Fuelman Advantage Fleet Card review
- Get this card if you want a versatile fleet card valid at thousands of fuel and maintenance locations.
- Pick something else if you don’t want to pay high fees.
- Apply with a fair credit score of 580 or higher.
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How to apply for the Fuelman Advantage Fleet Card
- Go to the Fuelman website. Click Apply now.
- Fill out the application with your name, business name, business contact information, annual income and other details.
- Review your application, then submit it.
What credit score do I need?
As is common with fuel cards, you may be approved with at least a fair credit score of 580. Always do your research and know that approval isn’t guaranteed.
If your personal credit score is below 670 or your commercial credit score is below 530, Fuelman may flag your card as high-risk. You may subsequently be charged more on fuel purchases.
- Volume rebates of up to 5 cents per gallon. You can earn 1 to 5 cents per gallon based on the volume of fuel you purchase monthly.
|Monthly gallons purchased||Rebate per gallon|
|0 to 300||1 cent|
|301 to 600||2 cents|
|601 to 1,200||3 cents|
|1,201 to 3,000||4 cents|
|3,001 to 14,000||5 cents|
How do the Fuelman Advantage Fleet Card rebates compare with competing cards?
To earn a rebate, Fuelman Advantage Fleet Card requires significantly less monthly fuel purchases than other fleet cards.
Here are the volume discounts you’d receive based on monthly fuel purchases using other fleet cards.
Shell Fleet Plus Card
|Gallons purchased per billing cycle||Rebate per gallon|
|0 to 299.99||0 cents|
|300 to 3,499.99||3 cents|
|3,500 to 7,999.99||4 cents|
|8,000 to 9,999.99||5 cents|
|10,000 or more||6 cents|
ExxonMobil Business Fleet card
|Gallons purchased per billing period||Rebate per gallon|
|Under 500||1 cent|
|500 to 3,999||3 cents|
|4,000 to 6,999||4 cents|
|7,000 to 9,999||5 cents|
|10,000 or more||6 cents|
BP Business Solutions Universal Fuel Program
|Gallons purchased per month||Rebate per gallon|
|0 to 299||0 cents|
|300 to 2,999||3.5 cents|
|3,000 to 7,999||4 cents|
|8,000 to 9,999||5 cents|
|10,000 or more||6 cents|
- Tools to control and monitor spending.
You can limit purchases by date, time and gallons. Receive text and email alerts in real time when unusual transactions are made with any card under your account. You can also see transaction details as purchases are made.
- Access to thousands of brands within the Fuelman network.
These include gas and maintenance locations from major and independent companies.
Which brands are in the Fuelman network?
Verify on the Fuelman website to be sure a location accepts your Fuelman Advantage Fleet Card. Here are just a few major brands you can use:
- Circle K
- Flying J
- Jiffy Lube
- Murphy USA
What to watch out for
This card has many fees, but there are two in particular you’ll want to pay special attention to: the administration fee and card fee. You can find other fleet cards without these fees.You can avoid getting stung by the card’s other fees by doing such things as never submitting a late fee, paying by check and protecting your credit from big swings.
|Fee||When it applies||Amount|
|Minimum program administration fee||A service fee assessed by Fuelman for:||Up to 10 cents per gallon or $2 per transaction.|
|Card fee||A fee for your business to use the card account.||Up to $10 per card per month.|
|Late fee||Not making the required payment by the due date.||75% of the new balance, with a minimum of $75.|
|Special network pricing||Using your card at certain merchants or sites.||10 cents per gallon or $3 per transaction, whichever is greater.|
|Exception handling fee||Submitting a payment to a different address than the one on your credit card statement.||$50|
|Pay-by-phone fee||Calling in to make a payment.|
|Credit card convenience fee||Paying your bill via credit card.||Up to 3% of the payment amount.|
|Bank debit fees||Paying your bill via bank debit.|
|Client-initiated EFT/ACH/wire fee||Making an ACH, EFT or wire payment.||Up to $50 per payment.|
|Returned payment fee||If your payment is denied or returned.||$50 or the maximum allowed by law, whichever is greater.|
|Report delivery fee||Getting statements and fleet management reports in the mail.||Up to $10 per report.|
|Optional report delivery fee||If you elect to receive optional fleet management reports.||Up to $15 per report or up to $100 per quarter.|
|Tax-exempt processing and reporting fee||Purchasing tax-free Fuelman fuel at the point of sale.||1% of the total purchases.|
- Your monthly volume discount is capped.
Each month, the maximum volume of fuel you can receive rebates on is 14,000 gallons.
- More expensive gas for high-risk accounts.
Fuelman may deem your account high-risk. If so, you may pay an additional 30 cents per gallon on fuel purchases.
What does Fuelman consider a high-risk account?
Fuelman will evaluate your account based on your payment history and credit score. It may see your account as high-risk if:
- You have a commercial credit score below 530.
- You have a personal credit score below 670.
- Your credit score has a 51-point drop or more within a three-month rolling period.
- You’ve received more than one late fee within a 12-month rolling period.
- You’re 30 or more days late on your payments within a 12-month rolling period.
- Your bank doesn’t honor your payment.
- A security deposit may be required.
Fuelman may ask you to put down a security deposit — or what it calls a Reserve Amount — if your account is deemed high risk. If so, this will be up to 80% of your credit line. Fuelman may draw from this deposit if you fail to pay your card bill.
- You won’t earn fuel rebates on all purchases.
Aviation purchases, bulk or international fuel and spending at non-qualifying locations are ineligible for rebates. You also won’t receive rebates at The Convenience Network brands such as Arco, Loves, Walmart, Sam’s Club, Chevron/Texaco and Sinclair.
Lastly, you won’t be able to earn rebates if your account has violated payment terms in the card’s terms and conditions.
Compare business credit cards with gas rewards
The Fuelman Advantage Fleet Card offers competitive volume discounts. However, watch out for the administration fee and card fee, which can cut into your earnings.
If you don’t think a fleet card is right for you, consider a market-leading small-business gas card.
Frequently asked questions
Kevin Joey Chen was a credit cards, banking and investments writer for Finder. His work and analysis have appeared on CNN, U.S. News & World Report, Business.com, Lifehacker and CreditCards.com.
The Fuelman Advantage Fleet Card, issued by Fuelman, is for fleet managers who want to save at retail fuel locations. While it offers competitive discounts and rebates, it’s weighed down by high fees. These include a minimum program administration fee of up to 10 cents per gallon or $2 per transaction, as well as a monthly card fee of up to $10 per card. Such costs and other fees can easily wipe out your rebates.
In light of the fees, the standout features of the card may be its versatility and monitoring tools for fleet managers. You can use the card at thousands of locations, including fuel and maintenance brands. And with purchase controls and detailed reporting, you can cut down on wasted spend and create more precise budgets.