10 Best Gas Rewards Cards & Fuel Discounts For Fleet Owners & Drivers

For trucking businesses and fleet operators managing tight margins, every cent saved at the pump translates directly to improved profitability. The best gas credit cards offer a strategic approach to reducing fuel expenses, whether you're an owner-operator filling up once a week or managing a fleet burning thousands of gallons monthly. These gas credit cards provide cash back rewards, fuel discounts, and specialized controls that can significantly impact your bottom line.

Quick Summary

• Best overall gas rewards: Citi Custom Cash offers 5% cash back when gas is your top category
• Fleet operations: AtoB Fleet Card provides up to 25¢ off per gallon with specialized controls
• No annual fee leader: Bank of America’s Customized Cash offers 3% (or 6% for the first year) on gas station purchases
• Membership perks: Costco Anywhere Visa delivers 5% at Costco gas, 4% at other gas/EV stations
• Fleet rebates: Shell Fleet Navigator offers rebates of up to ~6¢ per gallon at participating locations

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Top 10 Gas Rewards Cards & Fuel Discount Solutions

1. AtoB Fleet Card (Commercial/Fleet)

AtoB's fleet fuel card stands out for transportation businesses seeking both savings and operational control. Powered by Mastercard, it's accepted nationwide, including small independent stations that many fleet cards exclude, with no foreign transaction fees for cross-border operations.

Key Features:

• Up to 25¢ off per gallon with no spending limits

• Advanced fraud protection with driver authentication

• Real-time expense tracking and customizable spending controls

• No credit score required for business approval

Best suited for: Trucking companies, delivery fleets, and businesses requiring comprehensive fuel management solutions beyond simple cash rewards.

Learn more about AtoB's fuel savings

2. Chase Freedom Flex

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Chase’s quarterly rotating categories sometimes feature gas stations, yielding 5% cash back on up to $1,500 in spend after activation. Q3 2025 features gas and electric vehicle charging stations.

Pros:

• Highest gas rewards rate (5%) during active quarters

• No annual fee

• Additional 1% back on all other purchases

Cons:

• Requires quarterly activation and planning

• Limited to $75 maximum quarterly gas rewards

• Gas only featured 1-2 quarters annually

3. Citi Custom Cash Card

This innovative credit card automatically awards 5% cash back on your highest eligible spending category each month, with gas station purchases qualifying for the bonus rate.

Why it works for drivers:

• Consistent 5% on gas when it's your top expense

• $500 monthly limit covers most individual drivers

• No annual fee with $200 welcome bonus

Best for: Individual drivers or small operators who can maximize the monthly category limit for eligible purchases.

4. Bank of America Customized Cash Rewards

Cardholders select their 3% cash back category, with gas stations as a permanent option. New cardholders earn 6% for the first year on their chosen category.

Fleet manager advantage:

• Predictable 3% rate year-round

• First-year 6% boost provides immediate value

• An additional 2% on grocery stores and wholesale clubs

Limitations: Quarterly cap of $2,500 on combined purchases across bonus categories.

5. Blue Cash Preferred Card from American Express

Carrying a $95 annual fee, the card offers 3% back on fuel and 6% back on groceries, with a combined annual purchase limit of $6,000.

Value calculation:

• Break-even point: $3,167 annual gas spending

• $250 welcome bonus offsets first-year fee

• Strong for businesses with both fuel and supply purchases

6. Shell Fleet Navigator (Commercial)

Shell's business fuel card offers immediate pump discounts, rather than credit card rewards points, which appeals to operators who prefer instant savings.

Business benefits:

• rebates of up to ~6¢ per gallon

• Enhanced 30¢ per gallon for first five fill-ups

• 10% rebates on convenience store purchases

• Mobile fleet management tools

Drawback: Limited to the Shell network only.

7. Discover it Cash Back

Features rotating quarterly categories that occasionally include gas stations, providing 5% cash back when activated. In the first year, Discover automatically doubles all the cash back you’ve earned.

Unique feature: Unlimited cashback match during the first year doubles your rewards

Reality check: Gas quarters are infrequent, making this unreliable for consistent fuel rewards.

8. Fuelman Fleet Card (Commercial)

A closed-loop fleet card accepted at major truck stops and gas stations nationwide, designed specifically for commercial operations.

Commercial advantages:

• Volume-based fuel discounts

• Advanced reporting and expense controls

• Integration with fleet management systems

• No credit score required

9. Costco Anywhere Visa® Card

Costco’s co-branded Visa card has become one of the strongest consumer gas options, especially after its January 2025 update, which boosted gas rewards.

Key Features:

• 5% cash back on gas at Costco stations (new benefit as of Jan 2025)
• 4% on other gas and EV charging stations
• 3% on dining and travel
• 2% on Costco purchases
• 1% on all other purchases

Membership requirement: You must be a Costco member to qualify, making it best suited for individuals and families who already shop or fuel there.

Best for: Individual drivers who regularly fuel at Costco and want high, consistent cash-back rates across travel and dining categories in addition to fuel.

10. EFS Fleet Card (Commercial)

Established fleet fuel card with broad acceptance at truck stops and commercial fueling locations.

Professional features:

• Accepted at 95% of truck stops

• Real-time transaction monitoring

• Customizable spending controls by vehicle/driver

• Detailed reporting for tax and accounting purposes

Explore EFS alternatives with AtoB

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What's the Difference Between Gas Rewards Cards & Fuel Discount Cards?

Gas credit cards earn rewards points, miles, or cash back that you redeem later. Fuel discount cards provide immediate savings at the pump. For cash flow-sensitive operations, instant discounts often prove more valuable than waiting for monthly statement credits.

Credit card rewards work best when:

• You can pay balances in full monthly

• Rewards rates exceed 2-3%

• Administrative complexity is manageable

Discount cards excel for:

• Immediate cash flow relief

• Simplified accounting processes

• High-volume operations where small per-gallon savings multiply significantly

Which Option Saves More Money: Cashback or Instant Discounts?

The mathematics depend on your specific situation:

Cash rewards example: 4% rewards on $20,000 annual fuel spending = $800 yearly

Instant discount example: 15¢/gallon discount × 5,000 gallons = $750 yearly

However, instant discounts provide immediate cash flow benefits, whereas cash back requires paying full price upfront and waiting for the rewards to be redeemed. For businesses operating on thin margins, the timing difference matters significantly.

What Are the Best Gas Rewards Cards for Personal Use?

Individual drivers should prioritize cards with no annual fee and consistent earning rates:

1. Citi Custom Cash - 5% when gas is your top category
2. Bank of America Customized Cash - Reliable 3% on gas
3. Wells Fargo Autograph - 3% on gas, dining, travel, and popular streaming services

These cards are well-suited for personal vehicles, but they lack the controls and reporting features that business operations typically require.

Which Fuel Discount Cards Are Best for Business and Fleet Use?

Commercial operations need cards designed for business applications:

Top business choices:

• AtoB Fleet Card - Universal acceptance with fleet management tools
• Shell Fleet Navigator - Brand-specific with immediate discounts
• WEX Fleet Card - Established provider with extensive truck stop network

Business cards provide expense controls, detailed reporting, and fraud protection that personal cards cannot match. Start your AtoB application to see immediate business savings.

What Should Small Business Owners Consider: Rewards or Fleet Cards?

Small operators (1-5 vehicles) face a critical decision point. Consumer gas credit cards offer competitive rates with minimal fees, while fleet cards provide business-specific features at potentially higher costs.

Choose gas rewards cards if:

• Simple expense tracking meets your needs
• You prefer maximizing percentage returns
• Administrative time is limited

Choose fleet cards if:

• Multiple drivers require spending controls
• Detailed reporting is necessary for accounting
• Fraud protection is a priority concern

Which Cards Offer the Highest Gas Savings Rates?

The highest rates come from:

• 5% cash back: Citi Custom Cash, Chase Freedom Flex (when activated)
• Direct discounts: AtoB (up to 25¢/gallon), Shell (10¢/gallon)
• Membership cards: Costco (5% at Costco, 4% everywhere else)

Remember: The highest advertised rate isn't always the most valuable. Consider spending caps, network restrictions, and hidden fees when calculating real returns.

How Do Annual Fees Impact Your Gas Savings?

Annual fees create break-even calculations that vary by spending level:

• Blue Cash Preferred ($95 annual fee): Need $3,167+ annual gas spending to justify the fee over no-fee alternatives
• Premium fleet cards: Often charge monthly per-card fees ($3-8) that can total $300-2,400 annually for larger fleets

For high-volume operations, fee-based cards often provide superior net value through enhanced discounts and features.

What Are the Best No-Fee Options for Gas Savings?

No annual fee leaders include:

• Citi Custom Cash - 5% rotating categories

• Bank of America Customized Cash - 3% on selected categories

• Wells Fargo Autograph - 3% on multiple categories, including gas

For businesses avoiding fees, AtoB offers no setup or monthly fees while providing fleet-grade controls.

Which Programs Work Best for High-Volume Gas Purchases?

High-volume buyers should prioritize:

• Unlimited earning: Cards without spending caps that maintain full rewards rates regardless of purchase volume
• Volume discounts: Fleet cards offering increased savings as monthly spending rises
• Network coverage: Broad acceptance, ensuring drivers can always access discounted fuel

AtoB specifically designed their gas rewards program for high-volume operations, with unlimited discount potential and universal acceptance, including independent stations.

FAQs

Which credit card gives 5% back on gas?

The Citi Custom Cash Card provides 5% cash back on eligible gas purchases when gas stations represent your highest spending category each month. Chase Freedom Flex also offers 5% during activated gas quarters (typically Q3), and some issuers will automatically match your rewards at the end of the year.

Are there gas credit cards with no annual fee?

Yes, several excellent options charge no annual fee: Citi Custom Cash, Bank of America Customized Cash, Wells Fargo Autograph, and AtoB Fleet Card for business users.

Can small businesses use consumer gas rewards cards?

Legally, yes, but consumer cards lack the spending controls, reporting features, and fraud protection that business operations need. Fleet-specific cards provide better long-term value for commercial use.

What's the average savings with fuel discount programs?

Individual drivers typically save $300-$800 annually, while commercial fleets can save $2,000-$15,000+ per year, depending on their volume. The key is matching card features to actual spending patterns.

Do you need good credit for gas rewards cards?

Most consumer credit card rewards programs require a good credit score (FICO score of 650 or higher). However, business fuel cards, such as AtoB, often approve applications based on business revenue and checking account history rather than personal credit scores.

Which option is best for truckers and fleet owners?

AtoB Fleet Card offers the optimal combination of savings potential (up to 25¢ per gallon), universal acceptance, and fleet management tools specifically designed for transportation businesses. Unlike consumer cards, it provides the controls and reporting that commercial operations require while maintaining competitive discount rates for fuel purchases.

Key Takeaways

Smart fuel card selection depends on matching features to your specific needs. Individual drivers can earn cash rewards on every dollar spent through consumer cards, such as Citi Custom Cash, while business operations require fleet-specific solutions, like AtoB, that provide both savings and operational control. For those building or repairing credit, a secured credit card may serve as a starting point before moving into more flexible fleet or business card options that also allow access to future balance transfers when needed.

The most successful approach focuses on total value rather than just advertised rates—considering network acceptance, spending controls, reporting capabilities, and long-term business needs. For transportation businesses serious about controlling fuel costs while maintaining operational flexibility, start your AtoB application today and discover why thousands of fleets trust AtoB for their fuel management needs.

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Citations:
[1] https://www.creditkarma.com/credit-cards/i/best-gas-rewards-credit-cards
[2] https://www.bankrate.com/credit-cards/rewards/best-gas-cards/
[3] https://www.nerdwallet.com/best/credit-cards/gas
[4] https://www.atob.com/blog/how-do-fuel-cards-work
[5] https://thepointsguy.com/credit-cards/gas/