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Fuelman Diesel Platinum Fleet Card review

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Strong volume rebates are overshadowed by steep fees.

  • Get this card if you want rebates on diesel fuel.
  • Pick something else if you don’t want to pay administrative or card fees.
  • Apply with a fair credit score of 580 or higher.

Up to 8

Cents off a gallon

Up to $120

Annual fee

32%

Purchase APR (variable)

580

Recommended credit score

Details

Product NameFuelman Diesel Platinum Fleet Card
Card typeStore 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 Platinum Fleet Card is a closed-loop card that’s valid within the Fuelman network, which includes Exxon, Shell, Valero and other locations. It offers purchase controls, detailed transaction reporting and rebates on diesel fuel purchased in the Fuelman Network. Based on your purchase volume, you can earn rebates of up to 8 cents per gallon.

Unfortunately, FLEETCOR — the card issuer — doesn’t disclose purchase minimums upfront for rebates. You’ll see these amounts only after you’re approved for the card. Furthermore, FLEETCOR may charge steep administrative fees of up to 10 cents per gallon or $2 per transaction. These can essentially erase what you’ll earn in rebates.

Card benefits

  • Rebates on diesel fuel.
    The more your purchase, the higher your rebates. However, you won’t know you much you need to spend to get your rebates until after approval, and rebates come with other stipulations.
  • Card purchase controls.
    Set purchase limits by dollar amount, gallons, fuel and maintenance purchases only. You can also require vehicle IDs, drivers IDs and odometer readings before purchase.
  • Monitor transactions in real-time.
    Through the iFleet online dashboard, you can view transactions as they occur and manage your account.
  • Fraud monitoring.
    If there’s an unusual transaction on one of the fleet cards, you’ll receive an alert by text and email.

Which brands will I find in the Fuelman Network?

The following are a few major brands you’ll find in the Fuelman collection:

  • 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

  • Closed-loop card.
    This card is valid only within the Fuelman Network.
  • Certain purchases are ineligible for volume rebates.
    Aviation spending, international fuel purchases, bulk fuel and spending at some non-qualifying merchants won’t earn rebates.
  • Non-revolving account.
    You must pay your balance in full after each billing period or you’ll pay a late fee and interest at variable APR on your balance.
  • A security deposit may be required.
    If you have poor credit, Fleetcor may ask you to pay a security deposit. In this case, your credit line is 80% of your deposit.
  • Fees.
    This card has many fees that can cut into your rebates, including fees at 10 cents per gallon, or $2 per transaction, and $10 monthly per card.

    Associated card fees

    In the table below, you’ll find several other fees you might encounter with the card.

    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$75 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 purchases

    What is a high-risk account?

    If your account is high-risk, Fleetcor may add up to a 30-cent-per-gallon fee on the fuel you purchase. Your account may be deemed high-risk if:

    • Your commercial credit score is below 530.
    • Your personal credit score is below 670.
    • Within a three-month rolling period, your credit score decreases by 51 points or more.
    • Within a 12-month rolling period, you’ve incurred more than one late fee.
    • Within a 12-month rolling period, you’re more than 30 days late on payments.
    • Your bank doesn’t honor a payment you’ve made.

    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 Platinum Fleet Card

    1. Go to the Fuelman website. Then click Apply now.
    2. Enter personal and business details. These might include 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?

    If you have at least a fair credit score of 580, you may qualify for this card. Ultimately, approval decisions are up to Fleetcor, and you’ll increase your odds with a higher credit score.

    Bottom line

    This card’s volume rebates are impressive, but they’re overshadowed by a long list of fees. Most notably, the administrative fee of 10 cents per gallon or $2 per transaction could erase the discounts you get.

    If a fleet card doesn’t seem to be the right fit, try a small-business gas card.

    Frequently asked questions

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