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Fuelman Public Sector Fleet Card review

This card’s solid rebates are hampered by its steep, numerous fees.

  • Get this card if you run a government fleet and want to file taxes more easily.
  • Pick something else if you want to keep costs low.
  • Apply with a fair credit score of 580 or higher.

1¢ to 5¢ off per gallon based on monthly gallons purchased

Rewards

Up to $120

Annual fee

32% fixed

Purchase APR

580

Minimum Credit Score

Details

Annual feeUp to $120
Rewards1¢ to 5¢ off per gallon based on monthly gallons purchased
Purchase APR32% fixed
Balance transfer APRN/A
Minimum Credit Score580
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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

The Fuelman Public Sector Fleet Card is for government fleet managers who want to control costs and file taxes more easily. The card can be easily used within the Fuelman network of gas stations and maintenance brands, and comes with tools to limit spending on your cards. It also has an easy way to view itemized transaction details.

While you can earn fairly competitive volume discounts, these rebates can easily be wiped out by potentially high card costs. The card has a phenomenally large number of fees. You may pay a program administration fee of up to 10 cents per gallon or $2 per transaction for example, fees of 10 cents per gallon or $3 per transaction for purchasing gas outside of approved sites, a $120 annual fee per card, fees for being a “high risk” account and more. These fees — plus a bevy of other costs — hamper what’s otherwise a card with solid earnings. As such, it’s tough to recommend the Fuelman Public Sector Fleet Card to most fleet managers. And if you’re still interested, read the fine print very, very carefully.

How to apply for the Fuelman Public Sector Fleet Card

  1. Select Apply now.
  2. Complete the application with details like your name, business name, business contact information and annual income.
  3. Review your application and submit it.

What credit score do I need?

You may be approved with a fair to excellent credit score of at least 580, though approval is never guaranteed. Keep in mind Fuelman will deem your account high-risk if your commercial credit score is below 530 or your personal credit score is below 670.

Fuelman Public Sector Fleet Card drawbacks

  • Cap on rebates for volume discounts. Each month, you can get a rebate on a maximum of 14,000 gallons of fuel.
  • Fees. While we hesitate to call these fees predatory, there are an incredible number of fees that can cut into your rewards. These include an administration fee and card fee, which Fleetcard will assess at its own discretion. Even if you earned volume discounts, the card’s administration fee could very well put you in the red overall. Fuelman may also assess a fee of $10 per card per month, which many other fleet-card providers don’t charge.
FeePurpose/When it appliesAmount
Minimum program administration feeFleetcard charges this as a service fee for:
  • Collecting transactions.
  • Maintaining a database of card numbers, drivers, vehicles and purchase control data.
Up to 10 cents per gallon or $2 per transaction.
Late feeFailing to make the required payment by the due date.12.25% of the new balance, with a minimum of $75.
Special network pricingUsing your card at certain sites or merchants.10 cents per gallon or $3 per transaction, whichever is greater.
Exception handling feeSending a payment to an address besides the address displayed on the credit card statement.$50
Pay-by-phone feeMaking a payment by calling Fuelman.
  • $15 per payment through Interactive Voice Response.
  • $25 per payment through a customer service representative
Credit card convenience feeMaking a payment via credit card.Up to 3% of the payment amount.
Bank debit feesMaking a payment 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 feeFor making an EFT, ACH or wire payment.Up to $50 per payment.
Returned payment feeMaking a payment that is returned or denied.$50 or the maximum allowed by law, whichever is greater.
Report delivery feeFor receiving statements and fleet management reports by mail.Up to $10 per report.
Optional report delivery feeFor receiving optional fleet management reports.Up to $15 per report or up to $100 per quarter.
Tax-exempt processing and reporting feeFor purchasing Fuelman fuel tax-free at the point of sale.1% of the total purchases.

Fuelman Public Sector Fleet Card benefits

  • Immediate tax savings. Receive your tax exemptions as you’re billed instead of at rebate filing. Keep in mind that tax-exempt processing may come with a 1% fee.
  • Tools to control and monitor spending. Limit card purchases to fuel or maintenance only, and set purchase limits by date, time and gallons. Get access to online account management tools and reports with itemized transaction details. Also, get billed with consolidated statements. Get real-time email alerts for purchase exceptions, which helps you cut down on fraud. You can also view transactions as they’re made, at both gas stations and onsite fueling areas.
  • Access to thousands of locations. There are thousands of brands in the Fuelman network, including gas stations and maintenance locations. You’ll find both major and independent brands.
  • Up to 5 cents per gallon in rebates based on fuel purchase volume. Get fairly competitive volume discounts. You can get a 1-cent-per-gallon rebate even when you buy under 300 gallons a month, which some cards don’t match. Meanwhile, the minimum threshold for the 5-cent-per gallon rebate is relatively low, at 3,001 monthly gallons purchased. Typically, you have to buy between 7,000 and 10,000 gallons of fuel in a month to get this rate.

    Note that fees dampen the card’s value. Fuelman may charge an administration fee of up to 10 cents per gallon or $2 per transaction. This can outweigh the rebate benefit.

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

Which brands are in the Fuelman network?

Check the Fuelman website to verify whether a location near you accepts your card. Here are a few of the major companies listed on the Fuelman website:

  • 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

How do the Fuelman Public Sector Fleet Card‘s rebates stack up to those of other cards?

Click on the tabs below to see the rebates you’ll earn with other cards, as well as the required fuel volume.

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

Compare other business cards for gas rewards

If you’re not in command of a fleet and just want simple reward on your business expenses, these cards are a good alternative for gas rewards.

Name Product Rewards Purchase APR Annual fee
Sam's Club® Business Mastercard®
Up to 5% at Sam's Club with Plus membership, 5% cash back on gas (on up to $6,000 annually, then 1%), 3% on dining and 1% on all other purchases
14.9% to 22.9% variable
$0
Earn up to 5% at Sam's Club with Plus membership, 5% cash back on gas (on up to $6,000 annually, then 1%), 3% on dining and 1% on all other purchases. No personal guarantee required.
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
$750 bonus cash back after you spend $7,500 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.
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Bottom line

The Fuelman Public Sector Fleet Card offers competitive volume discounts — and at relatively low minimums. However, the card’s excessive fees make actually earning rewards on your gas purchases a tough proposition. Tread carefully and review the fine print before making the leap on this card.

Consider other fleet cards based on rebates and fees, or compare small-business gas cards.

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