Fleet Fuel Card Comparison: Discounts and Features

Fleet fuel cards can save trucking companies thousands in fuel costs annually. However, the best card for your fleet depends on factors like discounts, network coverage, and security features. Here’s a quick breakdown:

• WEX: Offers 3¢–15¢ per gallon discounts, accepted at 95% of U.S. stations, but excludes major truck stops without the Cross Roads card.
• Fuelman: Flat 8¢–12¢ per gallon rebates, strong security, and a closed-loop network of 40,000 stations.
• Comdata: Focuses on trucking fleets with cash price access and up to 40¢ per gallon savings at major truck stops.
• AtoB: Provides up to $2.00 per gallon discounts at select truck stops and uses the Mastercard network for near-universal acceptance.
• Coast: Simple 3¢–9¢ discounts, broad Visa network coverage, and no setup fees.
• P-Fleet: Two options – CFN with cost-plus pricing (35¢ savings) for Western U.S. fleets, and Voyager with 3¢–8¢ discounts at 320,000 locations.

Quick Comparison

Each card has strengths suited to specific fleet needs. Long-haul fleets benefit from Comdata or WEX, while regional fleets might prefer AtoB or Coast. For Western U.S. operations, P-Fleet CFN offers cost-plus pricing advantages. Choose based on your routes, fuel usage, and preferred features.

How to Save Thousands on Fuel: Best Trucking Fuel Cards Ranked & Reviewed

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1. WEX Fleet Fuel Card

The WEX Fleet Fuel Card is designed for fleets that prioritize extensive coverage and precise spending controls over the largest per-gallon discounts.

Fuel Discounts

WEX employs a tiered rebate system. Through the WEX EDGE network, rebates range from 3¢ to 15¢ per gallon. Outside of this network, rebates are smaller: 1¢ per gallon for under 1,000 gallons, 2¢ per gallon for 1,000–4,999 gallons, and 3¢ per gallon for 5,000 or more gallons monthly. For a fleet of 50 vehicles, the difference between a 3¢ and a 15¢ rebate can add up to an estimated $72,000 annually.

However, the standard WEX Fleet Card excludes major truck stop chains like Pilot Flying J, Love’s, and TA. For fleets that rely on these locations, the WEX Cross Roads card is a better fit, offering rebates averaging 15¢ per gallon at over 3,400 truck stops.

Network Coverage

WEX cards are accepted at about 95% of U.S. fuel stations – roughly 160,000 locations – and at over 45,000 automotive service and maintenance sites nationwide. Fleet managers can use the WEX Connect app to locate EDGE network stations along driver routes. However, if drivers rarely visit these stations, rebates may stay within the 1¢ to 3¢ range.

Security Features

WEX provides robust transaction controls, allowing managers to:

• Restrict purchases to specific products, like fuel and DEF.
• Set gallon caps per transaction.
• Limit card usage to specific days or times.

Each transaction includes detailed Level III data, such as gallons purchased, fuel grade, price, and any non-fuel items, simplifying audits.

One standout feature is Dynamic Prompt, a two-factor authentication system requiring drivers to use a phone app to generate a one-time code at the pump. Additionally, WEX integrates with telematics systems like Samsara and Motive, flagging transactions made far from the vehicle’s GPS location. Fleets that actively use Level III data in exception reporting have reported fuel fraud reductions of 60–80% within the first year.

Additional Benefits

The WEX EDGE network also offers discounts on non-fuel expenses like tires, wireless plans, hotels, and office supplies. For fleets transitioning to electric vehicles, the EV En Route program connects drivers to nearly 150,000 public charging stations across the U.S..

Fees include a $40 setup fee, monthly charges of up to $4 per card, and up to $3 per transaction for extended network use.

As Mike Marshall from FreightWaves puts it:

"WEX fits fleets that value coverage, control, and consolidated reporting over the absolute richest brand-specific discounts."

2. Fuelman Fleet Fuel Card

Fuelman stands out as an alternative to cards like WEX by offering flat, predictable discounts and strong security measures. Instead of WEX’s tiered rebate system, Fuelman keeps things straightforward with consistent savings. This approach extends to its discount structure, network reach, and security features.

Fuel Discounts

Fuelman offers two card options tailored to different fleet needs:

• Fuelman Mixed Fleet Card: Provides an 8¢ per gallon rebate on both diesel and unleaded fuel at over 40,000 discount network locations.
• Fuelman Diesel Fleet Card: Offers a higher rebate of 12¢ per gallon, specifically for diesel purchases.

Broderic Fernow, Marketing Manager, explains:

"Fuelman uses a dedicated fuel network with flat, predictable rebates, while Motive runs on the Mastercard network with broader acceptance and variable discounts based on station brand."

Network Coverage

Fuelman cards are accepted at approximately 60,000 stations across the U.S., including major names like TA Petro, Pilot Flying J, Speedway, Chevron, and Circle K. However, only about 40,000 of these locations offer the advertised discounts. Refueling outside the discount network incurs a $3 fee. There are also some coverage gaps in states like Massachusetts, Minnesota, Montana, and New Mexico.

Security Features

Fuelman’s closed-loop network provides strong control over fuel purchases. Transactions require a driver PIN and odometer reading, and fleet managers can enforce restrictions such as fuel-only purchases, time-of-day usage limits, and gallon caps per transaction. Unlike WEX, which relies on mobile two-factor authentication, Fuelman applies its security measures directly at the point of sale. Additionally, Pro and Enterprise plan subscribers benefit from fraud loss coverage – up to $10,000 per card or $25,000 per account annually.

Additional Benefits

Fuelman simplifies fleet management with Level III transaction data, which aids in IFTA reporting and tax exemption claims. Automated fuel summaries and cost-per-mile reports are also part of the platform’s offerings. Fleet managers can also search trucking companies to compare operational benchmarks and fuel costs. Drivers can take advantage of the Driven Rewards loyalty program to earn points redeemable for travel, gift cards, and event tickets.

Pricing starts at $39, $59, and $99 per month for Basic, Pro, and Enterprise plans, respectively. Unlike WEX, Fuelman doesn’t charge a setup fee, but its late fee of 17.99% is notably steep.

3. Comdata Fleet Fuel Card

Comdata sets itself apart by focusing exclusively on over-the-road trucking, offering a fuel card tailored to the needs of truckers. With the largest fuel card network in the industry, it provides a range of benefits designed to help trucking fleets save on fuel costs and streamline operations.

Fuel Discounts

Instead of offering a flat rebate like Fuelman, Comdata gives users access to the cash price at the pump, which is typically 5–15¢ per gallon lower than the credit price. On top of that, Comdata secures additional rebates at major truck stops, such as 25–40¢ at TA Petro, 8–10¢ at Pilot Flying J, and 8¢ at Love’s. Depending on custom pricing tiers, savings can go beyond 50¢ per gallon.

"The cash rate is typically 5-15¢ per gallon less than the credit price, and when combined with Comdata’s additional truck stop discounts, trucking fleets can see significant cost savings." – Broderic Fernow, Marketing Manager, P-Fleet

This pricing approach, combined with its extensive network, makes Comdata a strong choice for trucking businesses.

Network Coverage

Comdata’s core network includes over 8,000 truck stops across the country, with preferred access at Pilot, Flying J, and TA Petro locations. For added flexibility, an optional Mastercard add-on allows cardholders to use the card at more than 40,000 fuel stations and service centers nationwide.

Security Features

Comdata goes beyond standard PIN-based security, incorporating advanced measures like its Proximity Solutions system. This feature verifies the truck’s GPS location and fuel tank capacity before approving a transaction. If the truck isn’t at the station or the fuel amount exceeds the tank’s capacity, the transaction is declined. Drivers can activate the card directly at the pump using the OneClick mobile app, which automatically times out after fueling.

Fleet managers benefit from centralized control through the iConnectData (ICD) portal, where they can set spending limits, enforce time-of-day restrictions, and receive real-time fraud alerts.

"Looking at all the fuel card providers, Comdata by far, had the best tech controls, and they were able to produce the most useful reporting that we needed." – Sarah Bones, Internal Audit/Tech Support, Custom Commodities Transport

Additional Benefits

Comdata offers more than just fuel savings. Cardholders enjoy perks like 65% off tires and retreads, 20% discounts at participating hotels, and shorter wait times at CAT scales. The card’s eCash platform simplifies driver payroll and settlements, which can be further optimized through freight factoring services while the OneLook analytics platform provides detailed transaction data, making quarterly IFTA filings easier.

Pricing options include:

• Simple Saver: $0/month
• Smart Fleet: $8 per card/month
• Total Advantage: $129/month

A $50 setup fee applies to all plans, and late fees can reach $150 or 13.99% of the balance, whichever is greater.

4. AtoB Fleet Fuel Card

AtoB uses the Mastercard network, allowing refueling at 99% of gas stations across the U.S. without being tied to specific brands. Here’s a closer look at AtoB’s discount system, coverage, security features, and additional perks.

Fuel Discounts

AtoB provides two discount options. For truck diesel, savings range from 42¢ to 45¢ per gallon at partner truck stops, with some locations offering discounts as high as $2.00 per gallon. Gasoline users can expect average savings of 5¢ per gallon. Plus, their FuelMap optimizer adds around 21¢ per gallon in extra savings. For example, Sweatman Trucking reported an average savings of 54¢ per gallon in the second half of 2025.

Network Coverage

AtoB’s network includes over 3,500 truck stops and more than 30,000 gas stations nationwide. Unlike some proprietary cards that charge up to $3 for fueling outside their network, AtoB does not impose penalties for off-network transactions, giving fleets greater flexibility.

Security Features

AtoB prioritizes security with several safeguards. Cards stay locked by default and must be activated through the AtoB mobile app or via SMS before use, with a 30-minute window for purchases. Telematics integration (e.g., Samsara) ensures the vehicle is at the pump before transactions are approved. Fleet managers can set up merchant restrictions, time-based rules, and per-fill spending limits through a centralized dashboard. Additionally, AtoB offers a $250,000 fraud protection guarantee for peace of mind.

Additional Benefits

AtoB offers two card options:

• Flex Card: A credit line billed weekly, costing $15 per month for the first 1–5 cards, plus a one-time $35 setup fee.
• Unlimited Card: A prepaid option with no credit check, priced at $3 per active card per month.

Both cards include features like automated IFTA reporting, 5% cash back on select non-fuel purchases, and 10–35% discounts on partner services such as tires and vehicle warranties. Advanced tools like FuelMap and telematics integration are available as an optional add-on for $3 per card per month.

5. Coast Fleet Fuel Card

The Coast Fleet Fuel Card operates on the Visa network, giving it near-universal acceptance at fuel stations across the U.S., including Costco, where pump prices are often 20¢–30¢ below market rates. This broad acceptance makes it a standout option compared to traditional closed-loop cards that limit drivers to specific station networks. Below, we’ll break down its discount structure, coverage, and security features.

Fuel Discounts

Coast offers a simple rebate system. At over 30,000 partner stations – such as Exxon, Mobil, Shell, and Circle K – drivers can earn rebates ranging from 3¢ to 9¢ per gallon. For purchases at other Visa-accepting stations, a base rebate of 1¢ to 2¢ per gallon applies, with some regional programs offering up to 10¢ per gallon. Additionally, Coast provides 1% cash back on non-fuel expenses like tires, oil changes, and parking. However, if your fleet primarily relies on diesel, note that Coast’s rebates don’t match the 40¢+ per gallon savings offered by some over-the-road cards, making it a better fit for local or regional fleets with gas-powered vehicles.

Network Coverage

Thanks to its Visa foundation, the Coast card is accepted at about 99% of U.S. fuel stations, covering nearly all locations except for certain areas in Nevada, North Dakota, and South Dakota due to regulatory restrictions. Its partner network includes over 30,000 locations and extends to Costco, making it a strong option for local service fleets.

Security Features

Coast prioritizes security with several advanced features:

• Locked Cards by Default: Drivers must unlock their cards via text or the mobile app, creating a short authorization window for purchases.
• Telematics Integration: When linked with platforms like Samsara or Geotab, the system cross-references the vehicle’s GPS location with the fuel station, automatically declining mismatched transactions.
• Real-Time Controls: Fleet managers can set spending limits, restrict purchases to certain times of day, and block specific merchant categories through an easy-to-use dashboard.
• Fuel Fraud Guarantee: Coast backs its security features with protection of up to $25,000 per year when these measures are enabled.

Additional Benefits

Coast simplifies fleet management with a transparent pricing structure and useful integrations:

• Monthly Fee: $4 per active user, with charges only for active cards.
• No Hidden Fees: No setup fees, per-gallon administrative fees, or charges for reporting or portal access.
• Accounting Integration: Seamlessly connects with QuickBooks Online, NetSuite, Samsara, and Geotab, streamlining reconciliation and IFTA-related reporting.

However, Coast is only available to LLCs, corporations, and partnerships – sole proprietors are not eligible.

"We now have timely data about who’s filling up with gas… and we’re able to have controls in place so that we don’t have to find out retroactively that we’re overspending." – Will Breslaw, COO, Tristate Plumbing

6. P-Fleet Fuel Card

P-Fleet stands out by providing two fuel card options – CFN and Voyager – tailored to different driving routes and fuel usage needs. Let’s break down how these cards cater to diverse fleet requirements.

Fuel Discounts

The CFN card operates on a cost-plus model, adding a small markup to the wholesale fuel price. This typically results in savings of about 35¢ per gallon compared to the average retail price. On the other hand, the Voyager card is accepted at a broader range of locations but offers smaller discounts, ranging from 3¢ to 8¢ per gallon at select stations. Neither card comes with monthly, setup, or late fees.

Network Coverage

The Voyager card shines with its extensive network, accepted at approximately 320,000 fueling and maintenance locations, covering around 97% of gas stations and truck stops across the U.S.. This includes major brands like ExxonMobil, Chevron, Love’s, Pilot Flying J, and TA. Meanwhile, the CFN card focuses on 3,000 specialized cardlock sites, which are particularly convenient for large trucks, especially in Western states such as California, Oregon, Washington, Arizona, and Nevada.

"On average, cost-plus cardlock prices run 10–35¢ per gallon cheaper than retail, depending on market conditions." – Broderic Fernow, Marketing Manager, P-Fleet

Security Features

Both cards prioritize security by requiring PIN/Driver ID and odometer input, along with customizable transaction limits. The CFN card offers strict product controls, ensuring only approved fuel types are dispensed (e.g., preventing gasoline purchases on diesel-only cards). In contrast, the Voyager card uses product exception alerts, which allow the transaction but notify fleet managers immediately. Additionally, both cards include free fraud protection against skimming and cloning.

Additional Benefits

P-Fleet provides a range of tools to simplify fleet management, including automated IFTA fuel summaries, MPG and cost-per-mile reporting, and a mobile app to help drivers find the cheapest in-network fuel. The Voyager card delivers Level III transaction data – covering gallons, fuel type, date, time, and location – at 99.5% of its sites, making compliance reporting and expense tracking more efficient. P-Fleet also boasts a 4.8-star rating on Trustpilot, with customers frequently praising its transparent pricing and responsive support.

Pros and Cons

Choosing the right fleet fuel card means weighing the strengths and weaknesses of each option. The table below breaks down how different cards perform across four key areas for trucking companies: fuel discounts, network coverage, security features, and additional perks.

Key Insights

AtoB and P-Fleet (CFN) cards deliver some of the largest per-gallon savings, but their networks differ. AtoB focuses on select truck stops, while P-Fleet’s CFN card is ideal for fleets operating heavily in the Western U.S. On the other hand, WEX and P-Fleet (Voyager) cards shine with their extensive national coverage, making them better suited for long-haul routes where drivers may have less flexibility in choosing fuel stops.

Security measures also vary. AtoB and Comdata stand out for using GPS verification to block unauthorized transactions, while traditional cards like WEX and Fuelman rely on PIN prompts and spending limits for protection. For small fleets, Coast is worth noting – it doesn’t require a personal guarantee or setup fee, which can be a hurdle for newer or smaller operations.

Fee structures can also impact savings. For example:

• Comdata: $8 monthly fee per card + $50 setup fee
• Fuelman: $3.99 per card monthly
• AtoB: $3 per active card monthly
• Coast: $4 per active card monthly

These fees can add up for high-volume fleets, so it’s important to factor them into the overall cost.

Understanding these trade-offs helps fleets align their choice of fuel card with their routes and operational needs. Balancing discounts, network coverage, security, and added features is key to finding the right fit.

"Cash price access at truck stops saves money before any rebate is calculated, creating a compounding discount that competitors without this feature cannot match." – Small Fleet HQ Team

Conclusion

There’s no universal "best" fuel card – what works for one fleet might not suit another. The ideal choice depends on factors like your fleet’s routes, fuel usage, and how much control you need over driver expenses.

For fleets running long-haul along major highways, Comdata and WEX cards offer strong discounts and advanced spending controls. On the other hand, smaller or regional fleets might find AtoB or Coast cards more practical and cost-effective. If your operations are confined to specific regions, cost-plus pricing models could be a better fit, while nationwide fleets need cards with widespread acceptance. As Herman Armstrong, founder of FleetCollect, puts it:

"The cheapest fuel card in the world is worthless if it’s not accepted where you fuel." – Herman Armstrong, Founder, FleetCollect

This highlights the importance of matching your routes with a card’s discount network – discounts mean little if you can’t use them where you need to refuel.

Choosing the right fuel card is just one part of the equation. Pairing your card with advanced fleet management tools can further boost savings. Quick Transport Solutions Inc. offers resources like daily fuel price updates and freight factoring services to help fleets optimize their operations and cut costs effectively.

FAQs

Which fuel card saves me the most after fees?

When looking for a fuel card that saves you the most money, it’s important to dig deeper than just the per-gallon discount. Subtract any fees – like monthly charges, transaction fees, or out-of-network costs – from the discount to see what you’re actually saving. A big discount might look good at first, but high fees can eat into those savings fast.

How much you save will also depend on how much fuel you use and the routes you take. Some cards, especially those tied to freight factoring services, might even waive certain fees. To ensure you’re actually saving, compare the total on your receipt with the station’s posted cash price. This will help you confirm that the savings outweigh the costs.

How can I ensure the card works where my drivers fuel?

Start by pinpointing your fleet’s usual routes and fueling stops. Once you have that mapped out, check if these locations are compatible with the fuel card’s network. Many fuel cards are widely accepted at most gas stations across the U.S., but some are exclusive to specific truck stop chains.

To make this process easier, use tools like the card issuer’s mobile app or locator features to verify station acceptance along your routes. Additionally, most fuel card management portals let you set authorized fueling locations and keep a close eye on transactions for better control.

What controls best prevent fuel fraud?

To guard against fuel fraud, it’s smart to use multiple layers of security. Start by setting purchase controls that restrict spending to fuel and approved maintenance, while also enforcing tight dollar and gallon limits. Dive into Level III transaction data to track specifics like the type of fuel purchased and where it was bought. This detailed monitoring can help you spot unusual activity quickly.

Set up real-time alerts to flag any violations as they happen. Require employees to use unique PINs and provide additional prompts, such as odometer readings, to confirm transactions. Don’t forget to deactivate any cards that aren’t in use, and make sure your team is trained to recognize and avoid phishing scams. These steps, combined, create a robust defense against fraud.

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