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Hey: what's up YouTube Houston here, hey, let me ask you: should you get a fleet gas card, or should you get a regular gas card now? The reason that I'm asking is is because there's a lot of people out here that have those driving jobs right, you can be a medical carrier.
Uh, you can be a truck driver uh.
You can be delivering for like doordash, instacart and you're, trying to figure out what's the best gas card to get right, so understanding that there's a difference between the two.
So you have your Fleet gas cards.
Okay, so you have your Fleet gas cards and then you have your gas, your business gas cards, gas credit cards, which is your visa, and your MasterCard right now to think about it with your Fleet gas cards is that most of the time people want the fleet gas cards, because there's no PG right.
So then you have no uh PG.
That means that no personal guarantee no hard pull on the credit.
Okay, and also that people are trying to build up the uh business credit file.
So these are gas cards, usually would probably report to Dunn and Bradstreet okay, so they're trying to build up their Dunn and Bradstreet file as well.
Now the type of cards that actually allow you to do that to help you do that you have the um A to B uh business gas card.
Okay, so you have the A to B business gas card.
That's one of them uh! You can do it with no PG, no credit check and it reports to Dunn and Bradstreet okay and with some some um cards, you you multiple Fleet cards.
If you have multiple Fleet cards on your business credit file, they will tell you to shut it down, shut one down in order to get their card.
Okay, so just keep an eye out for that.
If some of you all have heard of this- or this has happened to you- put a comment below- if you think that this video is going to be beneficial to you- put the fire emojis, let me know that I'm doing a good job.
Now that being said, you have another uh Fleet gas card, and this is the most popular one.
Is the wax uh business gas card? Okay? Now here's the thing about the wax business gas card.
If you don't get the no PG? Okay, if you uh don't qualify for the no PG, then they will tell you you can do a secured all right.
So when you do a security, the minimum is usually about five hundred dollars all right and then I think after six months after six months, they uh give you your five hundred dollars back.
If you have good on time payment now, there's plenty of um gas stations around that use it.
So you have like your Chevron gas stations.
You have your Shell gas stations, you have your uh British Petroleum gas stations, your Arcos.
Now, at the same time, here's the problem, the fleet cards that don't have the Visa MasterCard logo you uh only can get like mostly gas.
Okay, you maybe can get food there or something like that like at a Flying J or something like that or whatever, but you can't really do much with it.
Beyond that right, so that's the reason that I'm asking a question: should you get the fleet gas card or the MasterCard, because, like even with the fleet gas card like some of them, will allow you to do maintenance on your cars, get tires and stuff like that, but not all of them.
They all have some type of restriction and another thing about it.
With the fleet gas cards um, they do uh end up charging an extra fee as well.
Okay, so they may have an extra fee attached to it.
So I understand you want something to help build up your done and Brad street file and stuff like that, but uh.
Some of these fleet cars may have hidden fees that you need to know about now in terms of trying to build up your business credit file say that you trying to expand your business say that you um have a trucking business or carry your business or you may even have a food truck right, and so you need uh, more supplies and stuff.
So a fleet gas card ain't gonna get that you're gonna need a Visa or a MasterCard to get that right with those type of cards, it'll be more challenging.
There's one other fleet card that you can probably look into um and it's Coast Coastal pay all right.
It's it's a fleet card, it's a VISA fleet card to my understanding, all right, so you have a couple of uh gas cards that you can actually get, that a fleet car, no PG, all right and it may report on your business credit file.
But again, if you are trying to build up your business credit for funding, okay- and you still want a a gas card, then you may want to look at the gas cards that have the Visa MasterCard logo.
Like you have the um BP MasterCard, then you have the r code uh MasterCard, so those are the type of cards that you want to actually look at, because you're able to use them more.
Okay, you're able to buy socks underwear, especially if you a person that drives a lot, especially over the road or something like that.
You may need other things that a fleet card won't cover all right now in terms of helping you build up your business credit, one of the things that I uh continue to find most people.
They may not have the right Bank, that's right.
Most people may not have the right bank, they may have a Community Bank.
They may have a credit union for their business bank, but those type of banks are not reporting to the business credit bureau.
Okay, so you want banks that actually report to the business credit bureau like say, Amex, all right so MX they have the uh business credit cards and with their business credit cards you can get those and still purchase gas and stuff.
As a matter of fact, you build up points much faster to utilize for hotels and travel and stuff like that, but the AmEx business credit cards, like your platinum, your gold uh, your blue, those type of business credit cards, plus they have the uh.
When you wear Amex- and you have your business for at least a year, they have your cabinets line of credit right because you you're trying to build up your business credit.
So you can get more money to grow your business all right.
That's the reason that I'm making it so you can understand why the fleet card may not be as beneficial as these other type of cards.
Now, just giving you some data points Amex at a pool, you're Experian and Transunion FICO FICO 8 right so, but if you have one account with Amex all right, they may, instead of them doing a hard inquiry to give you another card.
They may just do an internal uh pull to see.
What's going on to get you qualified for other credit cards all right, so that's a card that you can help avoid that hard pull.
Now they report to the Small, Business Financial exchange and then that information goes over to Dunn and Bradstreet.
Okay and sometimes it's shared with Experian business credit file as well.
You have other banks that I would tell you to consider in the top three that I, like like I, said with me: you Chase Bank, okay, with Chase Bank.
They report to four uh credit bureaus all right, so you have Experian.
Excuse me I'm right here you have Experian Small Business Financial exchange uh, you have Equifax and you it shared with uh, Dunn and Bradstreet Dunn and Bradstreet picks that information up from Small Business Financial exchange.
Okay, then you have a Citibank.
Your bank is the same way.
Okay, you want banks that are actually uh want to report all your banking activity, so it builds up your business bank ratings so that you can get funding now with Citibank.
Again it mirrors a Chase bank with experienced Small Business Financial exchange, uh, Equifax and DMV right.
So then the another one is capital one.
Okay, now the Capital One.
They are done in brass Street, yeah, DMB, um, Small, Business, Financial exchange and experience okay.
So they don't.
They don't report to uh Equifax right if I have a low credit score and I need a a gas card.
I would probably go for these type of cards here, because I can do more with it.
As a matter of fact, the uh Capital One spark business card, the gold card that one you only need a 580.
credit score right.
You only need a 580 credit score to get that, so that card would be more beneficial than getting a fleet card with no PG okay, because this here will report to more uh business credit files.
Now, as also your core pay, okay, now with your core pay all right, they they do a hard pull.
They do a heart pull, but it's Experian, uh 508! All you need is a 600 credit score 600 credit score for that, and they report to the major credit bureaus as well.
So they report to um experience, Equifax uh DMV right.
So this is the reason why I was asking: should you get a fleet gas card, or should you get a regular gas card even like with these here like they may be easier to get all right, but you I? If I, would you I would make sure that I have one of these banks? For my business so that I have more data uh, showing up on my business credit file to help build up the business credit file all right.
So if you have questions about business, credit funding, personal credit, funding, click, the link in the description schedule, one-on-one consultation.
The easiest business gas credit card to get is likely a secured credit card, student card, or a fuel card that's issued in a partnership between a card issuer and a gas station brand. These types of cards typically have lower credit score requirements, but could still offer rewards for gas purchases.What is the easiest business gas card to get? ›
The easiest business gas credit card to get is likely a secured credit card, student card, or a fuel card that's issued in a partnership between a card issuer and a gas station brand. These types of cards typically have lower credit score requirements, but could still offer rewards for gas purchases.What is the easiest fleet fuel card to get? ›
What is the easiest fleet fuel card to get? One of the easiest fleet fuel cards to get is the card from AtoB. The provider doesn't require a business credit score or personal guarantee.Can I get a gas card with a 550 credit score? ›
This means at least fair credit is required for approval. If you have fair credit, you may qualify for gas cards from specific stations such as the Phillips 66 Credit Card or the ExxonMobil Gas Card. These can only be used to make purchases at the affiliated gas stations. Good credit or better (a score of 700+)...What credit score is needed for a gas credit card? ›
What credit score do you need for a gas card? You'll need a 640 credit score or higher for most gas cards. This means at least fair credit is required for approval. If you have fair credit, you may qualify for gas cards from specific stations such as the Phillips 66 Credit Card or the ExxonMobil Gas Card.What credit score do you need for the Exxon gas card? ›
What you should know before applying for the ExxonMobil Gas Card: You need to have fair credit or better (a credit score of 640+) to get approved for the ExxonMobil Gas Card. Also, remember that an application will result in a hard pull on your credit, lowering your score for a short period of time.Is there a universal gas card? ›
Yes, there is a universal gas card, the 76® Universal Card, which can be used at 95% of U.S. gas stations and offers up to 7 cents off per gallon at 76, Conoco, and Phillips 66 stations.What credit score do you need to get a farm and fleet credit card? ›
If you're looking to apply, we recommend at least a 630 credit score. If you're not sure what your Credit Score is, apply for a report, here.What is an easy pay gas card? ›
Swipe, Pay & Save
Every time you make a purchase with EZ Pay, you'll save up to 10¢ per gallon at the pump. EZ Pay is linked to your checking account offering you a convenient way to pay without affecting your credit. Enrollment is easy – just link your EZ Pay card to your checking account and start saving!
The Chevron gas card requires “Fair” credit for approval, which generally means a score of at least 620. However, a fair credit score won't always be sufficient. There are other variables that may play a role in the decision, such as your income and debt obligations.
What credit score do you need for a gas card? You'll need a 640 credit score or higher for most gas cards. This means at least fair credit is required for approval. If you have fair credit, you may qualify for gas cards from specific stations such as the Phillips 66 Credit Card or the ExxonMobil Gas Card.What is the lowest score you can get a credit card with? ›
Most of the credit scores that lenders use in the United States, including most versions of the FICO Score, range from 300 to 850. Therefore, most financial professionals generally accept that 300 is the lowest credit score a consumer can have.Will a fuel card help my business credit score? ›
The answer is yes. Because gas credit cards report your activity and payment history to the three major consumer credit bureaus — Equifax, Experian, and TransUnion — using one can be a good way to help you establish credit when you're starting out on your credit journey.Why get a business gas card? ›
Most business fuel cards are connected to a specific fuel brand and offer more ways to save when you fuel at branded stations. This can be a real money saver if your drivers work in an area with many of the same brand stations.Is it a good idea to have a gas credit card? ›
Bottom Line. A gas credit card can save you some money on your gasoline purchases, and it may be easier to be approved for than a regular rewards card. However, a regular rewards card is usually an all-around better deal if you qualify for one.What credit score do you need for a Wawa gas card? ›
The easiest way to apply for the Wawa Credit Card is online but you can also do it by calling (800) 251-6781. The minimum credit score to qualify for this card is 640. That means you must have fair credit to get the Wawa Credit Card.What credit score is needed for a Citgo credit card? ›
|Citgo Credit Card||BankAmericard® credit card||Capital One SavorOne Cash Rewards Credit Card|
|Recommended Credit Score 630850average - excellent||Recommended Credit Score 690850good - excellent||Recommended Credit Score 690850good - excellent|
- Citi Premier® Card. [ jump to details ] ...
- Platinum Rewards Visa Signature® Card * [ jump to details ] ...
- Wyndham Rewards Earner® Card. [ jump to details ] ...
- Costco Anywhere Visa® Card by Citi * ...
- Amex EveryDay® Preferred Credit Card * ...
- United Gateway℠ Card. ...
- Wyndham Rewards Earner® Business Card *
How do gas credit cards work? There are two types of credit cards that could be considered gas credit cards. One type is issued by gas stations, and the other is a more general rewards card that offers bonus rewards for gas purchases.How do you get a gas card? ›
You can usually apply for a gas credit card at the gas station or online. With some cards, you may be able to choose a billing date that works for you.
Yes, Exxon Mobil Smart Card+ reports your account activity to the following credit reporting agencies: Equifax. Experian. Transunion.What is a gas card from the federal government? ›
SEA Card® Program
The SEA Card® Order Management System, known as SEA Card® Online, is an electronic order, receipt and invoice system that allows military services, U.S. Coast Guard and authorized federal agency vessels to purchase fuel from commercial ship refueling merchants at ports worldwide.
The choice for savings PLUS flexibility
This is the card for you. It's accepted at 95% of U.S. gas stations — and you save up to 7¢ a gallon at over 7,500 Phillips 66®, Conoco® and 76® locations. * It's also accepted at over 45,000 service locations.
- Walmart MoneyCard® Apply Now » 4.9/5.0. ...
- Brinks Prepaid Mastercard. Apply Now » ...
- Shell Refillable Card. Apply Now » ...
- Serve® American Express® Prepaid Debit Account. Apply Now » ...
- PayPal Prepaid Mastercard® Apply Now »
The Sportsman's Warehouse Credit Card credit score requirement is 700 or better. That means people with good credit or better have a shot at getting approved for the Sportsman's Warehouse Credit Card.What kind of credit score do you need to get a credit card from Tractor Supply? ›
The credit score needed for the Tractor Supply Company® Credit Card is 640, at a minimum.What credit card company does Tractor Supply use? ›
The Tractor Supply Company Credit Card is issued by Citigroup, which offers a personal and business credit card version of the card.Does easy pay approve everyone? ›
What are the minimum requirements for my customers to apply? To qualify, individuals must earn at least $750 per month and have a checking account that is in good standing and has been active (open) for at least 90 days.Is pay with GasBuddy a credit card? ›
The GasBuddy™ Mastercard® Credit Card can be used anywhere Mastercard is accepted, for everyday purchases, and is subject to credit approval. The Pay with GasBuddy card can be used to pay for gas at fueling stations nationwide -- it is accepted at 95% of them! -- and requires no credit check.How does Gridwise gas card work? ›
Once you receive your card, download the GasBuddy app and activate it. Use your Gridwise Gas card to pay for gas. It's accepted at 95% of stations nationwide. When you use your Gridwise Gas card, your payment will be deducted from your bank account, and your discount will be automatically applied.
Shell has two store-branded cards issued by Citibank: the Shell Fuel Rewards Card and the Shell Fuel Rewards Mastercard.What bank issues Valero gas card? ›
"Card" or "Cards" means the Valero Regular Credit Card(s), or Valero VIP Credit Card(s) issued to you by DSRM National Bank in connection with your Account.Does Circle K have a credit card? ›
By using this card in Circle K, you will not only enjoy OK Dollars but also earn AEON bonus points too, much better offer than any other credit cards. Accumulated OK Dollars can be used as cash and redeemed in Circle K. Visit Circle K every day and earn more iLIKE privileges.How easy is it to get a Chevron gas card? ›
The Chevron gas card requires “Fair” credit for approval, which generally means a score of at least 620. However, a fair credit score won't always be sufficient. There are other variables that may play a role in the decision, such as your income and debt obligations.How to get bp gas discount? ›
Download the BPme app, register for BPme Rewards, and add a payment card. Pull into a bp or Amoco station, then use the app to select your pump and pay. Instant 5¢ savings! Save on every gallon, every time you fill up with no minimum spend.Which card is easiest to get approved for? ›
- OpenSky® Plus Secured Visa® Credit Card. ...
- Capital One QuicksilverOne Cash Rewards Credit Card. ...
- Capital One SavorOne Student Cash Rewards Credit Card. ...
- Credit One Bank® NASCAR® Credit Card. ...
- Capital One Platinum Credit Card. ...
- Capital One Quicksilver Secured Cash Rewards Credit Card.
The Walmart Credit Card credit score requirement is 640 or higher, which means people with fair credit or better have a shot at getting approved for this card. The Walmart® Store Card also requires at least fair credit for approval.Can I get a credit card with a 524 credit score? ›
It is 176 points away from being a “good” credit score, which many people use as a benchmark, and 116 points from being “fair.” A 524 credit score won't knock any lenders' socks off, but it shouldn't completely prevent you from being approved for a credit card or loan, either.Do fleet cards build business credit? ›
Once you secure the fleet card, all that remains is to practice responsible use of credit (ie, pay on time) and you'll be well on your way, since your credit management is reported as commercial. That means a fleet card might offer a good way to start the journey toward building, or rebuilding, business credit.Do fleet cards build credit? ›
Fuel Cards are a great way to build credit
An obvious advantage to any line of credit is it helps businesses build credit history. Using a fleet card is one of the best ways to do so. You're going to spend money on fuel. Why not do it in a way that benefits your company, employees, budgeting and future?
Fleet cards are a type of payment card that allows businesses to manage expenses associated with the vehicles they own and operate. Fleet cards, also known as fuel cards, act just like charge cards and are provided by major oil and/or specialized credit companies.What is a net 30 gas card? ›
Net 30 calculations can vary based on the fuel card you've selected. For example, in some cases, net 30 means you have 30 days to pay from the date that the goods are delivered. In other cases, it means you have 30 days from your invoice date, which would mean 30 days from the end of your fuel card's billing cycle.Is WEX fleet a credit card? ›
WEX fuel cards are smarter than credit cards and safer than cash. With a WEX fuel card, you have access to discounts that can save you money at the pump plus additional savings on other business expenses. The savings go beyond the fuel pump when you use a WEX fleet fuel card.What is the gas advantage Mastercard? ›
Use the Gas Advantage Mastercard everywhere and let your everyday purchases drive down how much you pay for gas. The more you spend on the card, the higher your discount. So if you want to save more next month, just use the card more this month* - when you dine out, buy groceries or even pay your bills.What is gas credit? ›
The Fuel Tax Credit allows businesses to reduce their taxable income dollar for dollar based on using specific types of fuel costs. This credit is only available to some individuals, as it is limited to off-highway business use and a strictly defined selection of uses.How does a company gas card work? ›
How Do Company Fuel Cards Work for Employees? Company gas cards for employees operate similarly to any regular payment card. They're connected to the company's bank account and allow employees to pay for gas and other business driving expenses at specific, approved locations.Should I use fuel card or credit card? ›
Fuel cards are specifically designed for use at fueling stations and provide access to discounted fuel prices and other features that can help reduce costs associated with running a trucking operation. Credit cards offer more flexibility but have higher fees and interest rates.Can I get a gas card with my EIN number? ›
Another option is a corporate gas card or a fleet fuel card, which may allow your company to apply without a personal guarantee. For example, you can get the Shell Small Business Card with your EIN if your business takes in $1 million in revenue every year and has at least one year of business history.What minimum credit do you need for Chevron gas card? ›
The Chevron gas card requires “Fair” credit for approval, which generally means a score of at least 620. However, a fair credit score won't always be sufficient. There are other variables that may play a role in the decision, such as your income and debt obligations.What is the minimum credit score for a Wawa gas card? ›
The easiest way to apply for the Wawa Credit Card is online but you can also do it by calling (800) 251-6781. The minimum credit score to qualify for this card is 640. That means you must have fair credit to get the Wawa Credit Card.
- Step 1: Pick up an Easy Pay card. You can find Easy Pay cards at participating Circle K store.
- Step 2: Link the card to your checking account. Your Easy Pay card will act as a debit card for your checking account. ...
- Step 3: Start saving money in a safe & secure way!
Can I Get a Loan with Just My Business EIN? Yes, there are certain circumstances where a lender will not use your personal credit score, but only your EIN as a factor in lending to you. Note that they won't just use your EIN in isolation, as there are many factors that go into qualifying for a small business loan.How can I use my EIN to get credit? ›
How Do I Use My EIN Number To Apply for a Credit Card? Some credit card applications ask for an EIN by default, while others ask for a SSN. If you're applying for a credit card and the application asks for your SSN, you can usually substitute your EIN number without a problem.Can I get approved for a gas card? ›
The vast majority of gas-station branded credit cards will want you to have at least fair credit, which means a FICO credit score above 580, and applicants with scores above 650 will have the best approval odds.Is there a credit card for gas only? ›
There are two types of credit cards that could be considered gas credit cards. One type is issued by gas stations, and the other is a more general rewards card that offers bonus rewards for gas purchases.Does Shell gas have a credit card? ›
Shell | Fuel Rewards® Credit Card
After that, save 10¢/gallon* (up to 35 gallons*) every time you fill up! Savings applied instantly at the pump at participating Shell locations. Choose the card that's right for you!
How does the hold work? You pull up to the gas pump and swipe your payment card. A request for a predetermined amount, which may be more than the purchase amount, is sent to the credit card issuer. The pre-authorization hold can range from as little as $1 to more than $100.Do gas stations have a limit credit card purchases? ›
The credit card companies recommend that fuel stations set their authorization limits to the liability limit for the card brand. That way, the merchant is protected from any chargebacks. The merchant determines the amount of the authorization hold, but the customer's bank determines how long the hold stays on the card.What is Circle K easy pay for gas? ›
When you enroll in Easy Pay, you'll start saving 30 cents per gallon! Every time you fill your tank at Circle K, you'll see the price roll back 10 cents immediately at the pump. During the 60 day/100 gallon promotional period, you will see an additional savings of 20 cents per gallon reflected on your bank account.What is easy pay at Shell gas station? ›
The Shell app with EasyPay™ lets you conveniently and securely pay for your purchases and get rewarded from the comfort of your vehicle. Simply select your pump, your fueling amount, track your car wash passes (where available) and complete your payment – all that's left to do is get out and fuel.