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:

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.

WEX Fleet Fuel Cards: Best Overall

WEX's Fleet Cards

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.

Shell Fleet Fuel Cards: Best for Small Fleets

Shell's Fleet Cards

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!

ExxonMobil Fleet Gas Cards: Best Customizable Fleet Card Program

ExxonMobil's Fleet Card

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.

BP Fleet Gas Cards: Best for Large Fleets

BP's Fleet Cards

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.

ARCO Fleet Gas Cards: Best for West Coast Fleets

ARCO's Fleet Cards

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!

Comdata Fleet Gas Cards: Best Mobile App for Fleet Drivers

Comdata's Fleet Cards

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?

Chevron Texaco: Best app for fleet managers

Chevron Texaco's Fleet Card

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.

RTS Financial: Best for Trucking Fleets

RTS Financial's Fleet Card

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.

Fuelman Fleet Fuel Cards: Best Fuel Rebates

Fuelman's Fleet Cards

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:

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.

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:

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

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.