The best fuel card for small business is the U.S. Bank Business Triple 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 Triple Cash Rewards World Elite™ Mastercard® card has a $0* annual fee.

Best Fuel Cards for Small Businesses

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.

One of the best fleet fuel cards is the Sunoco Fleet Card because it offers discounts of up to 6¢ / gallon on fuel and it has a $0 annual fee. Depending on how much you purchase, your discount can be: 15¢ per gallon in fuel credits for the first 6 months. After that, 1¢, 3¢, 4¢, 5¢ or 6¢ per gallon if you purchase at least 1, 500, 4,000, 7,000 or 10,000 gallons per month, respectively This 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 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 Customized 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.

Lastly, you can check out our editors' latest picks for the best gas credit cards in the market right now.

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.

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

Currently, Wawa only offers two fleet cards, the Wawa 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 2022:

• Wawa Universal Card: Accepted at 45,000 service merchants nationwide, including 600+ Wawa locations.
• Wawa Fleet Card: Accepted at 600+ 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 50 cents per gallon the first month, and 5¢ / gallon after that. It also has a $0 annual fee and accepts applicants with fair 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.

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.

An employee fuel card is a credit card that businesses provide to their drivers and other business personnel to use primarily for fuel and other authorized purchases related to company cars. Employee fuel cards allow the issuer to bill the business directly, rather than billing the employee. Otherwise, the employee would have to file expense reports and be reimbursed later. The fuel card issuer typically sends the business a single bill, itemized with individual charges by each employee.

Employee fuel cards, also known as fleet cards, are issued by major gas-station chains through a bank such as Citibank or Synchrony Bank. They can typically be used only at affiliated gas stations and at merchants owned, operated, or franchised by the gas-station chain.

Key Things to Know About Employee Fuel Cards

They save companies money on routine purchases.

Employee fuel cards often come with fuel discounts or other rewards. For companies with large fleets, that could amount to substantial savings on routine purchases that employees would be making anyway.

They help track employee spending.

With employee fuel cards, business owners can track and manage all purchases employees make on the road. Employee fuel cards also allow you to create customized reports across multiple vehicles and drivers. These features save you the time and paperwork that come with manually tracking fuel and other purchases for several employees.

You can customize card settings for each employee.

Most employee fuel cards will allow you to set limits for individual employees. This could include the most an employee can spend, along with the types of purchases they are allowed to make. Some cards may let you set up alerts that immediately notify you of possible fraud or abuse on a specific account, too.

Not everyone can get an employee fuel card.

Employee fuel cards are for businesses only, meaning that individual consumers are not eligible to apply. They’re designed for business owners who manage fleets of company vehicles and are hardly an attractive option for a single cardholder anyway. That said, there are several top-notch gas cards with fuel discounts and rewards that are available to individual cardholders.

The best fuel card for a small trucking company is the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® because it offers 3% on eligible gas purchases, as well as purchases at office supply stores, cell phone service providers and restaurants. It also has an initial bonus of $500. To earn the bonus, you must spend $4,500 in the first 150 days.

There are several other credit cards that are in the running for the best fuel card for a small trucking company, though, including some fleet cards affiliated with major gas-station chains.

Best Fuel Cards for a Small Trucking Company in 2022

When picking the best fuel card for your small trucking company, you should consider whether you want one connected to a specific gas brand or retailer, or a more general rewards card. You should also factor things like annual fees and initial bonuses into the equation to find the card that will give you the best yearly value.