Loves will approve your card if you take it inside before trying to pump fuel. I would think that Pilot would do that, too. It's just a debit card to you, but to Loves and Pilot it looks like a TCH card. When the computer at Loves sees the card, it thinks you are a big truck trying to get fuel from the 4-wheeler pumps and won't approve it. In Arizona, the front fuel pumps are cheaper than the rear big truck fuel pumps. When I am in a hurry at a Loves (I NEVER buy fuel at Pilot because I hate them) I use my personal debit card since I'm not getting any points anyway.
Regarding frequent fueler, since I use my TAB Mastercard when I buy fuel, do you think I will get the points from those locations listed?