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BP Business Solutions Fuel Plus card review

Kevin Joey Chen
Kevin Joey Chen
Last updated:  

Find competitive rebates starting at 300 gallons purchased monthly.

  • Get this card if you want to fuel exclusively at BP stations, and you purchase at least 300 gallons of fuel monthly.
  • Pick something else if you want to fuel outside of BP stations.
  • Apply with a fair credit score of 580 or higher.

Up to 6

Cents off a gallon

Up to $120

Annual fee

19.99% to 28.99%

Purchase APR (variable)

580

Recommended credit score

Details

Product NameBP Business Solutions Fuel Plus card
Annual feeUp to $120
Purchase APR19.99% to 28.99% variable
Balance transfer APRN/A
Late payment fee$75
Late payment fee conditions$75 or 5% of the new balance, whichever is greater
$75 or 9.99% of the new balance, whichever is greater for high risk accounts
Returned payment feeUp to $50

Expert review

Kevin Joey Chen

Review by

Kevin Joey Chen is a credit cards, banking and investments writer who has written nearly 500 Finder articles. He's passionate about helping you get your finances in order and expertly navigate the cutting-edge financial tools available -- including credit cards, apps and budgeting software.

Expert review

The BP Business Solutions Fuel Plus card is a closed-loop card for managers of midsize fleets. It offers up to 6 cents per gallon in fuel rebates. However, watch out for a monthly account fee of up to $10 per account, which can cut into your savings.

The issuing bank, Fleetcor determines whether your credit is revolving or non-revolving. A revolving account allows user to make a minimum payment after each billing cycle. A non-revolving account means you have to pay the entire balance at each billing cycle.

Card benefits

  • Get rebates up to 6 cents per gallon at BP stations.
    When you purchase at least 300 gallons of fuel in a month at BP stations, you’ll earn a rebate. The maximum is 6 cents per gallon on fuel and 3.5 cents per gallon on diesel.
  • Control costs.
    Save by limiting purchases to business hours only or by setting fuel-only limits. This can help you eliminate unauthorized spending.Cap spending by day, week or month. And you can prompt drivers for odometers and ID numbers as they use their cards.
  • Activate and deactivate cards easily.
    If you need more cards, you can activate them through your BP online dashboard. You can also deactivate cards if they’re lost or stolen.
  • View activity on cards.
    Your online account shows you transaction info 24/7, including card and driver IDs. You’ll also find fuel usage and vehicle performance, which can help eliminate waste.If you’d like to see specific account details, you can do so through customized reports.

Rewards on gas purchases

Gallons purchased in a monthRebate per gallon
0 to 2990
300 to 2,9993.5 cents
3,000 to 7,9994.0 cents
8,000 to 9,9995.0 cents
10,000+6 cents

What to watch out for

  • Interest.
    Interest on a revolving account is variable and can be between 19.99% to 28.99% APR, with a $2 minimum finance. For non-revolving accounts, Fleetcor adds an additional interest of 1.95% fixed APR on the unpaid amount. It can charge the the maximum amount allowed under law.
  • Fees.
    You may be charged $10 a month for account maintenance. However, you can have this fee waived each month you buy more than 5,000 gallons of fuel. Below, you’ll find a list of several other fees Fleetcor charges.

Associated card fees

FeePurpose/When it appliesAmount
Account feeMembership fee for using your card.Up to $10 per account per month.
Late feeNot paying the required balance by the due date.
  • $75 or 5% of the new balance (whichever is greater), or the maximum amount allowed under law.
  • If your account is high-risk: $75 or 9.99% of the new balance (whichever is greater).
  • Additional interest charge of Index + 14.99% to 23.99%, for a variable rate (revolving) or up to 1.95% fixed APR (non-revolving).
Check-by-phone feePaying your bill by calling a customer service representative.Up to $15
Check-by-phone feePaying your bill by calling a customer service representative.Up to $15
EFT setup feeFee if Fleetcor allows an EFT payment option and you elect to use it.$50 (one time).
EFT/ACH/wire feeInitiating an EFT, ACH or wire payment.$50 per payment.
Returned payment feeMaking a payment that your bank doesn’t honor.Up to $50.
Paper statements and reportsReceiving paper statements or reports by mail.$15 per month per account.
Research request feeWhen you request copies of your billing statements, sales slips, checks or memoranda of transactions for purposes other than investigating billing errors.$5 per copy or the maximum amount allowed by law, whichever is less.

Compare other business cards for gas rewards

Name Product Rewards Purchase APR Annual fee
American Express® Blue Business Cash Card
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)
$0
Earn 2% cash back on all purchases on up to $50,000 per calendar year, then 1%. Rates & fees
Apply now
View details
American Express® Business Gold Card
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
$295
Earn 35,000 points after spending $5,000 in the first 3 months from account opening. Rates & fees
Apply now
View details
U.S. Bank Business Cash Rewards World Elite™ Mastercard®
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 15 billing cycles (then 13.99% to 24.99% variable)
$0
Earn $500 cash back after you spend $4,500 on purchases in the first 150 days from account opening. Rates & Fees
Apply now
View details
Ink Business Cash℠ Credit Card
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)
$0
$500 bonus cash back after you spend $3,000 in the first 3 months.
See offer
View details
The Hilton Honors American Express Business Card
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
$95
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
Apply now
View details

Compare up to 4 providers

How to apply for the BP Business Solutions Fuel Plus card

  1. Navigate to the BP website, then click Apply now.
  2. Fill out the application form with information about your business, such as its contact details, number of vehicles and annual income.
  3. Review your details and submit your application.

What credit score do I need?

With a fair credit score of 580 or higher, you may be approved for this card. If your score is below 660, however, Fleetcor may designate your account as high-risk. In this case, you may pay steeper late fees.

When is my account considered high-risk?

If your account is deemed high-risk, you may be subject to additional fees. Fleetcor may deem your account to be high-risk if:

  • Your commercial credit score is below 520.
  • Your personal credit score is below 660.
  • There’s a drop in your credit score of 51 points or more within three months.
  • More than one late fee is assessed on your account in any 12-month period.
  • You’ve been late on payments for 30 or more days within any 12-month period.
  • Your bank doesn’t honor a payment you’ve made.

Fleetcor may adjust your fees, billing cycle, payment terms and credit limit if your account is high-risk. It may also add a 2% fee — what it calls a Credit Risk Assessment — per billing cycle.

Bottom line

If you purchase at least 300 gallons of fuel a month at BP stations, you could find this card’s strong rebates useful. If you spend less than that and want to make purchases outside of BP stations, however, a different card will likely suit you better.

If you don’t want a fleet card, consider a small-business gas card to find the card that fits you best.

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