Written by Michael Graw Updated on October 2, 2025 On this page Short on Time? Here Are the 5 Best Fuel Cards With No Credit Check The 5 Best Business Fuel Cards With No Credit Check 1. AtoB Unlimited 2. OTR Fuel Card 3. RoadFlex Unlimited 4. PEX Prepaid 5. Discover it Secured Credit Card Why Opt for a No-Credit-Check Fuel Card? Types of No-Credit-Check Fuel Cards How We Evaluated the Best No Credit Check Fuel Cards Verdict FAQs Expand Our research has found that AtoB Unlimited, OTR Fuel Card and RoadFlex Unlimited are the best fuel cards currently available that don’t require customers to go through a credit check.Each one provides strong discounts, broad acceptance and spending controls, according to our analysis of US fuel card companies across five core categories and 43 relevance-weighted criteria. And, importantly, they all avoid the difficulty of getting approved for a regular fuel card in the US.In this guide, we review and compare five of the best business fuel cards with no credit check available today, including the three mentioned above. Best Fuel Cards With No Credit Check: Key Takeaways AtoB Unlimited, OTR Fuel Card and RoadFlex Unlimited are the strongest true no-credit-check options for most fleets, offering meaningful pump discounts plus robust spending controls.To maximize savings, route to in-network stops. OTR averages about $0.50 per gallon (up to $2.25), AtoB averages $0.45 per gallon on diesel (or $0.05 per gallon on unleaded), and RoadFlex averages $0.43 per gallon in-network (and $0.03 everywhere else).Check the fees. OTR charges $0 monthly with $0 in-network transaction fees, while AtoB and RoadFlex are $3 per card, per month (PEX is $0 for up to five cards but offers no fuel rebates).Coverage matters for routing. RoadFlex lists around 150,000 in-network stations (and works anywhere Visa is accepted), AtoB around 30,000 and OTR around 2,500 in-network (with 8,000 total accepting).Expect solid spending controls and live monitoring across the top picks. Integrations (ELD/telematics and driver apps) are available but may cost extra.Match card type to cash-flow and credit goals. Prepaid and secured avoid hard checks but require preloading/deposits, while Discover it Secured offers 2% gas cashback for credit building, yet isn’t fleet-specific and has limited acceptance. Short on Time? Here Are the 5 Best Fuel Cards With No Credit CheckAtoB Unlimited: Prepaid fuel card offering an average of $0.45 off per gallon of diesel and excellent spend management tools.OTR Fuel Card: Free prepaid card with discounts up to $2.25 per gallon at in-network fuel stations.RoadFlex Unlimited: Flexible prepaid fuel card with a huge gas station network and telematics integration. Average rebates of $0.43 per gallon at in-network stations.PEX Prepaid: General-purpose prepaid business card with digital receipt capture and flexible spend management. No rebates or discounts on fuel.Discover it Secured Credit Card: Secured credit card offering 2% cashback on gas and support for building your credit. ⚠️ Most Top Fuel Card Providers Complete Credit Checks Other websites might tell you that big-name fuel card providers such as Shell, Chevron and Texaco, ExxonMobil and BP offer no credit checks on their fuel cards. But that’s misleading.The truth is, all these providers conduct credit checks based on your personal and business credit, including your credit score and credit history.They might issue a card to your small business rather than any owners or staff, and that may potentially (but not always) avoid any issues around a personal guarantee or mean credit checks are more minimal. However, that doesn’t mean they don’t conduct credit checks: instead, these details are often some of the first things they ask for.Below, we’ve only included fuel cards that truly do not require any credit checks at all. The 5 Best Business Fuel Cards With No Credit CheckCheck out the table below for a quick side-by-side comparison of the best no-credit check business fuel cards. For a more detailed review, keep reading. Swipe right to see more 0 out of 0 backward forward AtoB Unlimited OTR Fuel Card RoadFlex Unlimited PEX Prepaid Discover it Secured Credit Card Card Fees $3/card/month$35 setup fee Card Fees $0/month; $0 in-network transaction feesOut-of-network accepted. Discounts vary Card Fees $3/card/month$25 setup fee Card Fees $0 for up to 5 cards$75/month for up to 20$200/month for up to 200 Card Fees None Rebates This is a reward per gallon of fuel purchased (in the form of cashback or credit) $0.03 – $0.12/gallon for unleaded at partner gas stations (average $0.05/gallon)$0.45/gallon off of truck diesel (average); up to $2/gallon off Rebates This is a reward per gallon of fuel purchased (in the form of cashback or credit) $0.50/gallon (average)Up to $2.25/gallon (maximum) Rebates This is a reward per gallon of fuel purchased (in the form of cashback or credit) $0.03 – $0.43/gallon Rebates This is a reward per gallon of fuel purchased (in the form of cashback or credit) None Rebates This is a reward per gallon of fuel purchased (in the form of cashback or credit) 2% cash back on gas, up to $1,000 per quarter Network Coverage 30,000 stations Network Coverage Accepted in around 8,000 locations. 2,500+ in-network stations Network Coverage 150,000 in-network stations + anywhere that takes Visa Network Coverage Anywhere that accepts Visa Network Coverage Anywhere that accepts Discover What Are Prepaid Fuel Cards, Debit Cards and Secured Credit Cards? If you want to learn about the different types of no credit check fuel cards, jump to our guide further down this page via that link. Here, we explain the key difference between them. 1. AtoB Unlimited AtoB Unlimited Pricing $3/card/month Pros Prepaid fuel card with 30,000 in-network fuel stations Average of $0.45/gallon off diesel Real-time reporting and telematics integration 24/7 customer support Cons Telematics integration costs extra Relatively small discount for unleaded fuel ($0.05/gallon) Fees See more See less Fee typeCost Per card $3/card/month Setup $35 (one-time fee) AtoB Premium + $3/card/month The Application Process With AtoB UnlimitedAtoB Unlimited offers a streamlined application process that does not involve a credit check. Instead of assessing credit scores, AtoB evaluates your business’s revenue history to determine the appropriate card option.Applicants are only required to provide their Employer Identification Number (EIN), a valid driver’s license, and proof of business revenue from the past three months. This approach allows for quick approval without impacting your credit score.AtoB Unlimited PricingThe AtoB Unlimited card includes a flat setup fee of $35 per account, plus a monthly fee of $3 per card.You can add AtoB Premium for an additional $3 per card, per month, to get integration with your fleet’s electronic logging device (ELD) software, as well as an app for drivers to help them find the cheapest in-network gas stations, and extra card security features. How Much Do I Need to Spend to Break Even With AtoB Unlimited? Ongoing costs (per card, without $35 setup fee):• Diesel average $0.45 per gallon → break even at ~7 gallons per month.• Unleaded average $0.05 per gallon → break even at ~60 gallons per month.First month (with $35 for setup per account):• Example (1 card): $38 total → ~85 gallons diesel or ~760 gallons unleaded.• Example (5 cards): $10 total → ~22 gallons diesel or ~200 gallons unleaded.Why We Like The AtoB Unlimited CardAtoB Unlimited offers an average of $0.45 off per gallon of truck diesel at more than 30,000 gas stations nationwide, including at stations like Kwik Trip, Sheetz, TA, Speedway and more. Better still, those rebates can go up to $2 off per gallon on truck diesel.Things aren’t as impressive for unleaded fuel savings, with an average of $0.05 per gallon on unleaded with the AtoB Discount Network. Still, that’s a competitive rate for regular gas purchases, even compared with the best fuel cards that do require a credit check.The AtoB platform is also impressive. It gives you in-depth information about how much fuel your fleet is using, where drivers are buying gas and the balances on each of your cards. You can set spending limits for each driver, decide whether to enable purchases on maintenance-related expenses and get real-time notifications about suspicious transactions.Comparison With Other No-Credit-Check Fuel CardsCompared with other cards in this roundup, AtoB Unlimited stands out with extensive network coverage and robust spending control features.Versus OTR, AtoB trades OTR’s $0 monthly fee and higher average discount ($0.50 per gallon, up to $2.25) for a broader usable footprint (30,000 stations versus around 2,500 in-network and 8,000 total) and a fuller management platform. Although its unleaded savings are smaller (around $0.05 per gallon).Meanwhile, compared with RoadFlex, AtoB’s diesel average ($0.45 per gallon) is a touch higher than RoadFlex’s in-network ($0.43 per gallon), but RoadFlex can be used anywhere Visa is accepted, with a flat $0.03 per gallon outside its 150,000-location network. Better yet, it reports to Experian for credit building. PEX Prepaid is cheaper for very small teams (free for up to five cards) but offers no fuel rebates, while Discover it Secured gives 2% gas cashback without fleet controls or consistent acceptance. 2. OTR Fuel CardThe Application Process With OTR Fuel CardNo credit check required. You’ll start by connecting with a representative and submitting basic business details (name, company, contact info, DOT number). Qualified carriers can choose fuel credit or go prepaid (with instant Zelle funding or card payments). Approval avoids hard inquiries, so it won’t impact your credit score.The prepaid option doesn’t require any credit checks, while credit options are available to carriers using OTR’s factoring.In other words, for credit option, you qualify via your factoring account rather than a standard credit inquiry, so there’s still no hard check here if you have one of these setup. Plus, setup for a factoring account also requires no hard checks; instead, there’s continuous checks on your customers (brokers and shippers) to make sure invoices are always collectible.OTR Fuel Card PricingThere are no monthly or annual fees. In-network transactions carry $0 transaction fees.Out-of-network costs (outside the 2,500+ in-network stations) aren’t specified publicly, but what we do know is that the card can’t be used outside of the 8,000 strong overall network. How Much Do I Need to Spend to Break Even With OTR? Ongoing: No monthly fees or in-network fees → meaning no break even requiredSavings context:At the $0.50 per gallon average, spending 200 gallons per month = approximately $100 saved. For 600 gallons = approximately $300 (and more if you hit up to $2.25 per gallon in-network).Why We Like The OTR Fuel CardOTR posts compelling savings for over-the-road trucking: an average $0.50 per gallon discount and $0 in-network transaction fees at 2,500+ locations (accepted at about 8,000 total).Their Fuel Finder inside the OTR Mobile App helps drivers plan routes to the strongest discounts, while live transaction monitoring and advanced spending controls keep budgets tight.Fleets get weekly reports for easy oversight, and there are tire and preventative maintenance discounts at TA Petro to trim operating costs further. OTR also supports prepaid cash advances and offers responsive seven-day support (long hours on weekdays/weekends).Their savings calculator suggests that a single truck driving 6,000 miles per month at 4 MPG could save $600+ per month (or over $7,200 annually) at the average discount rate.Comparison With Other No-Credit-Check Fuel CardsWe’d say OTR’s hook is value for money, with $0 monthly fees, $0 in-network transaction fees, and strong average discounts (around $0.50 per gallon, up to $2.25). The trade-off is footprint, which stands at around 2,500 in-network (and 8,000 total accepting) versus AtoB’s 30,000 and RoadFlex’s 150,000 in-network, plus “anywhere Visa”, with $0.03 per gallon outside-network.If you can route to in-network stops, OTR can beat AtoB/RoadFlex on per-gallon savings. But should you need maximum coverage or non-fuel spend controls, AtoB and RoadFlex are more flexible.PEX Prepaid and Discover it Secured suit some edge cases (general spend or basic cashback, for instance) but lack fuel-card-grade discounts and controls.For fleets focused on maximizing pump savings without monthly card fees, it’s a very strong pick. 3. RoadFlex Unlimited RoadFlex Unlimited Pricing $3/card/month Pros Offers $0.03/gallon discount at all gas stations 150,000 in-network stations with an average $0.43/gallon discount Excellent spend management features Helps you build credit Cons Telematics integration costs extra Mobile app offers limited route planning features Fees See more See less Fee typeCost Card fees $3/card/month Setup $25 (one-time fee) The Application Process With RoadFlex UnlimitedAs a prepaid card, the RoadFlex Unlimited employs a straightforward application process that does not require a personal credit check or personal guarantee. This means that businesses can apply and get approved without any impact on their personal credit scores.The application focuses on business information and does not delve into personal credit histories, making for a quick and painless approval process.RoadFlex Unlimited PricingThe card requires a $25 setup fee and $3 per card monthly. Advanced features like telematics integration are available for an extra cost; you must contact RoadFlex for an exact quote. How Much Do I Need to Spend to Break Even With RoadFlex? Ongoing costs (per card, without $35 setup fee):• Diesel average $0.43 per gallon → break even at around 7 gallons per month.• Out-of-network $0.03 per gallon → break even at 100 gallons per month.First month (with $25 for setup, per account):• Example (1 card): $28 total → ~65 gallons diesel or ~993 gal out-of-network.• Example (5 cards): $8 total → ~19 gallons diesel or ~267 gal out-of-network.Why We Like The RoadFlex Unlimited CardThe RoadFlex Unlimited offers an average discount of $0.43 per gallon at over 150,000 stations, nationwide. While this network is extremely large compared with the likes of the OTR Fuel Card, it works at any gas station outside of its network, nationwide too, where it offers a discount of $0.03 per gallon.RoadFlex also provides strong spend management tools, including reporting to Experian, that can help your business build credit, should that be an issue for your team right now. Its dashboard also lets you analyze fleet expenses, so it’s easy to spot opportunities to save gas and cut your costs.You can also set spending controls, enabling gas purchases only or letting drivers use the card for parking, maintenance and other fleet-related expenses. There’s also control for overall spending limits by driver and the ability to require two-factor authentication before purchases, to prevent fraudulent transactions.Comparison With Other No-Credit-Check Fuel CardsRoadFlex balances scale and control, offering a huge 150,000 in-network stations (with around $0.43 per gallon average) with acceptance anywhere Visa is accepted, with $0.03 per gallon outside its network. That’s broader than AtoB’s 30,000 and far larger than OTR’s circa 2,500 in-network, although OTR may yield bigger per-gallon savings with $0 fees, if you stick to its network.Versus AtoB, RoadFlex’s headline discount is slightly lower than AtoB’s diesel average ($0.45 per gallon), but RoadFlex adds bureau reporting (Experian) to help build credit. We’d say PEX Prepaid (no rebates) and Discover it Secured (2% gas cashback) are better for simple spend or cardholder credit building, not fleet-grade fuel savings. ▶ Read more: TCS Fuel Card Review (2025): A strong choice for truckers 4. PEX Prepaid PEX Prepaid Pricing From $0/month Pros Works for all purchases with flexible category limitations Mobile app enables digital receipt capture Integrates with most accounting software Cons No discounts or cashback on fuel purchases Doesn’t integrate with fleet telematics software Fees See more See less Number of cardsCost Up to 5 $0/month Up to 20 $75/month Up to 200 $200/month The Application Process With PEX PrepaidPEX Prepaid cards are not traditional credit cards; they are prepaid business cards that do not require a credit check. Since these are not credit-based products, applicants are not subjected to credit assessments.The application process involves providing business details, and approval is based on the information provided, without considering personal or business credit scores.PEX Prepaid PricingFree account with up to five cards, $75 per month for up to 20 cards or $200 per month for up to 200 cards. You can also add further cards beyond this to any plan, for an additional charge. How Much Do I Need to Spend to Break Even With PEX? Fuel rebates: None → no cents-per-gallon breakeven.Fees: $0/month for up to five cards; then $75/month (≤20 cards) or $200/month (≤200 cards)Use case: Evaluate fees against control/operational gains (receipt capture, policy locks)Effective per-card cost at full utilization: $0 (five cards), $3.75 (20-card plan) or $1.00 (200-card plan)Why We Like The PEX Prepaid CardThe card offers flexible spending with real-time reporting via the PEX mobile app. Employees can take photos of gas station receipts, eliminating the need for storing paper receipts after every fill-up. PEX also integrates with the most popular accounting software, making it easy to analyze your spending and manage business taxes.It’s not a dedicated fuel card, but you can limit purchase categories if you only want your employees to purchase fuel. However, it also offers flexibility if your team needs to make other purchases, like office supplies and meals.Comparison With Other No-Credit-Check Fuel CardsPEX wins on simplicity and cost for tiny teams (free for up to five cards) and broad purchase flexibility. Our big issue with it is that there are no fuel rebates, so AtoB, OTR and RoadFlex beat it on pump savings.If you mainly need receipt capture, category locks and accounting integrations across general business spend, PEX is convenient. But should you want fuel-specific controls, in-network discounts or telematics tie-ins, AtoB and RoadFlex are stronger, while OTR can be the lowest-cost path if you route in-network. Discover it Secured’s 2% gas cashback can out-earn PEX on fuel, too, but it lacks fleet controls. 5. Discover it Secured Credit Card Discover it Secured Credit Card Pricing $0/month/card Pros Earn 2% cashback on fuel purchases Doesn’t require prepaying for fuel Helps build up your credit score Cons Doesn’t restrict purchases to fleet-related expenses No integrated fleet or driver management features Discover cards are not accepted everywhere Fees See more See less Pricing No annual fee, but 28.24% APR on carried balance The Application Process With Discover it Secured Credit CardThe Discover it Secured Credit Card does not require a credit score to apply. Instead, applicants provide personal and financial information, and approval is based on the details submitted. A refundable security deposit is required, which serves as the credit limit for the card. This card is designed to help individuals build or rebuild their credit history.Discover it Secured Credit Card PricingNo annual fee, but carries a high APR of 28.24% on carried balances. How Much Do I Need to Spend to Break Even With Discover? Ongoing: No annual fee → no breakeven required (but APR applies if you carry a balance)Cashback math: Get 2% on gas → so $150 monthly fuel spend = approximately $3 cashback (roughly equal to a $3 per card fee on some prepaid cards)Note: Cashback capped at $1,000 per quarter in gas spend; not fleet-specific, and acceptance can varyWhy We Like The Discover it Secured Credit CardOffers 2% cashback on gas and 1% on other purchases. Better yet, Discover will double the cashback you’ve earned in your first year as a cardholder on your first card anniversary.Comparison With Other No-Credit-Check Fuel CardsDiscover it Secured is a consumer-style option with no annual fee and 2% cashback on gas (capped at $1,000 per quarter), but limited acceptance in some places and no fleet controls, integration with telematics systems or fuel-only restrictions. Most gas stations accept Discover, but your drivers might occasionally get turned away.In contrast, AtoB, OTR and RoadFlex are designed for fleets, offering per-gallon discounts, spend limits, and real-time monitoring, so they typically deliver higher fuel savings and better oversight.PEX Prepaid is closer in spirit (general spend, strong admin tools), but, unlike Discover, it offers no fuel rewards, so you’d be picking it for operational control rather than pump savings.With that in mind, we’d say this card is best for businesses with low fuel expenses looking to earn rewards on all purchases, especially those that only have a few trusted drivers and don’t need deep fleet management features either. Why Opt for a No-Credit-Check Fuel Card?The most common reason to consider a no credit check fuel card is if your business or personal credit isn’t great. In that case, you might have a hard time getting approved for a traditional fuel card. Regular fuel cards are a lot like business credit cards and they almost always require a credit check.However, that’s not the only instance in which it makes sense to choose a no credit check card. Credit checks can be invasive, and you may not want to share your personal information or sensitive financial information about your business.Undergoing a credit check can also negatively impact your credit score, which isn’t beneficial if you’re hoping to take out a business loan or a loan for a new fleet vehicle soon. Types of No-Credit-Check Fuel CardsThere are three main types of business fuel cards that don’t require a credit check.Prepaid fuel cardsPrepaid fuel cards are the most common type of business fuel cards with no credit check. With this type of card, you load money onto your fuel card before your drivers use it to purchase gas. You can monitor your balance online and add funds to your card at any time.Notably, prepaid fuel cards are often issued by the same fuel card companies that offer fuel credit cards. So, you can easily switch to a traditional fuel card after building up your credit.Prepaid fuel cards work very well, but they can be challenging to use if your fleet uses a lot of gas or if your business has trouble with cash flow. You’ll need to be careful to keep your cards topped up, or else your drivers could find themselves at a gas station with no way to pay for fuel.Secured fuel cardsSecured fuel cards work a lot like traditional fuel cards but with an important twist. Instead of the card provider giving you the card and trusting that you’ll pay your fuel bill at the end of the month, you must first deposit money into an escrow account.This deposit represents your credit limit and it remains untouched as long as you pay your card balance on time each month. If you were to fall behind on your fuel payments, your card provider could take funds from your deposit.Secured fuel cards can help you build your business’s credit score in addition to making it easier to buy gas. However, they can have steeper fees compared with prepaid fuel cards.Business debit cardsBusiness debit cards are connected directly to your business bank account and enable you to draw funds to purchase fuel. They aren’t exactly fuel cards, but they often have low fees and you can get them from your current business banking provider.The downside to using debit cards to buy fuel is that they don’t offer as many spending controls as dedicated fuel cards. For example, you may not be able to limit drivers to making purchases at gas stations only. Business debit cards also typically don’t offer the same fuel discounts as dedicated fuel cards. How We Evaluated the Best No Credit Check Fuel CardsWe researched 13 fleet fuel cards to evaluate them in terms of how affordable they are and if they have features that can help control and manage fuel spending, all so we could provide the most useful recommendations to US fleets.Our rigorous testing process means these cards have been scored and rated in five main categories of investigation and 13 subcategories — this means 43 areas of investigation in total. We then gave each category score a “relevance weighting” to ensure the product's final score perfectly reflects the needs and requirements of Expert Market readers — and that's our algorithm.Our main testing categories for fleet fuel cards are:Security: Refers to the measures in place by the card provider to ensure the safety and protection of your information.Customer support: Includes the assistance the card provider offers, such as phone support, email or chat support, documentation, knowledge bases and online forums.Expense management: Refers to the features of the fleet fuel card, such as transaction tracking, expense reporting, receipt storage, integration with accounting systems and customizable expense categories.Convenience: Refers to the ease of use and accessibility of the fleet fuel card, including factors such as the acceptance network of gas stations, availability, price comparison tool, contactless payment at pumps and more.Card specific information: Refers to the details associated with the fleet fuel card itself, such as card fees, accepted fuel type, card type, fee structure, network coverage, plus the card's potential to pay for items and services other than gas. Verdict The best business fuel cards with no credit check make it easy to get discounts on gas and manage your fleet, even if your credit isn’t great.We think the best options are the AtoB Unlimited, the OTR Fuel Card and the RoadFlex Unlimited, since all three offer discounts on fuel at in-network gas stations nationwide, spending controls and purchase monitoring, plus integrations if you need them.Of course, all three have an application process that avoids any credit checks, so you’ll be approved without any hitches.If you’re still not sure what you need, check out our guide to the different types of fuel cards for businesses. You can also cut your fuel costs with our guide to improving your fleet’s fuel efficiency. FAQs Can I get a fuel card with bad credit? Yes, there are prepaid fuel cards and secured credit cards that don’t require a credit check. Some of the best fuel cards with no credit check include the AtoB Unlimited, OTR Fuel Card and RoadFlex Unlimited. Can I get a fuel card with just an EIN? You can get a fuel card for your business with just an Employer Identification Number (EIN) and no credit check. The AtoB Unlimited and DAT One Fuel Card are prepaid fuel cards that only require basic information about your business, including your EIN. Written by: Michael Graw Michael is a prolific business and B2B tech writer whose articles have been published on many well-known sites, including TechRadar Pro, Business Insider and Tom's Guide. Over the past six years, he has kept readers up-to-date with the latest business technology, corporate finance matters and emerging business trends. A successful small business owner and entrepreneur, Michael has his finger firmly on the pulse of B2B tech, finance and business.