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Does Mudflap Report to Credit Bureaus?
July 1, 2025
The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.
Quick Answer
It depends on which Mudflap product you use. The Mudflap Fuel Card is a business charge card, and Mudflap lists business credit bureau reporting as one of its features, saying on-time payments can help build your business credit.
The Mudflap app is different. It's a pay-as-you-go fuel discount tool that charges your debit card, credit card, or bank account, so using the app on its own doesn't open a credit account to report.
What Is Mudflap?
Mudflap offers fuel discounts to owner-operators and small fleets at independent truck stops and regional chains such as AMBEST, Roady's, Casey's, Road Ranger, and Sapp Bros. In the app, you pick a stop, get a six-digit fuel code, and show it at the fuel desk. Mudflap then charges your saved payment method the discounted price.
In spring 2023, Mudflap added the Mudflap Fuel Card for fleets. It works at Mudflap partner stops at the app's discounted price and anywhere Visa® is accepted. The card is issued by Celtic Bank or Community Federal Savings Bank, and the issuing bank appears on the back of your card and in your account agreement.
Does Mudflap Report to Credit Bureaus?
The Mudflap Fuel Card
Yes, to business credit bureaus. Mudflap's fuel card page lists Business Credit Bureau Reporting as a feature. It doesn't name the specific bureaus, so ask Mudflap's card team at (888) 388-3275 if you want to know where your account will appear.
The main business credit bureaus are Dun & Bradstreet, Experian Business, and Equifax Business. You can see what's on your business file with our guide on how to check your business credit score.
Your Personal Credit
The card is for sole proprietors and U.S.-registered LLCs or corporations with an Employer Identification Number (EIN). Owners must provide a U.S. address, date of birth, and Social Security number, and all cards are subject to credit approval.
Mudflap doesn't say publicly whether it checks or reports to your personal credit file. Review the Business Charge Card Agreement or ask Mudflap before you apply.
The Mudflap App
The app is not a loan or a line of credit. Each fill-up is charged to the debit card, credit card, or bank account you add, so there's no Mudflap balance to report.
How the Fuel Card Can Affect Your Business Credit
Possible Positives
- On-time payments: Mudflap says on-time payments can help build your business credit.
- A new trade line: A newer business may have few accounts on file, and a fuel account adds payment history.
Possible Negatives
- Late payments: Mudflap charges fees for late payments, and late payments reported to bureaus can hurt your business credit profile.
- Returned payments: Fees also apply to returned payments and to payments made by any method other than ACH.
The card has no annual, monthly, or per-card fees and charges no interest, according to Mudflap. The full fee list is in the Business Charge Card Agreement.
Can You Use a Credit Card With the Mudflap App?
Yes. The Mudflap app accepts debit cards, credit cards, bank accounts, and fleet cards with a Visa or Mastercard logo that can be used for non-fuel purchases. Paying by debit card or ACH is fee-free, but credit cards carry a 1.9% processing fee.
That fee cancels out most of the rewards a typical card earns. On a $500 fill-up, the fee is $9.50, while a card earning 2% back would return $10, leaving about 50 cents.
Calculation formulated by Kudos, based on Mudflap's 1.9% credit card processing fee and a 2% flat cash back rate on a $500 purchase.
For fuel purchased outside the app, you can compare gas and travel cards in the Kudos Card Explorer, which lets you filter thousands of cards by annual fee, welcome offer, and more.
Tips for Managing Credit With Mudflap
- Pay on time: Late payments trigger fees and can be reported to business bureaus.
- Pay by ACH: Mudflap charges a fee for card payments made by any method other than ACH.
- Use fleet controls: Mudflap's fleet tools let you add, remove, or block drivers and set spending controls.
- Read the agreement: The Business Charge Card Agreement lists every fee and your payment terms.
- Check your business file: Pull your business credit reports periodically to confirm your payments are reported correctly.
Frequently Asked Questions
Does the Mudflap app affect my credit score?
No. The app charges a payment method you already have, so it doesn't create a Mudflap credit account. If you pay with a credit card, that card's balance and payment history still count on your own credit.
Which credit bureaus does the Mudflap Fuel Card report to?
Mudflap says the card reports to business credit bureaus but doesn't list which ones. Call (888) 388-3275 to confirm.
Does the Mudflap Fuel Card charge interest?
No. Mudflap says the card charges no interest and no annual or monthly fees. Fees can apply for late payments, returned payments, and non-ACH payments.
Is there a fee to pay for fuel with a credit card in the Mudflap app?
Yes. Mudflap charges a 1.9% processing fee on credit card payments. Debit card and ACH payments in the app are fee-free.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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