The Best Credit Cards for Truckers: Save Big on the Road!

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best credit cards for truckers

Hey there, truckers! Ready to hit the road and save some serious cash? In the fast-paced world of trucking, managing your finances is key to success. 

And guess what? 

The secret weapon to cut down expenses, earn rewards, and stay on top of your game is none other than the right credit card! Buckle up, ’cause in this guide, I’ll walk you through the best credit card options for truckers, spilling all the benefits and rewards. 

Plus, we’ll answer those burning questions you’ve got about credit cards, making sure you’re all set to make smart choices.

Here’s what’s in store: 

Now, let’s make tracks!

Fuel Cards & Business Credit: Gas Up to Save Big!

Fuel cards can be like gold for truckers. Not only do they give you discounts on fuel, but they also work wonders in slashing maintenance and truck-related expenses.

But, here’s the thing: not all fuel cards are created equal (some might not even report your credit history). So, to build that strong credit score, you might to consider business credit cards that do report to credit agencies. 

Recommended: This is How to Leverage Business Credit to Transform Your Life 

Fortunately, there are quite a few fuel cards tailor-made for truckers with no credit checks or options for those with not-so-perfect credit. Score!

Now, let’s talk savings! With fuel cards in hand, you can kiss a lot of sky-high fuel costs goodbye. Get ready to save big on gas and keep those hard-earned dollars where they belong – in your pocket! 

Some fuel cards give you massive discounts and rewards, but that’s not all. Combine it with fuel-efficient driving and comparing prices at different fuel stations – boom, more savings! 

And, you don’t have to worry if your credit history isn’t spotless. Some fuel cards for truckers are more forgiving, giving you a shot at the good stuff.

Recommended: Credit Secrets Book Review: Can You Erase Bad Credit History? 

The Benefits of Fuel Cards for Long-Haul Drivers 

Before we dive into the credit card options, let’s learn why fuel cards are the real deal.

Expense Reduction and Rewards

Picture this: you’re getting cash back and rewards on your fuel, maintenance, and truck-related expenses. Sounds like a dream, right? 

Well, dream no more! 

Finding the right card is all about getting you those juicy rewards, which means cutting down expenses and boosting your bottom line. Hello, more money in your pocket!

Improved Cash Flow

Life on the road can be unpredictable – I get it. But, worry not! Credit cards can be your financial cushion when payments are delayed or surprise expenses pop up. 

With that flexible plastic in your wallet, you can keep on truckin’ without any hiccups.

Expense Tracking and Simplified Bookkeeping

Nobody likes a mountain of receipts and confusing spreadsheets. Real-time spend tracking and analytics to the rescue! 

Many cards give you all the nitty-gritty details of your transactions on the same day spending takes place, making bookkeeping a breeze. 

You might also like: How to Use Business Gas Cards to Build Your Business Credit

The Top Credit Cards for Truckers: Your Highway to Savings!

Now, let’s hit the gas and check out the best credit cards just for truckers.

1. WEX Fleet Card

fuel cards for truckers with no credit check

The WEX Fleet Card is an ideal choice for growing businesses seeking real savings and efficient fuel expense management. Accepted at 95% of U.S. fuel stations, the card offers automatic fuel expense tracking, employee spending controls, purchase alerts, and exclusive discounts in the WEX EDGE savings network. 

The card’s fuel anywhere feature eliminates the need to plan routes around specific fuel stations, making it convenient for truckers. Advanced spending controls allow businesses to customize purchase restrictions, and detailed, custom reports aid in smart decision-making. 

This card also offers a mobile app for easy account access and provides excellent customer service.

Best for: Growing businesses with mixed fleets looking for comprehensive fuel expense management, robust controls, and access to exclusive discounts.

2. Shell Fleet Navigator Card

truckers preferred credit card

The Shell Fleet Navigator Card provides truckers with a wide acceptance at over 13,000 Shell stations and 95% of all U.S. fueling stations. With robust control features, businesses can set limits and track fueling activity easily. 

The card offers rebates of up to 5 cents per gallon, helping truckers save on fuel expenses. Plus, the card’s security features – like driver IDs and purchase controls – minimize the risk of fraud and misuse. 

Best for: Trucking businesses seeking a fuel card with a strong network, significant rebates, and efficient control options.

3. Exxon Mobil FleetPro Card

Credit cards for drivers

The ExxonMobil Fleet Pro Card is a single-card solution for mixed fleets and heavy-duty fleets. It offers universal card acceptance and competitive pricing on fuel within the Exxon and Mobil unified commercial and retail network. 

The card comes with the option for Exxon Mobil Rewards+ program, allowing drivers to earn points for discounts on fuel and other purchases. Synergy Diesel Efficient™ fuel is designed to offer cleaner engines and better fuel efficiency for fleets.

Best for: Mixed fleets and heavy-duty fleets looking for a single-card solution with fuel savings and additional rewards.

4. Fuelman

Best fuel card for owner operators 2023

Fuelman offers a range of fuel cards with flexible controls, tracking options, and rebates on gas purchases. The card allows businesses to set custom fuel controls, monitor spending, and track fuel expenses, which helps prevent fraud and misuse. 

It also provides additional benefits like the Maintenance Manager feature and various offers tailored for different fleet types.

Best for: Businesses seeking a fuel card with customizable controls and tracking options to effectively manage fuel expenses.

5. Shell Small Business Card

Top fuel cards

The Shell Small Business Card offers similar benefits as the Shell Fleet Navigator Card, making it suitable for businesses with smaller fleets. It provides fuel rebates, control features, and an extensive acceptance network. 

Businesses can easily track expenses and control fuel usage, making it an efficient option for small fleet operators.

Best for: Small businesses with fleets looking for fuel rebates and control features.

6. Discover It Secured Card

fuel cards for truckers with bad credit

While not specifically designed for truckers, the Discover It Secured Card can be beneficial for those looking to build or rebuild their credit history. The card requires a refundable security deposit, and responsible use can help improve credit scores. 

With cashback rewards on various categories, it can provide some value to truckers, especially if they use the card for everyday purchases.

Best for: Truckers looking to build or rebuild credit while earning cashback rewards.

Note: rather than use a secured card, I typically recommend credit repair, followed by business credit building for much higher spending limits.

7. Hilton Amex Surpass Card

Best business credit cards for owner operators

The Hilton Amex Surpass Card is a travel rewards credit card with excellent benefits for those frequently staying at Hilton hotels and resorts. The card offers generous points on hotel stays, dining, groceries, and gas purchases. 

Cardholders enjoy Hilton Honors Gold Status, a Free Night Reward, and Priority Pass™ Select membership for airport lounges.

Best for: Truckers who often stay at Hilton hotels and resorts and want to earn travel rewards and enjoy travel-related perks.

You might also want to check out → AtoB Business Gas Card Review: Is it Really a Superior Fleet Card? 

Frequently Asked Questions

Do truckers get fuel discounts?

Yes, truckers usually get fuel discounts. These discounts are either offered through company agreements and partnerships, specialized fuel card programs, or business credit cards with discounts and rewards on fuel spending. These discounts help drivers and business owners save on operating costs.

What is the best credit card for truckers?

Everyone is as different as the available credit cards! The best credit card for truckers depends on what you need and what you want to achieve. Cards like the WEX FlexCard Fleet Card Rewards and the RTS Fuel Card are trucker faves for their awesome fuel discounts and savings, but they both need to be paid in full each month.

What is a truck fuel card?

It’s your secret weapon to save money on fuel! A truck fuel card is like a supercharged credit card, specially made for truckers and fleet owners. You get discounts, rewards, and simplified expense tracking – it’s fueling made easy!

Which gas card saves you the most?

Ready to fill up your savings tank? Gas cards like the WEX FlexCard Fleet Card Rewards and the Fuelman Deep Saver Fleet Card dish out the best rebates and rewards, making sure you keep more green in your wallet. But, there are some business credit cards thar offer even more rewards and savings on fuel – the best offer depends greatly on your situation.

Do fuel cards build credit?

Fuel cards that report on-time payments to credit bureaus help build business credit, yes. But, not all gas card companies report on-time payments, which means these offers will have no impact on your personal or business credit. 

Final Thoughts

So there you have it! With this ultimate guide, you’re all set to make those smart financial moves. Armed with the right card, you can slash expenses, earn rewards, and conquer the road like never before. 

Time to hit the highways and steer your way to success in the competitive world of trucking! Keep those wheels rollin.’ Saving big could be just one application away…
Are you interested in learning how to obtain up to $100K in business credit in as few as 30 days? Join Business Credit Workshop today!

AtoB Business Gas Card Review: Is it Really a Superior Fleet Card?

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AtoB business gas card review

I have not used this card myself, but AtoB has been coming up in conversations about building business credit for over a year now. People in my network are giving the card and the company rave reviews. So, I had to find out what was up for myself. Now that I know, I definitely want to share this offer with readers.  

Here, learn everything you need to know about an AtoB business fuel card: overview, benefits, highlights, and application process (there’s even a bit of info about bonus offers from AtoB). 

Here’s the breakdown: 

Now, learn what this offer has in store.  

What is the AtoB Gas Card? 

AtoB offers a business “fleet card” for companies that would like to buy now and pay later for fuel and automotive services. In addition, the card offers bonuses like discounts up to 25 cents per gallon (determined by the underwriting team upon approval) on gas… and it’s free — zero fees.  

Fleet cards aren’t just for business owners, but for anyone who drives for your company. So, you can request multiple cards and provide one for each driver. 

The AtoB card is different from a typical credit card in that you don’t make minimum monthly payments. Instead, the terms are net 7 (you pay the card in full every week). 

I heard that AtoB offers net 7 terms (true) — this means cardholders are expected to pay their balance in full every 7 days — and that these terms could be expanded to net 14. While there might have been an offer to extend payment terms in the past, this is not the case. As of today, according to an AtoB sales rep, the only available terms are net 7.  

AtoB gas card reviews

Finally, their offer is geared toward but is not limited to serving the trucking and logistics industry, which is natural since trucking and logistics companies have the largest fleets. 

Where is AtoB Located? 

Celegans Labs, Inc., the name of AtoB’s parent company, is located in San Francisco, California, at Four Embarcadero Centre, Suite 1400. Their company actually does business from Carr Workplaces, a co-working space off Mission Street — a building about 8 blocks from Oracle Park (makes me wonder if they’re Giants fans). 

Who Owns AtoB Fuel Card? 

AtoB was founded in 2019 (not very long ago!) by Harshita Arora, Tushar Misra, and Vignan Velivela. Collectively, they seem to be a brilliant tech team. 

Harshita Arora, AtoB Co-Founder
Harshita Arora
Tushar Misra, Co-Founder of AtoB
Tushar Misra
Vignan Velivela, Co-Founder & CEO of AtoB
Vignan Velivela

Harshita Arora is a backend software engineer who previously founded Harshita apps, the company that built Crypto Price Tracker, which was acquired a few years back. 

Before AtoB, Tushar Misra attempted to build a decentralized charging station network for lighter-than-car vehicles as the CEO and Founder of Grido. In the course of fewer than 18 months, the company scaled to five cities in the US and Mexico before it looks like they closed the shop.

Vignan Velivela, AtoB’s current CEO, is a Carnegie Mellon graduate. And, before this venture, he worked full-time as a software engineer at Cruise (he created motion-planning software for self-driving cars).  

AtoB Fuel Card Highlights (Beyond Savings & Ease)

In addition to the savings (up to 25 cents per gallon) on fuel and the ease of making one fuel payment for multiple drivers, AtoB has some pretty impressive features and benefits. Take a look: 

1. It’s Completely Free… Really

The key benefit of an AtoB card is that it is free for qualified businesses. Most business gas cards charge monthly fees and interest. Not to mention, AtoB’s maximum savings are at least double that of any card I’ve ever heard of. 

If it’s Free, How Does the AtoB Fuel Card Make Money? 

Most fleet cards earn money with merchant rebates — essentially asking the merchant for a rebate each time a driver pays for fuel with their card. In AtoB’s case, where they offer up to 5% savings, rebates would have to be loftier than that. And, traditionally, merchant rebates range between 1-4%. 

According to a Buzzfile report on the company, AtoB generated just above a quarter million dollars in 2019 (this isn’t much for a company that now has at least 158 employees). 

AtoB Fuel Card Reviews

Someone told me that they believed AtoB had halted operations because of changing market conditions. As of today, September 2022, this rumor is false, and AtoB is still in operation — the business is very much alive and well. Any sluggish business in recent months could have had something to do with the funding round that just took place. 

After some digging, I found that AtoB has received a total of $257 million from 5 funding rounds since August 2020. Most recently, they announced another $75 million raised on August 16, 2022. And, with the founders’ tech background, I would wager that the majority of future profits will come from their software offer. 

Furthermore, AtoB has additional offers that generate revenue. 

Extra Offers From AtoB

Complementary to the zero-fee gas card offer, which certainly stands out, AtoB has other offers within its platform. 

  • AtoB Plus – Paid, subscription-based offers for added benefits. 
  • AtoB Wallet – Stripe-powered digital wallet. 
  • AtoB Payroll – In-app W2 and 1099 payroll platform.  
  • AtoB Factor – Invoice factoring for outstanding earnings (partner offer).

If any of these interest you, I encourage you to look into them — for non-cardholders, see AtoB’s terms & conditions to learn more.  

2. Get On-Time Payments Reported to Experian Business

Anyone building business credit will want to check out AtoB’s full offer when they find out that they report on-time payments to Experian Business every 30 days. 

Does A to B fuel card report to credit bureaus?

Several fuel cards do this — In fact, there are at least a dozen or so business gas cards that report on-time payments to credit bureaus (but, you don’t see me sharing full reviews about all of them, do you?).  

3. It’s Universal: Use Your Card Anywhere Visa is Accepted 

Many, if not most business gas cards are limited to specific, in-network gas stations. AtoB has eliminated that headache and can be used at any station that accepts Visa.  

AtoB fuel card reddit

Full disclosure: AtoB is not the only fuel card that does this. For instance, Comdata has a Mastercard, and Wex has some universal options — they have at least 30 small business gas card offers with various terms. 

4. See the Best Nearby Stations to Buy Fuel 

After 90 days of account and card activation, cardholders can access the AtoB app. You’ll have to reach out to support to activate this perk after you’ve been using your card(s) for a few months.

With the AtoB Driver mobile app, anyone can find the best in-network fuel savings in their area, even when they’re on the go — And, the in-app directory includes the fuel grade at each location, to make thoroughly-informed decisions. 

Where can I use atob gas card?

5. Use Your Card to Pay Insurance, Maintenance, Tolls, & More

Most fuel fleet cards offer variable savings on fuel for every gallon purchased. AtoB offers more savings. In addition, they offer business owners the option to opt-in to use your cards on other purchases

So, if you choose, you’ll be able to unlock the ability to use your card(s) to pay auto insurance, vehicle maintenance, bridge & interstate tolls, and other business costs. 

6. Control Spending to Prevent Card Misuse

According to a US fraud report from Shell, 86% of Fleet managers think that drivers’ card misuse results in 30 cents per gallon or 10% in added costs. And, AtoB has used this statistic to power their strategy, add security features to their offer, and to provide a savings prediction for businesses.   

A to B fuel card discounts

So, you’ll not only save via instant discounts but also prevent card misuse for up to 10% savings on gas costs. 

Here’s How to Apply for an AtoB Gas Card

AtoB fuel card application

If you’re ready to apply, head over to AtoB.com, and click Get Started.

The application asks for basic contact info, company info, financial information, and your business location. You’ll have to be a legitimate business owner with an EIN to complete the online form. You’ll also need to share your weekly fuel spend and the number of vehicles you have, along with how many cards you need. And, you’ll need to upload a copy of your driver’s license.  

You can either link your business bank account or upload your three most recent business checking account statements. If you try to use a personal checking account, you won’t be able to proceed. 

A to B fuel card application financial information

Before you submit, you’ll have a chance to review the application info you entered. Once your email is confirmed, AtoB will review your information and get back to you within 5-7 business days (that is, according to the website — the sales rep I spoke with said it could take up to 14 days for a decision). 

AtoB fuel card requirements

While they state in their terms & conditions that they reserve the right to pull consumer credit, AtoB does not ask for a social security number during the application process. 

The Secured Card Option From AtoB

Business owners with lower, provable business income may qualify for a secured card (you put money into your account, and refill your fund balance as you go). While secured cards aren’t typically recommended — traditional secured card fees are just too high — this one is free and comes with most of the benefits AtoB offers. 

So, if you are unsure about your ability to qualify for a tradeline, this might still be an offer worth looking into. You be the judge.   

Answers to Related Questions

Will a gas card help build credit?

Many fuel cards report payment activity to credit bureaus, which can help build out the cardholder’s credit profile and, in turn, build credit. Fleet cards (business gas cards) often report on-time payments to D&B, Experian Business, and/or Equifax Business. So, yes, responsible payments made toward a balance on a gas card can help build credit.

Is there a “universal gas card?”

AtoB Fuel Card

Universal gas cards aren’t limited to in-network fuel purchases. There are universal cards. AtoB, for example, can be used anywhere Visa is accepted. And, companies like Comdata and Wex have universal options. 

Is fuel cheaper with a fuel card?

When used at discount locations, which vary from card to card, fuel cards enable the cardholder to save on the price per gallon of gas. AtoB offers savings of up to 25 cents per gallon at select locations and up to 5 cents per gallon universally.  Some fuel cards offer “cash price” or better at select stations.

What fuel card can be used anywhere?

Several fuel cards can be used anywhere. Any card with a Visa or Mastercard logo can be used wherever these types of payments are accepted. AtoB is a universal Visa card, Comdata offers a Mastercard, and Wex has a handful of universal card options. 

What business gas card is easiest to get?

Any secured business gas card is easy to get because you can fund the account with your own cash (and still take advantage of card benefits). Some secured cards come with high fees. AtoB, however, offers a free, secured business gas card to those who might not qualify for net 7 terms at the gate. Over time, most secured cards can be upgraded to more traditional credit terms.      

How do I apply for a gas card?

To apply for a gas card, 99% of the time, you can visit the website of the card you want and apply online. There may be some cases where you must file a paper application. Review a business credit application template to see what you might expect. 

Final Thoughts

In addition to the features and benefits already listed above, I love that AtoB, as a company, is so transparent — they’re not trying to hide anything (as far as I can tell), and their offer stands out from every competitor that I know of. 

If you’re in the market for a fleet card, I recommend you do more research on AtoB, and consider their offer. It seems to be a hit! Before you do, take a look at our list of gas cards that report to business credit bureaus.   

Would you like to learn how to obtain up to $100K in business credit in as few as 30 days? Join Business Credit Workshop today.

How to Use Business Gas Cards to Build Your Business Credit (Updated Sept. 2022)

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How to use fleet cards to build business credit

After a call with a Business Credit Workshop student of mine, several years ago, I compiled a list of business gas cards. Originally, I summarized the key points from the conversation and shared my findings here. At the time, the article was meant as a supplement for current students of the e-course. I’ve since decided to provide even more information, make it public, and regularly update this directory of credit-boosting business gas cards. 

Here, you will learn what a business gas card is and how it differs from a regular credit card, everything you need to know about using one, and how to select the best card(s) for your company. Then, you’ll find a list of 11 cards to study including terms, rates, and rewards. Read all the way to the end for bonus advice about your application and payments. 

Contents:

Let’s get the ball rolling… 

First, What is a Business Gas Card?

A business gas card, fuel card, or fleet card is a secured or unsecured credit line — often with net 30 or comparable terms — that enables business owners and staff to pay for gas and sometimes other expenses like insurance and auto maintenance. Many cards offer benefits such as fuel cost discounts. And, these cards are typically easier to qualify for than traditional credit cards. 

As a bonus, fleet card servicers typically report on-time payments to business credit bureaus, including D&B. So, fuel cards provide a convenient way for businesses to build credit. 

Frequently Asked Questions

How Does a Business Gas Card Work?

A business fuel card is used in place of cash, credit, or debit to pay for gas. The cards enable drivers within a company to acquire petrol at stations within a designated network. The business, not the individual, is responsible for making the monthly payment in full.  

What Credit Score is Needed for a Gas Card?

While credit cards require certain respective credit scores, business gas cards are often leveraged as secured credit. So, a certain score is not typically required. Instead, the card issuer takes a risk in return for a monthly service fee or other arrangement.  

Can’t You Just Use a Regular Business Credit Card for Gas?

Yes, you can use most business credit cards to pay for gas (if you are authorized to do so). However, with business fleet cards, you often get discounts on fuel. And, some people use fuel cards with net 30 terms to build business credit before applying for a traditional, revolving business credit card? 

Are Company Fuel Cards Worth it?

According to some sources, a gas card is arguably not a good idea. These sources say that fuel card interest rates run higher than a typical credit card and that companies are better off choosing another funding source. However, because of their approval rate, value, and convenience, they are one of the best to build business credit. And, for those naysayers, AtoB has a completely free offer. 

So, yes, company fuel cards are worthwhile for many people. 

What Are the Benefits of Having a Fuel Card?

Business fuel cards come with several advantages. While some of the pros have already been stated, here’s a list of benefits. 

  • Convenience – No need for cash, credit, or debit cards. 
  • Consistent Pricing – Fuel up within one network of stations. 
  • Payment Security – Payments are made through a secure server.
  • Organized Cost Tracking – No need to manually collect receipts. 
  • Tax Write-Off Monitoring – Easily access fuel spending during tax preparation.
  • Discounts & Rewards – Discounts & rewards are offered to cardholders. 
  • Customized Reporting – Gain a clear picture of your fuel budget.
  • Unified Billing – Pay for all business fuel costs at one time. 
  • Account Alerts – Get notified about important account information.
  • Electronic Receipts –  Receive receipts electronically via SMS or email. 
  • Purchase Amount Control – Gain more control over fuel purchases. 
  • Time-Savings – Administration efforts are cut tremendously.  
  • Credit Building – Issuers report on-time payments to credit bureaus. 

With on-time payments, a gas card can tremendously enhance your operations and help increase your business credit score. 

What Business Gas Card is Easiest to Get?

Fleet cards aren’t known for being especially difficult to get. In fact, they’re typically used to build credit. But, in my experience, AtoB looks like the best offer —  they offer a free, secured card to business owners who might not qualify for their normal net 7 terms in the beginning (over time, with responsible payments, AtoB might upgrade terms). 

11 Easy-Approval Business Gas Cards That Can Help Boost Your Business Credit Score

Leverage these companies to build positive trade lines that report to Dun & Bradstreet (D&B) and other bureaus. Responsible use and on-time payments with these vendors will help boost your D&B, Experian Business, and Equifax Business credit scores.

1. AtoB Business Gas Card

AtoB business gas card
  • Terms: Net 7 (pay-in-full weekly)
  • Rates: FREE
  • Rewards: Save up to 25¢ per gallon on fuel purchases, use anywhere Visa is accepted, see the best prices from nearby gas stations, spending control, and use your card to pay insurance, payment, tolls, and more. 

Recommended: AtoB Business Gas Card Review (Is it Really a Superior Card?)

2. Shell Small Business Card

Shell small business gas cards
  • Terms: Revolve or pay-in-full
  • Rates: Up to Prime +20.74% variable APR
  • Rewards: Save up to 6¢ per gallon of fuel purchases and discounts at participating Jiffy Lube® locations.

3. Comdata Universal Mastercard 

Comdata fleet card
  • Terms: Revolve, pay-in-full, or prepaid 
  • Rates: Up to Prime +23.99% variable APR, up to $10 per month service fee, and up to $50 one-time setup fee
  • Rewards: Save up to 6¢ per gallon of fuel purchases, an additional 6¢ per gallon for the first six months, 5% on maintenance at participating Firestone® and Tires Plus® retail locations, and up to 3¢ per gallon rebate with participating merchants within the Retail Savings Network, use anywhere Mastercard is accepted. 

4. Sunoco Universal Fleet Card

Sunoco fleet card by Wex
  • Terms: Pay-in-full
  • Rates: 6.99% monthly percentage rate, $2 monthly service fee, and $40 account setup fee
  • Rewards: Save up to 6¢ per gallon on fuel purchases and up to 25¢ per gallon through the promotional period

5. Exxon Mobil FleetPro™ Card

Exxon Mobil fleetpro card
  • Terms: Revolve or pay-in-full
  • Rates: 23% variable APR and minimum $2.99 finance charge
  • Rewards: Save up to 6¢ per gallon of fuel purchases

6. Conoco Universal Card

Conoco universal gas card
  • Terms: Revolve or pay-in-full
  • Rates: 28.74% variable APR, 0% APR if paid in full monthly, and minimum $2.00 finance charge 
  • Rewards: Save up to 7¢ per gallon, accepted at 95% of gas stations

7. Chevron and Texaco Business Card

Chevron Texaco business card
  • Terms: Revolve or pay-in-full
  • Rates: 9.99% monthly percentage rate with up to $10 service fee
  • Rewards: Save up to 10¢ per gallon on fuel purchases in the first six months

8. BP Business Solutions & Business Solutions Plus

BP business gas cards
  • Terms: Revolve or pay-in-full
  • Rates: 14.99% to 23.99% variable APR (revolving) or 1.95% monthly percentage rate (non-revolving) and up to $10 service fee
  • Rewards: Save up to 6¢ per gallon on fuel purchases

9. Valero Fleet Fuel Cards

Valera Business gas cards
  • Terms: Revolve or pay-in-full
  • Rates: 16% to 24% variable APR (revolving) 1.33% to 2% monthly percentage rate (non-revolving) with no minimum interest
  • Rewards: No discounts (To save up to 8¢ per gallon on fuel purchases, large fleets might look into the Valero Fleet Credit Card)

10. Speedway Business Fleet Card

Speedway gas card
  • Terms: Pay-in-full
  • Rates: 7.99% monthly percentage rate and a $75 minimum service fee
  • Rewards: Save up to 5¢ per gallon on fuel purchases

11: Wex Small Business Fuel Cards

Wex fleet cards

Use Wex to help you make the right card selection for your operations. Choose between credit or charge cards, and select your state and your preferred brand to compare the best available options — they have a ton of cards. 

  • Terms: Variable
  • Rates: Variable
  • Rewards: Variable

Bonus: Business Fuel Card Advice 

The first key to building business credit starts before you obtain your card. When you apply for business gas cards, if you have 5 or more employees and have done business for two or more years, it will usually eliminate your personal guarantee. So, apply as a business using your EIN or DUNS™ number instead of your social.  

Next, the number of employees you have and the amount of time you’ve been in business are stronger indicators of eligibility than the number of vehicles you use. So, if you only have one vehicle, only list one fleet car. The more honest you are, the more relevant terms you will receive.

Finally, you may need to make a tough decision about how to pay on your account. For most gas cards, even with revolving credit, you can avoid periodic interest rates by paying your account in full each period. If you’re looking for the highest possible savings, this is a good idea. 

However, as with most revolving credit, some bureaus consider a small balance under 30% of your limit ideal. So, when you qualify for revolving terms on your preferred gas card, carefully weigh the pros and cons before you determine whether to pay a portion or to pay your entire balance each month. 

Final Thoughts 

If you’ve made it here, congratulations — you are officially one step closer to boosting your business credit score. You have the information you need to fully leverage business gas cards, so go put it to use. In the meantime, Would you like to learn how to obtain up to $100K in business credit in as few as 30 days? Join Business Credit Workshop today.

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