The best fuel card for small business is the U.S. Bank Business Cash Rewards World Elite™ Mastercard® because it offers 3% cash back on fuel purchases at any station. That 3% rate applies up to $200 spent on each fill-up, with amounts above that yielding 1% back. The U.S. Bank Business Cash Rewards World Elite™ Mastercard® card has a $0 annual fee.
Some people might assume that the best fuel cards for small businesses are just those partnered with a certain gas station chain. But those cards restrict fuel purchases that earn rewards to affiliated stations. Many general-purpose business credit cards offer gas rewards that are at least as good, while letting you make purchases anywhere.
The best fleet fuel card is the Sunoco Fleet Card because it offers discounts of up to 6 cents per gallon on fuel and has $0 annual fee. Depending on how much you purchase, your discount can be 1, 3, 4, 5 or 6 cents per gallon. You need to purchase 10,000+ gallons in a month to get to the 6-cent discount. This card is valid at more than 5,000 Sunoco gas stations. And you can set spending limits for individual drivers.… read full answer
Discounts on gas purchases are one of a fleet fuel card’s most attractive features. That, and the ability to add lots of authorized users. This makes them an ideal choice for businesses with a large number of company-owned vehicles. The drawback is that branded fleet fuel cards such as the Sunoco Fleet Card can only be used for fuel purchases at affiliated stations. You’re also not likely to get any initial bonus offers or rewards in other categories, as you would with a general business card.
If you want a card with more flexibility, consider a small business card like the Business Advantage Cash Rewards Credit Card. This card lets you earn 3% cash back for purchases made in one of the six categories you can choose from, including gas stations.
Just about all gas station credit cards can be gas credit cards with instant approval. When you can apply online, it’s almost always possible to receive instant approval (or denial). But issuers never guarantee an instant decision. You’re likely to receive one if you apply for one of the easiest gas cards to get. And in general, your chances for instant approval are high if you apply for a card where your credit score exceeds the minimum required.… read full answer
But issuers consider many factors on an application, such as income, number of recent credit inquiries, past bankruptcies and more. So it’s always possible an issuer will need more time to come to a decision. And the approval process may take longer if the issuer cannot immediately verify the personal information on the application.
Again, just about any gas credit card offers instant approval. But that doesn’t necessarily mean you’ll get it. Factors that will increase your likelihood of getting instant approval for any credit card include: a high credit score, a high income, and completely correct and up-to-date information on your credit card application.
The best Shell business credit card is the Shell Fleet Plus card because it has a $0 annual fee and works at 14,000 U.S. Shell and Jiffy Lube locations. Cardholders also get a rebate of up to 6 cents per gallon, depending on how much they spend each billing period.
If you want to use your card at the most places possible, the best Shell business card is the Shell Fleet Navigator card. Not only is it accepted at Shell and Jiffy Lube, but the fact that it’s a Mastercard means 95% of U.S. fueling stations will take it. You can also get rebates of up to 5 cents per gallon. Shell says this card may have “limited fees” but does not disclose them.
There’s also the plain old Shell Small Business card, with no annual fee, monthly fee or setup fee. You can only use it at Shell and Jiffy Lube. And the only rewards it provides are discounts at participating Jiffy Lube locations. But it does offer the ability to carry a balance between months, something that the other two cards do not.
Here are the Shell business credit cards:
Shell Fleet Plus card: No annual fees, monthly fees or setup fees. Works at 14,000 U.S. Shell and Jiffy Lube locations. Rebate of up to 6 cents per gallon of gas purchased each billing cycle, depending on the amount spent. Discounts at participating Jiffy Lube locations. Must pay in full each billing cycle. Requires good credit (score of 700+).
Shell Fleet Navigator card: Limited fees (not disclosed). Works at 95% of U.S. filling stations, wherever Mastercard is accepted, including 14,000 Shell and Jiffy Lube locations. Rebate of up to 5 cents per gallon of gas purchased each billing cycle, depending on the amount spent. Discounts at participating Jiffy Lube locations. Must pay in full each billing cycle. Requires fair credit (score of 640+).
Shell Small Business card: No annual fees, monthly fees or setup fees. Works at 14,000 U.S. Shell and Jiffy Lube locations. Discounts at participating Jiffy Lube locations. Can carry a balance between billing cycles. Requires good credit (score of 700+).
All three Shell business credit cards provide a few other types of benefits, too. For example, you can control how much your employees are able to spend on the account, and employee cards don’t cost extra. You’ll also get detailed reports on your gas-related spending, including your mileage, fuel prices, non-fuel purchases at the stations and more.
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