U.S. Bank Business Edge Cash Rewards World Elite MasterCard

Best Cash-Back Gas Credit Card for Small Business Owners

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Pros
  • Rewards never expire
  • Annual bonuses on top of regular rewards
  • Accepted around the world
Cons

Requires excellent credit, so many small business owners find it tough to qualify.

Highlights
  • Earn $200 Cash Back after you spend $1,000 in eligible net purchases on a single card in the first 90 days.
  • 3% cash back on all cellular, single gas purchases of $200 or less, and office supply store eligible net purchases; 1% cash back on all other eligible net purchases.
  • Receive a 25% annual bonus based on your prior year’s Cash Rewards, up to $250.
  • Rewards can be redeemed once you reach a $25 threshold, and in additional increments of $25 thereafter.
  • No limit on total rewards and they never expire.
Details

Application Process:  There are 3 convenient ways to apply: online, at a participating U.S. Bank branch, or over the phone.

Rewards: You qualify for plenty of rewards with this gas credit card, and so do your employees. It’s a great card for small businesses that do a lot of driving, like if you regularly send employees to work on roofs or clean houses. In fact, Money Crashers refers to this card as an “on-the-go business owner’s dream.” Can’t say we disagree.

Collect unlimited 3% cash-back rewards on qualifying purchases for gasoline, business supplies, and cellular purchases. Other purchases give you 1% cash back. There’s no expiration date on rewards, and you can redeem them in 3 convenient ways:

  • MasterCard gift cards
  • Direct deposit in an active U.S. Bank account
  • Statement credits

You can’t cash out until you have at least $25 in rewards, but it’s easy to hit that figure quickly.

Bonus Offers: We’re huge fans of the 0% introductory APR for the first 9 billing cycles. Make sure you fill your tank(s) before the last day of the promo - the APR jumps to a minimum of 12.99% after that.

We also dig the card’s annual bonus because it’s nice to see a card that rewards long-time customers. You get 25% of your previous year’s Cash Rewards as a bonus - up to $250.

APR:  With a variable APR as low as 12.99%, this card easily has the best APR on our list. Some cardholders pay as much as 23.99%, but the rate you get depends on your credit history.

Expect to pay more (24.99%) if you take out a cash advance. The cash advance rate is still lower than the regular rate for some credit cards we’ve researched!

Annual Fee: Sound the trumpets: There’s no annual fee for this small business gas card!

Card attributes
  • Variable APR
    13.49% - 24.49%
  • Cash Advance APR
    25.49%
  • Rewards Rate
    3% cash back on all cellular, single gas purchases of $200 or less, and office supply store eligible net purchases; 1% cash back on all other eligible net purchases.
  • Annual Fee
    $0
  • Intro APR
    n/a
  • Bonus Offers
    Earn $200 Cash Back after you spend $1,000 in eligible net purchases on a single card in the first 90 days.
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