Business Credit Cards for HVAC & Plumbing

5% on office supply and phone/internet, 2% on gas - no annual fee

The Chase Ink Business Cash is a no-annual-fee business credit card earning 5% cash back on office supply stores and internet/cable/phone services (up to $25k annually), 2% on gas and restaurants, and 1% on everything else - a staple card for HVAC owners covering overhead and fleet fuel.

Corporate card + spend management with 1.5% cash back and no personal guarantee

Ramp is a corporate charge card and spend-management platform offering 1.5% cash back, per-employee controls, automated receipt capture, and AP automation - with no annual fee and no personal guarantee - popular with growing HVAC shops consolidating tool, material, and back-office spend.

Universal Visa fleet card purpose-built for HVAC and service trades

Coast is a Visa-based fleet card built for HVAC and trade fleets, offering per-gallon rebates up to 9 cents, line-item fuel data, per-card driver controls, $25,000 fraud guarantee, and tight Samsara/Geotab integration - priced at $4 per active user per month.

Flat 2% cash back on up to $50k, no annual fee

The American Express Blue Business Cash Card earns a flat 2% cash back on all eligible purchases (up to $50,000/year, then 1%) with no annual fee - a simple default business card for HVAC owners covering parts, tools, and overhead.

3% cash back on gas, office, and phone - no annual fee

The U.S. Bank Triple Cash Rewards Visa Business Card is a no-annual-fee cash-back card offering 3% back on gas/EV charging, office supply, cell phone, and restaurant purchases, plus a $100 annual software subscription credit. It's a strong fit for HVAC contractors covering fuel and back-office spend.

Supply-house trade credit for HVAC/plumbing contractors with Net 10th prox

The Ferguson Pro Business Credit Account is a supply-house trade-credit account offering HVAC/plumbing contractors Net 10th proximo terms, job-level billing, and higher credit limits at Ferguson branches - one of the most common contractor supply accounts in the U.S.

Universal fleet card accepted at 95% of U.S. fuel stations

The WEX Fleet Card is a dominant business fleet fuel card accepted at 95% of U.S. fuel stations, with per-gallon rebates of 3-15 cents in the WEX EDGE savings network, driver IDs, odometer prompts, and real-time fraud alerts - widely used by HVAC contractors.

Net-30 industrial supply credit + vendor-managed inventory for trade shops

The Grainger Net 30 account (with optional KeepStock vendor-managed inventory) is a trade-credit account that lets HVAC contractors buy industrial parts, tools, and safety supplies on 30-day terms while building business credit through Dun & Bradstreet reporting.

Home Depot contractor credit with 4x Pro Xtra Perks earning

The Home Depot Commercial Revolving Charge and Pro Xtra Credit Card (issued by Citi Retail Services) are contractor-focused credit products offering flexible payments, employee card management, and 4x Pro Xtra Perks earning for HVAC and trade pros buying at Home Depot.

Shell-branded fleet card with up to 6 cents per gallon rebates

The Shell Fleet Plus Card is a fuel-brand fleet card (issued through WEX) offering tiered per-gallon rebates up to 6 cents at 12,000+ Shell stations, a 15% Jiffy Lube discount, and per-driver spending controls - built for HVAC fleets running gasoline service trucks.

Fleet fuel card with 8-12 cent per gallon rebates at 40,000+ stations

Fuelman is a fleet fuel card brand (owned by FLEETCOR/Corpay) offering rebates up to 8 cents per gallon on unleaded and diesel at 40,000+ stations in its discount network, plus universal Mastercard options - widely used by local HVAC, plumbing, and service fleets.

Purchase card for HD Supply account holders at Home Depot stores

The HD Supply ProPurchase Card is a purchase card tied to an HD Supply account that works at The Home Depot retail stores, with invoice-based billing, electronic receipts, and per-card spend limits - useful for HVAC contractors buying counter-stock tools and materials at Home Depot.