Best Local Business Gas Cards for 2025 – Save More on Every Gallon
Fuel costs continue to rise, and for local businesses that operate fleets or rely on regular travel, these expenses can quickly eat into profits. That’s why more and more small businesses are turning to local business gas cards as a cost-saving solution.
These specialized credit cards are tailored to help businesses manage fuel expenses, monitor driver spending, and even earn rebates or discounts on gasoline purchases. By using gas cards designed for business use, local companies can gain more control over operational costs while improving cash flow.
What Are Local Business Gas Cards?
Local business gas cards are credit or charge cards issued by major oil companies, banks, or third-party providers specifically for use by businesses with vehicle expenses. They typically provide benefits like detailed expense tracking, fuel rebates, and spending controls for employees.
Most importantly, they are designed for regional businesses that operate locally, giving them discounts at participating fuel stations in their geographic area. Some cards also integrate with fleet management software, making it easier to oversee fuel usage and vehicle performance.
For local plumbing, landscaping, HVAC, or delivery companies, gas cards offer both convenience and savings without the risks of personal card usage.
Benefits of Using Local Business Gas Cards
Improved Fuel Budget Management and Cost Savings
Business gas cards enable better expense control. Through digital statements and usage reports, business owners can track where and how their fuel budget is being spent. This transparency allows for smarter budgeting and forecasting.
Moreover, many providers offer fuel discounts or cashback rewards based on volume usage. Local businesses that drive frequently can accumulate significant savings over time by using the right card consistently.
Streamlined Driver Spending and Operational Efficiency
By assigning individual cards to each driver, business owners can set spending limits and eliminate unauthorized purchases. Some gas card programs also include fraud detection tools and real-time alerts.
This not only prevents misuse but also enhances accountability and simplifies bookkeeping. When tax season arrives, businesses benefit from organized fuel expense reports that are easily exported for accounting purposes.
Top Local Business Gas Cards in 2025
ExxonMobil BusinessPro Card
The ExxonMobil BusinessPro Card is designed for businesses that need wide coverage and competitive rebates. It provides up to 6¢ per gallon in rebates and is accepted at over 95% of fueling stations across the U.S.
This card offers advanced controls, online account access, and the ability to restrict fuel types or limit non-fuel purchases. It’s ideal for businesses that primarily fuel up at Exxon or Mobil stations and need detailed reporting capabilities.
WEX FlexCard
The WEX FlexCard is a flexible fuel card solution that offers local businesses net terms (up to 14 days to pay) and an average rebate of 3¢ per gallon.
Its simple setup and comprehensive fleet management tools make it a strong option for companies that want fuel analytics and customizable controls over employee usage.
Shell Small Business Card
The Shell Small Business Card offers up to 5¢ per gallon in rebates and is a great fit for businesses operating in regions with heavy Shell station presence. It includes online tracking, purchase limits, and driver ID requirements for added security.
It supports fleet tracking and provides summary reports ideal for accounting and tax filing purposes. Businesses can apply online and get quick approval.
FleetCor Universal Fuel Card
The FleetCor Universal Fuel Card provides businesses with extensive reporting tools, fuel savings, and fraud protection. It’s usable at over 320,000 locations and supports integrations with GPS and telematics systems.
It’s especially useful for service-based businesses that want maximum flexibility while keeping tight control on driver and fuel expenditures.
Beyond Fleet Card
The Beyond Fleet Card is a newer contender that combines local gas savings with mobile fuel tracking. It’s great for smaller operations looking for a simple, cost-effective solution without monthly fees.
Drivers can use the mobile app to find nearby partner stations and monitor spending in real-time. The card also features daily and weekly purchase controls, helping owners prevent misuse.
Why Local Businesses Should Use Gas Cards
Without gas cards, business owners often rely on employee reimbursements or shared corporate credit cards, both of which are inefficient and prone to misuse. Gas cards streamline the entire process, from purchase to accounting.
For example, a local HVAC company with five service vans can reduce fuel costs by up to 8% annually using a gas card with consistent rebates. Additionally, digital reports reduce administrative burdens, allowing managers to focus more on service delivery than bookkeeping.
Where and How to Apply for Local Business Gas Cards
Applying for a gas card is straightforward. Most providers offer online applications that require business details, bank account information, and a credit check (though some offer options for businesses with low credit).
To get started:
- Visit the provider’s website
- Fill out the online application form
- Submit basic business and tax identification details
- Await approval (usually within 24–48 hours)
Apply for the ExxonMobil BusinessPro Card Apply for the WEX FlexCard Apply for the Shell Small Business Card Apply for the FleetCor Universal Fuel Card Apply for the Beyond Fleet Card
Frequently Asked Questions (FAQ)
Q1: Do I need good credit to qualify for a local business gas card? A1: Not necessarily. Some cards like the WEX FlexCard offer net terms and lenient approvals for smaller businesses.
Q2: Can I use these cards nationwide? A2: Most cards like FleetCor and WEX are accepted at a wide range of fuel stations nationwide, even if optimized for local usage.
Q3: Are there fees associated with these gas cards? A3: Some cards have no monthly fees, while others may include fees depending on usage volume or late payments. Always review terms before applying.
Learn more about managing small business expenses with our Ultimate Fleet Expense Management Guide and explore our Fuel Card Comparison Hub.
