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Fuelman Advantage Fleet Card review

Kevin Joey Chen
Kevin Joey Chen
Last updated:  

A versatile fleet card, but one with high fees.

  • 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.

Up to 5

Cents off a gallon

Up to $120

Annual fee

32%

Purchase APR (fixed)

580

Recommended credit score

Details

Product NameFuelman Advantage Fleet Card
Card typeStore card
Annual feeUp to $120
Purchase APR32% fixed
Balance transfer APRN/A
Late payment feeFrom $75
Late payment fee conditions$75 or 12.25% of balance, 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 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 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.

Card benefits

  • 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 purchasedRebate per gallon
0 to 3001 cent
301 to 6002 cents
601 to 1,2003 cents
1,201 to 3,0004 cents
3,001 to 14,0005 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 cycleRebate per gallon
0 to 299.990 cents
300 to 3,499.993 cents
3,500 to 7,999.994 cents
8,000 to 9,999.995 cents
10,000 or more6 cents

ExxonMobil Business Fleet card

Gallons purchased per billing periodRebate per gallon
Under 5001 cent
500 to 3,9993 cents
4,000 to 6,9994 cents
7,000 to 9,9995 cents
10,000 or more6 cents

BP Business Solutions Universal Fuel Program

Gallons purchased per monthRebate per gallon
0 to 2990 cents
300 to 2,9993.5 cents
3,000 to 7,9994 cents
8,000 to 9,9995 cents
10,000 or more6 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:

  • AAMCO
  • Arco
  • BP
  • Chevron
  • Circle K
  • Conoco
  • Exxon
  • Firestone
  • Flying J
  • Jiffy Lube
  • Loves
  • Meineke
  • Midas
  • Murphy USA
  • Shell
  • Sinclair
  • Sunoco
  • TA
  • Texaco
  • Valero
  • Walmart

What to watch out for

  • Fees.
    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.
FeeWhen it appliesAmount
Minimum program administration feeA service fee assessed by Fuelman for:

  • Collecting transactions.
  • Maintaining a database of drivers, card numbers, purchase control data and vehicles.
Up to 10 cents per gallon or $2 per transaction.
Card feeA fee for your business to use the card account.Up to $10 per card per month.
Late feeNot making the required payment by the due date.75% of the new balance, with a minimum of $75.
Special network pricingUsing your card at certain merchants or sites.10 cents per gallon or $3 per transaction, whichever is greater.
Exception handling feeSubmitting a payment to a different address than the one on your credit card statement.$50
Pay-by-phone feeCalling in to make a payment.
  • $15 per payment through Interactive Voice Response.
  • $25 per payment through a customer service representative.
Credit card convenience feePaying your bill via credit card.Up to 3% of the payment amount.
Bank debit feesPaying your bill via bank debit.
  • One-time setup fee of up to $50 per account.
  • Handling fee of up to $5 per debit.
Client-initiated EFT/ACH/wire feeMaking an ACH, EFT or wire payment.Up to $50 per payment.
Returned payment feeIf your payment is denied or returned.$50 or the maximum allowed by law, whichever is greater.
Report delivery feeGetting statements and fleet management reports in the mail.Up to $10 per report.
Optional report delivery feeIf you elect to receive optional fleet management reports.Up to $15 per report or up to $100 per quarter.
Tax-exempt processing and reporting feePurchasing 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.

How to apply for the Fuelman Advantage Fleet Card

  1. Go to the Fuelman website. Click Apply now.
  2. Fill out the application with your name, business name, business contact information, annual income and other details.
  3. 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.

Bottom line

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 small-business gas card.

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