AtoB vs Comdata Fuel Card: Which Saves You More in 2025?

Choosing the right fuel card impacts every gallon your fleet burns. AtoB and Comdata both promise savings, but they operate on fundamentally different models—and only one eliminates the routing headaches and hidden fees that quietly erode your margins. For fleet managers evaluating fuel card providers, understanding the true cost difference matters more than advertised discounts alone.

Key Takeaways

• AtoB offers universal acceptance at 99% of fuel stations via Mastercard, while Comdata restricts drivers to 8,000 truck stops with $3 out-of-network fees.
• Average savings favor AtoB: 45¢ per gallon at truck stops (up to $2 per gallon max) vs. Comdata's 8–40¢ range, but only at preferred locations.
• Fee structures differ dramatically: AtoB charges $3/month per card with zero transaction fees; Comdata charges $8/month plus $3 out-of-network penalties.
• AtoB vs. Comdata Fuel Card comparison reveals that fraud protection, platform usability, and support quality set modern providers apart from legacy providers.

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AtoB vs Comdata Fuel Card Comparison Chart

What Is the AtoB Fuel Card?

The AtoB Fuel Card is a Mastercard-powered fleet payment solution designed for trucking companies, delivery fleets, and owner-operators who need both flexibility and savings. Unlike traditional fleet fuel cards that lock you into proprietary networks, AtoB works anywhere Mastercard is accepted—which means virtually every gas station and truck stop in the U.S.

Key features include:

• Universal acceptance with no routing restrictions across gas stations and truck stops nationwide.
• Discount network spanning 30,000+ participating locations, including TA Petro, Speedway, Kwik Trip, and RaceTrac
• Telematics integration that validates GPS location and tank capacity in real time
• FuelMap technology shows the cheapest fuel along your route, saving an average of 21¢ per gallon through smarter fuel purchases.
• Default-locked cards requiring driver authentication via mobile app to prevent fraud

AtoB is built for fleets of all sizes, from single-truck owner-operators to regional carriers managing mixed fleet operations. There's no credit check required for prepaid accounts, and setup takes less than 10 minutes (AtoB, 2025).

Ready to see how much you can save? Get started with AtoB today.

What Is the Comdata Fuel Card?

The Comdata Fuel Card is a legacy over-the-road (OTR) payment solution from Corpay (formerly FLEETCOR) targeting trucking companies that fuel exclusively at major truck stop chains. Comdata has been in business for over 56 years and maintains partnerships with TA Petro, Pilot Flying J, Love's, and other national networks.

Key characteristics:

• Truck stop network: 8,000+ locations, primarily large fleets operating through major chains
• Discount tiers varying by partner (e.g., up to 40¢/gal at TA Petro, 8¢ at Pilot Flying J)
• PIN-based security requiring driver authentication at the pump
• Proximity fraud tool (optional add-on) using GPS/ELD to verify location and tank levels
• OneClick unlock (launched May 2024) to prevent skimming, but email-only fraud support

Comdata works best for dedicated OTR fleets with predictable routes through major truck stop corridors. If your trucks rarely leave I-80 and fuel almost exclusively at TA or Pilot Flying J, Comdata's deep partnerships may deliver competitive fuel discounts—at least on paper.

Which Fuel Card Offers Better Pricing and Fees?

Transparent pricing separates AtoB from Comdata when comparing fuel card programs. Here's what you'll actually pay:

AtoB Fee Structure

• Setup: $35 one-time
• Monthly: $3/card (prepaid) or $15/month for 1–5 cards (credit)
• Transaction fees: $0
• Out-of-network fees: $0
• Late payment: Greater of $99 or 9%

For a fleet running 50 cards, AtoB costs $150/month in recurring fees with no transaction fees.

Comdata Fee Structure

• Setup: $50 one-time
• Monthly: $8/card
• Transaction fees: $3 per out-of-network purchase
• Out-of-network acceptance: Requires a Mastercard add-on (triggers fees)
• Late payment: Greater of $150 or 13.99%

The same 50-card fleet pays $400/month at Comdata—before any out-of-network penalties. If your drivers fuel outside preferred locations even 10% of the time, transaction fees add $1,800+ annually.

Late fees matter, too. A single late payment on a $15,000 balance costs $1,350 with AtoB, but $2,098 with Comdata—a $748 penalty for identical circumstances.

Winner: AtoB delivers 62% lower monthly fees and zero routing penalties.

Which Fuel Card Offers Better Network Coverage and Fuel Savings?

Network coverage determines where your drivers can fuel without penalties. Fuel savings potential determines how much you save per gallon.

Network Coverage

AtoB operates on the Mastercard network, meaning acceptance at 99%+ of U.S. fuel stations—truck stops, gas stations, independent retailers, and everything in between. Your drivers can fuel anywhere, anytime, without paying out-of-network fees or having transactions declined (AtoB, 2025).

Comdata restricts acceptance to 8,000 truck stops unless you activate the optional Mastercard add-on, which triggers $3 transaction fees. For fleets with fixed OTR routes, 8,000 locations may suffice. For regional carriers, delivery fleets, or mixed fleet operations, this creates constant routing friction.

Fuel Savings and Discounts

AtoB fuel discounts:

• 45¢ per gallon average at 4,200+ truck stops (TA Petro, Speedway, Kwik Trip, RaceTrac, etc.)
• Up to $2.00 per gallon at select retail locations
• 5¢ per gallon average at 30,000+ gas stations
• FuelMap optimization adds 21¢ per gallon by directing drivers to the cheapest stations along the route

Comdata discounts:

• Up to 40¢ per gallon at TA Petro (best-case scenario)
• 8–10¢ per gallon at Pilot Flying J, Love's, AMBEST, Speedway
• Discounts are subject to change after 12 months or based on payment history

On paper, Comdata's 40¢ TA Petro discount looks competitive. In practice, it applies only at select locations, and any fuel purchased outside preferred networks offers zero discount—plus a $3 penalty (P-Fleet, 2025; FreightWaves, 2025).

Real-world math: A 50-truck fleet consuming 15,000 gallons/month sees:

• AtoB: 15,000 gal × $0.46 avg. discount = $6,900/month saved = $82,800/year
• Comdata (90% at preferred, 10% out-of-network): (13,500 × $0.35) − (1,500 × $0 + $45 transaction fees) = $4,680/month = $56,160/year

AtoB delivers $26,640 more in annual savings for the same fuel usage.

Winner: AtoB provides both broader network coverage and higher realized savings.

See your personalized savings estimate—sign up in 5 minutes.

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Which Platform Is Easier to Use and Manage?

Modern fleet management requires real-time visibility, not monthly statements. Comparing fuel cards means evaluating how well each platform helps you control costs and track spending.

AtoB offers:

• Cloud-based dashboard for instant spend visibility across all cards
• Mobile app with one-tap card unlock, FuelMap route optimization, and transaction alerts
• Self-service controls: Set spending limits, lock cards, whitelist merchants—no support ticket required
• Automated IFTA reporting by jurisdiction, compatible with Samsara and other telematics platforms
• 24/7 support with 29-second average response time

Comdata provides:

• OneLook analytics platform with daily spend updates and custom dashboards
• FleetAdvance mobile app for fuel price visibility
• Spending controls by card, time, and location (requires manual setup via support)
• Customer service wait times average 50–90 minutes, per recent reviews
• Fraud department accessible by email only—no phone support for urgent disputes (BBB, 2025)

Customer reviews tell the story. One September 2025 BBB complaint noted: "Minimum of 50 minutes to 1.5 hours on hold... look at all the reviews—nobody talks good" about Comdata's service. Another documented three-hour wait for promised callbacks that never came.

AtoB's 4.6/5 Trustpilot rating reflects consistent satisfaction. Comdata's 1.5/5 rating reflects systemic service failures.

Winner: AtoB, by a wide margin.

Which Fuel Card Company Offers the Best Discounts?

This comes down to where you fuel and how consistently you can route to participating locations.

Comdata's advantage: If your entire fleet fuels exclusively at TA Petro and you never deviate, that 40¢ per gallon discount beats AtoB's 45¢ average in specific scenarios.

AtoB's advantage: Universal fuel discounts mean you always save money, regardless of route changes, detours, or market conditions. The FuelMap tool adds another layer—drivers see real-time prices and dynamically choose the cheapest option, capturing an additional 21¢ per gallon through behavior optimization (AtoB, 2025).

For mixed fleets or variable routes, AtoB wins decisively. For dedicated OTR operations with zero route flexibility, Comdata's truck stop partnerships may edge out AtoB—but only if you're willing to accept higher monthly fees, worse service, and routing constraints.

Winner: AtoB for most operations; Comdata only for highly specialized OTR-only fleets.

Which Fuel Card Provides Stronger Security and Fraud Protection?

Fuel card fraud costs fleets 5–10% of annual fuel spend, and card skimming accounts for 75% of incidents (CCJ Digital, 2024). The FBI reports a 700% increase in skimming attacks over the past few years.

AtoB's security features:

• Default-locked cards requiring driver authentication via mobile app before each transaction
• Telematics integration validates GPS location and tank capacity in real time, blocking impossible transactions
• $250,000 fraud protection guarantee (when telematics connected)
• Real-time alerts for suspicious activity
• Automated fraud blocking without requiring manual review

One fleet CEO noted: "It's virtually impossible to steal with AtoB. This is what we've been looking for but never found until AtoB."

Comdata's security features:

• PIN-based authentication at the pump
• Proximity tool (optional add-on) using GPS/ELD to verify location and tank levels
• OneClick unlock (May 2024 launch) to prevent skimming
• Fraud protection amount not disclosed
• Fraud disputes handled by email only, with resolution taking 30+ days per complaint (BBB, 2025)

Multiple 2025 complaints describe unauthorized purchases totaling thousands of dollars, with slow or nonresponsive fraud resolution. One customer reported $58,117 in fraudulent withdrawals, a case that took 60+ days and was closed without reimbursement.

Winner: AtoB provides proactive prevention and reliable resolution. Comdata offers tools but struggles with execution.

What Are the Pros and Cons of Each Fuel Card?

AtoB Pros

• Universal acceptance (no routing restrictions)
• 45¢ per gallon average truck stop discounts
• $250K fraud protection with telematics
• Zero transaction fees or out-of-network fees
• Modern mobile app with FuelMap optimization
• 4.6/5 customer rating
• Fast support (29-second avg. response)

AtoB Cons

• Requires a smartphone for the card unlock feature
• Prepaid structure may not suit all cash flow patterns
• Some BBB complaints about service issues for small accounts

Comdata Pros

• Deep truck stop partnerships (up to 40¢/gal at TA Petro)
• 56+ years in business
• Proximity and OneClick fraud tools are available

Comdata Cons

• 8,000-location restriction (out-of-network fees apply)
• $8/month per card + $3 transaction penalties
• 1.5/5 customer rating
• 50–90 minute support wait times
• Email-only fraud department
• 13.99% late fees (vs. 9% at AtoB)

FAQs

Is Comdata a good fuel card?

Comdata works for dedicated over-the-road fleets that fuel exclusively at major truck stop chains and don't mind restricted networks. However, the 1.5/5 Trustpilot rating, $8/month fees, out-of-network fees, and poor customer service make it a weak choice for most operations.

Does Comdata require a credit check?

Comdata typically requires a business credit evaluation for credit-based accounts. Prepaid options may be available, but are not prominently advertised.

How much does the AtoB fuel card cost?

AtoB charges a $35 one-time setup fee and $3/month per card for prepaid accounts. Credit-based accounts start at $15/month for 1–5 cards, then $3/month for each additional card. There are no transaction fees, out-of-network fees, or hidden charges.

Pick the Best Fleet Fuel Card That Saves You More

The AtoB vs Comdata Fuel Card comparison reveals two fundamentally different philosophies: modern flexibility vs. legacy restrictions. When evaluating the best fleet fuel card for your operation, consider how fuel expenses affect your overall fleet costs and cash flow.

Choose Comdata if:

• Your fleet fuels 100% at TA Petro, Pilot Flying J, or Love's
• You never deviate from major truck stop corridors
• You're willing to accept poor customer service for slightly deeper discounts at select locations

Choose AtoB if:

• You want to fuel anywhere without penalties
• You value consistent fuel discounts, low fees, and excellent support
• You operate mixed fleet cards, regional routes, or variable schedules
• You want fraud protection that actually works
• You prefer technology that simplifies comprehensive fleet management tools instead of complicating them

Most fleets operating in today's trucking industry fall into the second category. AtoB delivers $26,000+ more in annual savings for a typical 50-truck operation, plus zero routing headaches, zero transaction fees, and 4.6-star service.

Start saving today—get your AtoB card in minutes.

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Citations

[1] https://www.atob.com/
[2] https://www.atob.com/product-fuel-cards
[3] https://www.atob.com/truck-stop-discount-network
[4] https://www.comdata.com/
[5] https://www.comdata.com/terms/comdata-fleet-card/