Fuel Card Companies Comparison 2025: Complete Guide for Fleet Managers

Fuel costs can make or break your fleet's profitability, with diesel prices fluctuating by $ 1 or more per gallon and fuel accounting for up to 40% of total operating costs. Choosing the wrong fuel card could cost your business thousands of dollars per month.

A fuel card companies comparison for 2025 involves evaluating fleet fuel cards that help fleet operators manage fuel expenses, control spending, and reduce costs through specialized discount networks and fleet management features.

Key Takeaways

• Top providers include AtoB, Fuelman, Shell Fleet Navigator, EFS, Coast, Comdata, RTS Financial, Motive, Mudflap, and P-Fleet
• Discounts of 45¢ on average and up to $2 per gallon at the stations you fuel at most
• Card fees range from zero monthly charges to $8+ per card monthly
• AtoB leads with up to 45¢ per gallon truck stop discounts, universal acceptance, and $250,000 fraud protection
• Credit requirements vary dramatically, with some providers offering no-credit-check options
• Small vs large fleets have different optimal providers based on operational needs

Ready to cut your fuel costs immediately? Get started with AtoB and start saving up to 45¢ per gallon today.

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Top 10 Fuel Card Companies Comparison

1. AtoB

AtoB delivers modern fuel management with universal Mastercard acceptance and industry-leading discounts. The platform combines competitive fuel savings with advanced fleet management tools designed for today's operations.

Key Features:

• Up to 45¢ per gallon discounts at truck stops, and up to $2 per gallon at gas stations
• Universal acceptance at 99% of stations nationwide
• Fraud protection up to $250,000
• Real-time expense tracking and automated IFTA reporting
• Mobile app with fuel optimization and route planning
• Spending controls to set spending limits and manage employee spending

Pricing: Unlimited Card (prepaid) $3/month per card + $3 per month for AtoB Premium add-on; Flex Card (credit) $15/month for 1-5 cards + $3 additional cards

Best For: Mixed fleets, small businesses wanting transparency, operations needing comprehensive fraud protection

2. Fuelman (FleetCor)

Fuelman offers established fuel management through FleetCor's extensive network, serving businesses from small operations to large national fleets.

Key Features:

• 60,000 gas stations and truck stops
• Volume-based fuel rebates for larger fleets
• Industry-specific solutions for trucking companies
• 24/7 customer service
• Diesel fleet card options for commercial operations

Pricing: $4-12/card monthly plus $39-99 account fees

Best For: Established businesses with predictable fuel consumption, large volume operations

3. Shell Fleet Navigator

Shell Fleet leverages its retail network for integrated fuel management, combining brand consistency with nationwide coverage through its branded fuel cards.

Key Features:

• 12,000+ Shell stations nationwide
• Up to 6¢ per gallon rebates at Shell stations
• Fuel rewards program integration
• Maintenance discounts at partners
• Shell Card Business options for various fleet sizes

Pricing: Varies by program, small business options with no fees

Best For: Areas with strong Shell coverage, brand consistency preference

4. EFS (WEX)

EFS specializes in over-the-road trucking companies with comprehensive truck stop networks and services for professional drivers.

Key Features:

• 12,000+ truck stops nationwide
• 15¢ per gallon average savings
• Cash advance and ATM services
• Trucking industry expertise
• WEX Fleet Card integration for larger operations

Pricing: Varies by service level and fleet size

Best For: Over-the-road trucking operations, fleets needing driver cash services

5. Coast

Coast provides modern fuel management with universal Visa acceptance and transparent pricing for small to medium businesses.

Key Features:

• Universal Visa acceptance
• Real-time controls and visibility
• $25,000 fraud protection
• Integration with fleet management tools
• Employee spending controls and monitoring

Pricing: $4/card monthly, no setup fees

Best For: Small businesses prioritizing simplicity

6. Comdata (FleetCor)

Comdata focuses on commercial trucking, offering specialized services and deep discounts at truck stops.

Key Features:

• 8,000 truck stops nationwide
• Cash price access (5-15¢ per gallon savings)
• Additional discounts 8-25¢ per gallon at select locations
• Trucking industry specialization
• Fuel theft protection through advanced monitoring

Pricing: Up to $8/card monthly plus transaction fees

Best For: Over-the-road trucking prioritizing maximum discounts

7. RTS Financial

RTS Financial offers boutique service for transportation companies with personalized account management.

Key Features:

• Personalized service and support
• Transportation industry expertise
• Flexible credit terms
• Customizable reporting for fleet expenses

Best For: Transportation companies seeking personalized service

8. Motive

Motive combines fuel cards with comprehensive fleet management and telematics for integrated operational optimization.

Key Features:

• Integrated fleet management system
• Real-time tracking and telematics
• Automated compliance reporting
• Safety and performance analytics
• Fuel efficiency monitoring and reporting

Best For: Fleets seeking integrated telematics and fuel management

9. Mudflap

Mudflap offers mobile-first fuel savings without traditional card requirements, appealing to owner-operators.

Key Features:

• Instant discounts through the mobile app
• No credit checks required
• Real-time discount visibility
• Transaction-based model with no monthly fees
• Works at major fueling stations nationwide

Best For: Owner-operators, small operations, businesses with credit constraints

10. P-Fleet

P-Fleet provides regional fuel management with Pacific Northwest specialization and localized partnerships.

Key Features:

• Strong Pacific Northwest coverage
• Regional discount partnerships
• Localized customer service
• Flexible terms for diverse fleet types
• Pilot Flying J partnership for expanded coverage

Best For: Pacific Northwest operations, regional expertise requirements

Want to see how AtoB compares? Start your free comparison and discover your potential savings.

Comparison Table

Which Fuel Card Company Offers the Best Discounts?

The best discount depends on your fleet type and operational patterns when comparing fuel cards:

Truck Stop Leaders:

• AtoB: Up to 45¢ per gallon with universal acceptance flexibility
• Comdata: 8-25¢ per gallon plus cash pricing (additional 5-15¢ per gallon)
• TCS: 48¢ per gallon average at select locations (limited availability)

Mixed Fleet Value:

• AtoB: 45¢ per gallon truck stops + 5¢ per gallon gas stations
• Fuelman: Volume-based discounts for larger fleets

Universal Networks:

• Voyager: Consistent 3-8¢ per gallon across 97% of stations
• Coast: 2¢ rebate plus 1% cash back on non-fuel purchases

Fuel Rebates Programs:
Many providers offer fuel rebates based on monthly volume, with higher consumption leading to increased savings per dollar spent. The best fleet fuel card for discounts often depends on how much fuel your operation consumes and where your vehicles typically purchase fuel.

The winner varies by operation: Over-the-road fleets benefit most from truck stop specialists like Comdata. In contrast, mixed fleet card users find superior value in dual-discount programs, such as AtoB's offering.

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How Do Fuel Card Company Fees Compare?

Card fees dramatically impact total fuel costs and overall fleet expenses:

Zero-Fee Options:

• Voyager: No transaction fees
• Mudflap: No monthly fees (transaction-based model)

Low-Fee Leaders:

• AtoB: $3/month prepaid or $15/month credit (1-5 cards)
• Coast: $4/month per card, no hidden fees

Higher-Fee Programs:

• WEX Edge Savings Network: Up to $2/card + $3 transaction fees + admin charges
• Fuelman: $4-12/card + $39-99 account fees = $139-399/month (25 cards)
• Comdata: Up to $8/card monthly fees plus transaction fees

Fee Impact on Business Money:
For businesses managing cash flow, understanding total fees is crucial. A business gas card with high monthly fees can negate fuel savings, especially for smaller operations. Consider the total cost per transaction and monthly fees when evaluating fuel card programs.

Hidden Fee Alert: Transaction fees ($3 each), administrative charges ($10-$ 25), and network access fees can add thousands of dollars annually. Always calculate total cost per dollar spent, not just advertised rates.

What Are the Network Coverage Differences Between Fuel Card Providers?

Network coverage directly impacts operational flexibility and fueling stations access:

Universal Acceptance (99%+ stations):

• AtoB: Mastercard network, no route restrictions at gas stations and truck stops
• Coast: Accepts Visa Network, maximum flexibility

Extensive Proprietary Networks:

• Voyager: 97% of gas stations and truck stops
• WEX Edge Savings Network: 95% coverage through partnerships

Specialized Networks:

• EFS: 12,000+ truck stops (commercial focus)
• Comdata: 8,000 truck stops (quality over quantity)
• Shell Fleet: 12,000+ Shell stations plus limited broader access

Regional and Brand-Specific Coverage:

• CFN: Western US focus (65,000 total locations)
• Pilot Flying J: Major truck stop chain with extensive coverage
• Shell Card Business Flex: Primarily Shell locations with some partner access

Unleaded Fuel vs Diesel Access:
Different fuel card providers offer varying levels of access to unleaded fuel versus diesel options. Universal fuel card providers typically offer both fuel types at most locations, while specialized providers may focus more heavily on diesel availability at truck stops.

Coverage Impact: Universal networks provide maximum convenience but may offer lower discounts. Specialized networks provide deeper savings but require route planning around participating locations.

How Do Credit Requirements Vary Among Fuel Card Companies?

Credit requirements create different accessibility levels for fuel card companies:

Traditional Requirements (Most Providers):

• Minimum 580-650 business credit score
• Personal guarantees for small businesses
• Financial statements and tax returns
• Business bank account verification

Flexible Options:

• AtoB: No credit check options available
• Coast: Accessible to various credit profiles
• RTS Financial: Flexible qualification criteria

No-Credit-Check Solutions:

• AtoB: Prepaid options eliminate credit requirements
• Mudflap: Mobile payment model, no credit evaluation

Credit Building with Business Fleet Cards:
Several fuel card providers report payment history to business credit bureaus, helping build commercial credit through consistent usage. This can improve your business fleet's financial profile over time.

Documentation Typically Required:

• Business license and tax ID
• Proof of business operations
• Bank account information
• Fleet size and operational details

Looking for flexible credit options? Apply with AtoB regardless of your credit profile.

Which Fuel Card Companies Are Best for Small Fleets vs Large Fleets?

Different fleet sizes have distinct optimal fuel card providers:

Small Fleets (Under 25 Vehicles)

Top Choices:

• Voyager: Zero transaction fees eliminate ongoing costs
• AtoB: $3/month prepaid with substantial discounts
• Coast: $4/month with universal acceptance
• Shell Card Business Flex: No-fee small business programs

Key Priorities for Small Businesses:
Minimal fees, simple administration, universal acceptance, and the ability to track spending without complex systems. Small businesses often benefit most from business fuel card options that don't require large volume commitments.

Large Fleets (100+ Vehicles)

Top Choices:

• WEX Fleet Card: Enterprise analytics and integration
• AtoB: Scales with premium features and fraud protection
• Fuelman: Volume discounts and comprehensive service
• Comdata: Specialized trucking companies services

Key Priorities:
Advanced analytics, system integration, volume discounts, dedicated support, and comprehensive fuel management capabilities. Large fleets can leverage their volume to secure better fuel rebates and negotiate more favorable terms.

Mid-Size Fleets (25-100 Vehicles)

Best Fleet Options:

• AtoB: Tiered pricing grows with fleet size
• Coast: Maintains simplicity while scaling
• WEX: Mid-market solutions available

Considerations: Look for fuel card providers offering growth flexibility without complexity jumps. Mid-sized fleets often require more features than small operations, but don't need enterprise-level complexity.

What Additional Services Do Different Fuel Card Companies Offer?

Modern fleet cards extend beyond fuel purchasing to address comprehensive fleet expenses:

Fleet Management Integration:

• AtoB: Automated IFTA reporting, driver pay, expense tracking, and fuel card data analysis
• WEX: Fleet ClearView analytics, telematics integration, and comprehensive reporting
• Motive: Comprehensive platform with ELD, GPS, dash cams, and fuel efficiency monitoring

Financial Services and Cash Flow Management:

• Comdata: Factoring, cash advances, ATM access for drivers
• EFS: Driver cash advance capabilities and financial services
• AtoB: Integrated payroll and driver payments to track spending and manage business money

Maintenance and Operational Support:

• Shell: 20% discounts at partners for vehicle maintenance services
• Coast: Flexible spending controls for automotive services and business purchases
• WEX: Maintenance provider partnerships and fleet expense management

Technology Features:

• AtoB: FuelMap route optimization, mobile apps, and real-time fuel transactions monitoring
• Voyager: Fuel price comparison tools and station locators
• Coast: Real-time monitoring, online account management, and spending alerts

Fuel Theft Prevention:
Advanced fuel card programs feature technologies that prevent fuel theft through GPS validation, odometer tracking, and spending controls. These features help ensure that fuel purchases occur only when and where authorized.

Which Fuel Card Companies Integrate Best with Fleet Management Systems?

Integration capabilities are crucial for operational efficiency and comprehensive fleet management:

API and Technical Leaders:

• AtoB: Robust API, real-time data exchange, and seamless integration with existing systems
• WEX: Comprehensive integration through the Fleet SmartHub platform
• Coast: Pre-built connectors for popular platforms and accounting software

Telematics Integration:

• Motive: Native platform integration (best-in-class), combining telematics with fuel management
• AtoB: Validates fuel purchases against vehicle locations and tracks fuel consumption patterns
• WEX: Partners with major telematics providers for comprehensive fleet oversight

Accounting Integration:

• AtoB: QuickBooks integration, automated categorization of fuel transactions
• Coast: Direct accounting software connectivity and expense reporting
• WEX: Enterprise ERP system support for large organizations

Real-Time Capabilities:
Leading fuel card providers offer immediate data exchange rather than batch processing, enabling instant operational responses and optimization opportunities. This real-time access to fuel card data helps fleet managers make informed decisions about routing, fuel efficiency, and operational costs.

Integration Benefits:
Proper integration between your fuel card provider and fleet management system can significantly reduce administrative overhead, improve the accuracy of expense reporting, and provide better visibility into total fleet expenses and fuel consumption patterns.

FAQs

What is the largest fuel card company?

WEX Inc. leads by market cap and transaction volume, serving millions of vehicles worldwide. FleetCor Technologies competes through its portfolio, which includes the Fuelman and Comdata brands.

Which fuel card company has no fees?

Voyager offers zero monthly fees, setup, and replacement fees for lost or stolen cards. Mudflap operates fee-free through its mobile payment model, though it requires app-based transactions rather than physical cards.

What fuel card company offers the best rewards?

AtoB provides up to 45¢ per gallon at truck stops plus 5¢ per gallon at gas stations with universal acceptance. Comdata offers substantial truck stop savings through cash pricing plus additional discounts. The best fleet fuel card for rewards depends on your operational patterns and fuel consumption.

Are all fuel card companies the same?

No. Providers differ significantly in network coverage (8,000 to 99% of stations), discounts (3-48¢ per gallon), fees ($0-8+/month), technology capabilities, and service offerings. These differences substantially impact the total value and the amount of fuel savings you can achieve.

Which fuel card works at the most stations?

AtoB and Coast provide 99% acceptance through Mastercard and Visa networks, respectively. Voyager covers 97% through its proprietary network. Universal fuel card acceptance eliminates route planning constraints, ensuring access to both gas stations and truck stops.

Do fuel card companies check credit?

Most traditional providers perform credit checks, but alternatives exist. AtoB offers no-credit-check options, while prepaid solutions eliminate credit requirements through advance funding models.

Can you easily switch fuel card companies?

Not really. Switching involves contract terms, integration updates, and operational planning. Most agreements allow for termination with notice; however, consider setup costs, system changes, and potential service disruptions that may occur during the transition. You'll also need to handle any lost or stolen cards during the switch.

Ready to make the switch? Compare your options with AtoB and see your potential savings.

Final Thoughts

Choosing the right fuel card provider in 2025 can save your business thousands of dollars monthly through strategic discount optimization and operational efficiency improvements. The best fleet fuel card combines competitive per-gallon discounts, comprehensive fraud protection, and seamless integration with your fleet management needs.

AtoB leads with universal Mastercard acceptance, up to 45¢ per gallon truck stop discounts, and comprehensive fraud protection. At the same time, alternatives like Voyager offer zero-fee structures, and Coast provides simplified universal acceptance.

Consider your fuel consumption patterns, fleet expenses, and whether you need a diesel fleet card or mixed fleet card when making your decision. The key is matching provider strengths with your specific fleet size, operational patterns, and strategic priorities for maximum value realization. Start saving up to 45¢ per gallon today — see how AtoB compares.

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Citations:
[1] https://www.pfleet.com/blog/best-fleet-fuel-cards-for-business
[2] https://www.alliedmarketresearch.com/fuel-cards-market
[3] https://www.pfleet.com/blog/atob-vs.-coast
[4] https://coastpay.com/blog/best-fleet-fuel-cards/
[5] https://www.pfleet.com/blog/wex-vs-voyager
[6] https://www.pfleet.com/blog/wex-vs-comdata
[7] https://altline.sobanco.com/how-to-apply-for-a-fuel-card/
[8] https://cnrgfleet.com/fuel-card-fee-comparison-see-how-much-fleet-fuel-cards-cost/

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