The Best Fuel Cards with Discounts 2023

Driver using a petrol pump

Make savings every time you fill up by investing in a fleet fuel card with added discounts. The fuel card offering the highest rebate per gallon is currently the bp Business Solutions Mastercard®.

Especially with rising gas prices, it’s crucial that you are getting the highest discount fuel card on the market. What may give you the best savings may not be the same across the board. bp's Business Solutions Mastercard® offers savings of up to 7¢ per gallon, based on volume, so it rewards larger fleets with higher fuel consumption. The decision is often not as simple as who offers the highest rebate, as the monthly fees can sometimes add up. Additionally, cards such as the WEX FlexCard, AtoB Unlimited and Shell Fleet Plus® offer worthwhile discounts and valuable other factors such as wider coverage of gas stations. It's worth looking into the individual offering of each card to determine which suits your specific needs.

In this article, we'll compare the top fleet fuel cards with discounts on the market in 2023.

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Top 4 fuel cards with discounts

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bp Business Solutions Mastercard®

Shell Fleet Plus®

AtoB Unlimited

WEX FlexCard

Best For

Higher monthly fuel usage

Best For

No card fees

Best For

Smaller fleets

Best For

Huge filling station coverage

Card Fees
  • Up to $10 per month (free after 5,000 gallons of fuel)
  • High-risk accounts and late payments subject to extra fees
Card Fees

No card fees, monthly, annual or set-up

Card Fees
  • $25 account set-up fee
  • $3 per active card per month
Card Fees
  • No set-up, annual or card fees
  • Payment processing, late fees and account management fees
Savings and Discounts

Up to 7¢ per gallon with volume-based rebates

Savings and Discounts

Up to 6¢ per gallon (10,000+ gallons per month)

Savings and Discounts

3¢ per gallon for the first 3 months then, up to 25¢ off per gallon with the AtoB Driver App

Savings and Discounts

3¢ per gallon and as well as other exclusive discounts

Network

Accepted at over 6,800 BP or Amoco locations in the U.S and any other station that accepts Mastercard

Network

Nearly 13,000 Shell stations and participating Jiffy Lube locations nationwide

Network

Anywhere that accepts Visa

Network

Covers all major U.S. filling stations and over 45,000 service locations

Key Features
  • 24/7 customer service
  • Driver ID and odometer prompts
  • Track per gallon, cost per mile etc.
  • Set card controls and use limits
  • Immediate deactivation
Key Features
  • 24/7 customer service
  • Roadside assistance
  • 15% discount at participating Jiffy Lube locations
  • Fleet SmartHub® app access
  • ClearView™ data analytics
Key Features
  • Prepaid Visa card
  • Find best fuel prices with the app
  • Builds credit with Experian
  • Easy access, mostly instant approval time
  • 24/7 support
Key Features
  • Custom, detailed reports
  • Employee spending limits
  • Access premium GPS tracking
  • Purchase alerts
  • 24/7 support

bp Business Solutions Mastercard®

Savings: up to 7¢ per gallon

BP Logo
BP Business Solutions Mastercard®
Savings Up to 7¢ per gallon with volume-based rebates
Quick overview

This card is an excellent choice for well-established, medium to large fleets with higher fuel consumption. If you fill up 10,000 gallons or more in a month, you can secure the maximum rebate of 7¢ per gallon. The less fuel you buy, the less rebate you earn. With gas prices in a volatile state, you want to make sure you get the maximum saving.

Another reward for larger fill-ups is that you can avoid the $10 monthly card fee after you hit 5,000 gallons per month. Fleets with lower fuel consumption may be better off with the WEX Fleet Card or Shell Fleet Plus®, which don't charge monthly fees at all.

Since bp is partnered with Amoco, you can fill up at over 6,800 stations throughout the US at no extra cost. You can also use your card at any other station that accepts Mastercard, however, purchases at locations other than bp and Amoco will be charged a transaction fee and are not eligible for rebate.

Read our review on bp's other cards.

Strengths

Up to 7¢ per gallon savings

Can be used anywhere that accepts Mastercard

Track gallons, cost per mile etc.

Weaknesses

Extra fees for out-of-network transactions, late payment, high risk accounts

No station locator

Pricing
Monthly feesHigh credit risk feesTransaction feesLate payment fees
Up to $10 per month (free after 5,000 gallons of fuel) Up to 2% of the credit limit None at bp or Amoco, up to $2 at other stations 7.25% - 12.25% of new balance

Shell Fleet Plus®

Savings: up to 6¢ per gallon

Shell Logo
Shell Fleet Plus®
Savings Up to 6¢ per gallon
Quick overview

The biggest plus with the Shell Fleet Plus® card is that there are no fees, and that goes for sign-up, monthly and annual. That means you can take advantage of the great saving opportunities offered at no extra cost to your business. With some other cards, you may end up spending as much in fees as you save in rebates if you don't use the card enough. With the Shell card, you will save money regardless of how much you fill up.

If you fill up more than 10,000 gallons per month, you can earn a solid rebate of up to 6¢ per gallon. What’s more, is that there are no set-up or monthly card fees to access these savings. You'll also get 15% off at participating Jiffy Lube locations, which is sure to come in handy.

Shell's Fleet Plus Card can only be used to buy fuel at Shell stations, but with 13,000 stations covering 47 of the lower 48 states (Montana is the exception), the coverage may well be good enough for your fleet. Need a little more coverage? The WEX Fleet Card covers 95% of all U.S. stations, so could be a more suitable alternative for cross-country drivers.

With this card, you’ll also gain access to the Fleet SmartHub® app, which provides you with a clear overview of your transactions and available credit and also allows you to spot potential misuse and cancel stolen or lost cards.

Read our in-depth review on Shell's fleet cards.

Strengths

Comes with an excellent station finder web app

Data reports point out opportunities for you to save money

Shell provides 24/7 customer service to fuel card users

Weaknesses

Coverage gaps in some parts of the Midwest and Southwest

Rebates are only truly generous if you buy over 10,000 gallons per month

Pricing
Set-up feesMonthly feesAnnual fees
None None None

AtoB Unlimited

Savings: 3¢ per gallon, up to 25¢ off per gallon with AtoB Driver app

AtoB logo
AtoB Unlimited
Quick overview

AtoB offers a prepaid Visa fuel card that is an ideal match for smaller or newer businesses. It’s available to anyone, regardless of credit score and also helps build your score by exporting to Experian. There is a $25 set-up fee, then an ongoing $3 monthly fee.

Since it’s a prepaid card, you can pre-load funds and there are no spending limits. Whatever you load onto the card, you can spend. Unlike other cards, such as bp’s Mastercard, you won’t incur any late repayment fees or credit limits as it is not a gas credit card.

In terms of rebates, AtoB offers a relatively lower rebate of 3¢ per gallon for the first 3 months. AtoB offers theoretical savings of up to up to 25¢ off per gallon with its Driver App, through reporting and tracking, helping drivers find stations with the best gas prices and by offering competitive discounts on tires, maintenance, washes etc.

Strengths

Accepted anywhere that accepts Visa

24/7 customer support

Telematics integration in-app

Weaknesses

Much lower rebates then bp and Shell

Pre-paid structure can be limiting for larger fleets with multiple drivers

Pricing
Set-up feesMonthly fees
$25 $3 per card

WEX FlexCard

Savings: 3¢ per gallon and other exclusive discounts

Wex logo
WEX FlexCard
Savings 3¢ per gallon and other exclusive discounts
Quick overview

Beyond just a fuel card, the WEX FlexCard should be thought of as a package that takes into account the bigger picture, granting you the ability to drive real savings.

The biggest drawback with this card is that you can only get rebates for one year or up to 6,000 gallons, since its an introductory promotion. While the rebates are lower than both the bp and Shell cards, at around 3¢ per gallon (at participating stations), you will also get exclusive discounts on the following via the WEX EDGE Savings Network:

  • Tires, auto parts and services at over 2,200 Bridgestone Retail Operations locations to help with overall costs.
  • Stays at over 18,000 hotels across the U.S
  • Sprint Business wireless solutions and accessories
  • Deals on data analytics and reporting, premium GPS tracking, and other tools (though WEX doesn’t make it clear what platforms or software this applies to)

Possibly the most widely accepted card at major U.S. gas stations, the WEX FlexCard is also a reliable choice for cross-country fleets. The card is also accepted at more than 45,000 different service locations and can be used to pay for vehicle maintenance.

Read our extended review of WEX's fleet fuel cards.

Strengths

Advanced spending controls

Automated accounting and customized reports

Carry a monthly balance for when cash flow is tight

Weaknesses

Lower rebates per gallon than bp and Shell

Rebates only apply for one year or 6,000 gallons per account

Pricing
Set-up feesMonthly feesAnnual fees
None None None

How did we compare the best fuel cards with discounts?

At Expert Market, we aim to provide you with the most accurate, up-to-date, and transparent information possible. To help you better understand the best fuel cards with discounts, we’ve conducted in-depth, extensive research into 13 fuel cards, whittling them down to just four for this article.

For this article, we first looked at all the card essentials you need to know when making your choice, including fees, accepted fuel types, card provider, network coverage and perks.

Then we considered the most important questions and did our best to answer each one.

  1. How convenient is this card to use?
  2. Can it make my fuel spending more secure?
  3. Can it help my business manage its fuel expenses better?

Our independent researchers then used these points to clarify the pros and cons of each card to help you make an informed decision.

Verdict

bp Business Solutions Mastercard® offers the greatest savings with up to 7¢ per gallon with volume-based rebates. This is certainly the best choice for large fleets since they are able to waive the monthly fee after 5,000 gallons.

However, for smaller businesses, the high monthly fees may detract from the overall saving. It's accepted at any location that takes Mastercard as well as bp and Amoco stations U.S.-wide, of which there are around 6,800.

A solid alternative is the WEX FlexCard, which while it offers significantly lower rebates at 3¢ per gallon, it is free from monthly fees. It also grants you access to the WEX EDGE savings network , which could mean better results on your bottom line. With acceptance at all major U.S. gas stations, it also offers excellent flexibility for drivers.

Again, it all depends on your specific needs, take a moment to get a personalised quote with our free comparison tool.

FAQs

What is the best fuel discount card?
bp's Business Solutions Mastercard® is the best option for large fleets that regularly surpass 5,000-10,000 gallons of fuel per month. For fleets with lower fuel consumption, consider the WEX FlexCard. Though it offers lower rebates at face value, its extra discounts and lack of monthly fees could work out more cost-effective.
Do fuel cards give you a discount?
Most fuel cards offer rebates, between 3-7 cents per gallon. Some offer extra bells and whistles such as discounts on vehicle maintenance, auto parts, telematics and other fleet management tools.
How can I get discount on fuel?
Signing up for a fuel card with high rebates allows you to receive discounts each time you fill up.
Are fuel cards cheaper than pump prices?
Even with a fuel card, you still pay the same amount at the pump for your gas. Most fuel cards give rebates, which allow you to reclaim between 3-7 cents per gallon, depending on your provider.
What credit score is needed for a fuel card?
It depends. A good or excellent credit score means you can apply for the best fuel cards, with the most benefits. However, you can always apply for a pre-paid card such as AtoB's Unlimited Visa card, even without a credit score.
Written by:
Alice Martin Software Expert

Alice is one of Expert Market’s resident software experts, helping businesses improve their efficiency or reach, with an emphasis on productivity software, CRM and telecommunications.