Business Gas Cards That Report to Credit Bureaus: Full Guide (2026)

Finding business gas cards that report to credit bureaus can transform everyday fuel purchases into powerful credit-building opportunities. For small business owners and fleet operators looking to establish business credit history without risking personal finances, the right fuel card does double duty—saving money per gallon while strengthening your business credit profile. These cards offer small businesses the access they need to build credit while effectively managing fuel costs.

Key Takeaways

• AtoB reports to all three business credit bureaus (Dun & Bradstreet, Experian Business, and Equifax Business), making it the most comprehensive fuel card option for building business credit
• Business gas cards with credit reporting help establish a business credit history separate from your personal credit score
• Many fleet cards allow EIN-only applications, protecting your personal guarantee from liability
• Credit reporting frequency varies by provider—quarterly reporting is standard, with tradelines appearing within 3-6 months
• Cards offer per-gallon savings ranging from 5¢ to $2.00 while simultaneously building your business credit score
• Small businesses can access fuel cards accepted at thousands of fuel stations nationwide

{{CTA}}

Top Business Gas Cards That Report to Credit Bureaus

1. AtoB Fleet Card

Best for: Comprehensive credit reporting with maximum fuel savings

AtoB stands out as the best fuel card for building business credit because it reports to all three major business credit bureaus—Dun & Bradstreet, Experian Business, and Equifax Business. This triple-bureau reporting accelerates your credit-building efforts compared to cards that only report to one or two bureaus.

Credit Reporting: Reports to D&B, Experian Business, and Equifax Business

Key Features:

• Acceptance: Works at 99% of U.S. gas stations and fuel stations through the Mastercard network—anywhere Mastercard is accepted
• Fuel Savings: Average 45¢ per gallon on diesel fuel at truck stops (up to $2.00 per gallon at select locations), plus 5¢ per gallon on regular unleaded
• Discount Network: Access to 3,500+ truck stops and 30,000+ gas stations nationwide
• No Personal Guarantee: AtoB Flex credit card doesn't require a personal guarantee for qualified businesses
• Setup Fee: $35 one-time fee
• Monthly Cost: $3 per card (AtoB Unlimited) or $15 minimum for up to 5 cards (AtoB Flex)
• Fraud Protection: $250,000 coverage against fraud and theft

AtoB's mobile app lets drivers find the cheapest fuel stations, track fuel expenses in real-time, and access discounts instantly. Fleet managers gain robust account management tools, including spending limits, purchase controls, odometer readings verification, and detailed reporting for every billing cycle.

The card for your business also includes IFTA tax reporting automation, driver payroll integration, and 24/7 customer support in multiple languages. Whether you operate one truck or hundreds, AtoB offers the same fuel savings and credit-building benefits regardless of fleet size.

2. Shell Card Business Flex

Best for: Wide acceptance with triple-bureau reporting

Shell Card Business Flex provides strong credit-building potential with reporting to all three business credit bureaus. The card offers broad acceptance at 95% of U.S. gas stations, not just Shell stations.

Credit Reporting: Reports to D&B, Experian Business, and Equifax Business

Key Features:

• Acceptance: 95% of U.S. gas stations plus all Shell stations
• Fuel Savings: 25¢ per gallon rebate for first six months, then up to 5¢ per gallon thereafter (capped at 25,000 gallons per billing period)
• Credit Approval: EIN-only applications available for businesses with $1M+ annual revenue and established business credit history
• Personal Guarantee: May be required for newer businesses or those without established credit

Shell's account management platform tracks fuel purchases, generates custom reports, and helps manage fleet costs effectively. The card provides an extra layer of security with fraud alerts and the ability to deactivate lost or stolen cards instantly through the online portal.

3. BP Business Solutions Mastercard

Best for: Quarterly reporting to all bureaus with flexible acceptance

BP reports to all three major business credit bureaus quarterly, making it another solid choice for building business credit. The Business Solutions Mastercard works anywhere Mastercard is accepted.

Credit Reporting: Reports quarterly to D&B, Experian Business, and Equifax Business

Key Features:

• Acceptance: Anywhere Mastercard is accepted, plus BP and Amoco gas stations
• Fuel Savings: Up to 7¢ per gallon rebates at BP and Amoco locations
• Monthly Fee: $12 membership charge
• Credit Approval: EIN-only applications available; personal guarantee may be required based on business credit history

4. Fuelman Fleet Cards

Best for: Diesel fleets seeking triple-bureau reporting

Fuelman reports to all three business credit bureaus—D&B, Experian Business, and Equifax Business—providing comprehensive credit-building potential for fleets of all sizes.

Credit Reporting: Reports to D&B, Experian Business, and Equifax Business

Key Features:

• Card Options: Mixed Fleet Card, Diesel Fleet Card, or Fuelman Mastercard
• Acceptance: 40,000+ locations in Fuelman's network; Mastercard option accepted at gas stations nationwide
• Fuel Savings: 8-12¢ per gallon on diesel fuel at network locations
• Monthly Fee: $39 (Basic), $59 (Pro), or $99 (Enterprise), depending on your Fuelman account plan
• Personal Guarantee: EIN-only credit approval available for qualified small businesses

The Diesel Fleet Card offers the deepest discounts at 12¢ per gallon for fleets focused on diesel fuel. Fuelman also offers discounts on auto parts and other fleet supplies. The business universal card (Fuelman Mastercard) trades some savings for the flexibility to fuel anywhere, earning 3¢ per gallon on all fuel purchases.

5. WEX Fleet Cards (Chevron, Texaco, ExxonMobil, Phillips 66)

Best for: Brand-specific savings with dual-bureau reporting

WEX administers fleet card programs for several major fuel brands, including Chevron, Texaco gas stations, ExxonMobil, and Phillips 66. While these cards only report to two business credit bureaus (D&B and Experian Business), they still provide meaningful credit-building opportunities.

Credit Reporting: Reports to D&B and Experian Business

Key Features:

• Acceptance: Brand-specific stations plus "Universal" card options offering 95% U.S. gas station coverage
• Fuel Savings: 5-7¢ per gallon at participating gas stations
• Setup Fee: Varies by program ($0-$40)
• Account Agreement: EIN-only applications available for businesses with established business credit history (typically 3+ years in business)

WEX-powered cards offer robust fleet management features, including odometer readings verification, driver-specific purchase controls, and detailed fuel expenses tracking. The account management portal provides real-time access to transaction data across your entire fleet.

The Chevron and Texaco business cards work at Chevron and Texaco gas stations nationwide, while ExxonMobil's FleetPro Card adds Mastercard acceptance for flexibility when drivers can't find a branded location.

{{CTA}}

Why Business Gas Cards That Report to Credit Bureaus Matter

Building business credit opens doors to better financing terms, higher credit limits, and vendor relationships that don't require a personal guarantee. Business gas cards that report to business credit bureaus provide an accessible entry point since fuel purchases are recurring and predictable, creating a consistent positive payment history. These business fleet cards offer small businesses a straightforward way to pay for fuel costs while establishing creditworthiness.

When your fleet card reports to D&B, Experian Business, and Equifax Business, every on-time payment strengthens your credit file. Over time, this established business credit history qualifies your company for larger credit lines across all business financing. Small business owners gain access to business cards that work at fuel stations nationwide.

What to Look for in Business Gas Cards That Report to Credit Bureaus

Number of Bureaus: For maximum credit-building impact, choose cards that report to all three bureaus—Dun & Bradstreet (D&B), Experian Business, and Equifax Business. Cards using WEX only report to D&B and Experian, missing Equifax. The best fuel card for your fleet reports to all three.

EIN-Only Applications: Many cards allow applications with only your EIN, protecting your personal credit score from hard inquiries. EIN-only credit approval typically requires established business credit history (6+ months), documented revenue, and a business bank account. Small businesses gain access to these cards without risking personal assets.

Fuel Savings and Acceptance: Compare per-gallon discounts (ranging from 3¢ to $2.00) and network size. Fleet fuel cards offer varying levels of savings depending on spending volume. AtoB delivers the best combination with up to $2.00 per gallon savings while maintaining 99% acceptance through the Mastercard network—accepted anywhere Mastercard is accepted.

Fleet Management Features: Look for mobile app access to locate cheap fuel, spending limits by driver or transaction, purchase controls, odometer readings verification, and real-time account management through online portals. These features help fleets pay for and control fuel costs effectively.

How to Get a Business Gas Card That Reports to Credit Bureaus

Getting approved for a credit-reporting business fleet card requires proper documentation and a strategic approach. Here's what you need:

Required Documentation:

• Business EIN (Employer Identification Number)
• Driver's license for authorized signers
• Three months of business bank statements or revenue documentation
• Fleet size and estimated weekly fuel spending

EIN-Only Strategy: Apply using your EIN rather than your SSN to keep business and personal finances separate. If your business is new, you may need a personal guarantee initially—but many issuers allow removal after 6-12 months of positive payment history.

Credit Building Best Practices:

• Pay all balances before the due date (early payments are better)
• Use the fuel card regularly to generate an ongoing payment history
• Track fuel expenses through the mobile app or account management portal
• Monitor your business credit reports quarterly for accuracy

FAQs

Do gas cards report to credit bureaus?

Yes, many business gas cards report to credit bureaus—but not all cards offer the same reporting.

Important: Personal gas cards from consumer credit card issuers typically report to personal credit bureaus, not business credit bureaus. To build business credit, you need a true business fleet card with EIN-based reporting. These fuel cards offer access to credit-building tools that personal cards simply don't provide.

Can I get a gas card with my EIN number?

Yes, you can get a business gas card using only your EIN number—but eligibility depends on your business's qualifications. Fleet fuel cards from most major providers offer EIN-only applications.

EIN-only approval typically requires:

• At least 6 months to 3 years in business (varies by issuer)
• Established business credit history
• Documented business revenue ($50,000+ annually for some cards)
• Business bank account in good standing

If you're a newer business or lack an established business credit history, many issuers initially require a personal guarantee. This means they'll check your personal credit score and hold you personally liable for the account.

The good news: prepaid business gas cards like AtoB Unlimited don't require credit checks or personal guarantees. You fund the account upfront and still benefit from fuel savings, fleet management tools, and credit reporting to business credit bureaus. These cards offer small businesses access to the same fuel stations as larger fleets.

After building a positive payment history for 6-12 months, you may qualify to upgrade to a credit-based card without personal guarantee requirements.

What is the easiest business gas card to get approved for?

AtoB Unlimited is among the easiest business gas cards to get approved for because it requires no credit check, no personal guarantee, and no SSN. You only need:

• Business EIN
• Driver's license
• Three months of business revenue documentation

Approval typically takes 5-7 business days. Once approved, you get access to fuel savings averaging 45¢ per gallon on diesel fuel, plus credit reporting to all three business credit bureaus to start building business credit immediately.

For businesses seeking credit-based cards, AtoB Flex offers approval within one week without requiring an established business credit score. The card reports to all three bureaus and provides the same fuel savings and fleet management features.

How long does it take for gas cards to report to credit bureaus?

Most business gas cards report monthly or quarterly. Fleet fuel cards typically show tradelines on credit reports within 3-6 months after account opening. BP notes tradelines may take up to 6 months; AtoB and Fuelman typically report faster, with tradelines appearing within 3-4 months.

For fastest credit building, use your fuel card regularly, pay the full statement balance before each due date, and verify reporting accuracy quarterly. Consistent on-time payments help fleet operators access better financing terms over time.

Do business gas cards affect personal credit?

Business gas cards applied for with your EIN only should not affect your personal credit score. However, cards requiring a personal guarantee will check your personal credit during the application process, and missed payments on personally guaranteed accounts can be reported to personal bureaus.

AtoB's prepaid Unlimited card requires no credit check and doesn't affect your personal credit score. The Flex business card may require initial personal guarantee verification for newer businesses but reports exclusively to business credit bureaus. Small businesses can pay for fuel while building credit without personal liability.

Final Thoughts

Business gas cards that report to credit bureaus offer a straightforward path to building business credit while reducing everyday fuel costs. By choosing cards that report to all three major bureaus—D&B, Experian Business, and Equifax Business—you maximize credit-building potential with every fill-up.

AtoB delivers the strongest combination of comprehensive credit reporting, deep fuel savings (up to $2.00 per gallon on diesel), universal acceptance at 99% of gas stations nationwide, and no personal guarantee requirements. The card helps small businesses establish and strengthen their business credit profiles while controlling fleet costs through advanced account management tools.

Ready to build business credit while saving money per gallon? Apply for an AtoB fleet card today and start fueling your credit-building journey.

{{CTA}}

Citations:

[1] https://www.sba.gov/business-guide/plan-your-business/establish-business-credit

[2] https://www.score.org/resource/article/understanding-three-major-business-credit-bureaus

[3] https://www.experian.com/blogs/small-business-matters/2022/11/10/building-strong-tradelines-for-your-small-business/