Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology.
Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, deta...
A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little ca...
Juan has been involved in credit cards, loyalty, travel, and personal finance for more than 10 years. He has worked for several outlets including The Points Guy and Forbes and was previously Editor-in...
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.
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 top recommendations.
The Best Business Credit Cards for Gas Station Purchases — Overview
Earn 3 bonus Free Night Awards after spending $6,000 within the first 6 months. Redemption level up to 50,000 Marriott Bonvoy® points for each bonus Free Night Award, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
More bonus earning categories: 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers, and on U.S. purchases for shipping
Earn 50,000 bonus points after spending $3,000 on purchases in the first 90 days and earn 25,000 bonus points after spending $10,000 within the first 12 months.
Annual fee of $95
8x points per $1 spent at Wyndham hotels and gas station
2% cash-back on all eligible purchases up to $50,000 per year
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% (rates and fees)
Earn a $300 statement credit after spending $3,000 on purchases in the first 90 days.
Annual fee of $0
3% cash-back at gas stations and office supply stores (up to $250,000 each calendar year)
U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®
Earn $500 in cash-back after spending $4,500 in the first 150 days.
Annual fee of $0
3% cash-back at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants
Huntington Voice Business Credit Card℠
No welcome offer available.
Annual fee of $0
Choose from 10 categories where you’ll earn 4% cash back – on the first $7,000 spent per quarter, or $28,000 annually
What To Look For in a Business Card for Gas Station Purchases
Don’t overthink which cards to get for gas station purchases. Stick to the credit cards that offer the best rewards.
Sure, there are other considerations, like which cards offer good travel insurance and shopping protections, but in the context of filling up your tank, you’ll want to focus on which cards give you the best bang for your buck on your gas spending.
We also recommend thinking about your holistic approach to credit cards — if you value luxury travel benefits from your card over rewards on gas purchases, the recommended cards might change.
In this guide, we’ve compiled all of the best business cards that earn the most rewards for gas purchases. Let’s get down to business!
The 4 Best Business Cards for Gas Station Purchases
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 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:
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)
Earn 3 bonus Free Night Awards after spending $6,000 within the first 6 months. Redemption level up to 50,000 Marriott Bonvoy® points for each bonus Free Night Award, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
Earn 50,000 bonus points after spending $3,000 on purchases in the first 90 days and earn 25,000 bonus points after spending $10,000 within the first 12 months.
Earn 65,000 miles after spending $4,000 in purchases within the first 4 months
Annual fee of $0 intro annual fee for the first year, then $99
2x miles at gas stations
Hot Tip: When selecting a business card to use for gas station purchases, look for one 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.
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, on up to $150,000 in combined purchases from these 2 categories each calendar year.
For example, if your business’s largest expenditures are at gas stations and on 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).
Why We Like Earning Amex Membership Rewards Points
Other ways to use your points (albeit for reduced value) are for travel booked through Amex Travel, gift cards, charity, merchandise, and statement credits.
2. Marriott Bonvoy Business® American Express® Card
Marriott is one of the largest hotel companies in the world and its loyalty program, Marriott Bonvoy can be used for free hotel stays. In general, using your points for reward stays is a pretty solid way to get our published valuation of 0.7 cents per point.
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. You’ll get 1x points on all other purchases.
Other perks include an annual bonus of 15,000 Wyndham Rewards points every anniversary year, automatic Diamond status, the ability to redeem 10% fewer Wyndham Rewards points for certain redemptions, and even cell phone protection.
If you’re a traveler who stays frequently at Wyndham properties, this could be an interesting potential choice for you.
Lastly, the card is rounded out with no foreign transaction fees, zero liability fraud protection, employee cards for no additional fee, and extended warranty protection.
Why We Like Earning Wyndham Rewards Points
Wyndham Rewards’ suite of credit cards attracts a lot of attention because of the awesome earning categories and automatic elite status.
We value Wyndham Rewards points at 0.9 cents each, which means earning 8x points would be equivalent to a return on spending of 7.2% when spending on gas!
Reward stays at Wyndham properties cost 7,500, 15,000, or 30,000 points per night, depending on the property, so it’s easy to get excellent value from your spending.
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.
Why We Like Earning American Airlines AAdvantage Miles
We value AAdvantage miles at around 1.4 cents each, but it’s easy to get superior value. That means your gas spending is going to return around 2.8% back into your wallet.
The 6 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.
Earn a $300 statement credit after spending $3,000 on purchases in the first 90 days.
Annual fee of $0
3% cash-back at gas stations
U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®
Earn $500 in cash-back after spending $4,500 in the first 150 days.
Annual fee of $0
3% cash-back at gas stations and EV charging stations
Huntington Voice Business Credit Card℠
No welcome offer available.
Annual fee of $0
4% cash-back (up to $7,000 in purchases every quarter) in 1 of 10 bonus categories, including gas stations
1. Ink Business Cash® Credit Card
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 Chase 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.
Why We Like Earning Chase Ultimate Rewards Points
Chase Ultimate Rewards points are among the best travel rewards available. They’re worth around 2 cents per point, according to our valuations, and they can be redeemed in a whole slew of ways, including cash-back, travel via the Chase Ultimate Rewards travel portal, charity, gift cards, cash-back, and merchandise. Unfortunately, not all of these methods yield optimal value.
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 on 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.
4. Bank of America® Business Advantage Customized Cash Rewards Credit Card
The Bank of America Business Advantage Customized Cash 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.
Additionally, restaurant purchases earn 2% cash-back and all other purchases earn 1%.
There is a generous combined total of up to $50,000 in purchases for all 3% and 2% earnings each calendar year.
5. U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®
With the U.S. Bank Business Triple Cash Mastercard, you can earn 3% cash-back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers, and restaurants.
You’ll also earn 5% cash-back on prepaid hotels and car rentals booked directly through the Travel Rewards Center and 1% on all other purchases.
There’s a limited-time 0% introductory APR offer, as well as no additional fees for employee cards.
6. Huntington Voice Business Credit Card℠
Each quarter, the Huntington Voice Business card offers 4% cash-back earnings in 1 of 10 bonus categories, on up to $7,000 in purchases per 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.
There are no foreign transaction fees, no extra fees for employee cards, and a late fee grace period.
Bottom Line: There are several business 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
Fuel Rewards Programs
While earning rewards with your card for gas purchases is a savvy plan, 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, and redemption options including free gas, food, or merchandise, along with promotional incentives.
Here are some popular fuel rewards programs to check out:
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 earn 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).
Final Thoughts
If you own a car, boat, or other motorized means of transportation requiring fuel, or you fill up a 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 earn rewards on those purchases.
Selecting a card that offers elevated earning rates on gas purchases is a smart 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 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 credit cards offering perks and benefits for your business can be found in our article focusing on this topic.
The information regarding the 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.
The information regarding the Wyndham Rewards® Earner℠ Business 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 Bank of America® Customized Cash Rewards 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.
Featured Image Credit: Kwangmoozaa via Shutterstock
Frequently Asked Questions
The best business 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 the 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.
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.
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.
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 ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.
Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.
0 comments
Any thoughts or questions? Comment below!
Email needed if you'd like comment updates. It will NOT be published.
![The 10 Best Business Credit Cards for Gas Station Purchases [2023]](https://upgradedpoints.com/wp-content/uploads/2018/06/shutterstock_577056808.jpg?auto=webp&disable=upscale&width=1420&height=650&fit=crop)
0 comments
Any thoughts or questions? Comment below!
Email needed if you'd like comment updates. It will NOT be published.
This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.