Best Gas Credit Cards: Top Business & Personal Cards For Gas

If your business has you driving to and fro with any frequency — or if you simply do a lot of driving — you might want a credit card with a rewards system geared toward saving you money on gas purchases. Thankfully for you, many credit card issuers offer gas credit cards designed to get you earning points or cash back for the gas purchases you have to make anyway.

Let’s examine both the business cards and the personal cards that give you the best rewards for your gas purchases.

Best Gas Rewards Credit Card For Business

Bank Of America Business Advantage Cash Rewards Mastercard

There’s a lot for business owners to like about the Bank Of America Business Advantage Cash Rewards Mastercard. There’s the lack of an annual fee, the relatively low APR that applicants with sufficiently good credit can qualify for, and the intro 0% APR for nine billing cycles. The Business Advantage Cash Rewards Mastercard happens to be a great gas rewards card as well, thanks to a flexible rewards scheme that lets you pick your highest-earning purchase category.

Earn Cash Back On Gas Purchases

Assuming you choose gas purchases as your high-earning cash back category, this card earns 3% cash back on gas purchases up to the first $50,000 spent in bonus categories per year. That means you could snag up to $1,500 cash back each year on gas via the 3% rate (plus the card will continue to rack up 1% cash back on gas purchases after you pass the $50,000 threshold).

Combine that with membership in the Business Advantage Relationship Rewards program (which gives you an additional 25%-75% rewards bonus on your purchases), and you can actually save up to 5.25% on your gas purchases. Not too shabby!

Earn Cash Back At Restaurants

In addition to the above rewards, you’ll earn 2% cash back on purchases at restaurants and 1% cash back on all other purchases. If your spending in the bonus categories exceeds $50K a year, your remaining gas (and restaurant) purchases that year will still earn you cash back, just at the 1% rate.

US Bank Triple Cash Rewards Visa Business Card

The US Bank Business Cash Rewards World Elite Mastercard is another business card designed to reward companies with significant driving needs.

You’ll be earning 3% cash back on gas, EV charging stations, cell phone service providers, office supply stores, and restaurants. The best feature of this card is that there are no limits on the amount of cash back you can earn at the 3% rate. So if your business has you spending more than $250K a year on gas (and other categories, such as cell phone bills and office supplies), this card will be a better gas card for you than the BofA Business Advantage Cash Rewards Mastercard.

Additional Cash Back On All Purchases

The US Bank Business Cash Rewards World Elite Mastercard also pays out 1% cash back on all purchases not covered by the 3% cash back categories. Additionally, this card carries no annual fee and comes with a very generous 15-month introductory 0% APR period.

Chase Ink Business Cash

The Chase Ink Business Cash card is one of the best business cards out there for cash rewards — and it also happens to work well as a gas credit card.

Cash Back On Office Supplies & Internet Expenses

With the Ink Business Cash, you’ll 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 year. You’ll also earn 2% cash back on your first $25,000 spent annually at gas stations and restaurants and 1% cash back on all subsequent purchases in these categories and on all other spending. If you do a decent amount of driving for work, but not a huge amount, the Ink Business Cash should work well for you as a gas card.

Zero Percent Intro APR & No Annual Fee

The Ink Business Cash has no annual fee and a 12-month introductory 0% APR period. You can also redeem your cash back for more than just a statement credit. Through Chase Ultimate Rewards, you can redeem your cash back for cash, gift cards, booking travel, and more.

Best Gas Rewards Credit Card For Personal Use

Citi Premier Card

The Citi Premier Card is a travel rewards card that offers 3X points on gas, restaurant, supermarket, and air travel/hotel spending. Let’s learn more!

With the Citi Premier Card, you can earn 3 points per dollar spent on travel, including gas and food purchases. There’s no limit to the amount of travel spending you can do per year while earning triple points. If your business life or personal life sees you doing lots of travel by air and land, the Citi Premier Card should serve you well.

Cash Back On Dining & Entertainment

You’ll also earn 2 points per dollar at restaurants and on entertainment and 1 point per dollar on all other purchases. On the downside, the card carries a $95 annual fee — but you can offset this charge with heavy annual spending.

Blue Cash Preferred Card From American Express

With the Blue Cash Preferred Card from American Express, you’ll earn 6% cash back on your first $6,000 per year in purchases at grocery stores (plus 6% cash back on select streaming services) and an unlimited 3% cash back at all US gas stations and transit purchases (such as taxis, tolls, parking, etc.). If you want a card that’s ideal for driving to the grocery store, the Amex Blue Cash Preferred card couldn’t be a better fit. It’s also nifty that the card will collect the 3% bonus rate for driving-adjacent purchases, such as tolls or parking.

Cash Back On Groceries

Along with the above cash back categories, you’ll earn 1% on all other purchases and grocery purchases above the annual $6,000 high-earning limit. You’ll also get 12 months of 0% APR, and the card’s $95 annual fee is waived the first year.

How You Can Redeem Rewards

Rewards can be redeemed for statement credits, gift cards, and merchandise from hundreds of retailers. Amex cards also come bundled with extra benefits, including car rental insurance, return protection, and more.

Hilton Honors American Express Card

Do you spend a lot on gas? Are you a frequent guest at Hilton hotels (or would you like to be)? If you answered yes to these questions, check out the Hilton Honors American Express card.

This Amex Hilton travel card offers 7X Hilton Honors points on all spending at Hilton properties, 5X points on all US gas station purchases and all US restaurant and supermarket purchases, and 3X points on all other purchases.

Best Cash Back On Gas Purchases

Now, the 5X points you’ll earn on gas is about the best rewards earning rate you’ll find for gas purchases with any credit card, anywhere. The downside, of course, is that the points you earn can only be used for Hilton-related travel. But if that’s your thing, consider the Hilton Honors Amex card.

When you get the card, you’ll get complimentary Silver status in the Hilton Honors program, thus increasing the value of your points. And if you spend $20,000 on eligible purchases in a calendar year, you can achieve Gold status through the end of the next calendar year. Plus, the Hilton Honors Amex card carries no annual fee.

Sam’s Club Mastercard

The Sam’s Club Mastercard offers an impressive 5% cash back on gas purchases (but only on the first $6,000 spent per year). Considering the fact that you’re earning cash back and not proprietary points, that’s an eye-opening earning rate for gas purchases. However, you’ll have to be a Sam’s Club member to apply, and you can’t earn 5% cash back on gas purchased at the gas stations of competing wholesalers, such as Costco.

Sam’s Club Plus Member Rewards

If you’re a Plus member, you’ll also earn 3% cash back on Sam’s Club purchases and dining and 1% on all other purchases. What’s more, the card has no annual fee, though Sam’s Club membership — a requirement to get the card — costs $45 a year.

Final Thoughts: Which Gas Credit Card Is Right For You?

Credit cards can lead you down the wrong path if they simply encourage you to rack up charges in the pursuit of rewards. However, a sizable portion of the population spends heavily on gas as it is. By using a gas credit card, you can earn rewards each time you fill up at the pump.

Still on the lookout for a credit card that makes sense for you? Not sure you’ll qualify for the kind of card you want? Let Merchant Maverick help you sort things out:

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• Using personal credit cards for business