Top 7 Business Gas Credit Cards to Watch in 2025: Rankings and Reviews

If your business involves frequent travel, adding a gas credit card to your wallet can be very beneficial. Many companies use cards that provide cashback or rewards on daily purchases to help offset business expenses. If you frequently drive your vehicle for business trips, a business gas credit card can offer rewards that were previously unavailable. With approximately 392 million gallons of gasoline pumped daily, refueling your company vehicle becomes an activity to look forward to rather than just a routine task.

Moreover, choosing the right business credit card can bring additional advantages such as cashback on flights, travel-related purchases, and even late checkouts at select hotels. This article reviews seven top gas credit cards for businesses, comparing their benefits and features, along with detailed insights into each.

Let’s dive directly into the details.

Below is a selection of some of the best options available for business owners seeking gas rewards.

The U.S. Bank Business Triple Cash Rewards Business Card® offers full cashback on all approved business expenses. You earn 3% cashback on all purchases, including gas, without any limits or categories to track, making it simple to maximize rewards. The benefits include unlimited earning potential, with rewards that never expire, allowing you to save up for larger purchases without worry. This card also provides 3% cashback on expenses at office supply stores, restaurants, gas stations, and cell phone services, along with 1% cashback on other qualifying costs—adding up to significant savings.

Shell Fuel Rewards® Credit Card helps you save on your first five Shell fuel purchases, offering a 30-cent per gallon discount (up to 35 gallons) until mid-2025. After that, each fill-up grants a 10-cent per gallon savings. These discounts are instantly applied at the pump, removing the hassle of coupons or extra cards. Additionally, earning 2% cashback on dining and grocery purchases (both in the first year and annually) makes this card attractive. You also earn 1% cashback on other eligible spending, adding up to substantial savings as you conduct your business transactions.

Bank of America®’s Customized Cash Rewards Secured card helps you establish or rebuild your credit history. It offers a $300 secured credit limit that you can increase gradually as you demonstrate responsible use. With a maximum limit of $4,900, this card is perfect for managing business expenses and improving your credit score. This option is especially helpful if you haven’t built a strong payment history yet. Regular account reviews help you make necessary improvements to boost your credit rating. You can check your FICO score monthly for free directly through your online banking portal, and your account status is updated to credit bureaus regularly, keeping your credit profile current. The educational resources provided make it straightforward to learn about credit building and other account features, making Bank of America®’s secured card a good choice for growing your business credit.

PenFed’s Platinum Rewards Visa Signature® Card offers rewards on all your business spending without caps or limits. You can earn up to 1.5% cashback on every purchase, making it simple to accumulate rewards and save on essential expenses. Additionally, a 0% introductory APR on balance transfers is available for the first year, subject to approval. The card also offers protection from unauthorized use through zero liability policies, plus traveler benefits like rental collision damage waiver to make business trips worry-free.

The Citi Premier® Card provides the opportunity to earn up to $800 in gift cards that can be redeemed for travel-related expenses such as flights, hotel stays, supermarkets, gas stations, and more. It offers premium travel perks, cashback rewards, and a generous credit limit, making it a popular choice for travelers and business owners alike. Additionally, the card includes a redemption bonus, allowing you to save extra when checking into hotels or flying to your destination.

For overseas transactions, the absence of foreign exchange fees makes this card perfect for frequent international travelers. It also features a variety of travel-friendly functionalities to enhance your overall experience. You may benefit from savings of up to $100 on a single hotel stay of $500 or more, twice a year, with partner offers excluding taxes and fees.

The Marriott Bonvoy Business™ American Express® Card offers you up to 75,000 bonus points when you spend $3,000 in the first three months after opening your account. You earn 6 times the points on qualifying hotel stays and 4 times at gas stations, wireless providers, and restaurants. This makes accumulating points from your everyday expenditures quick and easy, which can be redeemed for free nights at over 7,000 Marriott hotels.

You also receive complimentary silver elite status, granting you benefits like priority late checkouts and an additional 10% points on eligible hotel stays. The card also includes features like the Marriott Bonvoy Air + Car Program, allowing you to redeem points for flights and car rentals, along with no foreign transaction fees for seamless international business travel. Expense management tools are also provided to help you keep track of your spending effortlessly.

The American Express Business Gold Card is tailored for small-business owners seeking to maximize their spending rewards. With this card, you can earn four times the points on eligible purchases. Additionally, you have the option to select two categories where your business spends the most, allowing you to earn even more points in those areas. This means you’ll gain points more frequently, making your spending more rewarding. For all other purchases, you earn one point per dollar spent, so it’s ideal for your everyday expenses to accumulate rewards efficiently. The card offers flexible payment options, including the ability to pay over time, providing some breathing room for managing monthly expenses. It is widely accepted, being usable at 99% of places that take credit cards, which offers the flexibility any business owner would need.

Key features include earning a 25% airline bonus when you redeem points to book flights through American Express, the possibility of paying eligible purchases over time to help manage cash flow, no foreign transaction fees making it convenient for international travel, and travel insurance plans such as baggage protection to make business trips more comfortable. Other cards that may offer rewards at U.S. gas stations and for business expenses not covered here include options from Chase, Discover, Ink Business Cash, and the Costco Anywhere Visa.

What are gas credit cards for business? These cards function like standard credit cards but offer additional incentives for fuel purchases. They provide specific benefits designed to make fueling expenses more rewarding and manageable. Many of these cards grant the opportunity to earn extra points on gas spending, which can lead to significant savings over time. They often come with features that simplify expenses and make managing business costs easier.

Why do banks offer business gas cards? Many banks extend generous sign-up bonuses as a way to attract new customers. These bonuses are often highly competitive and serve as an incentive for businesses to choose their cards. Banks use these offers to stand out in a crowded market by enticing customers with attractive deals, especially since some individuals tend to save cash rather than spend it. These bonuses are designed to encourage initial usage, making the cards more appealing. Additionally, most banks offer rewards points, airline miles, and other perks to provide further motivation for spending with their cards. Gas rewards are especially valuable because they allow you to earn cashback more quickly compared to other types of rewards. Some banks also include complimentary subscriptions or access to exclusive content, helping busy business owners stay informed without extra hassle.

What are the benefits of a gas credit card for business? Using a gas card can bring several advantages. You can earn rewards such as points, miles, or cashback every time you purchase fuel—helping you save money in the long run. These cards are especially beneficial if your business involves frequent travel or driving, as you can accumulate rewards quickly. Many top business gas cards come with no annual fee, reducing ongoing costs; however, some options do charge an annual fee, so always review the terms before applying. They also offer extra rewards for purchases made outside of fuel stations, including office supplies, telecom services, or dining, which can help you maximize your rewards across various expenses. Flexible payment options are another key benefit, allowing you to make smaller payments when needed and avoid overspending or accruing high-interest debt. Your credit score can influence the reward rate you receive, with better credit often unlocking more favorable offers. Finally, many business gas credit cards include travel-related benefits such as insurance coverage for luggage and flights, providing peace of mind during business trips.

Before selecting a business gas card that suits your needs, it’s important to review the specific terms and conditions associated with each card to ensure it aligns with your financial goals.

Most credit cards, including business gas cards, offer fraud protection as a standard feature. This means you won’t be held responsible for unauthorized charges if your card details are stolen or your account is compromised. This protection can be crucial if your card is ever lost or hacked. Be sure to understand exactly what kind of fraud coverage your card provides before you decide to sign up.

Although not all gas credit cards come with an introductory annual percentage rate (APR), having one can help you avoid interest charges during the initial period. Cardholders often benefit from a 0% APR for a set number of months, which can provide significant savings early on. However, some cards switch to a variable APR after this introductory period, so it’s essential to understand the terms beforehand. Typically, business credit cards tend to offer lower APRs than personal cards, reflecting their use for larger business purchases and helping you save on interest costs.

While business gas cards may not match the travel bonuses of dedicated travel credit cards, they still can offer useful perks. Some cards provide extra points or miles for every dollar spent on airline tickets, allowing you to accumulate rewards faster and reduce the cost of future flights. If you frequently fly with a particular airline, using their affiliated business gas card could unlock additional benefits and rewards tailored to your travel habits.

The right business gas credit card can help strengthen your credit profile, which is valuable for securing larger loans or lines of credit in the future, such as commercial real estate loans. If your credit score is poor, applying for this type of card might not be advisable just yet. But if your credit is decent, responsible use of the card can contribute to improving your score. Some startup-friendly options also exist, allowing newcomers to establish or enhance their credit from scratch.

Many business gas credit cards come with an associated checking account, which can streamline your financial management. The top business checking accounts include features like debit cards and online banking, making it easier to track and control your expenses. Some cards even earn interest on the cash held in the linked checking account, offering potential savings or income opportunities.

Offering statement credits for business-related costs is another benefit some cards provide. This can help offset expenses and optimize your budgeting, especially if you regularly make large or recurring purchases. Always check which perks and credits are available with your chosen card, as they can provide unexpected savings and benefits.

Many top gas cards for small businesses include car rental insurance as a feature. This coverage can save you money on significant vehicle fees if your business requires renting cars for travel. Insurance terms and coverage details vary by card, so verify what’s included before relying on this benefit.

In urgent situations, some business credit cards offer emergency services that can help you secure hotel bookings, airline tickets, or other critical arrangements on short notice. This support can be invaluable when facing unexpected travel emergencies or urgent business needs. Rewards programs included with these cards can provide additional value during stressful times.

To maintain control over your business expenses, many gas cards allow you to set spending limits for employees. This feature helps prevent overspending and ensures responsible use of company funds. Choosing a card that offers spending restrictions can keep your financial management tight and avoid surprises on your bills.

Different cards may qualify for cashback or rewards based on specific types of purchases, so it’s vital to review the terms carefully. Most business gas cards also require higher credit limits than personal credit cards at application, reflecting their use in larger transactions. Consider the perks of balance transfers, especially since many cards offer 0% APR for the first 12-18 months on balances transferred. Also, online business bank accounts often come with sign-up bonuses—comparing these benefits is smart before opening an account. Remember, introductory offers may expire after one year, and the APR can revert to the standard rate, so timing your application and understanding the terms are crucial as card offers frequently change.

Choosing the best gas credit card for your business involves evaluating multiple factors, including rewards, fees, and additional benefits. Consider your spending plans and what rewards features align with your typical expenses. The top options often recommended include:

If you need further information, don’t hesitate to contact your bank’s customer service or review the detailed terms online. Have you ever used a gas credit card for your business? Which card do you currently have or plan to apply for? Share your experiences in the comments below.

Additional insights at StepThroughThePortal.com: Did you know that debit cards can help build credit? This isn’t widely known, but with the right card and proper usage, you can boost your credit score. Make sure to follow the necessary steps to maximize this benefit.