AtoB vs WEX Fuel Card: Complete 2025 Comparison Guide

Choosing the wrong fleet fuel card can cost your business thousands of dollars annually through hidden fees, poor discount structures, and operational inefficiencies. With fuel expenses typically representing 30-40% of fleet operating costs, the decision between modern solutions like AtoB and established providers like WEX affects more than just payment processing—it impacts your bottom line, driver productivity, and administrative overhead.

This WEX & AtoB fuel card comparison breaks down the differences between these two approaches to fleet fuel management.

Key Takeaways

• AtoB averages 45 cents per gallon in diesel savings, offering universal acceptance via Mastercard, with a monthly charge of $ 3 for prepaid cards.
• WEX offers up to 15 cents per gallon discounts at 95% of U.S. gas stations, but fees are usually up to $2–$4 per card/month, depending on the product.
• AtoB requires mobile app usage for maximum fuel savings, while WEX operates with traditional card-based systems.
• Both provide comprehensive fraud protection, though AtoB's secure unlock feature prevents unauthorized usage before it happens.
• WEX suits large fleets needing enterprise features; AtoB better serves tech-forward fleets prioritizing aggressive fuel cost reduction
• Total cost analysis heavily depends on fleet size, fueling patterns, and the ability to optimize discount capture.

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What Does AtoB Offer?

AtoB positions itself as a modern financial platform designed specifically for transportation businesses, offering fleet fuel cards that leverage technology for maximum fuel savings and operational control. Small businesses, in particular, benefit from AtoB's streamlined approach and competitive discounts.

Core AtoB Features:

• Discount Network: Average 45 cents per gallon diesel fuel savings, up to $2.00 per gallon at participating stations
• Universal Acceptance: 99.9% acceptance via the Mastercard network at gas stations and truck stops
• Card Options: Unlimited prepaid ($3/3/month) and Flex credit cards ($15/month for 1-5 cards)
• Mobile-First: Secure card unlock and FuelMap features require smartphone usage
• Fraud Protection: Up to $250,000 coverage with proactive prevention systems

The AtoB approach emphasizes technology integration and aggressive cost reduction through partnerships with major truck stop chains, including TA, Petro, Speedway, and RaceTrac. The company's modern platform combines fuel savings with comprehensive expense management, automated IFTA reporting, and real-time operational controls for effective fleet management.

Technology Requirements:

AtoB's maximum discount potential requires consistent mobile app usage for participating station selection and secure card unlocking. This technology dependency can pose a challenge for fleets with less tech-savvy drivers, but it provides superior security features and optimization capabilities for those who adopt digital workflows.

What Are WEX's Options and What Do They Do?

WEX Inc. operates as one of the largest fuel card companies globally, serving over 800,000 businesses through an extensive network built over decades of market presence. The company offers various options, including the WEX fleet card, tailored to meet different business needs.

WEX Card Portfolio:

• WEX Fleet Card: Primary offering with up to 15 cents per gallon savings, requires monthly balance payments
• WEX FlexCard: Credit-style card with promotional 3 cents per gallon rebate for the first six months
• Fleet One EDGE: Specialized trucking card for 1-50 vehicle fleets with an average of 15 cents per gallon savings
• EDGE Savings Network: Extended discounts on tires, auto parts, hotels, and wireless services

WEX's network spans 95% of U.S. gas stations and over 45,000 service locations, offering comprehensive coverage across all major fuel brands and a range of maintenance services. The company's strength lies in its proven reliability and enterprise-grade features, which serve the complex organizational requirements of trucking companies and established enterprises.

Service Integration:

WEX extends beyond branded fuel cards to include maintenance network access, comprehensive reporting systems, and integration with major fleet management platforms. This full-service approach appeals to large organizations seeking vendor consolidation and comprehensive fleet services.

Key Differences Between AtoB and WEX Fuel Cards

Where Can You Use Each Card?

Network coverage represents a critical factor affecting operational flexibility and driver satisfaction across different route patterns and geographic regions. Understanding where you can purchase fuel with each card is essential for fleet efficiency.

AtoB Network Coverage:

• Universal acceptance via Mastercard at virtually all gas stations and truck stops
• No "out-of-network" penalties or restricted locations
• 30,000+ discount partner stations, including major truck stop chains
• Universal acceptance for maintenance, tolls, and other vehicle expenses

WEX Network Coverage:

• 95% acceptance at U.S. gas stations, including Shell stations and Exxon and Mobil stations
• 45,000+ service and maintenance locations
• Tier 1 truck stops (Flying J, Love's, Pilot) excluded from maximum rebates
• Extended network fees up to $3 per transaction at truck stop diesel lanes

Practical Implications:

AtoB's Mastercard-based acceptance eliminates network restrictions but concentrates discount partnerships in high-traffic commercial corridors. WEX's proprietary network provides extensive coverage, but it creates fee penalties for certain location types, which could significantly impact operational costs for truck-heavy fleets.

The coverage trade-off involves operational flexibility versus cost optimization: AtoB provides maximum flexibility with selective discount optimization, while WEX offers predictable fuel savings within defined networks but charges premiums for extended usage.

How Do the Discounts & Rebates Compare?

Discount structures represent the most significant differentiator between these programs, with implications extending far beyond advertised per gallon savings to operational efficiency and route planning requirements.

AtoB Discount Structure:

• Average diesel savings: 45 cents per gallon
• Maximum potential: Up to $2.00 per gallon at participating stations
• Gas savings: 5 cents per gallon at Speedway, 7-Eleven, Casey's locations
• FuelMap optimization: Additional 21 cents per gallon through price comparison
• Technology requirement: Mobile app usage is mandatory for maximum competitive fuel discounts

WEX Discount Structure:

• Standard fuel rebates: 1-3 cents per gallon at most locations
• Savings network: 3-15 cents per gallon at participating stations
• Volume requirement: Maximum fuel rebates require 5,000+ gallons monthly
• FlexCard promotion: 3 cents per gallon for the first six months
• Network restrictions: Tier 1 truck stops are excluded from the highest rebates

Effectiveness Analysis:

AtoB's aggressive discount structure can deliver substantial cost savings for fleets willing to adapt operations around participating stations. The average 45-cent-per-gallon savings significantly exceeds WEX's standard offerings; however, achieving maximum benefits requires consistent use of technology and optimized station selection.

WEX's more conservative approach provides predictable fuel savings without operational constraints, but it limits the maximum potential for savings. The volume requirements and network restrictions mean smaller fleets or those with inflexible routing may achieve minimal benefits from the discount programs.

For a fleet purchasing 100,000 gallons annually, AtoB's average savings could total $45,000, compared to WEX's potential savings of $1,500 to $15,000, depending on volume achievement and network participation. However, AtoB's fuel savings require active management and technology adoption that may not be suitable for all operational cultures. Both cards help reduce fuel costs and manage monthly fuel purchases effectively.

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What Are the Fee Structures & Costs?

Understanding the total cost of ownership requires analyzing not only advertised monthly fees but also hidden charges, transaction costs, and administrative expenses that accumulate over time.

AtoB Fee Structure:

• Prepaid cards: $3 per month per active card
• Credit cards: $15 per month for 1-5 cards, then scaled pricing
• Setup fee: $35 one-time account establishment
• Premium service: An Additional $3 per month for advanced features
• No out-of-network fees or transaction penalties

WEX Fee Structure:

• Monthly fees: Up to $2 per card
• Setup fee: $40 for account establishment
• Extended network: Up to $3 per transaction at truck stops
• Replacement fees: $2 per card
• Administrative charges: Paper delivery ($10/month), reproduced reports ($25), research fees ($15/hour)

Cost Comparison Analysis:

For a 25-card fleet, annual fees would be:

• AtoB: $900 (prepaid) or $180 (credit) plus $35 setup
• WEX: Up to $1,200 plus $40 setup, before transaction fees

The fee differential becomes more pronounced when including WEX's extended network charges and administrative fees. A fleet with significant truck stop usage could incur hundreds or thousands of additional transaction fees that are not covered by AtoB's flat-rate structure.

However, cost-effectiveness depends on the actual savings achieved. WEX's higher annual or monthly fees might be justified if its network provides better savings opportunities for specific fleet patterns. In contrast, AtoB's lower fees could be offset if technology requirements limit the capture of discounts.

What Controls, Tools & Extra Features Does Each Provide?

Modern fuel card programs must provide sophisticated spending controls and management tools that extend beyond basic payment processing to comprehensive fleet management capabilities. These expense management tools help monitor fuel usage and optimize operational costs.

AtoB Control Features:

• Real-time spending limits and restrictions to set spending limits
• Secure card unlock through mobile app
• GPS location verification for fuel transactions
• Telematics integration for fraud prevention
• Automated IFTA reporting and tax calculations
• Instant card activation and deactivation
• QuickBooks integration for expense management

WEX Control Features:

• Comprehensive spending controls by product, time, location, and amount
• Driver PIN requirements and transaction tracking
• Fleet SmartHub mobile application for account management
• Advanced reporting with customizable parameters
• Integration with major fleet management platforms
• 24/7 customer service availability
• AI-powered transaction monitoring for fuel card data analysis

Technology Integration:

AtoB's mobile-first approach provides a superior user experience for tech-savvy operations, but it creates a dependency on smartphone usage. WEX's comprehensive platform offers proven enterprise capabilities with gradual technology adoption options that don't require operational changes.

Both platforms provide essential fleet management tools, but AtoB emphasizes automation and user-friendly interfaces while WEX focuses on comprehensive functionality and system integration capabilities. Both help businesses track spending and manage fleet expenses effectively.

How Strong Are the Security & Fraud Protections?

Fraud protection is a critical consideration for fuel card programs, as unauthorized usage can result in substantial financial losses and increased administrative overhead. Preventing fuel theft is crucial for maintaining operational efficiency and minimizing costs.

AtoB Security Approach:

• Secure card unlock prevents unauthorized usage even with physical card access
• GPS location verification ensures appropriate transaction locations
• Telematics integration validates fuel purchases against vehicle data
• Fraud protection up to $250,000 based on eligibility
• Real-time monitoring with immediate alerts
• Proactive prevention rather than reactive detection

WEX Security Systems:

• AI-powered fraud detection with less than 1 in 12,000 fraudulent fuel transactions
• Driver authentication with PIN requirements
• Comprehensive spending controls and transaction limits
• Real-time monitoring with automatic blocking capabilities
• Two-factor authentication at fuel pumps
• Dedicated fraud investigation team support

Security Philosophy:

AtoB's approach prevents fraud before it occurs through technology-enabled controls, while WEX employs sophisticated detection systems to identify and respond to fraudulent activity. Both methods provide effective protection, but they require different operational procedures and varying levels of technology adoption.

The secure card unlock feature provides AtoB with unique fraud protection capabilities that traditional card systems cannot match. At the same time, WEX's AI-powered detection represents industry-leading capabilities for identifying suspicious patterns and preventing financial losses.

AtoB vs WEX: Side-by-Side Comparison Table

Which Fuel Card Is Right for Your Business?

Selecting between AtoB and WEX depends on business characteristics, operational priorities, and organizational culture regarding technology adoption and cost optimization strategies. Consider how much fuel your fleet consumes and whether you need a business gas card or more comprehensive fleet fuel credit cards.

Choose AtoB If You:

• Operate fewer than 100 vehicles with substantial fuel consumption
• Prioritize aggressive cost optimization over operational simplicity
• Have tech-savvy drivers comfortable with smartphone-based procedures
• Want transparent pricing without hidden fees or transaction charges
• Need rapid customer support and modern digital interfaces
• Prefer automated compliance reporting and expense management tools
• Can adapt fueling patterns to optimize discount capture

Choose WEX If You:

• Manage large fleets requiring enterprise-grade features and reporting
• Need proven reliability with extensive network coverage
• Prefer traditional operational procedures without technology dependencies
• Require comprehensive integration with existing business systems
• Value established vendor relationships and long-term stability
• Have complex organizational requirements needing dedicated account management
• Can leverage volume-based discounts through high fuel consumption

Hybrid Considerations:

Some businesses may benefit from using both cards strategically — AtoB for cost optimization and WEX for comprehensive network coverage during unique situations or specific operational requirements. Both serve as effective business credit cards for different operational needs.

The AtoB platform offers immediate cost impact for businesses ready to embrace technology-enabled optimization, while WEX provides comprehensive enterprise solutions for organizations prioritizing proven reliability and extensive key features.

Also read: AtoB vs Fuelman

FAQs

Are WEX fuel cards worth it?

WEX fuel cards offer value for large fleets with monthly consumption exceeding 5,000 gallons, enabling them to leverage volume-based discounts and comprehensive enterprise features. However, smaller fleets may find better value with lower-cost alternatives given WEX's higher fee structure and complex pricing model. The fuel card program is well-suited for established businesses that require comprehensive fleet management.

Are there annual fees or hidden fees with AtoB or WEX fuel cards?

AtoB offers transparent monthly pricing ($3 prepaid, $15 credit) with a $35 setup fee and no hidden charges. WEX employs complex fee structures, including monthly fees of up to $2 per card, a $40 setup fee, extended network charges of up to $3 per transaction, and various administrative fees that can accumulate significantly.

Can I use AtoB or WEX fuel cards for non-fuel purchases?

Both cards support vehicle and business-related expenses, including maintenance, tolls, tires, and repairs. AtoB provides universal acceptance via Mastercard for broad merchant coverage, while WEX offers access to 45,000+ service locations with spending controls to manage purchase categories. These business gas credit cards also report to business credit bureaus for credit building.

Which fuel card is easier to qualify for: AtoB or WEX?

AtoB offers both prepaid and credit options with streamlined approval processes that don't require established business credit for prepaid cards. WEX requires a personal guarantee as of 2022 and evaluates both business and personal credit profiles, which may limit accessibility for newer businesses or those with credit challenges.

Final Thoughts

Choosing between AtoB and WEX comes down to what matters most to your business: new technology or proven systems. AtoB focuses on technology and offers big discounts, which can save fleets a significant amount of money if they are comfortable using mobile apps. WEX offers a comprehensive business platform with reliable systems and numerous features that are well-suited for larger companies.

Success with either card depends on selecting the one that best fits your business. AtoB works well for businesses that want to save money and are open to using new technology. WEX works better for established companies that need proven systems they can rely on, rather than flashy new features.

Consider starting with AtoB's modern platform if aggressive cost savings and technology integration align with your operational culture, or explore WEX's comprehensive offerings for enterprise-grade features and established reliability in complex fleet environments. Both provide preventative maintenance services, expense tracking, and help manage fuel discounts effectively.

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Citations:
[1] https://www.volopay.com/blog/best-fuel-cards-for-businesses/
[2] https://www.pfleet.com/blog/wex-vs-voyager
[3] https://www.atob.com/blog/best-fleet-fuel-cards
[4] https://www.wexinc.com/products/fuel-cards-fleet/compare-fleet-fuel-cards/
[5] https://www.atob.com/product-fuel-cards

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