Business Gas Credit Cards

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 Fleet Plus 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.

The best fuel card for small business is the U.S. Bank Business Edge 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 Edge Cash Rewards card has a $0 annual fee.

Some people might think that the best fuel cards for small businesses are those partnered with a certain gas station, like the Shell Business card. But those cards restrict fuel purchases that earn rewards to specific stations too.

Many general business credit cards offer rewards at least as good, while letting you make purchases anywhere. For example, the American Express SimplyCash Plus Business card gives 3% cash back in the spending category of your choice, including fuel purchases.

Here are the best fuel cards for small businesses:

• Best overall: U.S. Bank Business Edge Cash Rewards World Elite. Unlimited 3% cash back on single gas purchases of $200 or less (1% on purchases in excess of $200); cell phones and accessories; and office supplies. $0 annual fee. Excellent credit required.
• Best fuel store card: Shell Small Business Card. Pay at the pump at more than 14,000 stations. No personal guarantee needed for businesses open for at least 3 years and with more than $1 million in annual sales. $0 annual fee. Good credit required.
• Best for office supply rewards: SimplyCash Plus Business Card from American Express. 3% cash back on the spending category of your choice, including fuel purchases. 5% back on up to $50k in telephone and office supply purchases per year. $0 annual fee. Good credit required.
• Best for wholesale shopping: Costco Anywhere Visa Business Card. 4% cash back on fuel purchases, up to $7,000 annually; 1% after. 3% on restaurants and travel and 2% at Costco. $0* annual fee. Excellent credit required.
• Best for introductory 0% APR: Chase Ink Business Cash. 2% cash back on first $25k per year on fuel and restaurant purchases. 5% on first $25k spent on office supplies and phone/internet/cable. $0 annual fee. Good credit required.
• Best cash back: Business Advantage Cash Rewards Mastercard. $200 cash back for spending $500 in the first 60 days. 3% cash back on fuel and office supply purchases, up to $250,000 spent annually. 2% back at restaurants. $0 annual fee. Excellent credit required.

The best fuel cards for small business are more flexible that you might realize. In addition to the cash back and rewards that come with fuel and business-related purchases, all the cards give at least 1% cash back or 1 bonus point/mile per $1 spent on all other purchases. You’ll be able to use your fuel card in a pinch for emergencies or other unexpected expenses and earn additional cash back or rewards in the process.

The best business gas credit card is the Bank of America Business Advantage Cash Rewards card because it offers 3% cash back on the first $250,000 spent per year on gas purchases and office supplies. It also gives 2% cash back at restaurants and 1% back on all other purchases. In addition, there’s a $300 bonus for spending $500 in the first 60 days, and no annual fee.

There are other good business gas credit cards though. The SimplyCash Plus Business Card from American Express rewards you with 3% cash back in any one of eight different spending categories, including gas. Similarly, the U.S. Bank Business Cash Rewards card offers 3% back on gas with no annual spending cap. But it does limit the 3% rate to gas purchases of $200 or less. Neither card comes with an annual fee.

A fleet card is a credit card businesses use for fuel purchases for their corporate vehicles as well as to pay for vehicle repairs and maintenance. A business will typically issue fleet cards to their vehicle drivers. This allows drivers to easily purchase fuel and other transportation supplies. It also makes it easier for companies to track and manage vehicle expenses. Fleet cards are best for businesses with two or more company-owned vehicles and thousands of gallons in fuel purchases each month.

Some fleet cards, such as the Shell Fleet Credit Card, limit fuel purchases to one brand of gas stations. The Shell card also offers in-network repair and maintenance facilities that cardholders can choose. In contrast, Wex offers “universal” fleet cards that can be used at 95% of U.S. stations or in-network repair facilities. Some covered brands such as Conoco, ExxonMobil and Sunoco offer their own fleet cards that often give better rewards, but purchases are limited to their own stations.

Fleet cards are fairly easy to get. Most require only a minimum of fair credit (640 credit score). And fleet cards tend to offer business owners discounts and cash back rewards on repair, maintenance and equipment purchases, in addition to gas. Depending on the card and the issuer, business owners can get discountsof1to 10 cents per gallon on gas purchases. Earnings are typically either discounted at the pump or will appear as a statement credit.

The best fleet fuel cards with discounts are the Comdata Fleet Card and the Fuelman Commercial Advantage Fleet Card, which can save drivers 10-15 cents per gallon. The best fleet fuel cards also allow you to set limits on the cards, so you can control when your drivers can use them and how much can be spent.

Best Fleet Fuel Cards with Discounts:

Comdata Fleet Card – save up to 15 cents per gallon, accepted nationwide, and you can set custom spending limits.

Fuelman Commercial Advantage Fleet Card – save up to 10 cents per gallon, accepted at 50,000+ gas stations, and you can set gallon and spending limits.

Comdata Universal Mastercard – save up to 6 cents per gallon, accepted at 20,000+ locations, and you can set spending limits.

Fuelman Advantage Platinum Mastercard – save up to 6 cents per gallon, accepted everywhere Mastercard is accepted, and you can set custom spending limits based on the vehicle or the driver.

BP Business Solutions Universal Mastercard – save up to 6 cents per gallon, accepted at all BP and Amoco gas stations, and you can set spending and usage limits.

The best fleet fuel cards with discounts allow your drivers to automatically save on gas every time they fuel up. Fleet cards usually provide the discount at the pump, so there’s no complicated redemption or cash rebate process.

By the way, fleet fuel cards give cardholders access to the wholesale price of fuel, which is why the cards give a maximum amount you can save, rather than a straight discount. Your exact fuel savings will vary based on the wholesale market price of gas at the time.

Also keep in mind that only fleet managers can be approved for fleet fuel cards. So if you’re looking to just save on gas every time you personally fuel up your car, check out the best gas credit cards.

The best Wawa fleet card is the Wawa Universal Fleet Fuel Card because it’s accepted anywhere WEX cards are accepted, not just Wawa gas stations. You can use the Wawa Universal Fleet card at 95% of all U.S. retail fueling locations.

Currently, Wawa only offers two fleet cards, the Universal Card and the standard Wawa Fleet Card.  The Wawa fleet cards do not offer any discounts on gas. Instead, they simply provide your drivers with a way to pay at the pump, and give you the ability to monitor spending. In light of that, there are better fleet cards out there that can help your company save on every gallon of gas when your drivers fuel up.

Wawa Fleet Cards for 2019:

Wawa Universal Fleet Fuel Card: Accepted at 45,000 service merchants nationwide, including 550+ Wawa locations.

Wawa Fleet Card: Accepted at 550+ Wawa locations in Delaware, Florida, Maryland, New Jersey, Pennsylvania, and Virginia.

Both Wawa fleet cards provide detailed monthly reports on your vehicle fleet’s activity. They also have security features that let you monitor drivers’ behavior and spot unauthorized spending. The Wawa Fleet cards even allow you to choose whether you want to revolve the credit balance or pay in full each month.

If you’re not managing a fleet of drivers and just want to save on Wawa gas, check out the Wawa credit card. You’ll save 25 cents per gallon the first 2 months, and 5 cents per gallon after that. It also has a $0 annual fee and accepts applicants with fair credit.

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 no 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. The Fleet Card is valid at more than 5,000 Sunoco gas stations. And you can set spending limits for individual drivers.

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 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 such as the American Express SimplyCash Plus Business card. This card gives 3% cash back on the first $50,000 spent each year in your choice of one of eight categories, including gas stations. And you can fill up at any gas station where American Express cards are accepted. There’s also 5% cash back on wireless phone services and office supplies. Plus, employers can issue up to 99 employee cards for free and set individual spending limits for each card.