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ARCO Business Solutions Fuel Card review

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A closed-loop card valid at US ARCO locations only.

  • Get this card if you want a card to use at ARCO stations.
  • Pick something else if you want an open-loop card or want volume rebates.
  • Apply with a fair credit score of 580 or higher.

Up to $180

Annual fee

19.99% to 28.99%

Purchase APR (variable)


Recommended credit score


Product NameARCO Business Solutions Fuel Card
Card typeStore card
Annual feeUp to $180
Purchase APR19.99% to 28.99% variable
Balance transfer APRN/A
Late payment fee$75
Late payment fee conditionsRevolving: $75 or 5% of new balance, whichever is greater (up to 9.99% for high-risk accounts)
Non-revolving: $75 or 7.25% of new balance, whichever is greater (up to 12.25% for high-risk accounts)
Returned payment feeUp to $50

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.
  • What does a high-risk account mean?

    You may be subject to higher fees if FLEETCOR deems your account high risk. According to FLEETCOR, you may have a high-risk account if:

    • You have a commercial credit score below 530.
    • You have a personal credit score below 670.
    • Your credit score has a drop of 51 or more points within three months.
    • You’ve received more than one late fee within 12 months.
    • You’re more than 30 days late on payments within a 12-month rolling period.
    • You make a payment and your bank doesn’t honor it.
  • 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.
    FeePurpose/When it appliesAmount
    Program feesTax processing, membership, enhanced reporting, etc.Determined by FLEETCOR.
    Check-by-phone feeCalling a customer service rep and making a payment.Up to $15.
    EFT setupIf you want an EFT payment system set up on your account.Up to $50 (one time).
    EFT bank handling feeIf FLEETCOR uses an EFT to debit your bank account.Up to $5 per debit.
    Non-standard payment feeMaking a payment via wire or ACH.Up to $50 per payment.
    Card fee for paper statementsHaving 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 statementsHaving electronic statements sent to you via email.$1 per activated card per month (maximum of $15 per month per account).
    Returned payment feeIf you make a payment that isn’t honored by your bank.Up to $50.
    Research request feeWhen 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 feeIf 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 19.99% to 28.99% 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

    Name Product Rewards Purchase APR Annual fee
    American Express® Blue Business Cash Card
    2% cash back on all purchases on up to $50,000 per calendar year, then 1%
    0% intro for the first 12 months (then 14.74% to 20.74% variable)
    Earn 2% cash back on all purchases on up to $50,000 per calendar year, then 1%. Rates & fees
    American Express® Business Gold Card
    4x points on two categories on up to $150,000 combined annually, then 1x points after that and on all other purchases
    15.74% to 23.74% variable
    Earn 35,000 points after spending $5,000 in the first 3 months from account opening. Rates & fees
    U.S. Bank Business Cash Rewards World Elite™ Mastercard®
    3% cash back on gas, cell phone services, and office supply stores and 1% back on all other purchases
    0% intro for the first 9 billing cycles (then 13.74% to 24.74% variable)
    Earn $200 cash back after you spend $1,000 on purchases in the first 90 days from account opening. Rates & Fees
    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 14.74% to 20.74% variable)
    $500 bonus cash back after you spend $3,000 in the first 3 months.
    The Hilton Honors American Express Business Card
    12x points at Hilton, 6x points on select business and travel and 3x points on all other purchases
    17.24% to 26.24% variable
    Earn 125,000 Hilton Honors Bonus Points after you spend $3,000 in eligible purchases on the card within the first 3 months of card membership. Rates & fees

    Compare up to 4 providers

    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 a small-business gas card.

    Frequently asked questions

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