If you’re a small business owner looking for ways to manage fuel costs and strengthen your financial foundation, gas cards to build business credit might be the perfect solution. As of April 2025, these cards are gaining traction among entrepreneurs who want to streamline expenses while establishing a solid credit profile. Fuel is often a significant expense for businesses with vehicles, whether you’re a contractor driving to job sites or a delivery service managing a fleet. Using gas cards strategically can help you save money, track spending, and—most importantly—build your business credit score. In this blog, we’ll dive into how these cards work, why they’re valuable, and how you can use them to grow your business in today’s economy. Let’s explore this practical tool and see why it’s worth considering for your financial toolkit.
What Are Gas Cards, and How Do They Work?
Gas cards come in two main flavors: branded fuel cards and general-purpose business credit cards with gas rewards. Branded cards, like the Shell Small Business Card or Chevron Texaco Business Card, are tied to specific gas station chains. They often offer discounts per gallon and detailed expense tracking tailored to fuel purchases. General-purpose cards, such as the U.S. Bank Business Triple Cash Rewards, work anywhere Visa or Mastercard is accepted and provide cash back or points on gas spending.
Both types allow you to make purchases on credit, with payment terms varying from net-30 (due in full monthly) to revolving balances with interest. Many issuers report your payment history to business credit bureaus like Dun & Bradstreet or Experian. Consistent, on-time payments can boost your business credit score, making it easier to secure loans or higher credit limits down the road. The key is choosing a card that fits your spending habits and credit goals.
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Why Use Gas Cards to Build Business Credit?
Building business credit is a game-changer for small businesses. Unlike personal credit, which relies on your Social Security number, business credit uses your Employer Identification Number (EIN). A strong business credit profile separates your personal and business finances, protecting your personal assets and opening doors to better financing options. Gas cards are an accessible entry point because they’re often easier to qualify for than traditional loans or lines of credit.
In 2025, fuel prices remain volatile, and businesses are looking for ways to cut costs. Gas cards often come with perks like rebates or cash back—think 3% back on gas with the U.S. Bank Triple Cash card or up to 10 cents off per gallon with the Coast Fuel Card. These savings add up, especially for high-mileage operations. Plus, the detailed reporting tools many cards offer help you monitor expenses in real time, a must-have in today’s fast-paced market.
Types of Gas Cards Available in 2025
Let’s break down the options you’ve got this year. Each type of gas card serves a different purpose, so picking the right one depends on your business needs.
- Fleet Fuel Cards: Ideal for businesses with multiple vehicles. Cards like the WEX Fleet Card or AtoB Fuel Card offer discounts (up to 10 cents per gallon) and robust tracking features. They’re accepted at thousands of stations and often report to business credit bureaus.
- Branded Gas Cards: Tied to specific chains like Shell or Exxon. The Shell Small Business Card, for instance, gives 5 cents off per gallon and requires only an EIN to apply, making it a solid choice for credit-building.
- General-Purpose Business Credit Cards: These offer flexibility. The Ink Business Cash Credit Card earns 2% cash back on gas (up to $25,000 annually) and has no annual fee. It’s perfect if you want rewards beyond fuel.
Here’s a quick comparison:
| Card Type | Best For | Rewards/Discounts | Credit Reporting |
|---|---|---|---|
| Fleet Fuel Cards | Fleets, high fuel use | Up to 10¢/gallon | Often yes |
| Branded Gas Cards | Specific station users | 5-6¢/gallon discounts | Varies |
| General-Purpose Cards | Flexible spending | 2-3% cash back | Usually yes |
How Gas Cards Help Build Business Credit
Here’s the magic of gas cards: they’re a stepping stone to a stronger credit profile. When you use a gas card and pay it off on time, the issuer may report that activity to business credit bureaus. This builds a positive payment history, which is a major factor in your business credit score. Unlike personal credit, business credit isn’t as widely standardized, but bureaus like Experian and Equifax track it for companies.
Take the AtoB Fuel Card as an example. It reports to Experian regularly, so every fuel purchase you pay off boosts your score. Even secured cards, where you deposit cash upfront, can help. The trick is consistency—late payments can hurt you, so set reminders or automate payments. Over time, a good score can unlock bigger credit lines or lower interest rates on loans.
Steps to Get Started with Gas Cards
Ready to jump in? Getting a gas card and using it to build credit is straightforward if you follow these steps.
- Check Your Eligibility: Some cards require a decent personal credit score (670+), while others, like the Shell Small Business Card, only need an EIN. Secured options are great if your credit’s shaky.
- Compare Options: Look at rewards, fees, and acceptance networks. Do you need a card for Shell stations or one that works everywhere?
- Apply: Most applications are online. You’ll need your EIN, business name, and sometimes revenue details. Approval can take minutes or days.
- Use Responsibly: Charge what you can pay off monthly. Stick to fuel or approved categories to maximize rewards.
- Monitor Progress: Check your business credit score through services like Nav or eCredable to see how it’s growing.
Gas Cards to Build Business Credit: Top Picks for 2025
Let’s spotlight some standout cards based on the latest info as of April 2025. These options balance rewards, accessibility, and credit-building potential.
- U.S. Bank Business Triple Cash Rewards: Offers 3% cash back on gas and EV charging, no annual fee, and a 0% intro APR for 12 months. It reports to bureaus, making it a credit-building champ.
- AtoB Fuel Card: A fleet card with up to 10 cents off per gallon at 30,000+ stations. No personal guarantee needed, and it reports to Experian—perfect for new businesses.
- Ink Business Cash Credit Card: Earns 2% cash back on gas up to $25,000 annually. No annual fee and flexible redemption options through Chase Ultimate Rewards.
Each of these cards has unique strengths, so match them to your spending patterns and goals.
Common Mistakes to Avoid
Using gas cards to build business credit sounds simple, but pitfalls can trip you up. First, don’t max out your card—keep usage below 30% of your limit to look good to creditors. Second, avoid missing payments; even one late payment can ding your score. Third, watch out for high fees or interest rates. Some fleet cards charge monthly fees per card, which can eat into savings if you’re not careful.
Another mistake? Not checking if the card reports to credit bureaus. Some branded cards don’t, so confirm this before applying. Lastly, don’t mix personal and business expenses—keep them separate to maintain a clear credit profile.
Benefits Beyond Credit Building
Gas cards do more than just boost your score. They save you money at the pump, which is huge when fuel costs fluctuate. Many offer real-time tracking through apps, letting you see every transaction as it happens. This is a lifesaver for managing employee spending or spotting fraud. Plus, some cards come with extras like roadside assistance or discounts on maintenance, adding value for businesses on the move.
In 2025, efficiency matters. Cards with digital tools—like the Coast Fuel Card’s manager portal—help you set limits and analyze spending, keeping your budget tight and your operations smooth.
Gas Cards to Build Business Credit: Who Should Use Them?
Not every business needs a gas card, but they’re a fit for certain types. If you’ve got a fleet—big or small—these cards are a no-brainer for savings and tracking. Sole proprietors driving for work, like real estate agents or freelancers, can benefit too, especially with general-purpose cards. New businesses with limited credit history should consider secured or EIN-only options to get started.
If fuel isn’t a major expense, though, you might be better off with a broader rewards card. Assess your spending to decide what’s worth it.
FAQs About Gas Cards and Business Credit
Do gas cards build business credit?
Yes, many gas cards report to business credit bureaus like Experian or Dun & Bradstreet, helping you build credit with on-time payments.
Do gas cards help build credit?
Absolutely, as long as the issuer reports your activity and you manage the card responsibly by paying on time.
Can I get a gas card with my EIN number?
Some cards, like the Shell Small Business Card or AtoB Fuel Card, only require an EIN, skipping the personal credit check.
What business credit card is best for gas?
The U.S. Bank Business Triple Cash Rewards stands out with 3% cash back on gas, no annual fee, and credit reporting.
Wrapping It Up
Gas cards to build business credit are more than just a way to pay at the pump—they’re a tool to grow your business smarter. In 2025, with fuel costs unpredictable and credit more important than ever, these cards offer savings, control, and a path to financial strength. Whether you pick a fleet card for discounts or a rewards card for flexibility, the key is using it wisely. Pay on time, track your progress, and watch your business credit soar. It’s a small step that can lead to big wins.
Disclaimer: The information in this blog is for educational purposes only and reflects data available as of April 2, 2025. It’s not financial advice. Consult a professional before making credit or financial decisions. The author isn’t liable for any outcomes from using this information. Card terms and availability may change, so verify details with issuers.
What’s your take? Share your thoughts on using gas cards to build business credit in the comments below!