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Comdata Universal Fuel Plus Mastercard review
Last updated:
Please note: This card has been discontinued, and it is not available on our site.
- 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.
Discontinued product
This card has been discontinued, and it is not available on our site. Compare other credit cards or take Finder's credit card quiz to find one that fits your needs.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 purchased | Rebate |
|---|---|
| 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 27.24% 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.
| Fee | Amount |
|---|---|
| Minimum program administration fee | Up to 10 cents per gallon. |
| Monthly card fee | Up to $10 per card per month. |
| Late fee | 10.99% or $150, whichever is greater |
| High-risk account fee | Up to $5 per card transaction or 2% of your account’s spend limit per billing cycle, whichever is greater |
| Minimum program administration fee | Up to 10 cents per gallon. |
| Optional fleet management reports | Up to $15 per report, or up to $100 per quarter. |
| Non-standard payment options |
|
| Returned check fee | Up 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 |
|
| Expedited card delivery |
|
How to apply for the Comdata Universal Fuel Plus Mastercard
- Navigate to the Fuelman website and click Apply now.
- Fill out the form with your business contact information, number of vehicles, business annual income and more.
- 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.
Compare other business cards for gas rewards
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 one of the best small-business gas cards.
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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.