choose Marriott informative.

3. Wyndham Rewards® Earner℠ Business Card

You have to love the 8 points per dollar spent at Wyndham properties offered on this 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. They’ll also appreciate the added cell phone protection that comes with the card.

Add in 15,000 bonus points at card anniversary time and complimentary Wyndham Rewards Diamond elite status and the card starts to sound like an interesting potential choice for Wyndham loyalist business owners.

4. CitiBusinesss® / AAdvantage® Platinum Select® Mastercard®

For the businessperson who flies on American Airlines, earning miles may be a priority. The CitiBusiness Platinum Select card helps you accumulate miles quickly with 2x miles per dollar spent on business purchases, such as at gas stations but also with American Airlines, on telecommunications, with cable/satellite providers, and for car rentals.

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.

Best No-Annual-Fee Business Cards for Gas Station Purchases

Car at Costco Gas station
Even no-annual-fee business cards can earn well on gas station purchases. Image Credit: Erik Mclean via Pexels

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.

5. 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%.

6. Ink Business Cash® Credit Card

We like the fact that the Ink Business Cash card earns 2% cash-back on gas station purchases in the form of valuable Ultimate Rewards points. 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 5x earnings at office supply stores and internet, cable, and phone services a real earning opportunity for businesses.

7. 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 (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.

For more information on the Costco Anywhere Business card, its rewards, and benefits, check out our comprehensive review.

Hot Tip: We’ve included this card as one of our no-annual-fee cards, but you do need to have a Costco membership to be approved for the card.

8. Bank of America® Business Advantage Customized Cash Rewards Credit Card

This business 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.

There is a generous combined total of up to $250,000 in purchases for all 3% earnings each calendar year.

Additionally, restaurant purchases earn 2% cash-back and all other purchases earn 1%.

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.

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

Earn 3% cash-back when you use your card to make purchases at gas stations, office supply stores, cell phone service providers, and restaurants. There is no limit on the amount of cash-back you can earn.

Business owners will also like the introductory 0% APR on purchases for 15 billing cycles, perfect for making a large purchase and paying it back over time without interest charges. The same 0% APR also applies to balance transfers. A variable interest rate applies after the 15 billing cycles and fees will apply to balance transfers.

10. 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 each 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.

Bottom Line: There are several business credit 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

Shell Fuel Rewards
Earn more by signing up for a gas station’s fuel rewards loyalty program. Image Credit: Shell

Fuel Rewards Programs

While earning rewards with your credit card for gas purchases is a great idea, 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 credit 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
  • 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).

Best Business Credit Cards for Gas Purchases — Summary

We’ve mentioned a lot of credit cards that could earn well on your gas station purchases but now it’s time to summarize how our featured cards earn on those purchases.

CardEarnings on Gas Station Purchases
Amex Blue Business Cash card2% cash-back (up to $50,000 in purchases each year)
Amex Business Gold card4x Membership Rewards points per dollar spent if U.S. gas stations are 1 of your 2 largest categories of expenses (up to $150,000 in purchases each year)
Amex Blue Business Cash card2% cash-back (up to $50,000 in purchases each year)
Bank of America Business Advantage Customized Cash card3% cash-back (up to $250,000 in purchases each year)
CitiBusiness Platinum Select card2x AAdvantage miles per dollar spent
Costco Anywhere Business card4% cash-back (up to $7,000 in purchases each year)
Huntington Voice Business card4% cash-back (up to $7,000 in purchase each year)
Ink Business Cash card2% cash-back (up to $25,000 in purchases each year)
Marriott Bonvoy Business card4x Marriott Bonvoy points per dollar spent at U.S. gas stations
U.S. Bank Business Triple Cash Mastercard3% cash-back
Wyndham Rewards Earning Business card8 points per dollar spent

Bottom Line: When selecting a business credit card to use for gas station purchases, look for 1 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.

Final Thoughts

If you own a car, boat, 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 earns well on gas purchases is a good 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 credit 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.

Frequently asked questions

Which is the best business credit card for gas purchases?

The best business credit 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 that 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

About Christine Krzyszton

Christine, who lives in Northern Michigan, travels about 300,000 miles a year despite her remote location. Her expertise is traveling the world on a weekend with no pre-determined destination in mind, letting the cost of the airfare determine where she will go. She has over four million flown miles and elite status on all three major domestic carriers.

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