AtoB Fuel Cards Review: Flex and Unlimited Fleet Solutions

AtoB has two tailored fuel cards to suit different business needs: the credit-based AtoB Flex and the prepaid AtoB Unlimited.

Both programs average out at $3 per card, per month, offering the same 30,000+ strong station network with discounts between $0.03 and $0.12 per gallon at partner stations. Better yet, rebates at its 2,000+ partner truck stops can go up to a massive $1.85 per gallon for truck diesel, averaging out at $0.46 per gallon according to AtoB.

In this AtoB fuel cards review, we’ll take a closer look at both products’ fees, their discounts by region (which vary considerably), and other additional benefits, to help you determine whether either AtoB Fuel Card solution fits your fleet’s needs.

What Do AtoB’s Fuel Cards Offer?

Whether you opt for the AtoB Flex, a credit fuel card with advanced fraud prevention and customizable spending limits, or the AtoB Unlimited, a prefunded card that also helps build small business credit and removes spending limits, you gain access to a suite of features focused on efficiency, control, and cost savings.

Let’s cover what each offers at a glance, starting with the AtoB Flex:

And here’s a summary of the AtoB Unlimited fuel card:

AtoB Fuel Cards Review: Pricing and Fees

Both AtoB fuel card options deliver competitive pricing that aligns with their product models, but there are distinct fee structures for each.

AtoB Flex pricing

• Account set-up fee: $35. This one-time fee applies when you establish your AtoB Flex account.
• Monthly card fees: $15 per month covers the first one to five cards. For fleets that need more than five cards, each additional card costs $3 per month after that.
• Optional AtoB Premium add-on: For an enhanced suite of security and management features, you can add AtoB Premium for an additional $3 per month (applied at the account level).

AtoB Unlimited Pricing

• Account set-up fee: $35. This fee is required once during the initial account creation.
• Monthly card fee: $3 per active card per month. As a prefunded fuel card, AtoB Unlimited operates on a lower per-card monthly fee.
• Optional AtoB Premium add-on: Similar to the Flex option, you may opt for the Premium features for an additional $3 per month, applied at the account level.

Does AtoB have any hidden fees?

With AtoB, there are several fees beyond the basic per-card and setup costs that you should be aware of. We analyzed AtoB’s fee schedule and noticed a few fees that might not be obvious when browsing its website alone – although all of them only apply to its AtoB Flex option:

• Late payment penalty (AtoB Flex only): If you do not pay your statement in full by the due date, a penalty of up to 9% (or $99, whichever is greater) will be applied. If overdue by more than 30 days, an additional charge of 6% (or $99, whichever is greater) will kick in, too.
• Credit enablement fees (AtoB Flex only): For customers participating in the Credit Enablement Program, which allows customers to be on credit who would not have qualified for credit without it, there is a one-time $75 account setup fee. In addition, a surcharge (up to $0.30 per gallon) may be imposed for a fixed duration if you are considered high risk due to previous missed payments or other factors.
• Instant access fee (AtoB Flex only): An extra 1% fee on the payment amount applies when funds are accessed immediately through a debit card.

As noted, these additional fees are disclosed in AtoB’s fee schedule, but are important to factor in when calculating your total cost of ownership.

Are AtoB fuel cards good value for money?

We’d argue that for fleets, especially those of smaller or independent operators, AtoB Fuel Cards provide excellent value through substantial fuel savings, advanced management features, and a cost structure that can be tailored to your business’s specific needs.

While extra fees do apply in certain cases, the potential savings and operational efficiencies usually outweigh these costs, making AtoB a competitive option in the fleet fuel card market. Let’s detail exactly what those savings look like in the next section, as they can vary significantly depending on the region of the US you are operating in.

AtoB Fuel Cards Review: Rebates and Discounts

AtoB Fuel Cards leverage the AtoB Discount Network to deliver significant fuel savings for fleets across the US. Handily, AtoB lists the exact rebates you can expect on its website, and depending on your region, you can receive variable per-gallon rebates at participating stations.

Fuel rebates with AtoB

Below is a summary table outlining the lowest and highest per‐gallon rebate rates available through the AtoB Discount Network by region. We’ve also calculated the average rebate rate for each region based on the rate provided by AtoB for each partner station in each region.

Notes: These values in the average rebate column are only averages. With some branded stations only “up to” figures, and rebates in each region between the highest and lowest numbers, actual savings may vary depending on the specific station and local market conditions.

How to find AtoB stations near you?

AtoB reportedly has over 30,000 fuel stations nationwide and makes it relatively simple to locate participating stations using its mobile app, which features its AtoB FuelMap. We’d like to see a web-app tool introduced for cross-platform utility, but placing it in the app should still be suitable for most people (namely, drivers on the go). Here’s how to get started:

1. Download and log in: Download the AtoB App from the App Store or Google Play, then log in with your AtoB account credentials.
2. Access AtoB FuelMap: Within the app, select the FuelMap feature. This integrated tool uses GPS to automatically detect your location or allows you to enter a specific location manually.
3. Browse and filter: The FuelMap displays nearby fuel stations, based on your phone’s location data, that accept AtoB Fuel Cards, complete with the discounts available at each. You can filter the results by fuel type or discount level to make sure you are going to the stations that offer the highest savings, too, which isn’t something all fuel card apps offer.

Truck stop rebate rates with AtoB

A major benefit of AtoB is the size of its rebates at truck stops, which are reportedly up to $1.85 per gallon at selected stores on truck diesel. AtoB reports that the truck stop nationwide average discounts are $0.46, which is far above the regular fuel card rebates at AtoB and other competitors.

Unlike its regular refueling stations, AtoB doesn’t list the exact truck stop rebate rates you can expect from particular partner truck stop stations. However, it does list the stations that are its partners in each region of the US.

Other discounts with AtoB

Beyond fuel-specific savings, AtoB offers additional perks through its partner network that extend value beyond the pump.

Non-fuel discounts

• Enjoy 5% cash-back on certain non-fuel purchases.
• Access discount offers ranging from 10% to 35% off on various products and services.

Truck comfort and maintenance savings

• Save 30% on select truck comfort products to help improve driver satisfaction.
• Receive $250 off your AtoB Fuel Statement when you use TruckSuite for your vehicle warranty.
• Get $30 off your first rental vehicle booking when you partner with AtoB.

Additional partner benefits

• Toll management: Benefit from one month of free toll management services, which streamline route planning and reduce incidental expenses.
• Partner network discounts: Beyond fuel, AtoB’s extensive partner network provides savings on tires, vehicle accessories, maintenance services, and more.

These combined discounts, both on fuel and across non-fuel categories, can help fleets maximize savings and achieve cost efficiency on multiple fronts.

AtoB Fuel Cards Review: Controls and Security

AtoB Fuel Cards come equipped with an appealing suite of security and control features designed to safeguard your fleet’s fuel spending, while providing granular oversight of each transaction on your company cards.

All of the following apply to both the AtoB Flex and AtoB Unlimited cards, while we’ve separately covered the improvements available with the optional AtoB Premium add-on.

Advanced security features with AtoB

• One-click card deactivation: Allows immediate disabling of a card via the AtoB platform or mobile app if it is lost, stolen, or shows suspicious activity.
• Secure card unlock: With the premium add-on, the card remains locked until a driver verifies their identity via SMS or the AtoB Driver app.
• Fuel level reporting: Tracks fuel levels to make sure purchases do not exceed a vehicle’s tank capacity and helps flag potential misuse.
• Alerts and blocking: You can set alerts to be notified of any fuel card activity via the mobile app, SMS, and email. You can even block transactions automatically for when a driver isn’t near a vehicle, a vehicle isn’t close to the pump, or tank level is above a certain threshold (95% by default).

Granular card controls with AtoB

• Account dashboard: AtoB’s multi-user dashboard allows fleet managers immediate oversight of fleet fuel card spending as soon as they log in.

• Card active overviews: Similarly, to have a general overview of your fleet’s fuel card activity, you can view the card active panel in the web software to see which cards are in use.

• Spending limits and operational hours: Enables setting daily or weekly spending limits and defining specific hours for card usage to reduce unauthorized transactions.
• Merchant whitelisting/blacklisting: Allows customization of which merchants or merchant categories are permitted or blocked, helping to control non-fuel spending.
• Card-specific reporting: Provides fleet administrators with overviews on individual card spending for each card on your business account.

• Integration with telematics and fleet management: Combines with telematics tools to alert managers to discrepancies in fuel consumption or purchases made outside normal operating areas.

Premium improvements

Opting for the AtoB Premium add-on unlocks a host of additional security and management features, including:

• Improved fraud alerts and secure card unlock mechanisms.
• Priority support with reduced wait times for any security or control-related issues.
• Advanced controls such as bulk settings for driver, card, and vehicle tags, which streamline managing multiple fleet cards across your organization.

How Do You Apply for an AtoB Fuel Card?

Applying for either of the AtoB fuel cards is pretty simple, and can be done in a few steps. Let’s outline them here:

1. Visit the AtoB website or app and select the fuel card product you need (AtoB Flex or AtoB Unlimited).
2. Fill out the short online application form with your basic business details, including your first and last name, business cell number, business email address, number of vehicles, weekly fuel and maintenance spend, and fleet type.
3. Review and agree to the AtoB Platform Agreement and Privacy Policy before submitting your application.
4. Submit the form; this process typically takes about five minutes.
5. Once submitted, an account manager will contact you with the next steps and ask you for any additional information required to complete your setup.

Are there any requirements to get an AtoB Fuel Card?

As stated above, applicants must provide basic business details, including first and last name, business cell number, business email address, number of vehicles, weekly fuel and maintenance spend, and fleet type. However, there is more to know about the approval process:

• For AtoB Flex (the credit fuel card), a credit check is performed, and you may need to join the Credit Enablement Program if you do not meet standard credit criteria.
• For AtoB Unlimited (the prefunded fuel card), you can get approved regardless of your credit score.

In some cases, proof of revenue may be required as part of the application process. By submitting your application, it’s worth reiterating that you are agreeing to the AtoB Platform Agreement and Privacy Policy, so be sure to read both documents before signing up.

How Does AtoB Compare to Competitor Fuel Cards?

When evaluating AtoB Fuel Cards alongside other fleet fuel card providers, several key factors stand out: acceptance, rebates and discounts, as well as pricing and fees. We’ll dive into a comparative analysis shortly, but first, here is a top-level overview of options we rate highly.

Acceptance and network coverage

AtoB Fuel Cards are based on Mastercard and are accepted anywhere Mastercard is processed. This broad acceptance means that, unlike some fleet cards restricted to specific networks, AtoB offers flexibility across the nation.

Competitors like WEX also boast high acceptance rates (up to 95% of US gas stations), but AtoB’s universal coverage makes it a strong option for fleets that operate in diverse geographic locations. More specialized cards from the likes of Comdata or Shell have a more limited network tied to their partner brands.

Discount networks and rebate rates

AtoB’s Discount Network can deliver appealing fuel savings. It reports that its network consists of over 30,000 stations across the US. Its rebate rates vary by station brand and refueling location, since each gas station might have a different policy, but ultimately, they’ll vary from $0.03 to $0.12 per gallon according to AtoB’s website.

By comparison, WEX fuel cards offer rebates averaging around $0.01 to $0.03 per gallon, depending on fuel volume, which is notably lower than AtoB’s regionally averaged figures. On the other hand, Comdata can offer rebates ranging up to $0.25 per gallon (although this high tier requires large volumes and is often limited to certain merchant types). Shell and ExxonMobil fuel cards typically average around $0.06 per gallon in rebates, which is pretty competitive to AtoB.

Ultimately, we suggest checking the station network in your area and seeing the sorts of rebates offered by them, as that will determine how appealing AtoB is for you. You’ll need to do the same for other providers for an apt comparison.

For instance, we can see from our rebates analysis that the East Coast is AtoB’s weakest region with an average of $0.04.5 per gallon. Whereas, Shell has a fairly strong selection of station availability on its East Coast, and should you spend over 10,001 gallons on fuel each month, you’ll get $0.06 per gallon rebates to better AtoB.

Separately, AtoB also claims to offer average discounts of $0.46 per gallon on truck diesel via its separate truck stop network, with savings up to a huge $1.85 off per gallon on truck diesel, making it a top fuel card for truckers in our view. While cards like the ExxonMobil FleetPro card offer fixed rates, which are appealing for future expense planning, and it also offers efficient diesel fuel designed for trucks, the rebates on offer with AtoB are far more enticing.

Pricing, fees, and value

AtoB offers two distinct products, but ultimately, if you have the correct number of cards for AtoB Flex, both cost $3/card/month. This is a fairly standard price for fuel cards, matching the cost of the Edenred Essentials card, just $1 extra per card compared to options like the WEX Fleet Card and ExxonMobil’s Business Pro Universal card, or just $1 less than the cost of a Coast Card. Some cards cost more, though, like the $8 per card, per month, Comdata card.

Still, if you are a small business that wants a fuel card, there are options such as the Shell Business Card, which costs nothing at all (although you are limited to using it at Shell stations nationwide, which could be far less appealing).

How We Reviewed Fleet Cards Like AtoB