The 9 Best Gas Credit Cards in 2023

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After our extensive research and consideration, we've decided that the best gas credit card is Wex. With an incredible 45,000 fuelling sites across the country, their package is simply too good to ignore.

Commercial gas credit cards (also known as fleet fuel cards) allow you to track purchases and employee spending, give you detailed reports, help you manage maintenance and fuel expenses, and give you full control of spending for your business vehicles. With the rising cost of fuel and inflation, cutting down on gas costs is crucially important. 

We’ve reviewed and rated the best gas fuel cards for fleets to bring you our top picks for 2023. As mentioned, our top pick is the WEX fuel card, offering the best gas station network of any card we reviewed. However, we've included eight alternatives that might suit your specific fleet better. You can also use our free cost comparison tool to find out the best options for your business. Read on to learn more about each of our featured fuel card companies…

The 9 Best Gas Credit Cards in 2023

The top nine commercial fuel card companies are WEX, Fuelman, ExxonMobil, BP, Shell, Arco, Comdata, RTS Financial, and Chevron Texaco:

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Chevron Texaco

RTS Financial


Average Discount

3 cents per gallon

Average Discount

3 cents per gallon

Average Discount

3 cents per gallon

Average Discount

5 cents per gallon

Average Discount


Average Discount


Average Discount


Average Discount

25 cents per gallon

Average Discount

8 cents per gallon


Over 45,000 sites


Over 14,000 sites


Over 12,000 sites


Over 7,000 sites


Over 1,500 sites


Over 8,000 sites


Over 8,000 sites


Over 2,000 sites


Over 50,000 sites

The fuel card market has been skyrocketing over the past few years, nearly doubling in size. There are plenty of fleet company gas cards, but only a few that offer significant savings and benefits for fleets of all sizes.

So, of all the options available, how did we single out the top nine? Well, we identified the criteria that would be most important to businesses, and conducted in-depth research into the fuel card programs available, analyzing a variety of factors including:

  • Coverage: How many stations can your drivers use the card at, and where are they situated? Are they spread across the US or concentrated in a particular region?
  • Savings: How many cents can you earn in rebates for each gallon of fuel your drivers buy with the card? In what other ways can the fuel card program help you save cash?
  • Benefits: What handy features can the fuel card program offer to benefit your business? Does it have measures for fraud prevention, spending control, and more?

With all this in mind and combined with our 7 years of experience reviewing fuel cards, we’ve compared national and regional fleet company gas cards to bring you the nine best fleet fuel cards for small businesses and beyond.

Truck driving along a road
Get your fleet out on the road with the right fuel card for your needs

WEX Fleet Fuel Cards: Best Overall

WEX Fleet Cross Roads Card
Quick overview

All of WEX's fleet cards are truly universal – they can be used at 95% of the US's fuel stations, plus 45,000 service locations across the country, which is the main reason we selected WEX as our top provider. So, no matter which WEX-branded fleet card you pick, you can rest assured that your drivers will always be close to somewhere to fill up on gas or diesel. We're also fans of WEX's range of convenient apps for fleet managers and drivers.


All cards can be used at 95% of US gas stations

Use WEX ClearView to see digestible reports on your fleet's fuel spend

Comes with great apps for drivers, including WEX Connect station-finder and DriverDash mobile payments


Fees are not shared publicly (but we do know the FlexCard comes with none)

Its 3 cents rebate is not as generous as other providers

WEX's Fleet Cards

WEX Fleet CardWEX FlexCardWEX Fleet Cross Roads Card
Station coverage95% of US fuel stations, plus 45,000 service locations
SavingsAccess to WEX EDGE Savings Network3 cents per gallonAccess to WEX EDGE Savings Network
Monthly feesUnspecifiedNoneUnspecified

Fee information accurate as of January 2023

WEX Fleet Card

Suitable for small businesses, the WEX Fleet Card aims to give you easy visibility and control over your fleet, with spending controls, automated accounting, purchase alerts, and customized reporting. You'll also benefit from the WEX EDGE Savings Network, which grants you discounts on fuel, tires, services, hotel rooms, and more.

There's also a variation of this card for large fleets – the WEX Large Fleet Card – which comes with advanced analytics and enhanced security. As far as we can tell, though, you won't get access to EDGE with this card program, as those discounts and deals are designed to help small businesses save much-needed cash.

WEX FlexCard

Also ideal for small fleets, this souped up savings machine gets you a 3 cent rebate at any station in WEX’s massive partner network. You'll also be able to carry a monthly balance on your cards for when cash flow is tight. Helpfully, you also won't need to pay any setup fees, annual charges, or card fees on this card program.

WEX Fleet Cross Roads Card

Aimed at trucking fleets big and small, WEX’s Fleet Cross Roads Card can be used at truck stops, including Pilot Flying J, Love’s, and TA, plus many other independent truck stops. Like the WEX Fleet Card, it also grants you access to the EDGE Savings Network.

WEX's Gas Station Coverage

There are over 160,000 stations and 45,000 service centers in WEX’s network, encompassing national and regional brands like 76, BP, Citgo, ExxonMobil, Gulf, Marathon/Speedway and Sunoco. Any WEX card – whether it carries the WEX name or a retailer’s brand – is valid at any member station. Note, however, that not all benefits carry across between brands within the network.

Compare personalized quotes from the best fleet card providers for your business. Just answer a few questions – it only takes a minute

Shell Fleet Fuel Cards: Best for Small Fleets

Shell Logo
Shell Fuel Cards
Quick overview

While Shell provides excellent fleet cards for businesses of all sizes, we've chosen it as our gas card pick for small fleets thanks to the Shell Small Business Card. This card program comes with no monthly card fees, as well as generous rebates and Jiffy Lube discounts designed to help small businesses save money. Your employees will only be able to use it at Shell stations, but there are over 14,000 of them spread across the majority of the states, so coverage is still good. However, if you're looking for more generous coverage of gas station locations across the country, we'd recommend looking at Wex.


Comprehensive purchase reporting tools

Great geofencing lets you set location-based spending limits

Superior station-finding web app


Coverage gaps in some parts of the Midwest and Southwest

Shell's Fleet Cards

Shell Small Business CardShell Fleet Plus CardShell Fleet Navigator Card
Station coverage14,000+ Shell stations, plus participating Jiffy Lube locations95% of US fuel stations
SavingsUp to 6 cents per gallon, plus discounts at Jiffy LubeUp to 5 cents per gallon, plus discounts at Jiffy Lube
Monthly feesNoneUnspecified

Fee information accurate as of January 2023

Shell Small Business Card

This is a fantastic zero-fee card for small fleets. With it, you get purchase monitoring features, rebates, and full-time online account management. We really like the way Shell clearly itemizes different purchases in your card statements.

Shell Fleet Plus Card

The Shell Fleet Plus Card offers sliding-scale rebates based on your purchase volume. For medium-sized or regional fleets, this is a serious option.

Shell Fleet Navigator Card

This Mastercard-issued card offers top notch security, stellar customer service, and more in-depth reporting than most others. It’s also accepted at most filling stations nationwide. If you have a geofencing-enabled fleet management system, you can actually pair the two together to set up your own custom fuel network.

Shell's Gas Station Coverage

Shell has over 14,000 stations covering 47 of the lower 48 states (Montana being the sole exception). There are some coverage gaps in the less-populated parts of the Midwest, Southwest, and the Mountain Time Zone.

Shell offers some fantastic programs – but are they right for you? We can take the hassle out of comparing and help you zero in on your ideal fleet card – just pop some details into our short form, and we’ll match you with some great options. Those suppliers will then be in touch with bespoke quotes. Yep, it’s as easy as it sounds!

Compare personalized quotes from the best fleet card providers for your business. Just answer a few questions – it only takes a minute

ExxonMobil Fleet Gas Cards: Best Customizable Fleet Card Program

ExxonMobil Fuel Cards
Pricing $2 per month plus $40 set-up fee
Quick overview

The best part about ExxonMobil is its options to tailor spending and set card limits. Recent changes to its rebate system have made it less generous; it's now 3¢ per gallon for all members, but there's a few ways to boost this. It has more refuelling sites than BP, but fewer than Shell.


Convenient mobile payment

Good customization options on fuel spending

Flexible payment options if your fleet is smaller than 15 vehicles


Few refuelling spots on the West coast

Extra fees if you sign up to carry a balance

Rebate system is confusing

One-time set up feeMonthly card fee
$40 $2

ExxonMobil's Fleet Card

ExxonMobil BusinessPro Card
Station coverageMore than 11,500 Exxon and Mobil stations, or extend to 95% of US stations
SavingsUp to 6 cents per gallon at Exxon and Mobil stations
Monthly feesNone (or $2 per card to access 95% of US stations)

Fee information accurate as of January 2023

ExxonMobil BusinessPro Card

The unique thing about ExxonMobil's BusinessPro fleet card is that it can be either a branded or a universal card, depending on what you need it for. If you want to avoid card fees, you can use the card at any of Exxon and Mobil's 11,500 US stations. However, if you need more station coverage, you can upgrade your cards so that they can be used at 95% of US fuel stations – but for this benefit you'll need to pay a one-time setup fee of $40 per card, and a monthly fee of $2 per card.

ExxonMobil's Gas Station Coverage

Exxon and Mobil stations tend to be concentrated on the East Coast, with coverage outside this area being limited to interstates, state highways, and major cities. There’s no coverage in Nevada, Iowa and Kansas. You can locate stations near you via the web or a free iOS/Android app, which we’d definitely recommend doing if you’re considering the Business Fleet Card. The ExxonMobil card offerings also aren’t as easy to scale as those from other fleet company gas cards.

If scalability is going to be important to you, you should investigate and compare scalable fleet card programs. We can make this process easier – simply use our online form to tell us about your business needs, and you’ll receive tailored quotes from a range of suitable providers.

Did You Know?

The global fuel card market is expected to expand 6.6% between 2022 and 2023 due to a surge in importance of digital transaction modes. In other words, most businesses are rushing to use digital finance services as digitization continues to increase globally

Compare personalized quotes from the best fleet card providers for your business. Just answer a few questions – it only takes a minute

BP Fleet Gas Cards: Best for Large Fleets

BP Logo
BP Fuel Cards
Quick overview

We've picked BP as an excellent option for large fleets because of its Business Solutions Mastercard, which can be used at any station across the US that accepts Mastercard. What makes this card so good is that it has no monthly fees attached – which is pretty rare in the world of universal fleet cards – so long as your team buys more than 5,000 gallons of fuel per month. If you run a large fleet, that's not too difficult a target to meet.

But it's not just for large fleets. With three different cards to choose from, BP enables you to invest in a card that meets your small business’s individual needs.

The BP Business Solutions card is the best fleet card for small businesses because it allows you to rework your plan as you go. This means you’ll always get the best deal, no matter your circumstances.


Earn rebates of 15 cents per gallon for the first three months of using your cards

Easily keep an eye on purchases that are made outside of working hours

You can schedule payments to be made when convenient to your business

Excellent gas station coverage for businesses based in the East


No mobile gas station locator app

No BP or Amoco stations in 14 states across the West and Midwest

On the universal card, you'll pay up to $2 to buy fuel from stations that aren't BP or Amoco

Small fleets that use less than 5,000 gallons will pay a monthly fee

BP's Fleet Cards

BP Business Solutions MastercardBP Business Solutions Plus Card
Station coverageAny station that accepts MastercardBP and Amoco branded stations
SavingsUp to 5 cents per gallon at BP and Amoco stations
Monthly fees$10, or none if you buy more than 5,000 gallons of fuel

Fee information accurate as of January 2023

BP Business Solutions Mastercard

Aimed at medium to large fleets, BP's Business Solutions Mastercard can be used at any station that accepts Mastercard payments – but you'll need to pay an out-of-network transaction fee of up to $2 for any fuel you buy at stations that aren't BP or Amoco. Unlike the Business Solutions Plus Card, you can use this fleet card to pay for maintenance services as well as fuel.

BP Business Solutions Plus Card

Designed for smaller fleets, this gas card comes with 24/7 fuel spend reporting, customizable user profiles and spending limits, and  fraud prevention controls – as does the Business Solutions Mastercard – but it can only be used at BP and Amoco stations.

BP's Gas Station Coverage

Finding one of the 7,500 BP or Amoco stations is easy enough in a browser, but users should be aware that as of 2022, BP still doesn’t have a locator app for drivers in the US (though third-party station-finding apps do exist). While BP does operate several stations on both coasts, coverage west of the Mississippi can be unpredictable, so the Business Solutions Plus Card is better for fleets that operate in the east.

Compare personalized quotes from the best fleet card providers for your business. Just answer a few questions – it only takes a minute

ARCO Fleet Gas Cards: Best for West Coast Fleets

ARCO Fuel Cards
Quick overview

The sheer number of ARCO stations that are concentrated across the West Coast makes it our top fleet card option for businesses that operate in the West. That said, like most gas card providers, it does also offer a universal fleet card that can be used at any gas station that accepts Mastercard, as well as ARCO's 1,500 locations.

If you’d like to have more control on the amount of money your small business is spending, or wish to give your drivers more freedom, the ARCO card allows both. Thanks to its thorough insights, ARCO will also help you to crack down on your small business' fuel spending habits, helping you cut costs in the long run.


Excellent gas station coverage for businesses on the West Coast

Monthly $1 card fee is cheaper than most (but zero fees would be better!)

ARCO is known for pricing its fuel fairly


We can't be sure how competitive its fuel rebates are

There are only 1,500+ ARCO locations in the US

You'll be charged a 1-2% service fee for every transaction

ARCO's Fleet Cards

ARCO Business Solutions Fuel CardARCO Business Solutions Mastercard
Station coverage1,500+ ARCO stationsAny station that accepts Mastercard
Monthly fees$1 per card, or $15 total (whichever is cheaper)

Fee information accurate as of January 2023

ARCO Business Solutions Fuel Card

ARCO’s signature card lets your drivers fill up at any participating ARCO station. Features include: detailed reporting, security controls (using PIN codes), digital statements, tracking (by vehicle, driver or mileage), instant deactivation for lost or stolen cards, ‘fuel only’ purchase restrictions, and full-time account access.

If you’re sticking to a budget, you’ll be well-looked after with ARCO, which is known for fair fuel prices. There are drawbacks, including a 1-2% per-transaction service fee that other providers waive. We also know that ARCO offers rebates on fuel purchases, but the company doesn't clearly specify how much you can earn back.

ARCO Business Solutions Mastercard

This universal fleet gas card comes with much the same benefits as ARCO's business solutions card, but can be used at any fuel station that accepts Mastercard, as well as ARCO's 1,500 stations. That said, purchases made at stations that aren't ARCO will be subject to an out-of-network fee. This card can also be used to pay for maintenance services, where the Business Solutions Fuel Card can't.

ARCO's Gas Station Coverage

ARCO has over 1,500 stations in the US, which are mostly concentrated across the West Coast. If you’re a local business with several ARCO stations nearby, the Business Solutions Fuel Card is worth a look.

Want to find the fuel card that fits your budget – fast? We can help you compare ARCO with other leading suppliers super quickly – just tell us about your needs, and you’ll receive quotes, tailored to you, from a range of fleet card companies. Easy peasy!

Compare personalized quotes from the best fleet card providers for your business. Just answer a few questions – it only takes a minute

Comdata Fleet Gas Cards: Best Mobile App for Fleet Drivers

Comdata Logo
Comdata Fuel Cards
Quick overview

Aimed specifically at fleets of trucks, Comdata's fuel cards come with plenty of benefits. Our favorite thing about them, though, is the FleetAdvance app for drivers, which can help them find the nearest station with the cheapest diesel and gas prices, and monitor the funds on their Comdata Cards. You can also use the app to view your team's transactions, and create reports on how your employees could be saving money on their fuel purcchases.


FleetAdvance mobile app enables instant card top-up

Access time-saving benefits for trucks, including CAT Scale and mobile fueling

Get 65% off new tires and retreads at thousands of maintenance sites across the US


$5 per card, per month is a little expensive compared to other providers

Comdata's Fleet Cards

Comdata CardComdata OnRoad CardComdata Mastercard
Station coverage

8,000+ stations across the US

Any station that accepts Mastercard

SavingsFuel discounts at Pilot Flying J, plus up to 65% off tires and retreads at 3,000+ locationsUnspecified
Monthly fees

$5 per card

Fee information accurate as of January 2023

Comdata Card

Aimed at fleets of fewer than 50 vehicles, the Comdata Card gives you get access to real-time reporting tools and an online portal for account management. Fleet managers can also set smart spending limits that maximize savings and help you stay compliant with fuel policy.

Comdata promises significant savings and 24/7 account and driver support. There’s also Comdata’s app, FleetAdvance Mobile, which is designed with drivers in mind. Drivers can connect via the Comdata Card to find the lowest fuel prices and manage their spending. Ultimately, Comdata supplies solid, all-around trucking company gas cards.

Comdata OnRoad Card

The interesting thing about Comdata's OnRoad Card is this: your employees will be able to use it to pay for fuel and vehicle maintenance and repairs, but also to access disbursements, such as pay, settlements, and reimbursements. This means that you can manage fleet spending and driver funding from a single hub, and your employees will be able to use the card to pay for personal things like hotel rooms or concert tickets – without your company being billed.

Comdata Mastercard

The Comdata Mastercard comes with much the same benefits as the Comdata Card – except for the fact that it can be used to pay for fuel and maintenance at over 400,000 locations (anywhere that accepts Mastercard). We're also unsure about the rebates and savings you can access with this card, as Comdata doesn't specify them clearly.

It’s certainly a strong option – but is Comdata the right fleet card provider for you? We can help you find out! Just enter some fleet details into our short online form, and we’ll match you with the fleet card companies that can best cater to your needs. They’ll then be in touch with tailored deals. Our service is fast, free and easy – why not give it a try?

Did You Know?

A very useful feature that has developed in the fuel card industry is cardholder verification methods. This can be used to evaluate whether the person presenting the payment instrument is the legitimate owner of the instrument. Fuel cards are therefore becoming increasingly safe against fraud.

Compare personalized quotes from the best fleet card providers for your business. Just answer a few questions – it only takes a minute

Chevron Texaco: Best app for fleet managers

Chevron Texaco's Fleet Card

Chevron Texaco Business CardChevron Texaco Business Access Card
Station coverage8,000 Chevron and Texaco fuel stations95% of US fuel stations
SavingsUnspecifiedUp to 6 cents per gallon at Chevron and Texaco stations
Monthly feesNoneUnspecified

Chevron Texaco Business Card

Chevron Texaco says this is a card for “businesses that keep it local and loyal”. It can be used at any of the country's 8,000 Chevron and Texaco fuel stations, which can mostly be found across the Northwest, Southwest, and Southeast. That's not the best coverage nationwide, but if your fleet operates within range of these stations, that won't be a problem for you.

Using Chevron and Texaco's online fleet cards portal, you can curb unnecessary spending with customizable purchase controls, monitor spending in real-time with automatic tracking, generate reports on day-by-day, month-by-month, or year-by-year spending, and take advantage of paperless, automatic accounting.

To top that all off, Chevron Texaco's Business card doesn't charge any setup or monthly fees – the only additional sum you’re at risk of paying with this card is a late fee (minimum $75).

Chevron Texaco Business Access Card

Chevron Texaco’s Business Access Card does everything the Business Card does. However, there are two additional benefits that set it apart. Firstly, it offers far better coverage, accepted at 95% of the country's fuel stations, making it a better fit for larger interstate fleets (though it's worth being aware that you'll be charged a $2 out-of-network fee for each transaction that isn't made in a Chevron or Texaco station).

Secondly, this card offers fuel rebates – starting at 1 cent per gallon when you buy 500 to 2,000 gallons, and capping at 6 cents per gallon when you buy 10,000 gallons or more. It's worth being aware, though, that these rebates only apply when you fuel up at a Chevron or Texaco station – so savings are limited to those 8,000 locations.

Compare personalized quotes from the best fleet card providers for your business. Just answer a few questions – it only takes a minute

RTS Financial: Best for Trucking Fleets

RTS Logo
RTS Financial Fuel Cards
Quick overview

RTS Financial's high savings and discounts on diesel make it a fantastic option for cost-savvy trucking fleets – but be wary that it may not offer coverage in your area. Its free app for truckers also helps truckers to save money, with the ability to help your drivers plan more efficient routes and sniff out the lowest diesel prices nearby, while checking out parking and dining information for local truck stops. However, if you're looking for more generous coverage of gas station locations across the country, we'd recommend looking at Wex.


Offers fantastic savings on diesel

RTS' free mobile app for fleet managers provides some excellent cost-cutting tools

Offers discounts at Pilot Flying J and Speedway locations nationwide


Doesn't offer the ability to block cards or receive transaction alerts

Coverage of over 2,000 stations is pretty limited

RTS Financial's Fleet Card

RTS Fuel Card
Station coverage2,000+ US fuel stations
SavingsAverage of 25 cents per gallon, plus point-of-sale fuel discounts at 1,000+ Pilot Flying J and Speedway locations
Monthly feesUnspecified

RTS Fuel Card

RTS Financial's single gas card program – the RTS Fuel Card – has been designed specifically for truckers and trucking fleets, with major discounts on diesel, and the ability to integrate with ProTransport fleet management software for trucks (which provides real-time GPS tracking, ETA alerts, and geofencing).

We're also fans of RTS Pro – RTS’ free mobile and web app, which enables users to plan routes, find the lowest per-gallon diesel prices across the RTS Carrier Services Fuel Network, and check out parking, dining, and other services information at fuel stops nationwide. You can also use it to upload images and documents from a mobile device to your online RTS Financial factoring account, with RTS’ invoice manager.

Compare personalized quotes from the best fleet card providers for your business. Just answer a few questions – it only takes a minute

Fuelman Fleet Fuel Cards: Best Fuel Rebates

Fuelman Logo
Fuelman Fleet Cards
Quick overview

If you're eager to earn cents back for every gallon of fuel that your team buys, you should know that Fuelman's Saver Cards offer the most generous fuel rebates on this list. The company's Clean Advantage Card should also get honorable mention, as it's the only fleet card we've come across that has a dedication to helping you offset your fleet's carbon emissions.


Choose how much to pay for your cards, with a choice of packages

Unique carbon emissions offsetting option

Generous fuel rebates on the Saver programs


Location accuracy for gas stations is spotty on the mobile app

Limited coverage for customers in the Northeast

Card fees are more expensive than most other providers' (especially with the more advanced packages)

Fuelman's Fleet Cards

The Simple Saver CardThe Deep Saver CardFuelman Mastercard
Station coverage50,000 fuel stations, plus 20,000 maintenance locationsAny station that accepts Mastercard
SavingsUp to 10 cents per gallonUp to 8 cents per gallonUp to 6 cents per gallon
Monthly fees$4 to $12 per card

Fee information accurate as of January 2023

Fuelman Saver Cards

Fuelman's Saver fleet cards – which Fuelman recommends to fleets of all kinds and sizes – come in two varieties: the Simple Saver Fleet Card, and the Deep Saver Fleet Card. The Simple Saver Card will earn you rebates of 10 cents per gallon at select gas station brands, and 2 cents per gallon at other Fuelman locations. Meanwhile, the Deep Saver Card will get you rebates of 8 cents per gallon of diesel and 5 cents per gallon of unleaded at 40,000 locations in Fuelman's Discount Network.

How much you pay for your Fuelman Saver cards will depend on the service package you choose:

PackageMonthly feeWhat you'll get:
Regular$4 per cardDetailed fuel spend reporting, vehicle maintenance tracking, 24/7 roadside assistance, 24/7 customer support
Plus$8 per cardThe above, plus customizable reporting dashboards, fraud loss coverage of up to $25,000 per year, and more
Premium$12 per cardThe above, plus 20% savings on maintenance, full performance analytics, trend reporting and alerts, and more

Fuelman Mastercard

The major benefit of the Fuelman Mastercard is that it can be used at any gas station where Mastercard payments are accepted – which is pretty much all of them! With this card, you'll get rebates for each gallon of fuel your team buys. The rebates get bigger the more fuel you buy, up to a top limit of 6 cents per gallon.

As with the Saver cards, you'll pay either $4, $8, or $12 per card, per month depending on the service package you choose.

Fuelman Clean Advantage

On this unique, environmentally-focused fleet card program, Fuelman will calculate your fleet's carbon emissions each month, based on the type of fuel and number of gallons your team has bought. The company will then invest the appropriate amount in certified carbon reduction projects in order to offset your fleet's carbon emissions. In 2022, we can't overstate the value of being able to tell your customers and clients that you're part of such a program.

To pay for this card program, Fuelman will charge you 5 cents for every gallon of fuel your business buys.

Fuelman's Gas Station Coverage

Finding a Fuelman location is easy, given the company’s extensive affiliate network. However, there are notable coverage gaps in southern Minnesota, central Massachusetts, and parts of New Mexico and Montana. You can find filling stations and amenities via the Fuelman Site Locator, or through the company’s free Android/iOS app.

If these gaps are going to cause a problem for you, you’ll be better off looking into another card program. Fortunately, we’re here to take the hassle out of finding the fleet card that’s just right for you! If you fill in our form to request quotes, we’ll match you with suppliers that can meet your needs, and they’ll be able to provide tailored quotes.

Is It Worth Getting a Fuel Card?

It's hard not to be keenly aware of the fact that fuel prices are in a massive state of flux right now. Due to a variety of factors, the largest of which is good ol' corporate greed, gas prices are at a substantial high. This means that gas-heavy businesses have a lot to gain from every penny they can save.

While there are loads of fuel cards on the market, we've done extensive research and market studies to find out both the cost and savings associated with each provider.

You can generally expect savings of up to 15% when you switch to a dedicated fuel card. To understand just how much you can save with a fleet card, see the table below.

Cost Savings for a Small Fleet
Fleet Size35 vehicles
Volume per Fill16 gallons
Refueling Stops2 per week
Fuel Card Saving Per Gallon2.5 cents
Weekly Savings$17.43
Yearly Savings$906.85

Note: The figures presented in this table are estimates. For an accurate quote, we recommend you compare free bespoke quotes from leading fleet card suppliers.

What's the Difference Between Fuel Cards and Credit Cards?

A fuel card might sound a lot like a credit card in certain ways, and they're definitely very similar. Here are a couple of their main (rough) similarities:

  • Fuel credit cards allow you to pay with credit at the pump, and can give you cash back on purchases your drivers make. Some also offer cash back on travel expenses like car rentals, airlines, and hotels.
  • Fuel credit cards can also improve your credit rating. So, if you pay your fleet’s balance on time every month, you can boost your eligibility for all kinds of small business loans. On the other hand, if you carry a balance beyond the repayment date, you’ll be hit with eye-watering APRs.
  • They look similar! Both will be plastic cards that can fit in a wallet.

All that said, there are some pretty big differences that mean they’re considered an alternative payment method.

The main differences between fleet fuel cards and credit cards are:

  • Fuel cards have shorter payment terms
  • No rolling balance is cleared (or partially cleared) each month
  • Fuel isn’t paid at the point of sale – the bill is sent to your account to be paid at a later date
  • Controls can be set up to allow only certain grades of fuel to be bought (e.g. petrol, petrol & gas, etc.)
  • Fuel spending limits can be applied using Smartchip technology
  • Liability for fraudulent purchases lies with the driver
  • Card terminals are separate to those for credit cards (bunkered cards only)
  • Some fleet card providers let you buy non-fuel products, including lubricants and Adblue

Our methodology

How we analyse and rate the industry’s best fuel cards for UK businesses

At Expert Market, it’s our aim to provide you with the most accurate, up-to-date, and transparent product and service reviews possible. So, to help you better understand the best merchant account options out there, we’ve conducted in-depth, extensive research into the fuel card industry and its top companies.

Here’s how we did it:

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We worked with two independent researchers over 60+ hours to rate eight different merchant services providers.

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We rated each provider across four key metrics.

  • Help and support: we assessed the level of customer support (such as email, phone, or live chat), as well as its availability (24/7, or weekdays only?), to provide a weighted score for each supplier.
  • Affordability: our affordability algorithm took into account the specific  monthly fees for fuel cards, as well as any one-off costs. Our analysis also included contract length, package type, and the flexibility of each providers’ pricing structure.
  • Features: we assessed each supplier on up to eight specific features. We then weighted these scores, and translated them into a point value system. This allowed us to form accurate ratings for each provider, and make specific recommendations to you.
  • Customer approval: we assigned each provider a ‘customer score’, which involved seeking opinions from within the community, as well as feeding data aggregated from online sources into a unique algorithm. This allowed us to calculate overall customer approval scores for each supplier, in real time.

Next Steps

Most fuel card companies offer a range of fuel cards, which they recommend to different businesses based on the size of the fleet, the type of fuel the fleet uses, and geographical area it operates in. Essentially, different fleet gas cards are best for different fleets, which means it’s always best to compare fleet card programs before you commit to one.

Finding a fleet card for the right price can be a time consuming process, but our free quote-matching service does all the hard work for you. Simply tell us a little about your business by answering a handful of questions (it only takes a minute), and we'll match you up with the fleet card companies that offer the best card programs for your needs. They'll then be in touch, with personalized deals and answers to your questions. It's the quickest, easiest way to zero in on the best options for your fleet.

Frequently asked questions

How Do Fleet Fuel Cards Work?
Fuel cards, or fleet cards, are payment cards that fleet drivers can use to buy gasoline, diesel, and other fuels at gas stations. If the fleet manager enables it, they can also be used to pay for maintenance services and other expenses. Many fuel card programs come with perks such as rebates on fuel costs, online spend tracking and controls, and loyalty rewards.

The majority of fleet fuel cards work like credit cards – your drivers use them throughout the month, and at the end of each month (or whatever billing period you've agreed on with your provider), you pay off the amount they've spent to your fuel card provider. If that doesn't suit you, it's also possible to get prepaid fuel cards, which work more like gift certificates – you load them up with a set amount of money, and that's the amount your drivers will have to spend until you load them up again.

What is the Easiest Fuel Card to Get?
Traditional credit-based fuel cards are generally easier to get approved for than prepaid fuel cards, so if ease is a priority for you, you'll want to look into the former. Your credit rating will have an impact on how easy you find it to join one of these fuel card programs, but don't be dismayed if your credit rating is poor – fleet cards for those with bad credit are available.
What is the Best Fleet Fuel Card?
In this article, we list the best fleet fuel cards on the market in 2022, from the best fuel card providers the US has to offer. Those providers are:

  • WEX
  • Fuelman
  • ExxonMobil
  • BP
  • Shell
  • ARCO
  • Comdata
  • RTS Financial
  • Chevron Texaco

Scroll up to our reviews to learn more about the excellent fleet fuel cards these providers have to offer.

Which Type of Fuel Card is Best: Branded or Universal?
Some fuel companies issue their own fleet cards, called branded cards. Other fuel companies partner with payment card companies like VISA and Mastercard to offer extra fuel card services. These universal fleet cards give your fleet wider coverage than a lot of fuel cards for companies based in specific regions.

In short, consider opting for a universal fuel card if:

  • You have a large fleet that operates across a wider area than any single fuel company covers
  • You want drivers to be able to make non-fuel related purchases anywhere that accepts VISA or Mastercard
  • You want the option to earn rewards and the flexibility to shop around for fuel

Likewise, think about going for a branded fuel card if:

  • You have a small or mid-sized fleet that operates at a local or interstate level
  • You’re happy to rely on a single company for the bulk of your fueling needs
  • You plan to utilize their rewards schemes and fuel rebates to save money

All five of our favorite fuel card companies offer brilliant branded and universal options.

Which fuel card saves the most money?
As far as savings go, RTS Financial offers an average discount of 25 cents per gallon. This is far higher than most of its competitors, but it pays to remember that RTS only offers around 2,000 sites across the country, so it won't suit everyone. Otherwise, most fuel cards have a pretty uniform average saving offering of between 6 and 8 cents per gallon.
Written by:
Julia Watts Content Manager

Specialising in the complex realms of telephone systems, business energy, vehicle tracking, asset tracking, and fuel cards, Julia writes content that cuts through the noise to help you find the right solutions and technologies for your business. Having spent five years working across the dynamic world of entrepreneurship, she loves helping exciting ventures – big or small – to flourish.