ARCO Business Solutions Fuel Card review

Card benefits

• Card controls.
  Designate spending limits on your account’s cards. For example, set limits by gallons purchases. You can also limit purchases, such as setting fuel-only rules.

• Card management.
  Add and remove driver IDs through your online account. Also, see transaction histories, including exception reporting.
• Security.
  Tracking options include odometer readings and driver ID prompts. Through your online dashboard, you can set PIN codes and deactivate lost or stolen cards.

What to watch out for

• Purchase limitations.
  This closed-loop card can only be used for purchases at US ARCO locations. It can’t be used for maintenance purchases.
• Your account may be revolving or non-revolving.
  FLEETCOR will designate your account as revolving or non-revolving.You can carry a balance between billing periods with a revolving account. You must pay off your balance each billing period if you have a non-revolving account.

• Late fees.
  • Revolving accounts:
    The late fee for not making the minimum payment is the greater of $75 or 5% of the new balance or the maximum amount allowed by law. If you have a high-risk account, your late fee will be the greater of $75 or 9.99% of the new balance, or the maximum amount allowed by law.
  • Non-revolving accounts:
    The late fee for not paying your entire balance by the due date is the greater of $75 or 7.25% of the new balance, or the maximum amount allowed by law. If you have a high-risk account, you’ll pay the greater of $75 or 12.25% of the new balance, or the maximum amount allowed under law.
  • Extra fee for high-risk accounts.
    If you have a high-risk account, FLEETCOR may add a fee of 2% of your account’s spend limit per billing period.
  • Other fees.
    If FLEETCOR assesses charges on your non-revolving account, it may add an additional 1% to 2% fee.In the table below, you can see other fees you may find with this card.

  Fee	Purpose/When it applies	Amount
  Program fees	Tax processing, membership, enhanced reporting, etc.	Determined by FLEETCOR.
  Check-by-phone fee	Calling a customer service rep and making a payment.	Up to $15.
  EFT setup	If you want an EFT payment system set up on your account.	Up to $50 (one time).
  EFT bank handling fee	If FLEETCOR uses an EFT to debit your bank account.	Up to $5 per debit.
  Non-standard payment fee	Making a payment via wire or ACH.	Up to $50 per payment.
  Card fee for paper statements	Having paper statements sent to you via US mail.	$1.50 per activated card per month (maximum of $15 per month per account).
  Card fee for electronic statements	Having electronic statements sent to you via email.	$1 per activated card per month (maximum of $15 per month per account).
  Returned payment fee	If you make a payment that isn’t honored by your bank.	Up to $50.
  Research request fee	When you request copies of billing statements, checks, memoranda of transactions, etc. for a purpose other than looking into billing errors.	$5 per copy.
  High-risk credit fee	If FLEETCOR determines your account to be high-risk.	Up to 2% of your account’s spend limit per billing cycle.

  • You may pay interest for a revolving account.
    Carrying a balance on your revolving account comes with interest of the current prime rate plus 14.99% to 23.99%. This means the card has a variable interest rate.

    At the time of this writing, your revolving account would have an interest rate of 18.24% to 27.24% variable.

    Each billing period you carry a balance, you’ll pay a minimum finance charge of $2.

  What is the Index as defined by FLEETCOR?

  FLEETCOR defines the Index as the highest prime rate in the “Money Rates” section of the Wall Street Journal within the past 90 calendar days preceding the first day of each billing cycle.

  Compare other business cards for gas rewards

  Sort by:

  Name	Product	Rewards	Purchase APR	Annual fee
  Ink Business Cash℠ Credit Card		5% at office supply stores, on Internet, cable and phone up to $25,000 combined annually (then 1%), 2% on gas and dining up to $25,000 combined annually then 1% after that and on all other purchases	0% intro for the first 12 months (then 13.24% to 19.24% variable)	$0	$500 bonus cash back after you spend $3,000 in the first 3 months.	Apply now View details	Compare	loading Fetching your data...
  Universal Premium Mastercard®		3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network	27.24% variable	Up to $120	Earn 3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network.	Apply now View details	Compare	loading Fetching your data...
  BP Business Solutions Mastercard®		Up to 6 cents per gallon on fuel and 3.5 cents per gallon on diesel depending on number of gallons purchased per month	27.24% variable	Up to $120	Up to 6 cents per gallon on fuel and 3.5 cents per gallon on diesel depending on number of gallons purchased per month.	Apply now View details	Compare	loading Fetching your data...
  ARCO Business Solutions Fuel Card			18.24% to 27.24% variable	Up to $180	The ARCO Business Solutions Fuel Card gives your drivers access to greater performance with high quality fuels at ARCO locations. The card provides fleet managers with detailed reporting and individual spending controls for each and every driver.	Apply now View details	Compare	loading Fetching your data...
  Speedway SuperFleet Mastercard®		Up to 5 cents per gallon off depending on purchase volume	Rates and fees not available before applying	See terms	Earn rebates on gas and diesel at thousands of Speedway locations.	Apply now View details	Compare	loading Fetching your data...
  ARCO Business Solutions Mastercard			18.24% to 27.24% variable	Up to $180	This card offers spending flexibility, the freedom to use the cards wherever you need, detailed cost analysis, individual card control, and incremental rebates that deliver more for your fleet management system.	Apply now View details	Compare	loading Fetching your data...
  BP Business Solutions Fuel Plus card		Up to 6 cents per gallon on fuel and 3.5 cents per gallon on diesel depending on number of gallons purchased per month	18.24% to 27.24% variable	Up to $120	Up to 6 cents per gallon on fuel and 3.5 cents per gallon on diesel depending on number of gallons purchased per month.	Apply now View details	Compare	loading Fetching your data...

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  How to apply for the ARCO Business Solutions Fuel Card

  1. Navigate to the ARCO website. Then click Apply now under the ARCO Business Solutions Fuel Card.
  2. Fill out the form with your business details — contact information, number of vehicles, annual income, etc.
  3. Review your details and submit your application.

  What credit score do I need?

  A fair credit score of at least 580 may qualify you for this card. However, you’re never guaranteed approval, and a higher credit score will increase your chances.

  Bottom line

  If you want to fill up exclusively at ARCO stations, this card could fit your needs. However, there are things to be desired as this card doesn’t offer volume rebates, and comes with steep fees — especially if you have a high-risk account.

  If you’re not sure a fleet card is the right choice for you, consider one of the best small-business gas cards.

  Frequently asked questions

  • If my credit score isn't where I want it to be, how can I improve it?

    Consider strengthening your credit score by making payments in a timely fashion, keeping your balance under 30% of your credit limit and applying for new credit infrequently. Visit our credit score guide for more tips.

  • What is the main difference between an open-loop and closed-loop card?

    An open-loop falls within a payment network, such as Mastercard, and you can use it anywhere that network is accepted. Meanwhile, you can use a closed-loop card only at certain locations.

  • What is the main difference between a non-revolving and revolving account?

    If you have a non-revolving account, your provider will give you a lump sum of available funds to use. After you pay off those funds, you must be assigned new credit in order to spend more.

    If you have a revolving account, you’re allowed to spend up to your credit limit. Any portion of your balance that you pay off is freed up as available credit for you to use.