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BP Business Solutions Mastercard® review

Kevin Joey Chen
Kevin Joey Chen
Last updated:  

Buy at least 300 gallons of fuel per month for strong rebates, but beware of fees.

  • Get this card if you frequent BP- and Amoco-branded gas stations.
  • Pick something else if your fleet isn’t based in the Midwest or East Coast.
  • Apply for this card with an excellent credit score of 580 or higher.

Up to 6

Cents off a gallon

Up to $120

Annual fee

28.99%

Purchase APR (variable)

580

Recommended credit score

Details

Product NameBP Business Solutions Mastercard®
Card typeMastercard
Annual feeUp to $120
Purchase APR28.99% 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 Mastercard® is a fleet card for managers of mid-size or large fleets. While it offers up to 6 cents per gallon in fuel rebates at BP-branded stations, watch out for an account fee of up to $10 per account per month. Also, note that the issuer charges an out-of-network fee of up to $2 per transaction, on top of other costs that can cut into your savings.

Use this card to control costs and see detailed reports on fuel spending. It can be a strong choice if your fleet spends at least 300 gallons of fuel a month and can take advantage of the rebates.

Card benefits

  • Save up to 6 cents per gallon on fuel at BP stations.
    Each month you purchase at least 300 gallons of fuel at BP stations, you can save up to 6 cents per gallon on fuel, and up to 3.5 cents per gallon on diesel.
  • Control costs.
    Set fuel-only limits and restrict purchases only to business hours, which helps you cut down on unauthorized purchases. Set spending caps by day, week or month. Also, set cards to prompt for ID numbers and odometer readings.
  • Manage cards on your account.
    Activate new cards, and deactivate lost or stolen cards immediately.
  • View usage data.
    Access transaction data online including itemized transaction details and IDs for cards and drivers. And cut down on waste by viewing vehicle performance and fuel usage.

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 cents
8,000 to 9,9995 cents
10,000+6 cents

What to watch out for

  • Not a revolving credit account.
    Fleetcor charges a late fee if you don’t pay your balance in full. It determines your billing frequency after you open your account — weekly, monthly or twice monthly.
  • Fees.
    Some of the fees Fleetcor charge inlcude a monthly fee for buying less than 5,000 gallons of fuel a month and using your card at other stations other than BP and Amoco.

Associated card fees

FeePurpose/When it appliesAmount
Account feeAdministration fee for using your card.Up to $10 per account per month.
Out-of-network feeUsing your card at merchant locations that are not branded with BP or Amoco.Up to $2 per transaction.
Late feeNot making the full payment of the total balance due 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).
  • If your account is high-risk: Additional interest charge of 28.99% variable.
Check-by-phone feeMaking a payment by calling a customer service representative.Up to $15.
EFT setup feeSetup fee if Fleetcor offers an EFT payment option and you accept it.$50 (one time).
EFT/ACH/wire feeMaking a customer-initiated EFT, ACH or wire payment.$50 per payment.
Returned check feeIf you make a payment that’s not honored by your bank.Up to $50.
Currency Conversion Assessment Fee/Mastercard Cross-Border FeeMaking an international purchase with your card.
  • 0.2% of the purchase amount.
  • 0.9% of the purchase amount.
Card delivery feeRequesting replacement cards.$2.50 per card.

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 Mastercard®

  1. Visit the BP website and click Apply now.
  2. Complete the application form with business details such as your name, business name, business contact details, number of vehicles and business annual income.
  3. Review and submit your application.

What credit score do I need?

You may qualify for this card if you have at least a fair credit score of 580. But Fleetcor deems your account high-risk if your score is below 660. If so, you may pay higher late fees.

What does it mean for my account to be high-risk?

Fleetcor may designate your account as high-risk if:

  • Your commercial credit score is below 520.
  • Your personal credit score is below 660.
  • Your credit score drops by 51 or more points within a three-month period.
  • You incur more than one late fee in any 12-month period.
  • Your account is 30 or more days delinquent in any 12-month period.
  • You make a payment that’s not honored by your bank.
  • If your account is high-risk, Fleetcor may change your payment terms, billing cycle, fees and credit limit. Additionally, it may charge a 2% fee per billing cycle, which it calls a Credit Risk Assessment.

Bottom line

This card may not be the best choice if your fleet buys less than 300 gallons of fuel each month. However, you’ll find competitive rebates the more gas you buy.

If you’re not sure a fleet card is right for you, consider a small-business gas card.

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