Best Gas Rewards Credit Cards
With
Capital One Credit Cards

Credit cards that provide cash rewards for gas are some of the most popular on the market. Almost everyone who drives a car buys gas, so a good gas credit card can be very useful, in part to help offset high gas prices.Some gas reward cards have annual fees, while others do not. Many of them offer rewards in two different bonus categories, and come with at least some basic benefits.

Best Gas Rewards Credit Cards (4)

Capital One Venture Rewards Credit Card

  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $400 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $59 after that
  • Get a metal Venture Card when you apply today

Capital One VentureOne Rewards Credit Card

  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 12.99%-22.99% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn

Capital One Quicksilver Cash Rewards Credit Card

  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 13.99%-23.99% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.99%-23.99% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees

Sony Card from Capital One

  • Earn 5,000 bonus points after your first purchase within 90 days from account opening
  • 5 points per $1 spent on Sony? purchases at authorized retailers, with purchase confirmation
  • 3 points per $1 spent on movie theaters, movie rentals, music downloads and digital streaming and subscription services
  • 1 point per $1 spent on all other purchases
  • Redeem for Sony products, movies, music & more
  • 0% intro APR on purchases until March 2018, 14.99% - 24.99% variable APR after that
  • No annual fee

Business Credit Cards

BP Business Solutions MasterCard®

  • Accepted at over 175,000 locations nationwide with competitive rebates when purchasing fuel at thousands of BP locations nationwide
  • Save up to 6 cents per gallon on fuel purchases at BP locations

Chevron and Texaco Universal Business MasterCard®

  • Earn rebates up to 6 cents per gallon based on monthly fuel purchases at Chevron and Texaco locations
  • Accepted at over 175,000 fueling locations with maximum rebate earnings when your drivers choose Chevron and Texaco

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

  • Designed for businesses
  • For a limited time, earn 60,000 American Airlines AAdvantage® bonus miles after making $3,000 in purchases within the first 3 months of account opening
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation
  • Enjoy preferred boarding on American Airlines flights
  • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases
  • Earn 2 AAdvantage® miles for every $1 spent on purchases at telecommunications, car rental merchants and at gas stations
  • Earn 1 AAdvantage® mile per $1 spent on other purchases

Starwood Preferred Guest® Business Credit Card from American Express

  • Earn 2 Starpoints® for each dollar of eligible purchases at participating SPG® Marriott Rewards® hotels. Earn 1 Starpoint® for all other purchases.
  • Redeem Starpoints® for free nights at over 1,300 hotels & resorts in over 100 countries and for free flights on over 150 airlines with SPG Flights. Some hotels and resorts have mandatory service charges.
  • Free, unlimited Boingo Wi-Fi at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
  • No Foreign Transaction Fees on international purchases and $0 introductory annual fee for the first year, then $95.

Capital One Spark Cash for Business Card

  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $59 after that
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Get employee cards at no additional cost, and earn rewards from their business spend

1. What is a Business credit card?

The business credit card is a type of credit card intended for business use rather than personal use and it is suitable for businesses of all sizes. Business credits card can provide a convenient way to increase their company’s purchasing power and easy access to manage business transactions.

2. What are the benefits of Business credit cards?

Apply and qualify easily

If you are still struggling to establish your credit, business credit cards can provide easier access to credit than other types of commercial funds. Some of the best small business credit cards online require only basic business and personal information and usually provide conditional approval within minutes.

Higher credit limits or 0% intro APRs while getting started

Business credit cards typically carry high credit limits, making it much easier to make major business purchases that you cannot make using your personal credit card or cash.

Earn rewards and sign-up bonus

You can earn cash back or rewards when you spend lot of money buying office supplies or other business needs. Some card issuers provide cardholders with discounts on certain business-related products and services directly.

Build business credit quickly

With business credit cards, not misusing them and making payments on time can help you increase your business credit rating quickly and take out a loan in the future easily.

Separate business credit.

Your personal credit rating is not reflected in your business credit card transactions. In addition, by having a separate credit card for a small business, you no longer have to sort out business and personal transactions when it is time to pay taxes.

Cards can be issued to employers and employees.

Multiple cards can be issued under the same account for different employees and business owners can determine how much credit individual employees can access and where to make purchases.

3. What do you need to apply a Business credit card?

Business cards are suitable for different kinds of businesses.

Business cards are not only suitable for companies. Even if you are performing a one-man show and you don't have an office, you can apply for a business card. Basically, if you do anything for profit, it can be considered a small business. In fact, you don't even have to earn income to apply for a business credit card. You only need to have reasonable intentions to make money and pay for business.

Personal and business credit score

The issuer will review your personal and business credit history when determining whether to approve your business credit card and what terms you are eligible for. While responsible past use of credit will maximize your chances, please ensure that the Personal Credit Bureau Experian, TransUnion and Equifax have accurate information, as well as commercial organizations such as Dun & Bradstreet and Small Business Financial Exchange. If your business license and insurance policy are up-to-date, proving that you are operating a legitimate business, the card issuer may also be in your favor.

How to fill out the application

The business’s legal name:

This is the name you use to conduct your business. This will be displayed on your card if you are approved. If you have a company or limited liability company, enter the name of the company you registered with the state government. If you are a freelancer or sole proprietor, please use your legal name.

Your tax identification number:

You need a tax identification number to process your application. Incorporated businesses and partnerships enter the federal employer identification number, which is a nine-digit number issued by the IRS for tax reporting purposes. If you're a self-employed, please enter your Social Security number on this line (unless you have an IRS-issued Employer Identification Number).

The business type or structure:

What the kind of business are you operating? If you're running a LLC, you can choose partnership or corporation, based on how it's set up. If you are a freelancer, you would usually put down sole proprietorship.

Your role in the business:

Make clear what you do in the business

Business address and phone number:

You need to fill in the contact information. If you work from home, just use your home address here.

How long you've been in business:

Enter the number of years you've been in business. If you're still in the early startup phase, just enter "0" in this box.

The number of employees:

If it's just you, enter "1" for yourself.

Annual business revenue:

You must let the credit card company in on how much revenue your business is bringing in each year. If your business is new and you haven't made any money, you can put "0."

Estimated monthly spend:

You can guess how much you will charge for business expenses, not personal to the card each month. Not all business card applications ask for this, but you should be ready with an answer if it comes up.

Personal details

Fill in your personal information as required, including your name, address, phone number and email, social security number, birthdate, mother's maiden name and household income.

4. How to use a Business credit card?

Read your credit card terms and conditions.

This will give you an idea of how you can earn rewards, when rewards will post and other information.

Set a rewards saving goal and pay with credit whenever possible.

If you’re collecting points or miles for a big trip, avoid spending them on small purchases.

Find out when your 0% introductory APR period ends and when your rewards expire note them on your calendar.

Your issuer isn’t required to alert you beforehand when your APR will go up in this case, and most don’t.

Get an app to help you track your awards.

Plan and budget

Create a business plan before using the business credit card for financing and you need to make sure what you can afford.

Monitor and control employee spending

Use your business credit card only for business expenses

We don’t recommend you mix personal and business expense, because it’s difficult to separate out your business expenses when filling taxes.

Pay your bill in full on time

Many business credit cards offer high credit limits, but they often come with high interest rates. Therefore, we recommend you to pay the bill in full on time in order to avoid paying high interest.

What is a gas credit card?

A gas credit card is a type of credit card – which is different from a prepaid card – issued by a gas station. Using a gas credit card, you can pay for gas at the pump while taking advantage of discounts and perks offered by the card issuer.

For example, with the ExxonMobil Smart Card, you can get 6 cents off each gallon of Synergy™ gasoline at Exxon and Mobil stations and earn two Plenti points per gallon of Synergy gasoline you purchase with the card.

“Using a card like this can also help you track your fuel expenses separately, making it easier to budget,” says David Bakke, credit expert at Money Crashers.

You can usually apply for a gas credit card at the gas station or online. With some cards, you may be able to choose a billing date that works for you.

How do gas credit cards work?

Gas credit cards offer special rewards for purchases on gas; they can be categorized as either rewards cards or rebate cards. The best gas rewards cards offer cash back (usually 1-3%) or points on gas, as well as on purchases in other categories. Gas rebate cards offer cents off for every gallon of gas purchased.

Gas cards fall into one of three buckets:

General cash back cards with rewards on gas purchases.

Gas rebate cards that are co-branded with a retailer like BP and network like Visa or Mastercard.

Gas rebate cards that are specific to one retailer like Shell or Chevron and not within a network.

The key to maximizing your savings is to find the card that most closely aligns with your spending habits. As a rule of thumb, gas rebate cards are best for people who are brand-loyal. If you buy gas at many different retailers, a gas rewards card is usually the better choice.

Is a gas credit card right for you?

Some gas credit cards offer a very broad, flexible rewards program and some offer value with a more rigid structure. Your credit score, spending habits, and geographic location are all factors in deciding whether a gas card is right for you, but generally, you should apply for one if:

You drive a lot or have a long commute. Whether you go with a traditional rewards card or opt for a gas rebate card, if you drive often, a gas credit card will help you save. If you’re already spending an hour at least on the road per day, why not get rewarded for it? Start using those commuter miles to your advantage with a gas card.

You have good/excellent credit and want to expand your rewards. There are points to be had and cash back to be earned for people who are good candidates for cards like the American Express® Gold Card. If you aren’t already saving on gas in some way, you can certainly start with a cashback credit card.

You don’t have a stellar credit score. The high APRs on most gas cards make carrying a balance a bad idea, but if you pay off your balance every month, using a gas card will improve your credit. Unlike other types of rewards cards, most gas cards will approve your application instantly, even with poor credit.

4.You’re planning a road trip. Although most gas credit cards don’t offer 0% introductory APR, a lot of them provide high rebates for the first few months. The Phillips 66 Drive Savvy® Rewards Credit Card knocks fifty cents off per gallon purchased for the first 30 days—which adds up to huge savings on a summer road trip. Introductory rebate offers pay off no matter how much you drive, but when planning a major road trip, the savings quickly add up.

Gas credit cards vary quite a bit. Some offer just 2% back in rewards, while our top pick, the Ducks Unlimited Card, offers 5% cash back.

There are many gas cards with no annual fee, so you can earn rewards at no cost whatsoever (as long as you avoid accruing interest).

A gas credit card can be an excellent way to collect cash back or points — if you use it responsibly. Your purchases will be covered by some basic protections, and the better cards have some cost-saving perks too.

You can use many gas credit cards to earn rewards for purchases at gas stations other than gas, like snacks or certain gift cards. But some specify that only fuel purchases will qualify for the gas bonus category.

Selection criteria: what makes a great gas credit card?

Be on the lookout for features like these if you’re in the market for a gas credit card.

Good rewards for gas spending: You can easily find cards that provide a 3% cash back equivalent for gas, though you can also get 5% back and occasionally more.

No annual fee, or a worthwhile fee: There are many very rewarding gas cards with no fee. But you might want a card with a fee if it would provide a better overall value.

Other bonus categories: It’s OK to just have a card that you only use for gas, and nothing else. However, a card with other good bonus categories would be more useful.

Shopping and travel protections: Most credit cards today have some standard protections. Although they probably won’t come into play when buying gas, they could be handy in other situations.

Valuable extra benefits: The best cards come with cost-saving perks like travel credits or access to interesting experiences, although you’ll typically need to pay a fee to get these benefits.

How to make the most of your gas credit card?

You can take advantage of gas cards with introductory rebate offers to experience significant savings, especially in the first couple months. Let’s examine a real example to find out how much money you can potentially save.

Perhaps you’re planning your yearly trip up the Pacific Coast Highway. For the sake of this example, let’s use the following data points:

You're traveling from Dana Point, CA to Leggett, CA (653 miles, according to the Travel Channel).

You’re driving a 2017 Jeep Wrangler with an EPA combined city/highway fuel efficiency of 18 mpg.

The average cost of gas in California is $3.55 per gallon (as of April 19, 2018, according to AAA).

If you were to pay for gas without the use of a gas card, you’d spend roughly $256 on fuel round-trip. With the use of a Drive Savvy® Rewards Credit Card from gas retailer, 76, you can take advantage of a 50 cents off per gallon offer for the first 30 days. With this card, you’ll spend roughly $220 in total. That’s a savings of $36 on one road trip alone.

If you’re considering a gas credit card, consider the intro offers in the context of your own gas budget. For many people, the rewards are lucrative and a smart way to save money.

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