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Comdata Universal Fuel Plus Mastercard review

Kevin Joey Chen
Kevin Joey Chen
Last updated:  

You can earn fuel rebates, but beware of extensive fees.

  • Get this card if you want volume rebates and rewards at select maintenance merchants.
  • Pick something else if you don’t want to pay card or administrative fees.
  • Apply with a fair 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 NameComdata Universal Fuel Plus Mastercard
Card typeMastercard
Annual feeUp to $120
Purchase APR28.99% variable
Balance transfer APRN/A
Late payment fee$150
Late payment fee conditions10.99% or $150, whichever is greater
Returned payment feeUp to $50

Expert review

Kevin Joey Chen

Review by

Kevin Joey Chen is a credit cards, banking and investments writer whose work and analysis have appeared on CNN, U.S. News & World Report, Lifehacker and CreditCards.com. 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

This is an open-loop card you can use everywhere Mastercard is accepted. Starting at 1,999 monthly gallons of fuel purchased, you’ll earn volume rebates between $0.005 and $0.03. However, watch out for potentially steep program administration fees of up to 10 cents per gallon and a card fee of up to $10 per card per month, which can easily wipe out your savings.

As a limited-time offer, you can save 6 cents per gallon on 3,000 monthly gallons of fuel on top of the base rebates. To take advantage of this promotion, set up your account by the end of 2019.

Card benefits

  • Earn up to 6 cents per gallon in rebates.
    Earn up to 3 cents per gallon at stations in the Retail Savings Network. Also, earn up to 3 cents per gallon depending on the volume of fuel you purchase. In total, you could earn up to 6 cents per gallon in rebates.

    The card’s volume rebates aren’t particularly strong, as you have to purchase a large amount of fuel to get the top rebate. Meanwhile, other cards might offer up to a 6-cent-per-gallon rebate for around 10,000 monthly gallons purchased.

Monthly gallons of fuel purchasedRebate
0 to 1,999$0.005
2000 to 4,999$0.01
5,000 to 9,999$0.015
10,000 to 19,999$0.02
20,000 to 29,999$0.025
30,000 or more$0.03
  • Save at Tires Plus and Firestone.
    You’ll save 5% when you make purchases at these locations, courtesy of the Mastercard Easy Savings Network.
  • Make maintenance and fuel purchases.
    This is an open-loop card, so you can use it virtually anywhere that accepts credit cards. There are around 160,000 Comdata fuel locations and around 400,000 Comdata maintenance locations.
  • Monitor spending.
    You can view transaction details online and manage your card account. With purchase controls, you can limit card spending to certain types of purchases.

What to watch out for

  • Not all purchases earn rebates or rewards.
    Aviation, natural gas, bulk fuel and propane purchases don’t qualify for rebates. Purchases at some non-qualifying merchants are also ineligible. Volume rebates apply only at Level 3 sites. These are locations that allow Level 3 data processing — i.e., those that track detailed information such as vehicle IDs, driver IDs and odometer readings.
  • You may need to put down a security deposit.
    After evaluating your account, Fleetcor may ask you to provide funds for a security deposit. In this case, your spend limit will be 80% of your deposit.
  • High interest.
    Carrying a balance on this card comes with an APR of 28.99% variable.

    When will my account be considered high-risk?

    Your account may be designated as high-risk if:

    • You have a commercial credit score below 520.
    • You have a personal credit score below 660.
    • You’ve received more than one late fee in any 12-month rolling period.
    • You’re 30 or more days late on payments in any 12-month rolling period.
    • Your bank doesn’t honor a payment you’ve made.

    Fleetcor may change your spend limit, payment days or billing cycle if you have a high-risk account. It may also add a fee of $5 per transaction you make or 2% of your account’s spend limit per billing cycle — whichever is greater.

    • Fees.
      Administrative fees of 10 cents per gallon can eat into your rewards, as can monthly fees of up to $10 per card per month.In the table below, you’ll find several other card fees.
    FeeAmount
    Minimum program administration feeUp to 10 cents per gallon.
    Monthly card feeUp to $10 per card per month.
    Late fee10.99% or $150, whichever is greater
    High-risk account feeUp to $5 per card transaction or 2% of your account’s spend limit per billing cycle, whichever is greater
    Minimum program administration feeUp to 10 cents per gallon.
    Optional fleet management reportsUp to $15 per report, or up to $100 per quarter.
    Non-standard payment options
    • One-time setup fee up to $50.
    • Bank handling fee of up to $5 per debit.
    • Up to $50 per client-initiated ACH/wire payment, or for checks sent to addresses other than the one listed on invoices.
    • Up to $25 for paying through Interactive Voice Response (IVR) or by calling a customer service representative
    Returned check feeUp to $50 per returned payment.
    Tax reclamation processing fee 1% of the retail purchase amount or $10, whichever is greater. Maximum of $100 per billing cycle.
    CDN Direct Network transaction fee Up to $5 per transaction.
    Mastercard currency conversion conversion assessment fee/cross-border fee
    • 0.2% of the purchase amount.
    • May include an additional 0.9% fee.
    Expedited card delivery
    • Fees determined by Fleetcor.
    • Same-day plastic embossing: $25 per card plus additional shipping and handling fees.

    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 9 billing cycles (then 13.74% to 24.74% variable)
    $0
    Earn $200 cash back after you spend $1,000 on purchases in the first 90 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 Comdata Universal Fuel Plus Mastercard

    1. Navigate to the Fuelman website and click Apply now.
    2. Fill out the form with your business contact information, number of vehicles, business annual income and more.
    3. Review your information and submit your application.

    What credit score do I need?

    A fair credit score of 580 may be sufficient to be approved for this card. Take stock of your and your company’s financial condition before applying. Approval is never guaranteed, but you have higher odds with a high credit score.

    Bottom line

    This card is hampered by extensive fees and high interest. However, you’ll find solid fuel rebates and attractive rewards at select maintenance merchants.

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

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