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

    We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

    Top Picks (Quick Summary)

    SCROLL FOR MORE
    CardWelcome Bonus and Annual FeeBenefits for Gas Stations Purchases
    American Express® Business Gold Card
    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)
    • No Preset Spending Limit
    Ink Business Cash® Credit Card
    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
    • 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
    • 2% cash back on the first $25,000 spent in combined purchases at gas stations (and restaurants) each year
    Marriott Bonvoy Business® American Express® Card
    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

    The 3 Best Business Cards for Gas Station Purchases

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

    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 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

    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 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 & fees).

    3. 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.

    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.

    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.

    SCROLL FOR MORE
    CardWelcome Bonus and Annual FeeBenefits for Gas Station Purchases
    Ink Business Cash® Credit Card

    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
    The American Express Blue Business Cash™ Card

    The American Express Blue Business Cash™ Card
    • Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
    • Annual fee of $0 (rates & fees)
    2% cash-back on all purchases (up to $50,000 per calendar year)
    Costco Anywhere Visa® Business Card by Citi

    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)

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

    UP TO $750 BACK
    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.

    Learn More(at Chase's secure site)
    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 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

    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).

    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:

    • Airlines and hotels
    • Department stores
    • Dining and food delivery
    • Gaming and entertainment
    • Gas
    • Grocery
    • Home improvement
    • Streaming services
    • Visa/Mastercard

    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).

    The information regarding the Bank of America® Business Advantage Customized Cash Rewards credit card and Huntington Voice Business Credit 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 Costco Anywhere Visa® Card by Citi 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.

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