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BP Business Solutions Fuel Plus card review
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
18.24% to 27.24%
Purchase APR (variable)
580
Recommended credit score
Expert review
Review by
Kevin Joey Chen
kevin.chen@findercrew.comKevin Joey Chen is a credit cards, banking and investments writer whose work and analysis have appeared on CNN, U.S. News & World Report, Business.com, Lifehacker and CreditCards.com. He's passionate about helping you get your finances in order by expertly navigating cutting-edge financial tools — including credit cards, apps and budgeting software.
Expert review
How to apply for the BP Business Solutions Fuel Plus card
- Navigate to the BP website, then click Apply now.
- Fill out the application form with information about your business, such as its contact details, number of vehicles and annual income.
- 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.
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 month | Rebate per gallon |
|---|---|
| 0 to 299 | 0 |
| 300 to 2,999 | 3.5 cents |
| 3,000 to 7,999 | 4.0 cents |
| 8,000 to 9,999 | 5.0 cents |
| 10,000+ | 6 cents |
What to watch out for
- Interest.
Interest on a revolving account is variable and can be between 18.24% to 27.24% 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
| Fee | Purpose/When it applies | Amount |
|---|---|---|
| Account fee | Membership fee for using your card. | Up to $10 per account per month. |
| Late fee | Not paying the required balance by the due date. |
|
| Check-by-phone fee | Paying your bill by calling a customer service representative. | Up to $15 |
| Check-by-phone fee | Paying your bill by calling a customer service representative. | Up to $15 |
| EFT setup fee | Fee if Fleetcor allows an EFT payment option and you elect to use it. | $50 (one time). |
| EFT/ACH/wire fee | Initiating an EFT, ACH or wire payment. | $50 per payment. |
| Returned payment fee | Making a payment that your bank doesn’t honor. | Up to $50. |
| Paper statements and reports | Receiving paper statements or reports by mail. | $15 per month per account. |
| Research request fee | When 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
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 top-of-the-market small-business gas card to find the best fit for your business.
