Mudflap

App · use your existing payment method

No credit application, credit check or minimum gallon purchase for the app.

Bank-account and debit-card payments have no processing fee. Credit-card payments add 1.9% of the final purchase after credits.

More than 3,600 participating stops across the lower 48 states. Check the app for locations and prices on your route.

Select a stop and get a code. Enter it at a supported pump or present it inside, following that stop’s app instructions.

Getting a fuel code locks its discounted price for 24 hours; Mudflap applies the better price if its discount improves.

Card payments can show a temporary hold before the final charge. A purchase exceeding the authorized amount can produce an additional charge.

An authorized backup can cover the remaining amount when the first method only pays part of a purchase. Manage saved methods in the app.

Emailed fuel receipts and a free IFTA fuel report available through the Purchases tab.

Support can link drivers to a fleet payment method and shared receipt access. Remove a departing driver’s payment access.

The app supports diesel and reefer fuel; DEF and other fuel types are available at selected stops.

Advertises 24/7 help by phone, text and chat.

Fleet card · apply for a credit line

US-registered sole proprietors, LLCs and corporations with an EIN can apply. Identity checks and credit approval apply.

Visa fuel-card acceptance extends beyond the discount network. In-network discounts and out-of-network rebates follow different rules.

The in-network discount is determined at the card swipe, rather than locked when viewed in the app. Retail charges are adjusted before final posting.

2¢ per gallon on qualifying fuel outside the discount program, credited on the following month’s first statement. Requires an open, active account in good standing.

No annual, monthly, per-card or subscription fee. Exception charges in the applicable card agreement still apply.

The linked Celtic agreement requires the statement balance in full by the assigned due date, normally the cycle closing date, using recurring ACH.

The Celtic agreement allows up to ten days to restore credit after a payment. Retail-price authorization holds can also reduce available credit before discounts settle.

After seven unpaid days: the greater of $10 or 3% of the unpaid balance. Each further 30-day period adds the greater of $10 or 6%.

$10 for a returned payment; $25 for a payment outside ACH or accepted card payments. If repayment by debit or credit card is accepted, its processing fee is 3%.

The linked Celtic agreement requires written notice through the portal and immediate payment of the remaining balance.

Set spending limits, add or block drivers and manage accounts from a desktop or phone.

An ELD connection can support vehicle tracking and fraud monitoring. Confirm compatibility with the system your trucks use.

View spending by driver or fleet and download IFTA reports. These reports do not establish that Mudflap files your return.

Mudflap names Celtic Bank and Community Federal Savings Bank as issuers. Check your card: the publicly linked agreement examined here is the Celtic version.