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Best Fuel Rewards Credit Card For Truckers

Finding the best fuel rewards credit card for truckers has never been easier. The following list has been compiled to feature the best fuel reward cards for truckers. We have taken care of the leg work for you. This list provides you with all the information you need to make an informed decision.

Quicklook: Best Fuel Rewards Credit Cards

  • Best for Overall Benefits Card: Blue Cash Preferred by American Express
  • Best for Unlimited Cash Back Rewards: Citi Double Cash Card
  • Best for Small- to Medium-Sized Businesses: Ink Business Cash
  • Best for Quarterly Category Bonuses: Discover it® Cash Back
  • Best for Hotel and Travel Rewards: Hilton Honors American Express Card

5 Best Fuel Rewards Credit Card Options

With so many options to choose from, it can be hard to spot the best fuel rewards credit cards. Here is our curated list of the top five fuel rewards credit card options. Each card has specific advantages and benefits. Check each one out to make an informed decision regarding the best card for you.

Blue Cash Preferred from American Express

Best for: Overall Benefits Card

The Blue Cash Preferred® Card from American Express tops the list as the best fuel card for overall benefits. Truckers can expect to get benefits when purchasing fuel but also shopping at supermarkets, travel expenses and savings on streaming services. 

Special Features: Earn up to 6% cashback at select supermarkets 

Rewards Rate: Up to 6%

Annual Fee: $0 for the first year. $95 annually after that 

Intro APR: 0% on purchases for the first 12 months

Regular APR: 17.74%-28.74%

Foreign Transaction Fee: 2.7%

Credit Score Requirements: Good (700-749)

Balance Transfer Fee: $5 or 3% of the balance

Benefits

  • Welcome bonus of up to $300
  • High cashback rewards  
  • Automatic cashback (No enrollment required)

Disadvantages:

  • For 6% cashback, spending capped at $6,000
  • High cash advance and foreign transaction fees

Estimated Cash Back Earnings: >$360 per year 

Citi Double Cash Card

Best for: Unlimited Cash Back Rewards

Citi® Double Cash Card is known as a solid fuel card option. It offers 0% APR for 18 months on balance transfers. Additionally, you pay no annual fee when you sign up. For those who want to set the card and steadily reap the rewards, the Citi Double Cash card is the best fuel rewards credit card. 

Special Features: Solid cashback rate on all purchases

Rewards Rate: 2% (1% cashback and 1% during payment) 

Annual Fee: $0

Intro APR: 0%

Regular APR: 16.99%-26.99%

Foreign Transaction Fee: 3%

Credit Score Requirements: Good (700-749)

Balance Transfer Fee: 3%

Benefits

  • No limit on expenditure for the cashback
  • No annual or balance transfer fees for the introductory period

Disadvantages:

  • High foreign transaction fee
  • No introductory 0% APR on purchases

Estimated Cash Back Earnings: >$ 250 per year

Ink Business Cash

Ink Business Cash

Best for: Small-to Medium-Sized Businesses

The Ink Business Cash® Credit Card is a great alternative for small- and medium-sized businesses. You can expect a lower-than-average APR. Plus, its industry-leading fraud protection features provide top security. 

Special Features: Up to 5% cashback on the first $25,000 spent at office supply stores, cable and phone services each account anniversary year

Rewards Rate: 2% for the first $25,000 spent on gas stations and restaurants each account anniversary year. Get 1% after $25,000.

Annual Fee: $0

Intro APR: 0% for the first 12 months

Regular APR: 13.24%-19.24%

Foreign Transaction Fee: 3%

Credit Score Requirements: Good (700-749)

Balance Transfer Fee: $5 or 5%

Benefits

  • Up to $750 bonus cash back welcome bonus
  • No additional fees on employee cards 

Disadvantages:

  • High fee on balance transfers and cash advances 
  • Spending caps, especially on the bonus categories 

Estimated Cash Back Earnings: >$1,250 per year

Discover it ® Cash Back

Discover it ® Cash Back

Best for: Quarterly Category Bonuses

The Discover it ® Cash Back is the go-to option for category bonuses. This card is ideal for moderate spenders seeking the best credit card for gas and groceries. This killer fuel rewards card offers specific bonuses and promotions every quarter. You can capitalize on specific offers and promotions when you need them most.

Special Features: Up to 5% cashback on everyday purchases each quarter at places such as Amazon, grocery stores, restaurants, gas stations and when using PayPal.

Rewards Rate: 5% on rotating categories, 1% automatic earning rate on every other category

Annual Fee: $0

Intro APR: 0% for 15 months 

Regular APR: 14.99%-25.99%

Foreign Transaction Fee: 3%

Credit Score Requirements: Good (700-749)

Balance Transfer Fee: 3% for the intro year (until Feb 2023), 5% after

Benefits

  • No minimum cashback redemption 
  • Automatically matches the cashback you have earned.

Disadvantages:

  • High balance transfer fee 
  • 5% bonus cash back limits to $1,500 quarterly spending 

Estimated Cash Back Earnings: $145 per quarter

Hilton Honors American Express Card

Hilton Honors American Express Card

Best for: Hotel and Travel Rewards

Knock one out of the park with the Hilton Honors American Express Card. It provides amazing perks for travelers in addition to getting fuel rewards. Earn rewards points while enjoying the best shows, hotels, dining and travel experiences.

Special Features: Up to 7X Hilton Honors Bonus points on hotels within the Hilton portfolio

Rewards Rate: 5X reward points on gas, dining and groceries

Annual Fee: $0 on base cards 

Intro APR: 0% for the first 15 months

Regular APR: 19.49%-28.49%

Foreign Transaction Fee: No fee

Credit Score Requirements: Good (700-749)

Balance Transfer Fee: N/A

Benefits

  • Introductory 80,000 points reward points 
  • Higher reward rate points
  • No blackout dates or foreign transaction fee

Disadvantages:

  • Low point redemption value 
  • For airline partners, poor transfer rate 

Estimated Cash Back Earnings: >$480 per year

How Does a Fuel Rewards Credit Card Work?

A fuel rewards card allows you to accumulate points and earn cashback bonuses based on purchases made throughout the promotional period (monthly, quarterly or annually). The cashback option allows you to discount cash value from your card’s value or redeem points for other products and services. 

Please note that most credit cards with rewards are affiliated with specific brands and companies. This feature means that you get specific deals and promotions with these brands. Ultimately, choosing a card affiliated with a specific brand can help you get the rewards you want and need.

What to Look for with Fuel Rewards Credit Cards

Amid a sea of options, choosing the right fuel card for your business and personal use boils down to the following criteria:

Regular APR

An annual percentage rate (APR) is the interest you pay on the balance you carry on your card. Technically, you can avoid paying interest on your fuel card if you don’t carry a monthly balance. APR is calculated on a daily, weekly or monthly basis. APR varies across card issuers. A ballpark figure is 15% to 25%. Your credit score also influences your APR. In short, the better your credit score, the lower your APR.

Annual Fees

Some cards charge annual fees such as membership payments. Because of competition, most cards offer no annual fees as an introductory offer. However, they charge these fees after the first or second year. Some cards offer no annual fees for the lifetime of your membership. It’s worth reading the fine print to ensure your chosen card does not come with annual fees following the introductory period.

Rewards Rate

The rewards rate refers to the percentage or fixed dollar amount you can earn for purchases and transactions. These rates vary across card issuers and brands. Reward rates for fuel cards should be higher at gas stations and associated businesses (tires, maintenance, parts). It’s also worth noting that some cards cap your rewards rate. For instance, some cards cap your earnings at $1,000 a month. Similarly, some cards may have a minimum monthly spending budget. For example, you might need to spend $5,000 monthly to qualify for rewards and bonuses. 

Required Credit Score

Your credit score plays a huge role in qualifying for a fuel rewards credit card. Minimum credit scores depend on the card issuer. Please remember that cards requiring a lower credit score to qualify generally come with a higher APR or annual fees. Additionally, a higher credit score can get you a lower APR and further benefits such as no annual fees, higher rewards rates or zero percent balance transfer.

Welcome Offer

The best fuel rewards credit cards offer great welcome offers. These offers include zero APR for a limited time, no balance transfer fees, an increased rewards rate or a bulk bonus point deposit. It’s worth shopping around to find the fuel cards that deliver the best welcome offers.

How to Sign Up for a Fuel Rewards Credit Card

Applying for a fuel rewards credit card is a straightforward process. You can apply online or over the phone. You can also visit a local branch of the bank or card issuer. 

Card issuers will always ask you to provide the following:

  • Legal name
  • Social Security number
  • Address
  • Date of birth 
  • Annual income

Once you have furnished the required information, the card issuer will check your credit score and history with bureaus such as Equifax. The verification process should take no more than one business day.

If approved, your physical card can take anywhere from 5 to 10 business days to arrive. Still, sometimes, a digital card may be provided to you immediately. A digital card can be used for mobile phone payments and online payments where accepted. With every complete transaction, the rewards that you have earned will automatically be added to your account. 

To access or monitor your account, you can log in to it using the links or apps provided by the fuel card provider. 

If you have not already signed up for a fuel rewards credit card, review the best fuel rewards card options discussed throughout this article.

Choosing the Right Fuel Rewards Credit Card for You

Ultimately, choosing the right fuel card for you depends on your specific needs. Checking out the five cards on our list is a great place to start. Asking questions and getting as much information as possible helps you make an informed decision. Taking advantage of introductory offers is a great way to hit the ground running with your chosen fuel rewards card.

Check out our list of top reward cards. They are the best option for earning rewards for regular business and personal purchases.

FAQ

What Is a fuel rewards credit card?

A fuel rewards credit card offers promotions and deals on fuel purchases at participating gas stations. You can earn cash or bonus points for every purchase and transaction.

How do I redeem my fuel points?

Most cashback promotions automatically deduct cashback value from your balance. Bonus points may be redeemed online or over the phone for items such as flights and hotel booking.

Can I get a fuel card for personal use?

Yes. Fuel cards apply to both personal and business use. However, some businesses may restrict fuel cards for business expenses only.

Hyper-Secure Fleet Cards - With Discounts Everywhere!

AtoB helps businesses take control of their biggest expenses – people, fuel and vehicles.

Hyper-Secure Fleet Cards - With Discounts Everywhere!

AtoB helps businesses take control of their biggest expenses – people, fuel and vehicles.