Business Gas Cards That Report to Dun and Bradstreet: Full Guide

Building business credit is essential for any company that wants to access financing, negotiate better vendor terms, or separate business expenses from personal expenses. The three major business credit bureaus—Dun & Bradstreet, Experian Business, and Equifax Business—track your company's payment history and generate business credit scores that lenders, suppliers, and partners use to evaluate your creditworthiness.

Here's the problem: not all business credit cards report to these credit bureaus. Many business owners assume their fleet card or gas card is building credit, only to discover months later that their positive payment history never appeared on their business credit reports.

If your goal is to build business credit while managing fuel costs, you need business gas cards that actually report to Dun & Bradstreet and other business credit reporting agencies. Every on-time payment builds your credit history, improves your business credit score, and opens doors to better financing options down the road.

Key Takeaways

• Business gas cards that report to Dun & Bradstreet help build your PAYDEX score through on-time payments.
• AtoB now reports to all three major business credit bureaus: Dun & Bradstreet, Experian, and Equifax.
• No personal guarantee options exist for businesses with an established business credit history.
• Payment history is the #1 factor in building strong business credit across all credit bureaus.
• Separating business and personal credit protects your personal credit score from business expenses.
• Fleet cards are a key stepping stone in the business credit-building journey.

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How Business Credit Reporting Works

Before diving into specific cards, it's important to understand how business credit differs from personal credit.

Personal Credit vs. Business Credit

Your personal credit score (tracked by TransUnion, Experian, and Equifax on the consumer side) ranges from 300 to 850. It is based on your personal credit history—credit cards, mortgages, auto loans, and other personal expenses.

Your business credit score is completely separate. The major business credit bureaus use different scoring models:

• Dun & Bradstreet PAYDEX Score: Ranges from 1-100, based on payment history reported over 12-24 months. Scores of 80+ indicate low risk.
• Experian Business Intelliscore Plus: Ranges from 1-100, combining business and personal data factors.
• Equifax Business Payment Index: Ranges from 1-100, measuring the likelihood of on-time payments.

Why Separation Matters

Many business owners use personal credit cards for business expenses. This creates several problems:

1. Credit utilization issues: Business expenses are typically higher than personal expenses, which max out personal cards quickly and tank your personal credit score.
2. No business credit history: Personal cards don't build business credit, leaving you with no established business credit history when you need a business loan.
3. Personal liability: Business problems can destroy your personal credit reports and personal finances.

Using business gas cards that report to Dun & Bradstreet separates your business credit profile from your personal credit history and actively builds your company's credit.

Best Business Gas Cards That Report to Dun & Bradstreet

1. AtoB Fleet Card

Reports to: Dun & Bradstreet, Experian Business, Equifax Business

AtoB has launched comprehensive business credit reporting across all three major business credit bureaus. This makes AtoB one of the most powerful tools for building business credit while managing fleet fuel costs.

Key Features:

• Reports to Dun & Bradstreet, Experian, and Equifax
• No personal guarantee required for qualified businesses
• Average diesel savings of $0.45-$2.00 per gallon
• Accepted at 99% of U.S. gas stations (3,500+ truck stops, 30,000+ stations)
• $250,000 fraud protection
• Spending limits and controls are customizable by driver, vehicle, or card
• Automated expense management and IFTA reporting

Why AtoB Ranks #1:

Unlike many fleet cards that report to only one or two credit bureaus, AtoB reports to all three—maximizing your credit-building potential. Combined with no personal guarantee requirements for qualified applicants and industry-leading fuel discounts, AtoB delivers both immediate savings and long-term credit-building benefits.

The card also offers online account management, real-time transaction monitoring, and the ability to set spending limits by time, location, and purchase type.

Best for: Fleets of all sizes looking to build strong business credit while maximizing savings at gas stations nationwide.

2. Shell Business Cards

Reports to: Dun & Bradstreet, Experian Business, Equifax Business

Shell offers two business gas cards: the Shell Card Business and the Shell Card Business Flex. Both report to all three major business credit bureaus.

Key Features:

• 25¢ per gallon rebate for the first six months
• Ongoing rebates up to 6¢ per gallon
• Fleet management tools and driver controls
• Pay in Full or Pay Over Time options

Considerations:

Shell typically requires $1 million+ in annual revenue and an established business credit history to qualify without a personal guarantee. Smaller businesses may require a personal guarantee, which means Shell could also report to personal credit reports if you default.

3. BP Business Solutions

Reports to: Dun & Bradstreet, Experian Business, Equifax Business

BP offers the Business Solutions Fuel Plus card and the Business Solutions Mastercard. Both report quarterly to all three credit bureaus.

Key Features:

• Up to 7¢ per gallon rebates
• Multiple employee cards with individual tracking
• Online account management tools
• Mastercard option accepted anywhere Mastercard is accepted

Considerations:

BP charges a $12 monthly membership fee plus a potential 2% risk-based account fee per billing cycle for high-risk borrowers. It may take up to six months for the tradeline to appear on your business credit reports.

4. Fuelman Fleet Cards

Reports to: Dun & Bradstreet, Experian Business, Equifax Business

Fuelman (a FleetCor brand) offers several fleet card options, including the Mixed Fleet Card, Diesel Fleet Card, and Fuelman Mastercard. Historically, Fuelman has reported to all three business credit bureaus.

Key Features:

• Up to 12¢ per gallon rebates on diesel
• 40,000+ locations in a discount network
• Multiple card tiers (Basic, Pro, Enterprise)
• Robust expense management tools

Considerations:

Fuelman charges a monthly membership fee of $39- $99, depending on your plan tier. They reserve the right to report to personal credit bureaus if your business credit isn't strong enough and you sign a personal guarantee.

5. WEX Fleet Cards (Multiple Brands)

Reports to: Dun & Bradstreet, Experian Business (not Equifax)

WEX administers fleet card programs for multiple fuel brands, including Chevron, Texaco, ExxonMobil, Phillips 66, Speedway, Sunoco, and Valero. These cards report to Dun & Bradstreet and Experian, but typically not Equifax.

Key Features:

• Accepted at 95% of U.S. gas stations (universal card options)
• Volume rebates up to 7-8¢ per gallon
• Driver-specific controls and odometer tracking
• Comprehensive reporting and expense management

WEX Brand Options:

• Chevron/Texaco: Three-card tiers with varying acceptance
• ExxonMobil: BusinessPro and FleetPro cards
• Phillips 66: Commercial, Fleet, and Universal cards
• Speedway: Fleet and Universal cards
• Sunoco: Fleet and Universal cards
• Valero: Fleet and Fleet Plus cards

Considerations:

WEX generally requires a personal guarantee if your business credit isn't established. The most recent minimum personal credit score requirement was 640, but this varies by brand and is subject to change.

6. ARCO Fleet Card

Reports to: Dun & Bradstreet, Equifax Business

ARCO's fleet card reports to both Dun & Bradstreet and Equifax, making it useful for building credit at two bureaus simultaneously.

Key Features:

• No minimum purchase amount
• New businesses are welcome to apply
• EIN-based application available

Considerations:

You'll need to provide bank and trade references along with your gross annual income to qualify.

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How to Build Business Credit with Fleet Cards

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Getting a business gas card is just the first step. Here's how to maximize your credit-building potential:

Step 1: Establish Your Business Foundation

Before applying for business credit cards, ensure your business is properly set up:

• Register your business legally (LLC, corporation, etc.)
• Obtain an Employer Identification Number (EIN) from the IRS
• Open a dedicated business bank account
• Get a D-U-N-S Number from Dun & Bradstreet (free)
• Establish a business phone number and address

Step 2: Start with Vendor Credit

If you don't have business credit history yet, start with vendor credit accounts that report to credit bureaus. Companies like Uline, Grainger, and others offer net 30 terms and report your payment history to help establish your business credit profile.

Step 3: Apply for Fleet Cards

Once you have 3-5 vendor accounts reporting, you're ready for fleet cards. Apply for business gas cards that report to Dun & Bradstreet and make every payment on time.

Step 4: Make On-Time Payments Consistently

Payment history is the single most important factor in your business credit score. Pay every bill on time—or even early—to build positive payment history across all credit bureaus.

Step 5: Monitor Your Business Credit Reports

Check your business credit reports regularly from all three bureaus:

• Dun & Bradstreet: Free CreditSignal alerts or paid reports
• Experian Business: Business Credit Advantage monitoring
• Equifax Business: Individual report purchases

Dispute any errors immediately to maintain accurate credit reports.

Business Gas Cards Without Personal Guarantee

Many business owners want to avoid signing a personal guarantee, which can make them personally liable for business debts and affect their personal credit score and credit reports.

Here's the reality: most business credit cards require either strong business credit or a personal guarantee (sometimes both). However, some options exist for EIN-only applications:

Cards That May Not Require Personal Guarantee:

• AtoB Fleet Card: No personal guarantee for qualified businesses with established credit
• Shell Business Cards: EIN-only possible with $1M+ revenue and strong credit history
• WEX-administered cards: EIN-only with sufficient business history (typically 3+ years)
• BP Business Solutions: EIN-only application available, though a guarantee may be required

Building Toward No-PG Cards:

If you can't qualify for a no-personal-guarantee card today, focus on building credit now so you can refinance later:

1. Accept a personal guarantee initially on a card that reports to business credit bureaus
2. Make on-time payments consistently for 12-24 months
3. Build your PAYDEX score to 80+
4. Apply for better cards with no personal guarantee requirements
5. Close or downgrade the original card once approved

Comparing Credit Bureau Reporting

Not all fleet cards report to the same credit bureaus. Here's a quick comparison:

For maximum credit-building impact, choose cards that report to all three bureaus, like AtoB.

The Fleet Credit Tier: Where Gas Cards Fit in Building Credit

Business credit building happens in stages, often called "tiers." Understanding where fleet cards fit helps you plan your credit-building journey:

Tier 1: Vendor Credit

Start here with net 30 accounts from companies like Uline, Grainger, and similar vendors. These establish your initial credit history without requiring existing business credit.

Tier 2: Retail Credit

Store cards from Office Depot, Amazon Business, and similar retailers. These require some established business credit history but offer higher credit limits.

Tier 3: Fleet Credit

This is where business gas cards live. Fleet cards for fuel costs and vehicle maintenance require moderate business credit scores but provide significant credit line increases.

Tier 4: Cash Credit

General-purpose business credit cards with high credit limits and low interest rates. These require strong business credit scores but can be used for any business expenses.

Tier 5: Business Loans

Traditional business loans and lines of credit from banks. These require excellent business credit scores and an established business credit history.

Fleet cards are a critical stepping stone—they help you graduate from retail credit to cash credit while serving a genuine business need.

Frequently Asked Questions

How long does it take for fleet cards to appear on business credit reports?

Most fleet cards begin reporting within 30-90 days of account opening, though some (like BP) may take up to six months. Your positive payment history accumulates over each billing cycle, building your credit score gradually over 12-24 months.

Can I get a business gas card with bad personal credit?

Some business gas cards focus primarily on business credit rather than personal credit scores. If you have established business credit history, cards like AtoB may approve you based on business qualifications alone. New businesses without business credit may need to start with vendor credit accounts first.

Do all fleet cards report to business credit bureaus?

No. Credit reporting is voluntary, and many fleet cards don't report to any business credit bureaus or only report negative information, such as defaults. Always verify that a card reports a positive payment history before applying if building credit is your goal.

Final Thoughts

Choosing business gas cards that report to Dun & Bradstreet is one of the smartest moves a fleet business can make. You're already spending money on fuel—why not build business credit at the same time?

AtoB stands out as the top choice for fleets serious about credit building. With reporting to all three major business credit bureaus, no personal guarantee requirements for qualified businesses, and industry-leading fuel discounts at 99% of gas stations, AtoB delivers both immediate cost savings and long-term credit benefits.

Start building your business credit profile today. Every on-time payment strengthens your credit history, improves your business credit score, and moves you closer to better financing options, higher credit limits, and strong business credit that opens doors for growth.

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Citations

1. https://www.dnb.com
2. https://www.experian.com/business
3. https://www.equifax.com/business
4. https://www.sba.gov