AtoB vs Roadflex: Which Fuel Card Offers Better Value for Your Fleet?

Choosing the right fuel card can save your fleet thousands of dollars annually—or cost you more in hidden fees and limited coverage. Both AtoB and Roadflex promise universal acceptance, transparent pricing, and advanced fraud protection, but which platform truly delivers better value for trucking companies and fleet operators?

Key Takeaways

• AtoB vs Roadflex both offer Visa/Mastercard-based universal fuel cards, eliminating network restrictions that plague traditional fuel cards.
• AtoB provides deeper truck stop discounts (averaging 45¢ per gallon vs Roadflex's 3¢ baseline), making it stronger for long-haul trucking operations.
• Roadflex charges $25 for account setup vs AtoB's $35, though both charge a $3/month per card fee with no transaction charges.
• Security features differ: AtoB emphasizes telematics integration, while Roadflex focuses on SMS unlock and AI-powered fraud detection.

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AtoB vs Roadflex Quick Comparison Table Guide

Both platforms eliminate the out-of-network fees and transaction charges that make branded fuel cards expensive. However, their discount structures and ideal customer profiles differ significantly.

How Do Each Card Compare in Their Application & Approval Process?

AtoB and Roadflex application timelines favor businesses that need immediate access. Both fuel card companies offer prepaid card options with no personal credit check and minimal documentation requirements.

AtoB's application process requires:

• Employer identification number (EIN)
• Valid driver's license
• Bank statements from the past three months
• Instant approval for most applicants on the Unlimited prepaid card
• 1-7 business days for Flex credit card approval

Roadflex's application process requires:

• Basic business details
• Fleet size and estimated fuel volume
• No personal guarantee or credit score requirements
• 1-7 days for Prestige charge card approval

The key difference: AtoB approves spending limits up to $2,500 within 10 minutes for qualified applicants, while Roadflex emphasizes flexibility in setting your own prepaid limits based on how much you load onto cards (ATRI, 2024).

Neither platform has minimum fleet size requirements, making both accessible to solo owner-operators and large multi-vehicle fleets alike. Get started with AtoB to receive instant approval and start capturing fuel discounts.

Which Provides Stronger Security and Protection Features?

Fraud costs fleets 5-10% of annual fuel spending without proper controls, making security features critical when comparing AtoB vs Roadflex.

AtoB's security framework includes:

• Instant card lock/unlock through mobile app
• Secure card unlock requiring driver authentication before each fuel purchase
• Telematics validation ensuring vehicles are within 100 meters of the purchase location
• Fuel level validation prevents tank capacity overfills
• Real-time transaction alerts for unusual activity
• Fraud guarantee coverage up to $250,000 based on fleet size

Roadflex's security framework includes:

• SMS-based unlock with 15-minute active windows
• EMV chip technology prevents card cloning
• Location validation through telematics integration
• Fuel type matching to prevent wrong fuel purchases
• AI-powered retroactive fuel analysis detecting anomalies
• 38% reduction in fueling policy violations for customers

Both platforms integrate with leading telematics providers (Geotab, Samsara, Verizon Connect) to validate purchase locations against vehicle GPS data. This prevents unauthorized use even when fleet cards are physically stolen.

The decisive advantage: AtoB's $250,000 fraud guarantee exceeds Roadflex's unspecified coverage by a substantial margin, providing stronger financial protection for larger fleets with significant fuel volumes.

How Do AtoB and Roadflex Compare in Terms of Fees and Costs?

Hidden fees destroy fuel card ROI, making transparent pricing essential. Both AtoB and Roadflex explicitly advertise "no hidden fees," but their published fee schedules reveal subtle differences.

AtoB fee structure:

• One-time account setup: $35
• Monthly card fees: $3/card (Unlimited)
• Monthly fee: $15 for 1-5 cards, then $3/card (Flex)
• Premium features: $3/card additional
• Transaction fees: $0
• Out-of-network fees: $0
• Card replacement: $0
• Credit enablement: $75 setup + up to $0.30/gallon for fixed duration

Roadflex fee structure:

• One-time account setup: $25 (Unlimited), $0 (Prestige)
• Monthly card fees: $3/card (both products)
• Premium features: Custom pricing
• Transaction fees: $0
• Out-of-network fees: $0
• Invoice fees: $0
• Late payment fees: $0

For a five-card fleet, annual costs break down as follows:

Roadflex saves $10 on setup costs, but both platforms maintain identical $3/month per card pricing for prepaid options. The real cost difference emerges in discount capture rather than card fees.

Which Card Is Easier to Use for Fleet Managers and Drivers?

User experience determines daily adoption rates. If drivers struggle with card functionality or fleet managers can't quickly access spending data, even the best discount programs fail to deliver value.

AtoB platform features:

• Web dashboard and mobile app (iOS/Android)
• Individual card controls by driver, vehicle, or department
• Merchant whitelisting and blacklisting
• Operating hour restrictions
• Real-time transaction alerts
• QuickBooks integration for automated expense categorization
• IFTA-compliant fuel tax reporting

Roadflex platform features:

• Web dashboard and mobile app (iOS/Android)
• Granular spending limits (transaction, daily, weekly, monthly)
• Merchant category restrictions
• Location-based purchase validation
• Real-time alerts for approved/declined transactions
• QuickBooks and Xero integration
• IFTA automated reporting
• 24/7 customer assistance with dedicated account managers (premium)

Both platforms enable fleet managers to set per-transaction limits, restrict purchase categories, and receive instant notifications of card activity. Drivers can access digital receipts, view transaction history, and locate nearby fuel stations through mobile apps.

Switch to AtoB to experience streamlined fleet management with industry-leading discount programs designed specifically for trucking operations.

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Where Are AtoB and Roadflex Cards Accepted? What Is Their Network Coverage?

Network acceptance determines whether drivers can fuel conveniently or waste time searching for approved locations. Both AtoB and Roadflex solve this problem through major card network partnerships.

AtoB acceptance network:

• Accepted at 99%+ of U.S. gas stations and truck stops
• Mastercard universal acceptance
• 140,000+ fuel stations nationwide
• Partner network includes TA, Petro, TA Express, Speedway, RaceTrac, Kwik Trip, Chevron, and 7-Eleven.
• International acceptance through the Mastercard network
• Can port existing discounts from TA Petro, Speedway, RaceTrac, Love's (but not Pilot Flying J)

Roadflex acceptance network:

• Accepted at any location accepting Visa
• 140,000+ fuel stations and truck stops nationwide
• Partner network includes Shell, BP, 76, Exxon, Mobil, Sunoco, Gulf, Citgo, Refuel, Double Quick
• International acceptance through the Visa network
• Particularly strong coverage in the Northeast/Mid-Atlantic (Global Partners partnership)

The critical advantage of both platforms: universal acceptance eliminates routing inefficiencies. Traditional fuel cards force drivers to detour to in-network stations, adding miles, time, and wear-and-tear costs that often exceed fuel savings (U.S. Department of Transportation, 2024).

With AtoB vs Roadflex, drivers purchase fuel wherever it is most convenient along their routes—at busy truck stops, rural independent stations, or urban convenience stores—without worrying about out-of-network penalties.

How Do AtoB and Roadflex Compare in Terms of Fuel Savings & Discounts?

Fuel discounts directly impact fleet profitability, making this the most critical comparison factor. AtoB vs Roadflex discount structures target different operational models.

AtoB discount program:

• Average 45 cents per gallon at truck stops where fleets fuel most frequently
• Average 5 cents per gallon at gas stations
• Up to $2.00/gallon maximum savings at select locations
• Discounts will apply automatically at the point of sale
• No limits on discounted gallons
• Discount porting available for existing relationships (except Pilot Flying J)

Roadflex discount program:

• 3 cents per gallon baseline discount at ALL stations nationwide (Unlimited: 3¢, Prestige: 2¢)
• 4-10 cents per gallon
• Enhanced discounts at Global Partners, Refuel, and Double Quick locations
• 1% cashback on all non-fuel purchases
• No limits on discounted gallons
• Average 11% annual fuel cost savings for customers

Example savings calculation for a long-haul trucking fleet:

A fleet purchasing 100,000 gallons annually of truck diesel at truck stops:

• AtoB savings: 100,000 gallons × $0.45 = $45,000/year
• Roadflex baseline savings: 100,000 gallons × $0.02-0.03 = $2,000-3,000/year
• Roadflex partner savings (if fueling at partner locations): 100,000 × $0.05-0.10 = $5,000-10,000/year

For trucking companies that primarily fuel at major truck stops, AtoB's 45¢ average discount delivers 4.5-15x greater savings than Roadflex's baseline fuel card program. However, Roadflex's universal baseline discount ensures savings at every transaction, regardless of location.

For local delivery fleets using gas stations:

A fleet purchasing 50,000 gallons annually of unleaded:

• AtoB savings: 50,000 gallons × $0.05 = $2,500/year
• Roadflex savings: 50,000 gallons × $0.03 = $1,500/year baseline, plus 1% cashback on non-fuel

AtoB's discount advantage extends across both diesel truck operations and gasoline light-duty fleets, though the margin narrows for gas-station-focused fleet operations.

Which Platform Offers Better Expense Management and Controls?

Expense visibility prevents cost overruns and identifies optimization opportunities. Both AtoB vs Roadflex provide comprehensive reporting with expense management tools, but their approaches differ.

AtoB expense management features:

• Transaction-level detail by card, driver, vehicle, department
• Real-time spending dashboards
• Customizable reporting templates
• AI-powered insights dashboard highlighting anomalies
• IFTA-compliant tax reporting by jurisdiction
• QuickBooks integration for automated categorization
• Multi-user dashboard with role-based permissions
• AtoB FuelMap route optimization (premium tier)

Roadflex expense management features:

• Transaction-level reporting with merchant, date, amount, gallons, price/gallon, fuel type
• Driver and vehicle performance benchmarking
• Customized reporting by location, fuel type, vehicle category
• Automated IFTA compliance reports
• QuickBooks and Xero integration
• Open API for custom integrations

Both platforms eliminate manual receipt collection and data entry, automatically syncing transaction data into accounting systems with expense tracking capabilities. Fleet managers report closing books 70% faster with Roadflex's automated categorization.

The advantage for complex multi-location fleets: AtoB's FuelMap optimization identifies the lowest-cost fuel stops along planned routes, saving an average of 21 cents per gallon through smart routing. This combines algorithmic optimization with discount networks to maximize cumulative savings.

How Do AtoB and Roadflex Handle Payments and Card Features?

Payment flexibility determines cash flow management capabilities. AtoB vs Roadflex both offer prepaid and credit options with distinct payment models.

AtoB payment options:

• Prepaid Unlimited card: Load funds before use
• Flex credit card: Weekly or monthly billing cycle
• Automatic ACH withdrawals
• Online payment portal
• Electronic funds transfers
• Check payments accepted

Roadflex payment options:

• Prepaid Unlimited card: Set your own limits based on loaded funds
• Prestige charge card: Line of credit with flexible terms
• Automatic ACH withdrawals
• Online payment portal
• No late payment fees
• No overdraft fees

Both platforms process prepaid transactions immediately from loaded balances, while credit options follow traditional billing cycles. Neither charges ACH fees, invoice fees, or payment processing charges—a significant advantage over traditional fuel cards that impose $2-10 invoice fees and 12% late payment penalties.

The cash flow advantage for growing fleets: Prepaid cards provide absolute spending control without requiring credit evaluation, while business credit cards provide working capital flexibility for established operations with seasonal volume fluctuations.

Which Fuel Card Streamlines Fleet Administration More Effectively?

Administrative burden consumes fleet manager time that could be spent on optimization and growth. Both platforms significantly reduce paperwork compared to legacy systems.

AtoB administrative benefits:

• Eliminates manual receipt collection
• Automates expense categorization
• Provides consolidated reporting across all fleet activity
• Integrates with telematics for automated compliance
• Enables instant card provisioning (physical and virtual)
• Streamlines IFTA quarterly filing
• Reduces the month-end close time

Roadflex administrative benefits:

• Saves 60+ hours/month on fuel reconciliation
• Closes books 70% faster through automation
• Eliminates manual audits
• Provides instant virtual card creation in seconds
• Automates IFTA compliance reporting
• Integrates with fleet management software (Fleetio, FleetUp)
• Open API enables custom workflow automation

Fleet managers report spending 15-20 hours weekly on fuel expenses management with traditional cards, compared to 2-3 hours with modern platforms like AtoB vs Roadflex. This time savings translates to 12-18 hours weekly of productive capacity redirected to route optimization, driver coaching, and business development.

For multi-vehicle operations managing diverse job sites, AtoB's platform enables project-specific card assignment with automatic cost allocation, simplifying billing and profitability analysis.

Which Fuel Card Offers Better Visibility and Transparency in Spending?

Spending visibility prevents fraud and identifies cost reduction opportunities. Real-time data access transforms reactive expense management into proactive cost control through advanced spending controls.

AtoB transparency features:

• Real-time transaction notifications (SMS, email, app)
• Transaction-level detail, including merchant, location, timestamp, amount, gallons, price
• Exception reporting flagging unusual patterns
• Driver performance benchmarking
• Vehicle fuel efficiency tracking
• Merchant-level spending analysis
• Custom alert thresholds

Roadflex transparency features:

• Real-time alerts for approved/declined fuel transactions
• Itemized transaction details with fuel type, price/gallon, and location
• Driver and vehicle performance rankings
• AI-powered anomaly detection
• Retroactive fuel analysis correlating gallons to miles driven
• Customizable reporting by any dimension
• 38% reduction in policy violations through visibility

Both platforms provide identical transaction information and real-time alerts, ensuring fleet managers can track spending and respond immediately to unauthorized activity or policy violations.

The analytics advantage: Roadflex's AI-powered, retroactive analysis automatically identifies fuel-efficiency anomalies, suggesting mechanical issues, unauthorized fuel purchases, or driver behavior issues requiring intervention. This proactive detection prevents small problems from becoming expensive failures.

What Are the Benefits & Drawbacks of Using Each Card?

Every fuel card involves tradeoffs. Understanding the strengths and limitations of AtoB vs Roadflex helps match solutions to specific fleet needs.

AtoB Benefits:

• Industry-leading truck stop discounts (45¢ average)
• $250,000 fraud guarantee coverage
• Instant approval without credit checks
• No transaction fees or out-of-network penalties
• Comprehensive telematics integration
• FuelMap route optimization
• Strong support for trucking operations

AtoB Drawbacks:

• Higher account setup fee ($35 vs $25)
• Mastercard acceptance is slightly narrower than Visa
• Cannot port Pilot Flying J discounts
• Premium features add $3/card monthly
• Flex credit pricing is higher for small fleets

Roadflex Benefits:

• Universal baseline discounts at ALL stations
• 1% cashback on all non-fuel purchases
• Lower setup fee ($25)
• 4.9/5 customer satisfaction rating
• Strong Northeast/Mid-Atlantic coverage through Global Partners
• Saves 60+ hours/month on reconciliation
• AI-powered fraud detection

Roadflex Drawbacks:

• Lower baseline discounts (3¢ vs 45¢ at truck stops)
• Unspecified fraud guarantee coverage
• Enhanced discounts require fueling at partner locations
• $100 transaction limits at some gas stations
• Custom pricing for premium features lacks transparency

For long-haul trucking companies prioritizing maximum fuel savings, AtoB's 45¢ average discount at truck stops delivers superior ROI. For mixed fleets operating locally with diverse fueling patterns, Roadflex's universal baseline plus flexible controls may provide better overall value.

What Makes AtoB and Roadflex Popular Fleet Card Options?

Both platforms solve fundamental problems that plague traditional fuel cards: network restrictions, hidden fees, weak fraud controls, and poor reporting.

Both platforms demonstrate strong market validation through documented customer success stories, high satisfaction ratings, and measurable ROI in the form of fuel savings, time savings, and fraud reduction.

The bottom line: AtoB excels for trucking companies prioritizing the highest fuel discounts at truck stops, while Roadflex offers superior flexibility for diverse fleet types with varied operational patterns.

Get started with AtoB today to unlock 45 cents per gallon average savings and eliminate hidden fees destroying your fuel budget.

FAQs

Do both AtoB and Roadflex require a credit check?

Neither fuel card provider requires credit checks for their prepaid card options (AtoB Unlimited and Roadflex Unlimited).  Credit-based cards (AtoB Flex and Roadflex Prestige) require a credit evaluation and take 1-7 days to be approved.

Are there any hidden fees with AtoB or Roadflex?

Both platforms explicitly commit to transparent pricing with no hidden fees. Neither charges transaction, out-of-network, card replacement, or invoice fees. AtoB charges a $35 account setup fee, while Roadflex charges $25. Monthly card fees are $3 per card for both platforms' prepaid options.

Which is better for small businesses?

For long-haul trucking companies with 1-10 trucks that primarily fuel at truck stops, AtoB delivers superior value through average discounts of 45 cents per gallon, saving $4,000-$8,000 annually per truck. For local delivery or mixed fleets with diverse fueling patterns, Roadflex's universal baseline discount ensures savings at every transaction, and 1% cashback on non-fuel purchases provides additional value for vehicle maintenance and repair expenses.

Find the Best Fleet Fuel Card for Your Fleet Today

Choosing between AtoB vs Roadflex depends on your operational profile, fueling patterns, and fleet management priorities. Both platforms eliminate the hidden fees, network restrictions, and weak fraud controls that make traditional fuel cards expensive and frustrating.

Choose AtoB if you:

• Operate long-haul trucking with heavy diesel consumption at major truck stops
• Want industry-leading fuel discounts (45¢ average)
• Need strong fraud protection ($250,000 guarantee)
• Value route optimization and comprehensive trucking-focused features

Choose Roadflex if you:

• Run mixed local/regional fleets with diverse fueling locations
• Want guaranteed savings at every station nationwide (3¢ baseline)
• Need 1% cashback on all non-fuel vehicle expenses
• Prefer AI-powered analytics and anomaly detection

Both platforms deliver measurable ROI through fuel savings, reduced administrative time, and fraud prevention. The right choice depends on which discount structure aligns with your actual fueling behavior.

Ready to save money? Sign up for AtoB and begin capturing 45 cents per gallon average discounts at truck stops nationwide—with instant approval, no credit checks, and zero hidden fees.

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Citations

[1] https://www.atob.com/
[2] https://www.roadflex.com/
[3] https://www.capterra.com/p/10012600/RoadFlex/
[4] https://www.fleetmanagementweekly.com/roadflex-fuel-management-reimagined/
[5] https://truckingresearch.org/