The Best Fuel Cards with Discounts in 2025

A gas pump with coins flowing out of it

Fuel cards can shave real dollars off your fuel bill. But discounts can vary by brand, tier and where they’re applied, so some rebate claims can be misleading.

In this guide, we compare the top US fuel cards for real-world savings, from brand programs like BP Business Solutions Mastercard (up to $0.07 per gallon at BP/Amoco) and Shell Card Business (up to $0.06 per gallon at Shell) to universal networks like AtoB and WEX.

You’ll see discount tiers, acceptance coverage, and the fees that quietly eat savings, so you can pick the card that actually puts money back in your pocket. And we’ll note any current discount promos, too. Read on for all the details.

Fuel Cards with Discounts (2025): Key Takeaways

  • “Up to” rebates ≠ typical. At mid volumes, expect ~$0.03 to $0.06 per gallon on brand cards (e.g. 1,200 gallons per month → $36 to $72); AtoB diesel averages are higher (~$0.46 per gallon → $552 at 1,200 gal) but depends on routes and partners.
  • Rebate location matters. BP/Shell pays predictable cents-off at brand stations only; WEX/AtoB works almost everywhere, but everyday savings are lower or variable (unless you hit WEX EDGE or AtoB’s high-value partners).
  • Credits, not pump price. Most rebates post as statement credits, not instant price cuts. So, you’ll usually pay the credit price at the pump and net the savings on your bill.
  • Fees can erase gains. Watch for monthly/account fees, out-of-network charges, paper/invoice fees, returned payments, and late-fee formulas – small cents-off can disappear fast.
  • Coverage drives outcomes. WEX ≈95% station acceptance (best routing ease); BP is strongest East/Midwest; Shell thins in parts  (states like Montana, Wyoming, North Dakota and South Dakota); while brand cards shine only where their networks do.
  • Mix for real savings. Many fleets pair a brand card (predictable light-duty fills) with AtoB on diesel lanes, and keep WEX as a coverage back-up, then route to partner sites to capture the bigger cents-off.

Best Fuel Cards With Discounts: Quick Overview

Here’s a quick side-by-side look at the fuel cards that offer the best discounts:

Swipe right to see more
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BP Business Solutions Mastercard

Shell Card Business

AtoB Unlimited

WEX Fleet Card

Best For

Large fleets, high usage

Best For

Low monthly costs

Best For

New businesses, wide acceptance

Best For

Broad fleet-related expenses

Card Fees

$12/month, up to 2% for high credit risk accounts, potential transaction fees and late fee

Card Fees

No monthly payment, potential late payment fee

Card Fees

$35 setup fee, $3-$6/month

Card Fees

Bespoke monthly fee (reportedly $4/card/month); late payment fee

Savings and Discounts

Up to $0.07/gallon

Savings and Discounts

Up to $0.06/gallon

Savings and Discounts

An average of $0.46/gallon of diesel, $0.05 for unleaded gas

Savings and Discounts
  • Up to $0.15/gallon through WEX EDGE savings network
  • Up to $0.03/gallon everywhere else
Network

6,900 BP and Amoco locations, Mastercard

Network

13,000 Shell locations & participating Jiffy Lube locations

Network

Anywhere that accepts Visa

Network
  • Acceptance at 95% of US gas stations, including 45,000 service locations
  • WEX EDGE Network has over 4,500 sites
Key Features

Custom reporting, high savings, Mastercard acceptance, high-risk fees

Key Features

Free, detailed data analytics, up to 15% off at Jiffy Lube, gaps in coverage, limited security

Key Features

Telematics for fraud prevention, discounts after 3 months, wide acceptance, prepaid limitations

Key Features

Discounts for wide variety of fleet expenses, multiple mobile apps, low fuel discounts

1. BP Business Solutions Mastercard: Best for Fleets That Use 10,000+ Gallons per Month

Savings: Up to $0.07 per gallon, with higher rebates for higher fuel usage.

BP Logo
BP Business Solutions Mastercard
Strengths

High savings at up to $0.07/gallon

Accepted anywhere a Mastercard is

Highly customized reporting, with organization by driver, vehicle, MPG, exception, and more

24/7 customer service

Weaknesses

Extra fees incurred for out-of-network transactions, late payments, and high-risk accounts

No mobile app or gas station locator

Pricing
Monthly feesHigh credit risk feesTransaction feesLate payment fees
$12/card/month (free after 5,000 gallons of fuel) Up to 2% of credit limit per billing cycle None at BP or Amoco stations, up to $2 at all others Larger of $75 or 7.25% of balance for standard accounts, larger of $75 or 12.25% of balance for high-risk accounts

What discounts can you get with the BP Business Solutions Mastercard?

The BP Business Solutions Mastercard offers volume-based discounts. The higher the volume of gas used per month, the higher the discount. Once you’ve hit 10,000 gallons in a given month, the discount caps at $0.07 off per gallon.

GallonsRebate per Gallon
300-2,999$0.03
3,000-4,999 $0.04
5,000-9,999$0.05
10,000+ $0.07
BP Business Solutions Mastercard: Expected Savings vs Max (monthly)
Rebates apply at BP/Amoco only. Rebates typically post as statement credits.
Gallons/monthExpected rebate/gallon*Expected monthly savingsProgram max rebate/gallon†Max monthly savings (your volume)
600$0.03$18$0.07$42
1,200$0.03$36$0.07$84
2,500$0.03$75$0.07$175
5,000$0.05$250$0.07$350
10,000$0.07$700$0.07$700
  • *Expected = published tier at this volume ($0.03 for 300 to 2,999; $0.05 for 5,000 to 9,999; $0.07 for ≥10,000).
  • †Max = program’s top tier ($0.07) applied to your volume; requires ≥10,000 gallon/month.

Coverage caveat: Non-BP purchases generally don’t earn BP rebates and may incur out-of-network fees.

At 5,000 to 9,999 gallons, BP’s $0.05 tier matches Shell’s mid-tier and can exceed WEX non-EDGE rates. WEX EDGE sites can still outpace both (often $0.10 to $0.15 per gallon) if you can route to them.

Where is the BP Business Solutions Mastercard accepted?

The card can be used at over 6,900 BP and Amoco locations in the US and at any station that accepts Mastercard. However, using it outside BP and Amoco stations comes with an out-of-network fee of up to $2, and you won’t get discounts on those purchases.

Most BP and Amoco stations are located along the East Coast and in the Midwest, so if you operate outside of these regions, you might want to consider another card provider.

Screenshot of BP Solutions station locator
BP Solutions' station locator tool gives you a good idea of what regions stations are concentrated in. Source: BP Solutions

If your lanes are outside BP/Amoco density, WEX (~95% stations) or AtoB (network-wide) provide simpler routing. Shell is similar to BP – great if you’re near its brand network, limited elsewhere.

Management and reporting features with the BP Business Solutions Mastercard

BP gas card’s Business Solutions software collects all your account statements, reports, and other information – such as costs per mile and per gallon – in one location for easy analysis. You can also create and customize your own reports, with organization by driver, vehicle, MPG, exception, and more.

That reporting depth is comparable to Shell/WEX dashboards, though AtoB adds route-aware station guidance inside its Driver App. Unfortunately, BP doesn’t have a mobile app.

Security features with the BP Business Solutions Mastercard

The Business Solutions Mastercard provides security checks both at the pump and from afar.

To use the card for refueling, your drivers will need to provide their driver’s license ID numbers, as well as an odometer reading for their vehicle.

Managers can track these purchases from their offices in real time and deactivate cards immediately. This means potential fraud will be noticed and prevented sooner rather than later.

Finally, you can tailor your spending limits on a daily, weekly, or monthly basis, depending on your business’s specific expense cycles.

Driver prompts and spend controls are in line with Shell/WEX. AtoB goes further with telematics-based “location match” checks.

2. Shell Card Business: Best for Low Monthly Costs

Savings: Up to $0.06 per gallon at Shell stations via volume-based tiers (rebates post as statement credits, not at the pump).

Strengths

Dedicated data analytics software for optimizing fuel spending

High discounts compared with other free fleet cards

Up to 15% discount at participating Jiffy Lube locations

24/7 customer service

Weaknesses

Coverage gaps in western states like Montana, Wyoming, and the Dakotas

Limited security features increase risk of fraud

Pricing
Setup feesMonthly feesAnnual feesLate payment fees
None None None The larger of $75 or 6.99% of account balance
Shell Replaced The Shell Fleet Plus Card

In March 2025, the Shell Card Business replaced the old Shell Fleet Plus card on Shell’s fuel card roster. It’s designed for small and midsize fleets that mainly fuel at Shell, with simple reporting, mobile account tools, driver controls, and maintenance savings.

If you need near-universal acceptance, see its other new fuel card, the Shell Card Business Flex (up to $0.05 per gallon at Shell, with ~95% station coverage).

What discounts can you get with the Shell Card Business?

Standard Shell-only rebate tiers (credited on your statement):

GallonsRebate per Gallon
0-500$0.02
501-5,000$0.03
5,001-10,000$0.05
10,001+ $0.06

Note: Rebates apply to gallons of fuel purchased at Shell.

It’s essential to note that discounts are posted as statement credits for use on your next bill, rather than at the pump itself or redeemable as actual cash back. This is also true of WEX’s fuel card offerings.

However, now, there is no gallon limit for rebates with the Shell Card Business. Previously, the Shell Fleet Plus had a limit of 20,000.

Shell Card Business: Expected Savings vs Max (monthly)
Rebates apply at Shell only. Rebates post as statement credits.
Gallons/monthExpected rebate/gallon*Expected monthly savingsProgram max rebate/gallon†Max monthly savings (your volume)
600$0.03$18$0.06$36
1,200$0.03$36$0.06$72
2,500$0.03$75$0.06$150
5,000$0.03$150$0.06$300
10,000$0.05$500$0.06$600
  • *Expected = published tier at this volume ($0.02 for 0 to 500; $0.03 for 501 to 5,000; $0.05 for 5,001 to 10,000).
  • †Max = program’s top tier ($0.06) applied to your volume; requires >10,000 gal/mo.
  • Coverage caveat: Shell coverage is lighter in parts of MT/WY/ND/SD. For near-universal acceptance, see Shell Card Business Flex (different product/tiers).

At 5,001 to 10,000 gallons, Shell’s $0.05 tier matches BP’s mid-tier but may be outpaced by WEX EDGE sites (~$0.10 to $0.15 per gallon) or AtoB diesel averages on truck lanes.

Where is the Shell Card Business accepted?

The Shell Card Business is accepted at every Shell gas station in the United States, which is just under 13,000 sites. Additionally, certain participating Jiffy Lube locations across the country accept the Shell Card Business for maintenance services, like oil changes, offering up to a 15% discount.

Though Shell has a strong presence throughout most of the US, certain states have limited coverage. If your business operates primarily in Montana, Wyoming, or the Dakotas, the Shell Card Business may not be the best choice.

shell station locator map
Shell's station locator tool shows a solid range of refueling locations, but with notably less populated regions of the map. Source: Shell website via Expert Market

For 95% coverage of US stations while staying with Shell for your fuel card, we suggest looking at the Shell Card Business Flex (a separate product offering up to $0.05 per gallon at Shell).

WEX or Shell Card Business Flex are also options in this regard, while BP mirrors Shell’s “brand-first” model (strong savings where brand density is high).

Management and reporting features with the Shell Card Business

The Shell Card Business card comes with both desktop and mobile software solutions.

ClearView is Shell’s business spend management solution. It comes in two versions:

  • ClearView Essentials is for big fleets that need to process and organize large amounts of data into customized reports.
  • ClearView Snap is for smaller businesses that prefer automatically generated reports.

WEX Fleet SmartHub is a mobile app for making time-sensitive changes on the go. You can cancel cards, view transaction history, pull up your drivers’ IDs, see your available credit and more.

ClearView Snap/Essentials gives Shell parity with WEX’s SmartHub. AtoB adds driver-level “optimal station” guidance to chase bigger per-fill discounts.

Security features with the Shell Card Business

The Shell Card Business allows you to control spending and prevent fraud by setting limits on what can be purchased, how much can be spent, and when purchases can be made. You can also easily activate, suspend or terminate cards using online or mobile tools.

That said, the Shell Card Business lacks other basic card security features, such as PIN code protection at the pump and alerts for unusual activity patterns.

When you use the Shell Card Business, your drivers will also get access to roadside assistance through the National Automobile Club (NAC).

Overall, security is simpler than AtoB’s telematics-driven checks. The controls are broadly comparable to other brand programs (BP), while WEX adds wide acceptance plus EDGE-site savings where available.

3. AtoB Unlimited: Best for Low Credit Scores

Savings: AtoB offers an average of $0.46 off per gallon of diesel and $0.05 per gallon of unleaded gas through the AtoB Driver App, but this number is not guaranteed.

AtoB logo
AtoB Unlimited
Strengths

Accepted anywhere a Visa is

Advanced spend controls with vehicle telematics integration

Discounts on maintenance purchases and car washes through the AtoB Driver App

24/7 customer support

Weaknesses

Prepaid card structure can limit spending for large fleets

Requires three months of card use before becoming eligible for discounts

Pricing
Setup feesMonthly feesAnnual feesLate payment fees
$35 per account $3 per card for Basic Tier, $6 per card for Premium Tier None Larger of $50 or 5% of account balance

What discounts can you get with the AtoB Unlimited card?

AtoB requires three months of card use before you become eligible for discounts. After those three months, drivers can pay through the AtoB Driver App to receive very high discounts of $0.05 per gallon for unleaded fuel and $0.46 per gallon for truck diesel, on average. Discounts for diesel can go as high as $1.85 per gallon.

Since this is a prepaid card, you don’t have to worry about qualifying for a line of credit or doling out late payment fees.

Keep in mind that these numbers are not guaranteed and depend on how much fuel your fleet consumes.

AtoB Unlimited: Expected Savings vs Max (monthly)
Accepted network-wide (card network). Discounts vary by product/station and typically unlock via the AtoB Driver App after ~3 months of use.

Unleaded (typical app/network offers)

Gallons/monthExpected rebate/gallon*Expected monthly savings“Max” via app offers†Max monthly savings (your volume)
600$0.05$30$0.25$150
1,200$0.05$60$0.25$300
2,500$0.05$125$0.25$625
5,000$0.05$250$0.25$1,250
10,000$0.05$500$0.25$2,500

Diesel (OTR networks; app-unlocked)

Gallons/monthExpected rebate/gallon*Expected monthly savings“Max” at select truck stops†Max monthly savings (your volume)
600$0.46$276$1.85$1,110
1,200$0.46$552$1.85$2,220
2,500$0.46$1,150$1.85$4,625
5,000$0.46$2,300$1.85$9,250
10,000$0.46$4,600$1.85$18,500
  • *Expected unleaded ≈ $0.05/gallon via Driver App; diesel ≈ $0.46/gallon once discounts are active.
  • †Max reflects upper-end offers (unleaded ~$0.25¢/gallon; diesel up to ~$1.85/gallon) at specific partners; availability is not guaranteed.

Route planning matters: Your savings depend on product (diesel vs unleaded) and hitting high-value partner locations.

Mixed fleets often split cards, so we suggest using a brand card (BP/Shell) for predictable light-duty fills and AtoB on diesel lanes, given the stark difference in potential rebates. You could also keep WEX as a coverage back-up when AtoB partner pricing isn’t available.

Where is the AtoB Unlimited card accepted?

The AtoB Unlimited card works at any gas station that accepts Visa, making it one of the most widely accepted fleet cards on this list.

Acceptance breadth is on par with WEX, while bigger discounts hinge on AtoB’s partner network and app offers, unlike predictable BP/Shell brand tiers.

Management and reporting features with the AtoB Unlimited card

The software solutions available to you depend on whether you choose AtoB’s Basic Tier or Premium Tier service.

Basic Tier provides essential features for managing fuel purchases and tracking expenses. It also lets you assign AtoB Cards to drivers and transfer funds to a driver’s card directly through AtoB Payroll. It costs $3 per card per month.

AtoB software seeing what cards are active on your account.
You'll have a full list of the cards active on your AtoB account. Source: Expert Market

Premium Tier comes with the same features, as well as additional perks like optimal station selection through the AtoB Driver App, easy report export to Excel, and multi-user dashboard logins. Premium Tier customers also get priority customer support, resulting in shorter wait times compared with Basic Tier customers. It costs $6 per card per month.

Overall, we’d say AtoB’s Driver App stands out for optimal-station guidance, which is a capability not typically on BP/Shell/WEX dashboards.

Security features with the AtoB Unlimited card

The AtoB Unlimited card has a strong set of security features. Most notably, it uses telematics – technology that tracks vehicle location – to make sure gas purchases match your drivers’ locations.

Only authorized users can unlock the card as a PIN is required for every transaction. You can set spending limits, deactivate the card if needed, and get alerts for suspicious activity. You can also control which types of stores the card can be used at with customizable merchant category restrictions.

Its telematics “transaction-to-vehicle” matching is stricter than the driver prompts used by BP/Shell/WEX, which can help curb location-spoofed fraud.

4. WEX Fleet Card: Best for Broad Fleet Savings

Savings: The WEX Fleet Card offers discounts of up to $0.15 per gallon at WEX EDGE Savings Network stations, and up to $0.03 at all other accepting stations

Strengths

Discounts available for a wide variety of fleet-related expenses

Accepted at 95% of gas stations nationwide

WEX Benefits app lets you securely manage accounts, file claims, and check balances

24/7 customer service

Weaknesses

Much lower discounts than BP, Shell and AtoB

Bespoke pricing could result in high monthly costs for certain businesses

Pricing
Setup feesMonthly feesAnnual feesLate payment fees
None Bespoke None $60 + up to 8% of account balance

What discounts can you get with the WEX Fleet Card?

The WEX Fleet Card offers discounts of $0.03 to $0.15 per gallon. This is calculated as a volume-based discount, with more fuel resulting in higher savings, but WEX doesn’t provide the specific discount tiers.

It’s also based on where you refuel too, as only WEX EDGE Savings Network stations (around 4,500 nationwide) offer $0.03 to $0.15 discounts. Though again, WEX isn’t clear on where these high-rebate stations are located. Still, at all other stations, you’ll get $0.01 to $0.03 per gallon rates anyway, so you can still refuel almost anywhere and expect a rebate.

Like Shell, any rebate rates are applied as statement credits on your account, instead of at the pump for instant savings.

WEX also offers additional discounts on other fleet-related expenses via its WEX EDGE Savings Network. Discounts are available for auto services, tires, hotel stays, auto parts, and more, also at selected locations. However, the figure is 45,000 sites, according to WEX, which is much higher than the number of fuel stations in the WEX EDGE network.

WEX Fleet Card: Expected Savings vs Max (monthly)
Accepted at ~95% of US stations. Higher rebates usually require WEX EDGE Savings Network sites.
Gallons/monthExpected rebate/gallon*Expected monthly savingsProgram max at EDGE†Max monthly savings (your volume)
600$0.02$12$0.15$90
1,200$0.02$24$0.15$180
2,500$0.02$50$0.15$375
5,000$0.02$100$0.15$750
10,000$0.02$200$0.15$1,500
  • *Expected = typical non-EDGE range (~$0.01 to $0.03/gallon); shown here at $0.02 for conservative planning.
  • †Max = upper end seen at EDGE locations (up to ~$0.15/gallon). High-value sites aren’t publicly enumerated.

Coverage caveat: Your EDGE vs non-EDGE split drives outcomes; if you rarely hit EDGE, expect closer to ~$0.01 to $0.03/gallon.

As far as fees go, the WEX Fleet Card operates under bespoke pricing. In other words, you’ll need to contact its team for a quote. However, our research suggests the cost is around $4 per card, per month.

Overall, then, at EDGE stations (~$0.10 to $0.15 per gallon), WEX can match or beat brand-limited cards. If you can’t plan around EDGE, expect savings closer to $0.01 to $0.03 per gallon, which is less than BP/Shell tiers and often under AtoB diesel averages.

Where is the WEX Fleet Card accepted?

The WEX Fleet Card is accepted at 95% of gas stations across the US, as well as more than 45,000 auto service locations. WEX has one of the biggest networks of any fleet card provider.

Screenshot of WEX station locator tool
You can enter your address in the WEX station locator tool, and it'll show you all the nearby stations. Source: WEX website via Expert Market

As a result, WEX gives you the easiest routing. BP/Shell offers fewer locations but predictable brand rebates, while AtoB matches coverage breadth, but discounts hinge on its partner/app network.

Management and reporting features with the WEX Fleet Card

The WEX Fleet Card software includes automated accounting and customized reports, including data, like purchase activity, transaction summaries, exceptions and tax exemptions. This information can be accessed directly from your account dashboard on WEX’s website.

WEX also offers two mobile apps:

  • The WEX Connect app helps your drivers find gas stations and service centers by price, brand, distance or location.
  • The WEX Fleet SmartHub app allows you to quickly view transaction history, cancel cards, see your available credit, look up your drivers’ IDs and more.

WEX’s dual-app approach (Connect + SmartHub) mirrors Shell’s portal + app toolkit. Meanwhile, AtoB leans more heavily on driver-side guidance to chase higher per-fill savings.

Security features with the WEX Fleet Card

The WEX Fleet Card allows you to set customized spending controls, allowing gas purchases only during certain times and days, and within specified transaction limits.

Managers will receive alerts for unusual activity and can track transactions in real-time, with details on location, vehicle and driver. Cards can be deactivated remotely if fraud is detected.

At the pump, the WEX Fleet Card requires both PIN code verification and odometer readings from drivers before purchases can be made.

Driver PIN + odometer checks are broadly comparable to BP/Shell. AtoB adds geolocation/telematics matching for an extra fraud-control layer, however.

How to Find the Best Fleet Fuel Card

Discounts aren’t the only thing you should consider when choosing a fleet fuel card. You should also make sure the network coverage extends to where your fleet operates and compare savings to monthly fees, so you can be sure you’re getting good value for money.

Here’s a guide to getting set up with a fuel card:

1. Credit check for eligibility

First, check your credit score to see what cards you’ll qualify for. You can get a free copy of your credit report from AnnualCreditReport.com, Equifax or TransUnion. If you have a poor credit score, you still have options. Some providers are less strict than others, and prepaid fuel cards like AtoB Unlimited require no credit check at all.

2. Consider the specific requirements of your company

No two fuel cards are the same. Some are made with large fleets in mind, while others are geared towards smaller businesses. Look out for card fees and the savings you can make on gas through rebates or fixed tariff rates. You should also consider factors such as the gas station network – some cards have near-universal US coverage, while some are more limited to a specific area.

3. Research your options

Once you’ve understood what you are looking for in a fuel card, you can begin to search through the available options. You should look at the monthly card and account costs (bearing in mind that some providers don’t charge fees), and compare them to how much you’ll save on gas with the rebates offered. This will give you an idea of what fuel cards fit your budget. There are a lot of choices out there, so this can be a time-consuming process. You can speed up this stage by using our free comparison tool. Just answer a few simple questions and we’ll match you with providers who suit your needs.

4. Check for extra perks

While fuel cards can help you save on gas purchases, they can also offer extra perks that help drive extra savings. Some providers offer accounting features, and insights into fuel consumption and miles per gallon. Some cards are also valid for purchasing non-fuel-related products, such as engine lubricants, tires, cleaning and parking fees, or can grant you access to savings on hotel stays, food and other extras.

5. Submit your application

Applying for a fuel card is usually a straightforward process done online over the phone, or by mail. Following a successful application, you should receive your card within seven-to-10 business days.

How We Rank the Best Fuel Cards for Discounts

We 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 BP Business Solutions Mastercard is ideal for large fleets that can reliably fuel at BP/Amoco. Its top $0.07 per gallon tier is the highest brand-card rebate here, but savings are brand-only, and off-network fills don’t earn rebates (and can add fees), so value depends on your lanes and BP/Amoco coverage.

The Shell Card Business is totally free, making it a strong choice for low-cost operations near Shell coverage. Despite the $0 fees, its discounts of up to $0.06 per gallon are competitive, though coverage thins in parts of Montana, Wyoming and the Dakotas, so the benefit is not as strong in those states.

The AtoB Unlimited card suits newer businesses that need a prepaid option with network-wide acceptance. Expect roughly $0.05 per gallon on unleaded via the Driver App and much higher averages on diesel (~$0.46 per gallon) on the right routes. These savings depend on partner locations and typically unlock after about three months of use.

The WEX Fleet Card provides acceptance at ~95% of US stations and broad non-fuel savings. Everyday fuel rebates at non-EDGE sites are typically ~$0.01–$0.03 per gallon, but at WEX EDGE locations, you can see up to ~$0.15 per gallon, which can match or beat brand cards (if you can plan around those stations).

If you’re still feeling indecisive, no worries. Our free comparison tool will give you a personalized recommendation for your business’s ideal fleet card with discounts.

FAQs

Which fleet cards have no fees?
According to our research, the best fleet card with no fees is the Shell Card Business. Others include the WEX Fleet Card and the Sunoco Business Fleet Card.
What is the highest savings fleet card?
The BP Business Solutions Mastercard offers the highest guaranteed discount of $0.07 per gallon for purchases exceeding 10,000 gallons per month.
What credit score is needed for a fleet card?
Most fleet card providers require a credit score of around 580 or higher. Prepaid fleet cards, which don’t come with a line of credit, have no credit score requirement.
Written by:
David is a Certified Public Accountant and prolific finance writer, specialising in taxes, business accounting, and corporate finance. He holds a BSc in Accounting and has worked as a CPA, tax accountant, and senior financial accountant for several years. David has written and edited thousands of articles for millions of monthly readers, and has contributed to the likes of Investopedia, The Balance, OnPay, and now Expert Market.
Reviewed by:
Maïté Bouhali
Maite began her career with Expert Market nearly four years ago as a writer. She quickly developed a passion for the challenges faced by small businesses and now endeavours to help them make informed decisions for their future. In her current position as Business Software Editor, Maite works closely with writers to ensure that each article is informative, well-researched, engaging, and actionable for readers. With extensive knowledge of CRM, vehicle tracking devices, and fuel cards, she is meticulous in her review of each article and provides detailed feedback before publication. Whether you're seeking to stay informed on the latest trends in business software or need guidance in selecting the most appropriate software for your organisation's needs, Maite is here to help. With her sharp eye for detail and commitment to quality, she is dedicated to supporting businesses in achieving their goals.