These guys increased their rates from 2.99 to 6.99% in April, and that is a "Monthly Periodic Rate", not an APR. In other words, that is an 83.44 APR. You must pay your invoice online by 3:00 ET, and if not you are charged the amount due on your current invoice as well as unbilled charges. They recently bundled all of their miscellaneous charges under one heading: "other adjustments this period". Those charges include "special embossing", "monthly card charge", "paper delivery fee". This is a Fuel Card Company. You would be way better off to get any other credit card. These rates rival those of a cash for title business. I do not recommend - definately a RIP OFF. Good luck to all my fellow business owners.