Written by Fernanda Alvarez Piñeiro Reviewed by Maïté Bouhali Updated on September 29, 2023 On this page Is it possible to get a fuel card without a credit check? Is it possible to get a fuel card with bad credit? Top ways to reduce your fuel expenses in 2023 Is invoice factoring a solution to a lack of credit? Expert Verdict FAQs Expand You may want to score bulk discounts on fuel with a small business fleet card – but you know your credit score isn't where it needs to be. Well, we're happy to share with you the best business fuel cards where no credit check is needed.While a less-than-perfect credit score is going to rope off some of the most generous fleet card offers, there are still plenty of appealing deals open to you.As a rule of thumb, major fleet card providers are looking for a FICO credit score of at least 580. If that's way off base for you, we can suggest some other options for managing fuel spend. We'll even throw in some fuel saving advice for you, as well. Is it possible to get a fuel card without a credit check?The short and sweet answer: yes. Although a lot of conventional fuel cards will put you through a credit check to assess how financially robust your business is, there are exceptions to this rule. One workaround is to choose from our recommended best prepaid fuel cards.What is a prepaid fuel card?A prepaid fuel card is loaded up with funds, either by top up online or on smartphone. In this way, a prepaid fleet fuel card acts more like a gift cardThese fuel cards need no credit check and will usually only require an ID verification before issuing. Just keep in mind that this isn’t necessarily a great option for companies that don’t have a lot of cash reserves available. This is because you’ll constantly need to top up your card to ensure that your business can carry on as usual.What are some examples of prepaid fuel cards?The Shell Refillable Fuel Card allows you to load up to $300 on it. You can check your balance or top up online at any time. The downside is you can only use it at Shell gas stations, so acceptance isn't as widespread as the WEX Fleet Card. Find out more about its pros and cons in our Shell fuel card review.An option better suited to smaller fleets with local routes is the ARCO PumpPASS. You load up between $10 and $100 per card, and pay at the pump (where accepted) or at the cash register.Which other fuel cards don't need credit checks?Business debit cards need no credit check. We recommend the Bento for Business debit card, as it lets you track fuel and maintenance expenses with a user-friendly dashboard. Another option is the Brinks' Business Expense debit card, which has a really wide acceptance network: anywhere you can pay with a Mastercard debit. ▶ Read more: How to Apply for a Gas Card Is it possible to get a fuel card with bad credit?Yes, there are plenty of good options for fleet fuel cards that you can get with a low credit score. While it's unlikely you'll be able to get your hands on the most popular WEX credit card options, certain providers will make adjustments to allow you access to credit.Fuel card vendors may ask you to put down a deposit, offer a guarantor or make bond payments.Deposit: this can be anything from 20% to 100% of your usual fuel spend, depending on the assessment the provider conducts on your credit. Once the deposit is in place, you’ll be able to buy fuel on credit and use your fuel card like you normally would. The downside is that you’ll need to estimate how much money your fleet spends on gas, which can be tricky with the constant fluctuation of fuel prices and the changing costs of repairs.Guarantor: instead of using the business’s credit as the base of the credit check, the fuel card provider makes its decision based on the guarantor’s credit.Bond Payments: this is a one-off payment that is equivalent to 50% of your monthly fuel limit. The bond payment is then kept safe in an external account, just like a rent deposit would be. The payment doesn’t come off your monthly payments unless your payments are long overdue. The bond payment is returned once there is sufficient improvement in your credit rating. ▶ Read more: How to Apply for a Gas Card Top ways to reduce your fuel expenses in 2023As experts in the fleet business, we're best placed to offer these money-saving tips.1. Grab some prepaid fuel cardsIf you're worried your drivers are routinely forgetting to turn in their expenses – or, worse, using business funds on personal expenses – prepaid fuel cards bring these problems to an end.Depending on which type you get, a prepaid gas card works like a debit card or gift card. That means nobody goes over defined spending limits (even “by mistake”). Funds can only purchase for vehicle-related goods and services at certain gas stations.2. Invest in vehicle tracking softwareFor fleets of at least 10 vehicles, you can scale your fuel savings with vehicle tracking software. You'll save fuel by optimizing your journeys, as some GPS systems have smart routing with AI.Fleet IoT (Internet of Things) devices monitor driver behavior to help you spot bad driving habits like speeding, harsh braking, and idling which all waste fuel. Research shows every 5 mph you drive over 50 mph costs an extra $0.27 per gallon in fuel.Take a look at our Verizon Connect review for more detailed info about the top fleet tracking provider, according to our research. Is invoice factoring a solution to lack of credit?Yes, invoice factoring is a way of swapping your unpaid invoices for upfront cash. How it works is you sell invoices for the loads you run and get paid straightaway. This cuts out the waiting around for your buyers to transfer your funds.The downside is you won't get the full amount of the invoice, as payment for the instant availability of money. For instance, Apex freight factoring charges 2% of the total invoice amount.In our Truckstop review, we outline how you can get same-day (or next-day) payment for your invoices. The advantage of Truckstop is it has flexible contract cancellation, so you're not tied down by the rigid rules of other providers.If you're curious about this option, check out our roundup of the best factoring companies for freight brokers. Verdict A fuel card and poor credit aren’t necessarily mutually exclusive. Whether you want to put down a deposit or get a prepaid fuel card, there are options out there for companies that are struggling with the conventional methods of obtaining fuel card. If you're still unsure of which path to take, feel free to use our quick and free comparison tool. It'll put you in touch with all the fuel card providers that can meet all your company's specific fuel needs.However, you should only think of these options as temporary – working towards strengthening your credit score should be the final aim so that you can eventually craft the right profile for a conventional fuel card. FAQs What is the easiest business gas card to be approved for? The Shell Refillable Card is the easiest prepaid fuel card to obtain. These don’t require credit checks and are quick to buy online. What credit score is needed for a fuel card? The preferred credit score requirement for fuel cards is at least FICO 580, although this isn't set in stone. A healthy credit score is only needed for a credit card, whereas prepaid fuel cards and business debit cards usually don't require a credit check. Do you need credit for a fuel card? It depends which type of fuel card you're applying for. You will need a credit check for most credit-based fuel cards. If you end up going for a prepaid fuel card, it’s unlikely you’ll go through a credit check. Do fuel cards do credit checks? Usually, yes. However, if you’re getting a prepaid fuel card, it’s unlikely that the provider will conduct an in-depth credit check, which is what regular fuel card providers do. Can your credit score hurt your approval chances for a fleet card? If you have a credit score lower than 580 (FICO rating) then your application for a fleet card may be rejected. Checking your credit score is the first recommended step for choosing a card from a provider like WEX, for instance. You may not qualify for a gas credit card, but you can sign up for a charge card instead. Written by: Fernanda Alvarez Piñeiro Fernanda is a Mexican-born Expert Market writer, specialising in providing in-depth insights about business software to help businesses of all shapes and sizes thrive. From VoIP systems to project management software, she’s passionate about helping businesses find the tools and methods that will help give them an edge over their competitors. Fernanda has ample journalistic experience, having written for a multitude of online magazines about topics ranging from Latin American politics to cryptocurrency. Reviewed by: Maïté Bouhali Business Software Editor Maite began her career with Expert Market nearly four years ago as a writer. She quickly developed a passion for the challenges faced by small businesses and now endeavours to help them make informed decisions for their future. In her current position as Business Software Editor, Maite works closely with writers to ensure that each article is informative, well-researched, engaging, and actionable for readers. With extensive knowledge of CRM, vehicle tracking devices, and fuel cards, she is meticulous in her review of each article and provides detailed feedback before publication. Whether you're seeking to stay informed on the latest trends in business software or need guidance in selecting the most appropriate software for your organisation's needs, Maite is here to help. With her sharp eye for detail and commitment to quality, she is dedicated to supporting businesses in achieving their goals.