Best Business Credit Cards for Gas in 2024

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Fuel expenses can make a dent in your business budget, but the right gas credit card can transform this cost into an opportunity.

A business gas card is a specialized payment tool designed for companies to manage and track their fuel expenses. Unlike personal gas cards, these are tailored to meet the needs of businesses, big or small.

By selecting the best gas card for your business, you can enjoy enhanced cash back, substantial rewards and valuable management tools. We’ll break down the top business gas cards, helping you make an informed choice that aligns with your company's needs and financial goals.

Why You Can Trust Our List

Top Business Credit Cards for Gas

Aer Lingus Visa Signature® Card

Rewards Rate
Earn 3 Avios per $1 spent on purchases with Aer Li...
APR
20.99% - 27.99% Variable
Annual Fee
$95
Recommended Credit
670-850 (Good to Excellent)
American Express® Business Gold Card

Rewards Rate
Earn 4X Membership Rewards® points on the top two ...
APR
18.74%-27.74% Variable
Annual Fee
$375
Recommended Credit
670-850 (Good to Excellent)
Capital One Spark Cash Plus
Credit Card logo for Capital One Spark Cash Plus
MoneyGeek Rating
3.1/ of 5
On Issuer's Site

Rewards Rate
Earn unlimited 5% cash back on hotels and rental c...
APR
N/A (charge card)
Annual Fee
$150
Recommended Credit
740-850 (Excellent)
Ink Business Cash® Credit Card
Credit Card logo for Ink Business Cash® Credit Card
MoneyGeek Rating
1.3/ of 5
On Issuer's Site

Rewards Rate
Earn 5% cash back on the first $25,000 spent in co...
APR
17.99% - 25.99% Variable
Annual Fee
$0
Recommended Credit
670-850 (Good to Excellent)
Marriott Bonvoy Business® American Express® Card

Rewards Rate
Earn 6X Marriott Bonvoy points on each dollar of e...
APR
20.24%-29.24% variable
Annual Fee
$125
Recommended Credit
670-850 (Good to Excellent)
The Blue Business® Plus Credit Card from American Express

Rewards Rate
Earn 2X points on everyday business purchases like...
APR
17.74% - 25.74% variable
Annual Fee
$0
Recommended Credit
670-850 (Good to Excellent)
United℠ Business Card

Rewards Rate
Earn 2x miles on United® purchases, dining includi...
APR
21.49% - 28.49% Variable
Annual Fee
$99
Recommended Credit
670-850 (Good to Excellent)
World of Hyatt Business Credit Card

Rewards Rate
Earn up to 9 points total per $1 spent at Hyatt - ...
APR
20.99% - 27.99% Variable
Annual Fee
$199
Recommended Credit
670-850 (Good to Excellent)

Should I Get a Gas Card for My Business?

Considering a gas card for your business is a smart financial move, especially if your operations involve frequent travel or transportation. By leveraging these cards, you can often tap into significant savings, benefitting from cash back or rewards every time you fill up.

As with any financial decision, weighing the benefits against any potential fees or restrictions is key. Ensuring the card aligns with your business needs will maximize its utility and help optimize your savings.

Businesses That Will Benefit From a Company Gas Card

Gas cards for business offer specialized benefits tailored to certain types of enterprises. If your company falls into any of the following categories, a fuel card could be a game-changer:

    pickupTruck icon

    Businesses with a large fleet

    Companies operating many vehicles, whether delivery vans or sales cars, can benefit greatly from business gas cards. They make expense tracking and fleet management more streamlined.

    travel icon

    Travel-centric companies

    If your business requires frequent road travels, such as sales teams traveling to meet clients or consultancy services, a fuel card ensures you save on every mile.

    rideshare icon

    Delivery or courier services

    Companies that provide delivery or courier services experience high fuel consumption. Fuel cards can offer discounts and reward points, optimizing overall operational costs.

    wallet icon

    Companies aiming for budget predictability

    Fuel cards can lock in fuel prices for businesses, ensuring consistent costs and aiding in more predictable budgeting.

    graphCard icon

    Enterprises looking for expense insights

    Detailed reporting gives businesses insights into fuel consumption patterns, which helps identify areas to improve efficiency.

    wage icon

    Organizations emphasizing employee benefits

    Offering business gas cards to employees as a benefit can aid in recruitment and retention. It’s a practical perk that underscores a company’s commitment to its team's welfare.

Incorporating a fuel card into your business operations can offer both tangible savings and operational efficiencies, especially if your business aligns with any of the above scenarios.

Business Gas Card vs. Regular Business Card

When determining the right card for your business, understanding the distinctions between a business gas card (also known as a business fleet card) and a regular business card is important. Each has its strengths, tailored to different business needs and operational nuances.

Specialized Rewards and Discounts

Business fleet cards typically offer rewards and discounts specifically for fuel and vehicle-related expenses. These tailored benefits can result in substantial savings for companies with high fuel consumption. On the other hand, regular business cards often have a broader rewards structure, catering to various types of expenses beyond just fuel.

Reporting Features

A notable advantage of fleet cards is their detailed reporting on fuel and other vehicular expenses. These insights are crucial for businesses that need to monitor and manage their fleet costs closely. Regular business cards may offer expense tracking but lack the vehicular specificity that fleet cards provide.

Flexibility in Spending

Regular business cards provide more flexibility in spending across diverse categories, from office supplies to travel. They're versatile and well-suited for businesses with varied operational costs. While exceptional in their domain, fleet cards are more restrictive, primarily focusing on fuel and vehicle-related expenses.

Fee Structures and Incentives

Fleet cards might come with specific fee structures or incentives related to fuel vendors or certain gas stations. These can lead to direct savings at the pump. Regular business cards, conversely, tend to have a broader range of fees and incentives, often centered around general business expenses and not strictly fuel.

How to Pick the Best Business Gas Card

Choosing the right business card for gas can be key to optimizing fuel expenses and managing your operations efficiently. Consider these factors to ensure you're making the best choice for your business needs:

  • Rewards and cashback: Look for cards offering competitive rewards or cashback on fuel purchases. A card that provides a substantial percentage back or points for every dollar spent can lead to significant savings over time.
  • Fee structure: Understand the card's fee structure. Some might offer great rewards but have high annual fees or other charges. It's vital to weigh these costs against the potential benefits.
  • Reporting tools: For businesses with multiple vehicles, a card that provides detailed fuel consumption and expense reports is invaluable. These tools can simplify budgeting and offer insights into consumption patterns.
  • Network accessibility: Ensure the card is accepted at a wide range of gas stations, especially if your business operates in various locations. It's inconvenient and potentially costly if the card isn't widely accepted.
  • Credit-building potential: If one of your goals is to build or improve your business credit, opt for a card that reports to the major credit bureaus. Consistent, on-time payments with such a card can bolster your business's credit profile.
  • Additional benefits and features: Beyond the basic rewards and fees, some cards might offer added perks like discounts on vehicle maintenance or extended warranty protections. These extras can provide added value, especially if they align with your business operations.

By understanding the distinguishing features of different cards, from reward structures to fee details, you're well-equipped to make an informed decision for your business. Remember, it's not just about savings but also about how the card can integrate seamlessly into your business operations.

As you consider your options, focus on aligning the card's benefits with your specific needs. By doing so, you'll ensure that every time your fleet refuels, your business is driving toward a more prosperous and efficient future.

Frequently Asked Questions

Selecting the right business gas card involves several considerations. To assist you in your decision-making, we answered some common queries about the best gas cards for businesses.

Are there business gas cards suitable for small businesses?
Can a business gas card improve my company's credit score?
Do all gas cards offer rewards or cashback on fuel purchases?
Are there annual fees associated with business gas cards?
Can I set individual spending limits for employees with a business gas card?

About Grace Pilling


Grace Pilling headshot

Grace Pilling was the Senior Content Manager for Credit Cards at MoneyGeek. She previously led personal finance teams at Bankrate, CreditCards.com and MoneyUnder30.

Pilling has a bachelor's degree in English from Western Sydney University and a diploma in book editing, proofreading and publishing. She is focused on empowering readers to make informed financial choices that support their best lives, not a company’s bottom line.


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