We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Public Sector Fleetcard review

Last updated:  

This card’s solid rebates can be hampered by its steep 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.

Up to 5

Cents off a gallon

Up to $120

Annual fee

32%

Purchase APR (fixed)

580

Recommended credit score

Details

Product NamePublic Sector Fleetcard
Annual feeUp to $120
Purchase APR32% fixed
Balance transfer APRN/A
Late payment fee$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 Public Sector Fleetcard 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. You may pay a program administration fee of up to 10 cents per gallon or $2 per transaction. Additionally, beware of using your card outside approved sites, which could carry fees of 10 cents per gallon or $3 per transaction. These fees — plus a bevy of other costs — hamper what’s otherwise a solid card.

Card benefits

  • 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.

    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

How do the Public Sector Fleetcard’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 monthRRebate 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
  • 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.

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

What to watch out for

  • Fees.
    There are a few fees you’ll want to watch out for in particular. 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 would 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.

    That said, you can avoid most of the card’s other fees by doing such things as paying on time, submitting payments by check and avoiding big drops in your credit score.

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.
  • Cap on rebates for volume discounts.
    Each month, you can get a rebate on a maximum of 14,000 gallons of fuel.
  • Higher costs for high-risk accounts.
    If Fuelman deems your account to be high-risk, it may add an additional charge on each purchase of up to 30 cents per gallon.

When is my account considered high risk?

Fuelman determines account risk based on your credit score and payment history. It may classify your account as high risk if:

  • Your commercial credit score is below 530.
  • Your personal credit score is below 670.
  • Your credit score drops by 51 or more points in a three-month rolling period.
  • You have more than one late fee in a 12-month rolling period.
  • You’re more than 30 days late on payments in a 12-month rolling period.
  • You make a payment that’s not honored by your bank.

Compare other business cards for gas rewards

Name Product Rewards Purchase APR Annual fee
American Express® Blue Business Cash Card
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
American Express® Business Gold Card
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
U.S. Bank Business Cash Rewards World Elite™ Mastercard®
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
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 14.74% to 20.74% variable)
$0
$500 bonus cash back after you spend $3,000 in the first 3 months.
The Hilton Honors American Express Business Card
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 Public Sector Fleetcard

  1. Go to the Fuelman website and click the Apply now button.
  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.

Bottom line

The Public Sector Fleetcard offers competitive volume discounts — and at relatively low minimums. However, you may find yourself in the red overall due to administration and card fees.

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

Frequently asked questions

Ask an expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.
Go to site