Calculator: 7 Best Business Credit Cards For Gas [2021]

Maximizing rewards on gas purchases is easy to do if you have the right business credit card. Get our best picks and calculate rewards based on spend.

The Point Calculator's top picks for the 7 best business credit cards for gas are:

  • American Express® Business Gold Card
  • The Blue Business® Plus Credit Card from American Express
  • American Express Blue Business Cash™ Card
  • Marriott Bonvoy Business™ American Express® Card
  • The Hilton Honors American Express Business Card
  • Bank of America® Business Advantage Cash Rewards Mastercard®
  • Costco Anywhere Visa® Business Card by Citi

American Express® Business Gold Card

The American Express Business Gold Card is one of the best business credit cards for earning rewards on gas spend. The card earns 4 Membership Rewards Points per $1 spent in the select two categories you spend the most in per month. Those categories are: airfare, U.S. advertisement, U.S. gas station, U.S. restaurant, U.S. shipping, and U.S. computer software/hardware/cloud computing. Points earned can be redeemed for 1 cents each towards airfare booked through American Express Travel, but they can also be transferred to AMEX's airline and hotel partners for even more value.

American Express® Business Gold Card
Rewards Rate
  • Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month; Applies to the first $150,000 in combined purchases from these 2 categories each calendar year
  • Get 1X on all other purchases.
Intro Bonus
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.
Annual Fee
$295
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.
  • Earn up to $300 in statement credits on eligible U.S. advertising and U.S. shipping purchases.
  • Pay Over Time Option: A flexible payment option with interest to help manage cash flow on purchases of $100 or more.

The Blue Business® Plus Credit Card from American Express

One of the best rewards business cards for small businesses is The Blue Business Plus Card. It earns 2 Membership Rewards Points per $1 spent on the first $50,000 in purchases made during the calendar year, then 1x for the remainder of the year once that cap is hit. Points can be redeemed for airfare at a rate of 1 cent per point or you can transfer points to AMEX's airline and hotel partners for even more value.

The Blue Business® Plus Credit Card from American Express
Rewards Rate
  • Earn 2X Membership Rewards® points on all eligible purchases on up to $50,000 per calendar year, then 1X for the remainder of the calendar year.
Intro Bonus
No current intro bonus
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
2.7%
Main Card Highlights
  • The power to spend beyond your credit limit with Expanded Buying Power which adjusts with your use of the Card, your payment history, credit record, financial resources known to AMEX and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors at account opening.

American Express Blue Business Cash™ Card

If you're looking to earn cash back, the AMEX Blue Business Cash Card is a great business card option. It earns 2% cash back on the first $50,000 in purchases made during the calendar year, then 1% for the remainder of the year once that cap is hit. The Blue Business Cash Card is the better option over The Blue Business Plus Card if you want to redeem rewards for non-travel related purchases such as statement credits and gift cards.

American Express Blue Business Cash™ Card
Rewards Rate
  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% for the remainder of the calendar year.
Intro Bonus
No current intro bonus
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
2.7%
Main Card Highlights
  • The power to spend beyond your credit limit with Expanded Buying Power which adjusts with your use of the Card, your payment history, credit record, financial resources known to AMEX and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors as determined at the time of account opening.

Marriott Bonvoy Business™ American Express® Card

The Marriott Bonvoy Business AMEX Card is a solid choice if you want to earn hotel rewards points on your business spend. The card earns 6 Marriott Bonvoy Points spending with Marriott and 4 points per $1 spent on U.S. restaurant, U.S. gas station, U.S. shipping, and U.S. wireless telephone services. Benefits of the card include an annual free night award valued up to 35,000 points, complimentary silver elite status, and 15 qualifying nights towards elite status which can be stacked with up to 15 elite nights earned on personal Marriott credit cards.

Marriott Bonvoy Business™ American Express® Card
Rewards Rate
  • Earn 6x points at participating Marriott Bonvoy hotels.
  • Earn 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 2x points on all other eligible purchases.
Intro Bonus
Limited Time Offer: Earn 100,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in eligible purchases within the first 3 months of Card Membership. Plus, earn up to $150 back in statement credits on eligible purchases made on your new Card within the first 3 months of Card Membership. Offer ends 5/12/21.
Annual Fee
$125
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
  • Earn an additional Free Night Award (valued up to 35,000 points) after you spend $60K in purchases on your Card in a calendar year.
  • Enjoy complimentary Marriott Bonvoy Silver Elite status with your Card.
  • Earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year.

The Hilton Honors American Express Business Card

One of the best hotel business credit cards on the market is the Hilton Honors AMEX Business Card. It earns a whopping 12 Hilton Honors Points per $1 spent at Hilton brand hotels and 6 points per $1 spent across a large amount of select business & travel purchases which includes U.S. gas stations. The card offers complimentary Hilton Honors Gold Status, a weekend night award after spending $15,000 during the calendar year and an additional one after spending $45,000 during the calendar year, and 10 Priority Pass lounge visits.

The Hilton Honors American Express Business Card
Rewards Rate
  • Earn 12X at hotels & resorts in the Hilton portfolio
  • Earn 6X on Select Business & Travel Purchases
  • Earn 3X on all other eligible purchases.
Intro Bonus
Earn 130,000 Hilton Honors Bonus Points with the Hilton Honors American Express Business Card after you spend $3,000 in eligible purchases on the Card in the first 3 months of Card Membership.
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Enjoy complimentary Gold Status with your Hilton Honors Business Card.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
  • Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
  • Relax with 10 free airport lounge visits each year once enrolled in complimentary Priority Pass™ Select membership, which offers access to more than 1,300 lounges across 140 countries and counting.

Bank of America® Business Advantage Cash Rewards Mastercard®

Depending on your relationship with Bank of America, the Business Advantage Cash Rewards Mastercard will be one of the best business credit cards for earning on gas spending. The card earns 3% cash back on a select category of your choosing in which gas station is an option. If you're a Preferred Rewards for Business member, you'll be able to earn a 25% to 75% bonus cash back on your purchase based on your tier. This means you'll have the chance to earn up to 5.25% cash back on the category of your choose which is fantastic for a no annual fee business credit card.

Bank of America® Business Advantage Cash Rewards credit card
Rewards Rate
  • Earn 3% cash back in the category of your choice (up to $50,000 in combined choice category/dining yearly purchases).
  • Earn automatic 2% cash back on dining purchases (up to $50,000 in combined choice category/dining yearly purchases).
  • Earn unlimited 1% on all other purchases.
Intro Bonus
Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Main Card Highlights
  • If you're a Preferred Rewards for Business member, you can earn 25% - 75% more cash back on every purchase
  • 0% on purchases for 9 billing cycles from account opening
  • Redeem your cash back as a deposit into your Bank of America checking or savings account, as a card statement credit or as a check mailed to you.
  • Change your choice category for future purchases once each calendar month, or make no change and the category stays the same.

Costco Anywhere Visa® Business Card by Citi

If your business interacts with Costco frequently, you may want to consider the Costco Anywhere Visa Business Card. It earns 4% back on the first $7,000 in gas purchases per year (then 1%), 3% back on restaurant and travel purchases, 2% back at Costco, and 1% back on everything else. Cash back earned spending at Costco stacks on top of the 2% cash back earned with Costco Business Executive Membership which means you'll be able to earn a very nice 4% back at Costco. Rewards are offered annually which can be redeemed for cash or merchandise at U.S. Costco warehouses.

Costco Anywhere Visa® Business Card by Citi
Rewards Rate
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
Intro Bonus
No current intro bonus
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
  • Whether you're traveling for business or pleasure, enjoy no foreign transaction fees on purchases
  • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico

Best Cards By Spend Calculator

The Best Cards By Spend Calculator will give you an idea of which credit cards will offer you the most rewards based on your spend. Results will be sorted by net return which is the average value of the rewards earned, plus annual credits, and minus annual fees.

Results will consist of top-rated credit cards.

Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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Currently Selected:

Category Spend

Enter your spend per month, year, or quarter for the listed categories. You can then click Get The Best Cards to get the list of results.
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Spend Duration

You can set the duration of the spend for the categories listed above. If you're looking for the best card for only n-months worth of spend, this is where you change the option. If you want to calculate based on a full year of spending, you can leave it set to a duration of '1 Year'.

Adjust Transferable Points

Some rewards programs allow you to transfer your earned points to airline, hotel, and other loyalty programs. These programs will generally have higher point values when doing such. Since these matter so much when choosing a credit card, you can enter your own point value for these programs to include in the calculations. You can set any of the currencies listed below to 0 to calculate based on the non-transfer value (in which most are 1 cent per point with the exception of Chase's 1.25/1.5 cent redemptions). The values I have listed are what I think is the easiest value to get out of your points when transferring to partners. You can click on the to learn more about the value of the currency (opens in a new tab/window).
Depending on what you're calculating, all programs listed below may not be featured in the results.

Results

Note: Results may take a few seconds to generate after doing a search. The results and values listed are estimates to help guide you towards making the best decision. They are for illustrative purposes only.
Results Will Appear Here
Updated 2021-03-28 By Robert Flowers III

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