The 6 Best Business Cards for Gas Station Purchases [September 2023]
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Top Picks (Quick Summary)
| Card | Welcome Bonus and Annual Fee | Benefits for Gas Stations Purchases |
| American Express® Business Gold Card |
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| Ink Business Cash® Credit Card |
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| Marriott Bonvoy Business® American Express® Card |
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The 3 Best Business Cards for Gas Station Purchases
1. American Express® Business Gold Card (Top Pick)
Terms Apply / Rates & FeesAmerican Express® Business Gold Card
Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).
American Express® Business Gold Card
Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).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.
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.)
Pros
- 4x Membership Rewards points per $1 on the 2 categories where your business spends the most:
- Airfare purchased from airlines
- U.S. purchases for advertising in select media
- U.S. purchases made from select technology providers of computer hardware, software, and cloud solutions
- U.S. purchases at gas stations
- U.S. purchases at restaurants
- U.S. purchases for shipping
- 25% airline bonus when using Pay With Points
- Access to Amex’s The Hotel Collection
- Purchase protection and extended warranty protection
- Trip delay insurance
- Car rental insurance
Cons
- $295 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.*
- MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases.**
- **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
- PAY OVER TIME OPTION: Decide whether you want to pay eligible purchases in full each month—or pay over time with interest.*
- *Terms Apply
Financial Snapshot
- APR: 19.49% - 27.49% Variable
- Foreign Transaction Fees: None
Card Categories
Rewards Center
- Amex Business Gold 110k Welcome Bonus Offer
- Benefits of the Amex Business Gold
- Amex Business Gold vs. Amex Plum
- Amex Business Gold vs. Amex Gold
- Best American Express Business Credit Cards
- Best Business Credit Card for Advertising
- Best Business Credit Cards for Shipping Purchases
- Best Business Credit Cards for Gas
- Best Credit Cards for Flight Upgrades
- High Limit Business Credit Cards
Busy business owners will like the simplicity of how the 4x earning is applied on the Amex Business Gold card.
Just use the card to pay your business expenses and the 2 largest categories of expenses each statement period will earn 4x Membership Rewards points for each dollar spent, up to $150,000 in combined purchases from these 2 categories each calendar year.
For example, if your business’s largest expenditures were at gas stations and media advertising, those are the 2 categories that will receive 4x earnings.
Here is a list of qualifying bonus categories:
- U.S. purchases at gas stations
- Airfare purchased from airlines
- U.S. purchases for advertising in select media
- U.S. purchases made from select technology providers of computer hardware, software, and cloud solutions
- U.S. purchases at restaurants
- U.S. purchases for shipping
The best part about these bonus categories is that they’re automatically adjusted every month based on where your business spends the most.
And with no preset spending limit, you can be confident that your card can keep up while your business purchases grow.
With plenty of additional travel/shopping benefits and protections and a suite of expense management tools, the card is worth considering as your primary business card.
There are no foreign transaction fees, and you can add a total of up to 99 employee cards with no annual fees after the first employee card ($50 annual fee; rates and fees).
2. Marriott Bonvoy Business® American Express® Card
Terms Apply / Rates & FeesMarriott Bonvoy Business® American Express® Card
A great option for business owners who stay in Marriott hotels and want automatic elite status.
Marriott Bonvoy Business® American Express® Card
A great option for business owners who stay in Marriott hotels and want automatic elite status.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
- 15 Elite Night Credits
- 1 Free Night Award each cardmember anniversary (up to 35,000 points)
- Complimentary Marriott Bonvoy Gold Elite Status
- Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply.
- No foreign transaction fees (rates and fees)
Cons
- Moderate annual fee of $125 (rates and fees)
- No premium perks like airport lounge access
- Limited Time Offer: Earn 125,000 Bonus Marriott Bonvoy Points after you use your new Card to make $8,000 in purchases within the first 6 months of Card Membership. Offer Ends 11/1/23.
- Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly through Marriott. Terms and Conditions Apply.
- 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. Awards 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 Card.
- Terms apply.
Financial Snapshot
- APR: 20.99% - 29.99% Variable
- Foreign Transaction Fees: None
Card Categories
Rewards Center
If you’re a business traveler who favors Marriott as your hotel brand of choice, you’ll enjoy the elevated earnings at Marriott properties with the Marriott Bonvoy Business card.
Any good business card, however, also allows you to earn rewards on common business expenses, and the card does just that.
You can expect unlimited 4x earnings on the following purchases:
- U.S. gas stations
- Restaurants worldwide
- U.S. shipping
- U.S. wireless telephone services from U.S. providers
In addition, you’ll earn 6x points at hotels participating in Marriott Bonvoy, as well as 2x points on all other purchases.
We also like that the card comes with complimentary Marriott Bonvoy Gold Elite status, 15 Elite Night Credits towards a higher elite level, and a free hotel night certificate each year.
Lastly, expect no foreign transaction fees and employee cards at no additional fee as additional features of the card (rates and fees).
3. CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
A low annual fee, a free checked bag, and tons of perks and discounts make this card valuable for business owners who travel.
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
A low annual fee, a free checked bag, and tons of perks and discounts make this card valuable for business owners who travel.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
- Free checked bag for you and up to 4 traveling companions
- Priority boarding
- 25% off inflight purchases including food, beverages, and Wi-Fi
- Companion Certificate for domestic travel after you spend $30,000 or more in purchases in a cardmember year
- No foreign transaction fees
Cons
- $99 annual fee
- Does not earn transferable rewards
- Designed for businesses
- Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 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
Card Categories
Rewards Center
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.
| Card | Welcome Bonus and Annual Fee | Benefits for Gas Station Purchases |
| Ink Business Cash® Credit Card |
| 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 |
| 2% cash-back on all purchases (up to $50,000 per calendar year) |
| Costco Anywhere Visa® Business Card by Citi |
| 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)
Ink Business Cash® Credit Card
This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.
Ink Business Cash® Credit Card
This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.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
- Travel insurance and purchase protection
- 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
- Employee cards at no additional cost
- No annual fee
Cons
- Spending caps in bonus categories
- Low points earning outside of bonus categories
- 3% foreign transaction fees
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from 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
- Round-the-clock monitoring for unusual credit card purchases
- 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
- Foreign Transaction Fees: None
Card Categories
Rewards Center
- Chase Ink Business Cash $900 Welcome Bonus Offer
- Benefits of the Chase Ink Business Cash
- Ink Business Cash vs Ink Business Preferred
- Ink Business Cash vs Ink Business Unlimited
- Best Chase Business Credit Cards
- Best Business Credit Cards with No Annual Fee
- Best 0% APR Business Credit Cards
- Best Credit Cards for Car Rental Insurance
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
Terms Apply / Rates & FeesThe American Express Blue Business Cash™ Card
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.
The American Express Blue Business Cash™ Card
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.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
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% – 26.49% Variable, 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
Card Categories
Busy small business owners may appreciate not having to keep track of bonus earning categories or learning how to redeem rewards effectively. This is a situation where the Amex Blue Business Cash card makes sense.
The card earns 2% cash-back on every eligible purchase, and when it’s time to redeem those points, the process is super simple given that it’s automatically credited to your statement.
Note that the 2% cash-back is limited to $50,000 per calendar year, so the Amex Blue Business Cash card works best for business owners who spend $50,000 or less each year, which is the maximum amount of purchases that earn 2%.
There’s also a 0% introductory APR promotion as detailed in the table above, as well as access to Amex Offers, and no-fee employee cards (rates and fees).
3. Costco Anywhere Visa® Business Card by Citi
Business owners who have a Costco membership might fare quite well with the Costco Anywhere Business card that earns 4% cash-back at gas stations and 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 CitiBusiness® / AAdvantage® Platinum Select® Mastercard® 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.