The 6 Best Business Cards for Gas Station Purchases [July 2024]

Top Picks (Quick Summary)

The 3 Best Business Cards for Gas Station Purchases

1. American Express^® Business Gold Card (Top Pick, Best For Earning Lots of Points)

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 100,000 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):

• Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
•  U.S. purchases made from electronic goods retailers and software & cloud system providers
• 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 were at gas stations and 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 monthly 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. This means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.

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).

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:

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).

3. 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.

The 3 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.

1. Ink Business Cash^® Credit Card (No Annual Fee, LOW Intro APR)

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.

2. The 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 & 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 for 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.

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:

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).