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Best business gas cards in 2024

When running a trucking company, there are various expenses associated with life on the road, with gas being the most common and significant one. Fuel costs can make up as much as 21% of your overall trucking expenses. Therefore, it is crucial to select the most suitable gas cards for your business in order to reduce these costs and retain more funds within your company.

In the following sections, we will explore some of the leading companies that provide fuel cards, highlighting the advantages and disadvantages of each. This will enable you to make an informed decision and select the gas card that best meets your business requirements.

Quicklook: Best gas cards for businesses

  • Best for savings of up to 43¢ per gallon: AtoB
  • Best for deep discounts: Fuelman Deep Saver Card
  • Best for Chevron & Texaco clients: Chevron and Texaco Business Access Card -Match Now
  • Best for small- to medium-sized businesses: U.S. Bank Business Cash Rewards World Elite Mastercard -Match Now
  • Best for online management: Porter Freight Fuel Card -Match Now
  • Best for no spending count: Bank of America Business Advantage Customized Cash Rewards Credit Card -Match Now
  • Best for BP & Amoco clients: BP Solutions Fuel Card -Match Now
  • Best for tracking driver behavior: 76 Universal Fleet Gas Card -Match Now

8 best business gas card options

Any business, regardless of its size, can benefit greatly from business gas credit cards. The more versatile the card, the more places you can use it, and the greater your overall savings will be. Fuel is a significant expenditure, but it doesn’t have to be one that your small business can’t afford.

AtoB fuel card

Best for: Savings of up to 43¢ per gallon

AtoB fuel cards are one of the best gas card for business options available for drivers and fleet managers. The AtoB card charges a simple $3 per active card per month fee and is accepted almost everywhere. With no hidden fees that other companies often tack on, this card saves you far more than it costs. Its online platform allows you to track drivers’ gas usage live and set spending limits within a fully featured dashboard.

Special features:

  • Eliminate fuel fraud
  • No out-of-network stations
  • Secure Card Unlock through the AtoB Driver App to ensure cards are only used by authorized drivers
  • Optimal Station Selection to enforce drivers to fuel at the most affordable stations
  • Prepaid or credit options

Benefits:

  • Competitive discounts on every gallon
  • Can be used for non-fuel expenses
  • Easily integrates with Quickbooks
  • Spending can be limited on a per-transaction, daily and weekly basis
  • Builds credit

Disadvantages: Short seven-day term-to-pay

Fuelman

Fuelman Deep Saver Card – Premium Package 

The Fuelman Deep Saver Card is incredible. Regular and plus packages are also available at different price points with varying rewards and benefits. Learn all about this card’s benefits in detail in this article.

Best for: Deep discounts

Special features

  • More than 50,000 stations nationwide
  • Maintenance management and payment program
  • Customizable dashboard and data reports
  • Real-time fraud monitoring
  • Fraud-loss coverage of up to $25,000 per year

Benefits: 

  • Eight-cent-per-gallon diesel rebate
  • Five-cent-per-gallon unleaded rebate
  • Two points per eligible gallon
  • $100 annual loyalty bonus

Disadvantages: Coverage gaps in some states outside of the Midwest

Pricing: $39-$99 per month for all cards in your fleet

Chevron and Texaco Business Access Card

chevron and texaco business gas card

Best for: Chevron and Texaco clients

The Chevron and Texaco Business Access Card offers an ideal solution for trucking companies that favor Chevron or Texaco stations. With no initial setup fees or recurring monthly costs, this card is a cost-effective choice. Furthermore, it is widely accepted at all participating Chevron and Texaco stations, ensuring convenient access for users.

Special features

  • In the U.S., more than 8,000 Chevron and Texaco stations accept this card
  • To keep an eye on staff spending, you can set purchasing restrictions 
  • You’ll incur no setup or monthly fees

Benefits:

  •  Online tracking for all purchases 
  •  No setup fees, annual subscriptions or costs associated with the card 
  • 24/7 customer advisors in the U.S.

Disadvantages: 

  • Balances cannot be carried over
  • If you don’t pay on time each month, you’ll be charged a minimum late fee of $75
  • No gasoline cost rebates
  • Only accepted at Chevron and Texaco gas stations

Pricing: The Business Access card program costs $2 per month per card, as well as a one-time $40 setup fee.

U.S. Bank Business Cash Rewards World Elite Mastercard

U.S. Bank Mastercard

Best for: Small- to medium-sized businesses

The U.S. Bank Business Cash Rewards World Elite MasterCard caters to small- to medium-sized businesses seeking a fuel card with an excellent rewards program. Alongside its attractive rewards program, this cost-effective card does not impose any annual fees, making it a cost-effective choice if you’re looking for some best gas cards for small business options.

Special features

  • Receive $500 in cash back after spending $3,000 within the first 90 days 
  • Receive 3% cash back on qualifying purchases from the following:
    • Gas stations
    • Office supply stores
    • Cell phone and service providers 
  • 1% cash back on all other eligible net purchases
  • No annual charges
  • Up to 10 employee cards per account 

Benefits:  

  • Protection for your mobile phone against fraud
  • Up to $1,000 per year for up to two claims of mobile phone damage or theft 
  • 0% annual percentage rate on purchases and balance transfers for the first 12 billing cycles 
  • Receive bonus cashback rewards worth 25% of your previous year’s earnings
  • Up to $250 in cashback rewards after holding the card for a year 

Disadvantages: 

  • High penalty APR of 29.99% for late payments
  • 2% charge for transactions in U.S. dollars
  • 3% fee for transactions in foreign currencies

Pricing: $89 annually

Porter Freight fuel card

Porter Freight Fuel Card

Best for: Online management

Porter Freight Funding presents a selection of industry-leading gas cards that can assist your fleet in achieving substantial cost savings. Distinguished among the options, this fuel card offers significant discounts for trucking companies at major truck stops nationwide. With these gas cards, you gain the ability to manage and track expenses while establishing budgets and restrictions for your entire fleet.

Special features:

  • EFS online portal
  • Easy-to-manage fleet spending

Benefits: 

  • Accepted at over 14,000 stations nationwide
  • Credit line and fuel advances
  • Budget/purchase limits
  • Excellent savings
  • No startup minimum or monthly fees

Disadvantages: 

  • Not accepted everywhere

Pricing: Contact Porter Freight Funding to receive a personalized quote

Bank of America Business Advantage Customized Cash Rewards Credit Card

Bank of America

Best for: No spending caps

The Bank of America gas card is an excellent choice for large businesses that have substantial fuel expenses. With no limitations on spending, this card allows you to earn 2% cash back on every transaction. This feature makes it particularly suitable for companies that provide per diem to drivers, as it helps maximize savings on fuel costs.

Special features

  • Receive a $300 statement credit when you spend $3,000 in net purchases 
  • Earn 2% cash on dining purchases 
  • 3% and 2% cashback on your first $50,000
  • 1% cashback after that point 
  • 0% introductory APR on purchases for the first nine billing cycles 

Benefits: 

  • Online and mobile access
  • Fraud monitoring
  • Cash flow management tools
  • Overdraft protection
  • 0% APR for the first year
  • No annual fees 

Disadvantages: 

  • Low sign-up bonus of $300 
  • Combined 3% and 2% cash back categories 
  • $50,000 annual purchase cap

Pricing: No annual fee

BP fuel card

BP Solutions Fuel Card

Best for: BP or Amoco fuel clients

The BP Solutions Card is a brand-specific fuel card designed for customers of BP or Amoco. This card specifically caters to owner operators and fleet managers of small- to medium-sized fleets. With this card, fleet managers can exercise control over drivers’ fuel usage by implementing a daily limit. This feature enables efficient management of fuel expenses while maintaining oversight of fleet operations. If you’re a BP or Amoco customer, this is certainly one of the best fuel cards for businesses.

Special features:

  • Daily, weekly and monthly card limitations and restrictions 
  • Secure online access to account information
  • Reports and statements are available 24/7 
  • BP Solutions Fuel Card

Benefits: 

  • Security and fraud controls
  • Monitors after-hours purchases and daily transactions
  • Rewards for filling up at BP or Amoco
  • Ability to deactivate lost or stolen cards online at any time
  • Accepted at thousands of BP- or Amoco-branded locations in the U.S.

Disadvantages: 

  • $10 monthly charge if you buy less than 5,000 gallons of fuel per month
  • Not eligible for incentives with less than 300 gallons purchased per month 

Pricing

  • $10 per month  
WEX Universal Fleet card

76 Universal Fleet Gas Card

Best for: Regulating driver behavior

The 76 Universal Card is an ideal choice for businesses seeking company gas cards for employees with robust security features. It offers fleet managers the ability to monitor and control drivers’ purchases, as well as track their spending patterns. With 76 Universal employee gas cards, businesses can effectively prevent instances of unauthorized or illegal spending, ensuring greater financial security and accountability.

Special features:

  • Save up to $7 per gallon 
  • Accepted at 95% of U.S. gas stations 
  • Can be used at 45,000 service locations 

Benefits: 

  • Detailed, easy-to-understand, monthly reports
  • No setup fees, monthly costs or subscriptions
  • Ability to track purchases of each employee
  • Online access to mobile accounts
  • Ability to sign up for purchase alerts

Disadvantages: 

  • Not accepted at some locations
  • Security controls aren’t as impressive as other cards

Pricing:

  • 76 Universal Card: monthly $2 card fee 
  • 76 Fleet Card: $10 account fee

How do business fuel cards work?

Aside from providing cost savings at the pump, gas cards also offer the advantage of tracking both expenses and fuel usage on a regular basis. By using business gas cards, you gain the ability to set spending limits for employees, discourage and identify fraudulent activities, as well as conveniently track transactions online. These features enhance financial control and enable efficient monitoring of fuel-related expenditures.

What makes a good business gas card?

High-quality business gas cards provide valuable features such as point-of-sale restrictions and enhanced security measures, empowering business owners to proactively manage their upcoming expenses. Additionally, most companies offering gas cards provide convenient access to card information through web portals.

Furthermore, if you have concerns about unauthorized transactions at service stations when providing cards to drivers, a gas card for business can offer significant advantages to your company. By setting up SMS or email notifications, you can receive real-time alerts about purchases, ensuring prompt awareness and the ability to monitor transactions effectively.

Track fuel consumption and performance

Business gas credit cards let employers track card usage and keep tabs on purchases that have been made. These tracking features allow employers to determine whether their company vehicles are functioning at maximum fuel efficiency, sometimes in real time.

Every time your employees fill up their tanks, you will receive an odometer reading. This data makes it possible for you to figure out how many miles per gallon each vehicle receives.  

Decrease environmental footprint

Monitoring fuel consumption enables fleet managers to optimize driving routes and identify mechanical issues that may affect fuel efficiency. Everyone benefits from reduced carbon emissions, and sustainability is becoming an increasingly important consideration in freight carrier decisions.

Cost control

With fuel contributing to at least one-fifth of a trucking company’s overall costs, payments at the pump add up quickly. Unfortunately fuel expenses are unavoidable, but with the help of a gas card for business, you can keep them to a minimum. 

The best gas card for business provides drivers with lower gas prices and discounts from participating gas stations around the country. Drivers can also use fuel cards as an alternative payment method. Some gasoline models work like credit cards with lines of credit, while others offer fuel advances that function like pre-paid cards.

Fraud liability

Business gas credit cards provide truckers with the peace of mind that they’ll never run out of money for fuel. Many gasoline cards can track international fuel tax agreement (IFTA) reporting and make your fuel use taxes simpler.

Rewards and cash back

Filling up your tank with gas cards for businesses can help you earn rewards, discounts and cash back. These incentives provide augmented benefits for your drivers, and some cards offer free products and gift cards.

Trucking gas cards make driving easier

If you run a trucking company, are an owner-operator, or manage a fleet, you need gas cards for businesses. Not only are fuel cards worth it for the discounts and rewards, but you can get cash back for buying things that are a crucial part of your business. If you don’t have a gas card for your trucking company, get one that works everywhere your fleet goes.

FAQ

What is the best gas card for businesses?

The answer depends on your specific needs, but AtoB and Fuelman, for instance, are two highly regarded options. Look for cards that allow you to fuel up at most stations along your driving routes, offer detailed analytics on fuel expenditures to optimize costs, have flexible payment options tailored for businesses, and provide various rebates and rewards based on total fuel spending volume.

Are fuel cards worth it for small businesses?

With benefits like consolidated fuel cost tracking, volume discounts, enhanced cash flow from floating payments between invoice and payment dates, and keeping drivers on the road rather than stopping for out of pocket fuel payments, fuel cards greatly benefit small businesse’s finance oversight and operations. The cost savings and convenience often offset any fees.

Do gas cards help build business credit?

Gas cards issued to an LLC or corporation, when used and paid regularly, do help establish business credit history and scores. Paying these business expenses on time demonstrates creditworthiness, opening the door to additional credit and financing.

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Put the brakes on fleet fuel overspending

Stay in control of your fleet with Fuelman's fuel cards. Manage your account on the DRIVEN FOR FUELMAN ™ app 24/7, track driver purchases, and get easy-to-understand reports - all while enjoying savings at the pump.