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Fuelman Diesel Advantage Fleet Card review

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You can earn impressive rebates, but beware of high fees.

  • Get this card if your fleet spends big on diesel.
  • Pick something else if you don’t want to pay high administrative and card fees.
  • Apply with a fair credit score of 580 or higher.

4

Cents off a gallon as welcome offer

Up to 15

Cents off a gallon

Up to $120

Annual fee

32%

Purchase APR (variable)

Details

Product NameFuelman Diesel Advantage Fleet Card
Annual feeUp to $120
Purchase APR32% variable
Balance transfer APRN/A
Late payment fee$75
Late payment fee conditions12.25% or $75, 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 Diesel Advantage Fleet Card is a closed-loop card that lets your fleet make fuel and maintenance purchases within the Fuelman Network. It also lets you set purchase controls and download detailed transaction reports. Unfortunately, the card is weighed down by a high 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.

This card is designed for fleets that spend heavily on diesel, as you can save big per gallon in volume rebates — up to 15 cents per gallon. Note, however, that you’ll know your fuel minimums only after you’re approved for the card.

Card benefits

  • Earn rebates by purchasing diesel fuel in volume.
    You’ll earn a rebate of at least 4 cents a gallon on all diesel for the first 12 months. You may earn more — up to an advertised 15 cents a gallon — but you won’t know minimum purchase requirements until after card approval. After your first year as a cardmember, Fleetcor re-evaluates your account and rebate rate.
  • Card purchase controls.
    Limit your employee’s purchases by gallons, dollar amount, merchant category codes, time or day of the week, or for fuel and maintenance purchases only. You can also employ confirmation of driver and vehicle ID and odometer reading.
  • Fraud monitoring.
    You’ll receive text and email alerts for unusual transactions. Through your online dashboard, you can monitor purchase activity in real-time.

Which brands are in the Fuelman Network?

The Fuelman Network consists of many brands. Here are a few:

  • 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

  • Not all purchases qualify for rebates.
    You won’t earn rebates on international fuel purchases, bulk fuel, flights and spending at some merchants.
  • Not a revolving account.
    If you don’t pay your entire balance after each billing cycle, Fleetcor charges a late fee and you’ll accrue interest at a 32% variable APR.
  • A security deposit may be required. Depending on your credit, Fleetcor could require you to pay a security deposit, or reserve amount. This gives your a credit line that’s 80% of your deposit.

Associated card fees

FeeAmount
Minimum program administration feeUp to 10 cents per gallon or $2 per transaction
Card feeUp to $10 per card per month
Special network pricingUp to 10 cents per gallon or $3 per transaction, whichever is greater
High-risk (“Level 2”) pricingUp to 30 cents per gallon purchased
Exception handling fee$50
Pay-by-phone fee
  • $15 per payment through Interactive Voice Response
  • $25 per payment through customer service representative
Credit card convenience feeUp to 3% of the payment amount.
Bank debit fees
  • One-time setup fee of up to $50 per account
  • Handling fee of up to $5 per debit
ACH/wire/check feeUp to $50 per payment
Late fee12.25% or $75, whichever is greater
Returned payment fee$50 or the maximum allowed by law, whichever is greater
Report delivery feeUp to $10 per report
Optional report delivery feeUp to $15 per report or up to $100 per quarter
Tax-exempt processing and reporting fee1% of the total purchase amount

How does Fleetcor determines my account is high-risk?

You could pay an extra 30-cent-per-gallon fee if your account is high-risk. Fleetcor determines you high-risk if:

  • You have a commercial credit score below 530.
  • You have a personal credit score below 670.
  • Your credit score decreases by 51 or more points within a three-month rolling period.
  • You’ve had more than one late fee within a 12-month rolling period.
  • You’re more than 30 days late on payments within a 12-month rolling period.
  • You make a payment and your bank doesn’t honor it.

Compare other business cards for gas rewards

Name Product Rewards Purchase APR Annual fee
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
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
3% cash back on gas, cell phone services, and office supply stores and 1% back on all other purchases
0% intro for the first 15 billing cycles (then 13.99% to 24.99% variable)
$0
Earn $500 cash back after you spend $4,500 on purchases in the first 150 days from account opening. Rates & Fees
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.
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

Compare up to 4 providers

How to apply for the Fuelman Diesel Advantage Fleet Card

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

What credit score do I need?

You may qualify for this card with at least a fair credit score of 580 or higher. Fleetcor considers other factors and ultimately decides on your approval and APR.

Bottom line

This card offers an impressive max rebate of 15 cents per gallon on diesel. However, Fleetcor charges administrative and card fees, which can severely cut into your savings.

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

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