Written by David Kindness Reviewed by Maïté Bouhali Updated on September 4, 2024 On this page Key Takeaways Top 4 Fuel Cards with Discounts in 2024 BP Business Solutions Mastercard Shell Fleet Plus AtoB Unlimited WEX Fleet Card Verdict How We Test Fuel Cards for Businesses FAQs Expand Struggling to find the best fuel card for your fleet? Between high fees, low discounts, or inadequate coverage, choosing the right card can be challenging.Our guide compares the four top fuel cards with discounts in 2024. We cover key issues like discount levels, network coverage, and essential features.Below, you’ll find out which card offers the best savings and fits your business needs, helping you optimize your fleet’s fuel expenses. Key Takeaways Swipe right to see more 0 out of 0 backward forward BP Business Solutions Mastercard Shell Fleet Plus 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 $10 per 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 per month, potential late payment fee Card Fees Bespoke monthly fee, potential late payment fee Savings and Discounts Up to 7¢ per gallon Savings and Discounts Up to 6¢ per gallon Savings and Discounts Up to 12¢ per gallon, average 5¢ Savings and Discounts Up to 3¢ per gallon Network 6,900 BP & Amoco locations, Mastercard Network 13,000 Shell locations & participating Jiffy Lube locations Network Anywhere that accepts Visa Network 95% of U.S. gas stations, 45,000 service locations 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 Top 4 Fuel Cards with Discounts in 2024 1. BP Business Solutions MastercardSavings: Up to 7¢ per gallon, with higher rebates for higher fuel usage. BP Business Solutions Mastercard Get free quotes Quick overview The BP Business Solutions Mastercard is the best fleet card for large fleets that use more than 10,000 gallons of fuel per month. Read more + Read less - Strengths High savings at up to 7¢ per 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 See more See less Monthly feesHigh credit risk feesTransaction feesLate payment fees $10 per card per 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 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 7¢ off per gallon.GallonsRebate per Gallon300-2,9993¢3,000-4,999 4¢5,000-9,9995¢10,000+ 7¢Which gas stations accept the Business Solutions Mastercard?The card can be used at over 6,900 BP and Amoco locations in the U.S. and any station that accepts Mastercard. However, using it outside BP and Amoco stations comes with a transaction fee of up to $2, and you won’t get discounts on those purchases.What software comes with the Business Solutions Mastercard?BP’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.Unfortunately, BP doesn’t have a mobile app.How secure is the 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. 2. Shell Fleet PlusSavings: Up to 6¢ per gallon, with higher rebates for higher fuel usage Shell Fleet Plus Get free quotes Quick overview The Shell Fleet Plus card is the best fleet card for companies looking to keep monthly costs low. It’s completely free and has no setup fees, monthly fees, or annual fees. Read more + Read less - Strengths Dedicated data analytics software for optimizing fuel spending High discounts compared to 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 See more See less Setup feesMonthly feesAnnual feesLate payment fees None None None The larger of $75 or 6.99% of account balance What discounts can you get with the Shell Fleet Plus card?Like the BP Business Solutions Mastercard, the Shell Fleet Plus card offers volume-based discounts. Your discount per gallon rises with the amount of fuel you use per month. Once you reach 10,000 gallons in a given month, your discount settles at 6¢ off per gallon.GallonsRebate per Gallon0-5002¢501-5,0003¢5,001-10,0005¢10,001+ 6¢Which gas stations accept the Shell Fleet Plus card?The Fleet Plus card is accepted at every Shell station in the United States—just under 13,000. Additionally, certain participating Jiffy Lube locations across the country accept the Fleet Plus card for maintenance services like oil changes, offering up to a 15% discount.Though Shell has a strong presence throughout most of the U.S., certain states have limited coverage. If your business operates primarily in Montana, Wyoming, or the Dakotas, the Shell Fleet Plus card may not be the best choice.What software comes with the Shell Fleet Plus card?The Shell Fleet Plus 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.How secure is the Shell Fleet Plus card?The Shell Fleet Plus card 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 Fleet Plus card 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 Fleet Plus card, your drivers will also get access to roadside assistance through the National Automobile Club (NAC). 3. AtoB UnlimitedSavings: AtoB offers up to 12¢ off per gallon through the AtoB Driver App after three months of card use—but this number is not guaranteed, with the average discount being 5¢ per gallon AtoB Unlimited Get free quotes Quick overview As a prepaid fleet card, the AtoB Unlimited card is the best fleet card for new businesses that haven’t yet built up a high credit score. Read more + Read less - 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 See more See less 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 up to 12¢ per gallon for unleaded fuel and 84¢ per gallon for truck diesel.Keep in mind, these numbers are the maximum possible discount. On average, discounts with the AtoB Unlimited Card end up being around 5¢ per gallon for unleaded fuel and 42¢ per gallon for truck diesel.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.Which gas stations accept the AtoB Unlimited card?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.What software comes 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.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 to Basic Tier customers. It costs $6 per card per month.How secure is the AtoB Unlimited card?The AtoB Unlimited card has a strong set of security features. Most notably, it uses telematics—which is a 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. 4. WEX Fleet CardSavings: The WEX Fleet Card offers discounts of up to 3¢ per gallon. WEX Fleet Card Get free quotes Quick overview The WEX Fleet Card is the best fleet card for businesses that want to save on a broad range of fleet-related expenses, including gas, hotels, and auto parts. Read more + Read less - 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 See more See less 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 3¢ per gallon. This is a volume-based discount, with more fuel resulting in higher savings—but WEX doesn’t provide the specific discount tiers.This card makes up for its low fuel discount by offering additional discounts on other fleet-related expenses via the WEX EDGE Savings Network. Discounts are available for auto services, tires, hotel stays, auto parts, and more.As far as fees go, the WEX Fleet Card operates under fully bespoke pricing—you’ll need to contact its team for a quote.Which gas stations accept the WEX Fleet Card?The WEX Fleet Card is accepted at 95% of gas stations across the United States, as well as more than 45,000 auto service locations.What software comes with the WEX Fleet Card?The WEX Fleet Card software included 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.How secure is 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. Verdict The BP Business Solutions Mastercard is ideal for large fleets, offering high savings of up to 7¢ per gallon, but it comes with high potential fees and lacks a mobile app.The Shell Fleet Plus card is totally free, making it the optimal choice for low-cost fleet operations. Despite being a free card, its discounts of up to 6¢ per gallon are impressive—but it has limited coverage in Montana, Wyoming, and the Dakotas.The AtoB Unlimited card is tailored to newer businesses that haven’t built up a credit score and need a prepaid fleet card. It’s accepted anywhere a Visa is, with average discounts of 5¢ per gallon.The WEX Fleet Card provides broad discounts for a swathe of fleet-related expenses, as well as acceptance at 95% of gas stations—but it offers much lower fuel savings of only 3¢ per gallon.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. How We Test Fuel Cards for BusinessesAt Expert Market, we evaluate fuel cards in five categories.Security: We look at their protective measures to safeguard cardholder information and transactions.Customer support: We assess the availability of support resources, including phone, email, chat support, and online forums.Expense management: We look at the tools for tracking and managing fuel-related expenses, such as transaction monitoring, reporting, and receipt management.Convenience: We assess the card’s ease of use, including the network of accepted fuel stations, accessibility, and additional features like mobile apps and price comparison tools.Card specifics: We review card details like fees, accepted fuel types, card type, and fee structure.In this case, we picked 13 fuel cards from the top providers in 2024 and used these five categories, as well as 13 subcategories, to narrow the list down to these four fleet cards with discounts.As a final step, we assigned a higher value to the categories considered most important by Expert Market readers and weighted our results accordingly. This ensures our recommendations align with the actual needs of our readers. FAQs Which fleet cards have no fees? According to our research, the best fleet card with no fees is the Shell Fleet Plus card. 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 7¢ 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 Kindness 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 Business Software Editor 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.