Harvey,
got a solution for ya on the credit card. Get a T-check card. Use it almost any truck stop. Use the diesel pumps and start it out at the pump.
I've been using ARCO for years, for my car gas and diesel. I used to go to the local Flying J, but their diesel got more expensive than ARCO. As far as the additives, I've never had a problem. As far as the $. 45 charge, you can avoid that by getting an ARCO debit card for free. I pay by debit all the time, so I don't really care that it is an ARCO debit card... JMHO...