Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

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 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 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.
    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.

    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.

    Compare other business cards for gas rewards

    Name Product Rewards Purchase APR Annual fee
    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 13.24% to 19.24% variable)
    $0
    $500 bonus cash back after you spend $3,000 in the first 3 months.
    Universal Premium Mastercard®
    3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network
    27.24% variable
    Up to $120
    Earn 3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network.
    BP Business Solutions Mastercard®
    Up to 6 cents per gallon on fuel and 3.5 cents per gallon on diesel depending on number of gallons purchased per month
    27.24% variable
    Up to $120
    Up to 6 cents per gallon on fuel and 3.5 cents per gallon on diesel depending on number of gallons purchased per month.
    ARCO Business Solutions Fuel Card
    18.24% to 27.24% variable
    Up to $180
    The ARCO Business Solutions Fuel Card gives your drivers access to greater performance with high quality fuels at ARCO locations. The card provides fleet managers with detailed reporting and individual spending controls for each and every driver.
    Speedway SuperFleet Mastercard®
    Up to 5 cents per gallon off depending on purchase volume
    Rates and fees not available before applying
    See terms
    Earn rebates on gas and diesel at thousands of Speedway locations.
    loading

    Compare up to 4 providers

    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.

    Frequently asked questions

    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, 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

    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.

    Ask an expert

    You are about to post a question on finder.com:

    • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
    • finder.com is a financial comparison and information service, not a bank or product provider
    • We cannot provide you with personal advice or recommendations
    • Your answer might already be waiting – check previous questions below to see if yours has already been asked

    Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our finder.com Terms of Use and Privacy and Cookies Policy.
    Go to site