Which Fuel Cards Report to Credit Bureaus?

Seven fuel cards actively report payment activity, helping both personal and business credit scores. As we warned earlier, they differ from the non‑reporting cards.

• WEX Fuel Card - sends payment history to Equifax, Experian, and TransUnion; five months of on‑time usage can add 15‑20 points, see the WEX Fuel Card official page.
• Comdata Fleet Card - posts monthly balances to personal credit bureaus; low utilization accelerates credit gains, details at the Comdata fuel‑card overview.
• Fleetcor Voyager Card - updates both personal and D&B reports; positive cycles appear within three months, reference the Voyager Card information.
• Shell Fleet Card - feeds transaction data to Experian Business; keeping utilization under 30 % nudges business scores upward, see the Shell Fleet Card page.
• ExxonMobil Business Card - reports to TransUnion Business; prompt payments improve the credit index after the first billing period, view the ExxonMobil Business Card site.
• BP Business Solutions Card - pushes activity to personal bureaus; a year of regular payments can add roughly ten points, see the BP Business Solutions Card description.
• Costco Business Fuel Card - logs spending to business credit bureaus; high‑volume use speeds credit‑building for new enterprises, check the Costco Business Fuel Card details.

These five fuel cards never send activity to Equifax, Experian, TransUnion, or D&B, so they won't affect either personal or business credit scores.

• Shell Fleet Card  -  offers discounts but does not report to any credit bureau.
• BP Business Fuel Card  -  provides fuel rebates yet stays off credit reports.
• ExxonMobil Business Card  -  tracks spend for fleet management without credit‑bureau filings.
• Love's TravelStop Card  -  works for independent truckers but skips bureau reporting.
• Walmart Business Fuel Card  -  lets you buy diesel at discount rates, yet it never appears on credit histories.

If a fuel card is labeled a reporting card, its usage lands on the credit bureaus.

1. Open the card's agreement; look for clauses that mention 'credit reporting' or 'information supplied to Equifax, Experian, TransUnion, or D&B.'
2. Call the issuer's support line; ask directly whether the card feeds purchase data to personal or business bureaus.
3. Scan monthly statements; reporting cards often include a line such as 'account activity reported to credit bureaus.'
4. Pull a recent credit report; a new 'fuel card' entry confirms that the issuer is transmitting data.

These steps let owners separate reporting fuel cards from the non‑reporting ones we listed earlier, and set up the quick‑verification process that follows in the next section.

Check the issuer's terms first; most fuel cards are business‑only and feed payment data to business bureaus such as Dun & Bradstreet or Experian Business, not to Equifax, Experian, or TransUnion. Only those marketed as traditional credit cards ever show up on a personal credit file, and that varies by provider (as we covered above).

Comdata's fuel card reports your payment history to the major business credit bureaus, letting you build a commercial credit profile quickly.

• Reports to D‑Bureau (D&B) after the first 30 days of activity.
• Optional reporting to personal credit bureaus (Equifax, Experian, TransUnion) begins after 90 days if you opt‑in.
• On‑time payments for 3 - 6 months can raise your business score by 10 - 20 points.
• Works for fleets as small as one vehicle, integrates with most accounting software, and provides real‑time transaction data.
• Requires a minimum monthly spend of $500 to trigger regular reporting.

Stay on top of payments and you'll see tangible credit gains, a contrast to the next section where Wex deliberately skips personal bureaus. Comdata fuel card reporting details

WEX fuel cards do not send payment activity to the three personal credit bureaus - Equifax, Experian, or TransUnion - so using a WEX card won't raise or lower your personal credit score.

Instead, WEX forwards payment histories to business‑credit bureaus such as Dun & Bradstreet; consistent on‑time payments can boost your company's D&B score, a point we'll explore in the 'fleet owners build credit quick' section later. For verification, see WEX fuel‑card reporting policy.

Fleet owners can jump‑start their business credit in 3 - 6 months by using reporting fuel cards responsibly.

• Choose a fuel card that reports to business credit bureaus such as Dun & Bradstreet (e.g., Comdata) and register it under the company's legal entity.
• Charge consistent, predictable fuel spend (typically $1,000 + per month) so the bureau receives regular activity.
• Pay the full balance before the statement date to record 100 % on‑time payments and avoid interest.
• Keep utilization below 30 % of the card limit; lower ratios signal healthy credit management.
• Review each monthly report, flag errors within 30 days, and request corrections to keep the credit file clean.

Rebuilding credit with a poor personal score becomes feasible by selecting reporting fuel cards that feed activity to business credit bureaus such as D&B instead of the personal trio (Equifax, Experian, TransUnion). These cards typically accept lower personal scores because they view the business's payment history as the primary risk factor.

Start by applying for cards known to report business activity - examples include the Comdata Business Card and the Shell Small Business Fuel Card. Keep the fuel line under 30 % of the credit limit, settle the balance each month, and use the card exclusively for fuel and related expenses to generate a consistent, positive payment pattern.

Avoid cards with steep annual fees or hidden surcharge structures, as they can quickly erode any credit‑building gains. Check the reporting status within the first 30 days; the method described in how to verify fuel card reporting fast ensures the bureau receives the data. Expect measurable changes in the business credit file after three to six months of disciplined use.

Missed payments on reporting fuel cards immediately hurt both personal credit bureaus (Equifax, Experian, TransUnion) and business credit bureaus (Dun & Bradstreet); a 30‑day late tag appears on the monthly report and can drop a score 50‑100 points, while repeated delinquencies may trigger a closed account. Because the data feeds directly into the same algorithms that govern traditional credit cards, a single slip can erase months of steady gains.

Avoid the damage by setting up automatic payments, keeping the utilization below 30 %, and checking the statements weekly for errors. If a payment does miss the deadline, contact the issuer within 24 hours to request a 'pay for‑pay' adjustment before the late status posts. Regularly monitor your credit reports with a free service to catch any negative entries early and preserve the credit‑building momentum of your fuel cards. how late payments affect credit scores

Reporting fuel cards can do more than just charge gas; they can quietly lift a credit score when used like a growth hack.

Treat each reporting card as a mini‑loan: charge only what you can repay, settle the balance before the statement closes, and keep utilization under 30 %. This trains the personal bureaus (Equifax, Experian, TransUnion) to see a pattern of responsible borrowing.

• open a card that actually reports - examples include Shell Fleet Card, Exxon Mobil Business Fuel Card, and BP Business Fuel Card;
• set up automatic payment a day before the due date to avoid late‑payment stamps;
• request a modest credit‑limit increase after three months of on‑time payments to boost available credit and lower utilization;
• consolidate all fuel spend onto a single reporting card to create a higher‑volume, low‑balance tradeline;
• avoid mixing personal and business expenses on a non‑reporting card, which dilutes the credit‑building signal.

Combine these moves with the 'quick‑build' tactics outlined in the fleet owners section (3 - 6 months for noticeable score bumps) and the verification steps from the earlier verify‑reporting card guide. The result: a stronger personal credit profile without extra debt, all while keeping the truck rolling.

Trucker Tales fuel cards do not carry a built‑in credit score; scores still come from the driver's or business's existing credit history. The cards function like standard commercial fuel cards - payment activity only reaches personal credit bureaus if Trucker Tales explicitly opts into consumer reporting, which it does not.

There are no products that guarantee a 650‑700 score or require a $500 monthly spend to unlock reporting. Claims of 'fixed scores' and automatic Equifax, Experian, or TransUnion updates stem from marketing myths, not from any documented Trucker Tales offering. The brand's cards may feed payment data to business‑credit bureaus such as D&B when a merchant account is set up, but personal‑credit impact remains indirect, similar to the other cards discussed in earlier sections. (Spoiler: the magic number does not exist.)

Fuel cards that push data to the often‑overlooked D&B bureau let you build a business credit profile without touching personal scores, and the most common examples are Comdata's Fleet Card and the Shell Fleet Card, both of which send payment history, utilization and volume metrics to Dun & Bradstreet's Paydex system;

you can verify that a card reports to D&B by asking the issuer directly, checking the card's terms for 'business credit reporting,' or pulling a free D&B Credit Reporter snapshot after 30 - 60 days of activity, and because D&B isn't as tightly monitored as Equifax, Experian or TransUnion, timely, consistent use of these cards can improve your Paydex score even if you've been denied by the major personal bureaus, setting the stage for the next section on how fleet owners can accelerate credit building.