Mudflap Fuel Card Review: Discounts, Fees, Who It's For
Mudflap's fuel card is a Visa business charge card: Mudflap advertises up to $1.00/gal off diesel at 3,600+ in-network truck stops (discounts vary by stop) and 2¢/gal elsewhere, and lists no activation, monthly, annual, per-card or out-of-network fees. It says it runs no hard credit check. It best suits small fleets that fuel at partner stops.
By TruckerStack Editorial, AK Digital Marketing LLC · Published 2026-11-11 · Updated 2026-11-11 · checked against the official sources cited · Editorial policy · Not insurance, legal or financial advice.
What Mudflap publishes
Independent, not affiliated: TruckerStack (AK Digital Marketing LLC) is not affiliated with, endorsed by or paid by Mudflap, Inc., and has no affiliate agreement with it today. This is not the official Mudflap, Inc. website; brand names are trademarks of their owners and are used only to identify the product reviewed. If that ever changes, links will be labeled “sponsored” and will not change the data. Every figure below is quoted from the company's own public pages or terms, fetched on 2026-11-11; confirm the terms attached to your own application before you sign.
| Item | What the company publishes |
|---|---|
| Diesel discount | Up to $1.00/gal at in-network truck stops; “discounts vary by stop in the Mudflap network and market conditions”. No average per-gallon figure is published |
| Out-of-network / non-discounted fuel | 2¢ per gallon deduction wherever Visa is accepted (also stated in the Rewards Program Terms) |
| Gas (gasoline) | 8¢/gal off at Casey’s locations (3,000+ per Mudflap); Mudflap says most of its discounts are for diesel |
| “Save up to $130 per fill-up” | Footnoted as 75% of a 300-gallon capacity multiplied by the discounts drivers earned in the Mudflap network, May–July 2024 |
| In-network truck stops | 3,600+ on the fuel card page; the homepage stat says 3,800+ and the gas page FAQ says 3,500+ |
| Acceptance | Any truck stop that accepts Visa; homepage says 70,000+ stops accept the card |
| Fraud protection | Fraud Guarantee up to $50,000 for unauthorized third-party diesel purchases, only with SMS or app one-time-passcode security active and if reported within the stated windows (48 hours of discovery, 60 days of the statement) |
| IFTA | “One-click IFTA reporting” and itemized digital receipts |
| Who can apply | LLCs and corporations with an EIN (one FAQ answer also lists sole proprietors); owners supply U.S. address, date of birth and SSN. Applications reviewed daily, answer usually within three days |
Updated 2026-11-11 · Verified 2026-11-11. Sources: Mudflap: Fuel Card page & FAQ; Mudflap homepage; Mudflap: gas fleets page & FAQ; Mudflap card agreements, Rewards Program Terms & Fraud Guarantee terms. Mudflap's own pages give three different in-network counts (3,500+, 3,600+, 3,800+); we quote 3,600+ from the fuel card page.
Mudflap fuel card fees
| Fee | Amount |
|---|---|
| Activation, monthly, annual, per-card, per-swipe, out-of-network | $0 (“no … fees”, fuel card page) |
| Interest | None charged (fuel card FAQ); it is a charge card, balance due in full |
| Returned payment | $10 per returned payment |
| Initial late fee (unpaid 7 days after due date) | Greater of $10 or 3% of the overdue amount |
| Subsequent late fee (every 30 days unpaid) | Greater of $10 or 6% of the delinquent amount |
| Pay-by-card fee (if Mudflap accepts a debit/credit card payment) | 3% of the payment |
| Non-conforming payment (not ACH or card) | $25 per payment |
| Cash advances / balance transfers | Not allowed on the card |
Updated 2026-11-11 · Verified 2026-11-11. Source: section 14 “Penalty Fees” of both the Celtic Bank and the Community Federal Savings Bank Business Charge Card Agreements on Mudflap card agreements, Rewards Program Terms & Fraud Guarantee terms (same amounts in both). The Rewards Program Terms on that page show “Last Updated: October 23, 2026”. Mudflap's footnote: “Fees applicable for returned payments, late payments, and payments by means other than ACH.”
How the discount and billing work
Per the Rewards Program Terms, the truck stop first charges its retail price; Mudflap then lowers the purchase amount once the stop sends discount data. If you buy more than one discounted product at the same stop, you must run each as a separate transaction or the discount data may not come through. Missing discounts must be claimed with the receipt through Mudflap support. The card is a charge card: the agreement requires an automatic ACH authorization on a business bank account, the balance is generally due on the closing date of each billing cycle, and the homepage describes it as “weekly credit”. After a payment, the credit limit can take up to 10 days to be restored, and Mudflap may adjust the limit daily based on the cash in your linked account.
Credit check: what the terms actually say
| Mudflap statement | Where |
|---|---|
| “Mudflap does not run any hard credit checks when you apply for our fuel card.” | Gas fleets FAQ |
| Underwriting considers “your company’s financial standing, financial history, credit scores, and number of on-time payments”; “All cards are subject to credit approval.” | Fuel card FAQ |
| “We may review your credit history by obtaining information from credit reporting agencies and others” and may report to business credit bureaus | Card agreement |
| A Secured Charge Card Addendum (Community Federal Savings Bank) exists for secured accounts | Legal page |
Read together: no hard pull is advertised, but credit information is still used and approval is not automatic. If you need a card with no credit review at all, TCS's cash-secured account is the published alternative (see the TCS review).
Who it is for, and who should look elsewhere
| Good fit if… | Look elsewhere if… |
|---|---|
| You want no monthly or per-card fee and fuel at Mudflap partner stops | You need a published average discount to plan with: Mudflap publishes only an “up to” figure |
| You want one Visa card for fuel, repairs, tolls and parking | You need cash advances: the agreement does not allow them |
| You can keep autopay funded each cycle | Your cash flow cannot cover a balance due in full every cycle (late fee greater of $10 or 3%, then $10 or 6%) |
Check the math for your truck
With no card fees published, your Mudflap savings are simply in-network gallons × the discount at your stops, plus 2¢ × your other gallons. Example arithmetic only: 800 in-network gallons at 20¢ plus 200 other gallons at 2¢ is $164 a month. Put your real numbers in the fuel card savings calculator (it has a Mudflap preset), then feed the net fuel price into the cost per mile calculator.
Related
- Fuel cards compared: WEX, AtoB, Mudflap, TCS, EFS, Comdata, Pilot
- Fuel card savings calculator
- TCS fuel card review
- AtoB fuel card review
- WEX fuel card review
- Fuel cards for trucking companies
- IFTA fuel receipt requirements
Fuel card partner offers: coming soon (no partner today). Until then, use the tables above and the issuers' own sites.
FAQ
How much does the Mudflap fuel card save per gallon?
Mudflap advertises up to $1.00 per gallon off diesel at in-network truck stops, varying by stop and market conditions, and 2¢ per gallon at out-of-network stops. It does not publish an average discount.
Does the Mudflap card have fees?
Mudflap lists no activation, monthly, annual, per-card, per-swipe or out-of-network fees. Its card agreement does list penalty fees: $10 returned payment, late fees of the greater of $10 or 3% (then $10 or 6%), 3% to pay by card and $25 for non-ACH payments.
Does Mudflap check credit?
Mudflap says it runs no hard credit checks, but its FAQ says underwriting considers credit scores and financial history, and the agreement allows it to review credit history. Cards are subject to credit approval.
Where is the Mudflap card accepted?
Anywhere Visa is accepted. Discounted prices apply only at its in-network truck stops (3,600+ per the fuel card page).
Is this the official Mudflap website?
No. It is an independent review by TruckerStack, which is not affiliated with Mudflap and has no affiliate agreement with it. Mudflap's site is mudflapinc.com.