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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

18.24% to 27.24%

Purchase APR (variable)

580

Recommended credit score

Details

Product NameARCO Business Solutions Fuel Card
Card typeStore card
Annual feeUp to $180
Purchase APR18.24% to 27.24% 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

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.

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.
    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

    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
    $750 bonus cash back after you spend $7,500 in the first 3 months.
    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.
    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.
    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.
    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.
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    Compare up to 4 providers

    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

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