Best Fuel Cards for Truckers & Owner-Operators

According to our in-depth research, the best fuel card for truckers is the ExxonMobil FleetPro. Its discounts are tailored to diesel trucking fleets, while its vast network of gas stations allows truckers to save across the country. Plus, costing $2 per month per vehicle fee according to our latest available information, it is one of the cheapest fuel cards for truck drivers around.

Still, it might not suit every trucker, which is why we’ve included five other top-rated truck fuel card companies on this list, including the Shell Card Business Flex, which has a large network of stations, and Comdata Fleet Card, which has more transparent pricing and large rebate rates.

If you’re short on time, use our free comparison tool directly to receive tailored quotes for your trucking fleet, or continue reading for our in-depth guide to fuel cards for truckers.

Best Fuel Cards For Truckers: Quick Summary

After analyzing the best fuel card programs for truckers in 2025, we rated them on the factors that matter to truck-driving fleets. That includes fees, rebates, coverage, and truck management features for fleet managers.

Click the arrows to compare each fuel card for truckers:

1. ExxonMobil FleetPro Card – Best for Predictable Diesel Costs

The ExxonMobil FleetPro card is a solid choice for fleets that rely on diesel and want stable, predictable fuel costs. It’s not big on data visuals or pump discounts, but its fixed-rate structure makes budgeting easier, especially for long-haul truckers refuelling at consistent locations.

Key features

• Fixed-rate diesel pricing aligned with ExxonMobil’s weekly tariff, not pump prices, which is great for budgeting even when prices spike.
• Covers diesel and gasoline, with Synergy Diesel Efficient claimed to improve fuel economy by ~2%.
• Accepted at Exxon and Mobil stations, and works as a Mastercard for tolls, cleaning, lubricants, and maintenance, similar to Edenred’s card flexibility.
• Includes basic spend and MPG reports, but no data dashboards or fuel-type restrictions like you’d find with Comdata or Shell.
• Earns Exxon Mobil Rewards+ points with each purchase, though not as wide-reaching as Edenred’s perks.

Pricing and rebates

Custom pricing (previously $2/card/month and $40 setup) requires a quote based on your fleet size and fuel usage. If that previous public pricing is still accurate, it’s lower than any other card on our list, apart from RTS.

Unlike Shell, Comdata, and Edenred, FleetPro does not offer per-gallon rebates. Instead, it uses a fixed-tariff pricing model, where the fuel price is tied to an ExxonMobil rate, not the pump.

This means you won’t save more when fuel prices drop, but you’ll also avoid surcharges during spikes. If you want cash-back style savings instead, Comdata and Edenred may offer better value.

You’ll always pay the tariff price, which could be higher or lower than what’s posted at the station, but the consistency helps with forecasting fuel spend.

What truckers should know

• Accepted at Exxon and Mobil stations only, so less useful if your routes avoid these networks.
• Station locator available, but no pump price info (unlike Edenred).
• No pump payments, meaning drivers must pay in-store (Shell and Comdata both allow pay-at-pump).
• No fuel-type restrictions or carbon tracking, which green fleets may find limiting.
• You can set spending limits and block cards remotely, but no real-time fraud alerts (Edenred leads here).

Is FleetPro right for your fleet?

Choose FleetPro if:

• You want stable, predictable diesel costs without pump price volatility
• Your fleet regularly uses Exxon or Mobil stations
• You need one card to cover both fuel and vehicle-related purchases
• You can manage without pay-at-pump access or fuel comparison tools

Consider other options if:

• You want per-gallon rebates (check Shell or Comdata)
• You value in-depth dashboards, fuel-type controls, or fraud alerts (try Edenred)
• You run a green fleet or prioritize emissions tracking

2. Shell Card Business Flex – Best for Truck Network Coverage

If wide acceptance and route flexibility are your top priorities, the Shell Card Business Flex delivers.

Accepted at 95% of US fuel stations, it allows drivers to refuel almost anywhere, including truck stops. It also offers pay-at-pump convenience, custom geofencing, and interactive dashboards to help track fuel efficiency and control costs. While the perks are limited outside fuel spend, its coverage alone makes it ideal for long-haul fleets with varied routes.

Key features

• Accepted at 95% of fuel stations nationwide, including Shell, truck stops, and major independents.
• Pay-at-pump support helps drivers save time, which is a big plus over ExxonMobil FleetPro.
• Interactive dashboards make it easier to monitor spend, MPG, and usage patterns.
• Fuel network geofencing lets you limit purchases to preferred stations.
• Limited extras: No loyalty points, toll/maintenance spend, or hotel/food discounts, unlike ExxonMobil or RTS.

Pricing and rebates

Shell no longer publishes pricing, so you’ll need to request a quote based on your fleet size and usage.

Previously, it cost $2/card/month with a $40 setup fee. However, a $1.25 transaction fee at truck stops made it one of the pricier options for frequent haulers.) Late payment also got you in trouble to the tune of $75 or 6.99% (whichever is greater)

Shell offers volume-based rebates of 1¢ to 5¢ per gallon at Shell stations, depending on how much you fuel up monthly. This benefits high-usage fleets, though deeper savings may be found with Comdata or RTS which offer broader discounts and live fuel price comparisons.

There’s no fixed-tariff option, so fuel prices can vary, unlike ExxonMobil FleetPro, which guarantees a set rate.

What truckers should know

• No price comparison tool, so drivers can’t check pump prices in advance (Comdata and RTS both offer this). Though they can find stations using the WEX Driver Dash app or its Shell Station Finder (pictured below),
• Can’t be used for non-fuel purchases. That means no tolls, lubricants, or cleaning charges allowed (unlike Edenred or FleetPro).
• No rewards or perks beyond a 20% discount at Jiffy Lube.
• Security features include driver ID, spending limits, and fuel-type restrictions, but:
  • No PIN at point of sale
  • No fraud alerts or transaction notifications (Edenred Essentials is much stronger here)

Is Shell Card Business Flex right for your fleet?

Choose it if:

• You want maximum network coverage, especially if your drivers take new or long-haul routes
• You value pay-at-pump speed and real-time fuel tracking
• You already fuel primarily at Shell and can benefit from volume-based rebates
• You’re OK managing limited non-fuel expenses elsewhere

Look elsewhere if:

• You want fixed-rate pricing or no transaction fees (see ExxonMobil FleetPro)
• You need to pay for tolls, repairs, or non-fuel services (try Edenred or RTS)
• You rely on fuel price comparison tools to find the cheapest stop (Comdata or RTS are better)
• You require stronger fraud protection or real-time alerts (Edenred leads here)

3. Comdata Fleet Card – Best for Finding the Cheapest Fuel

If cutting fuel costs is your top priority, the Comdata Fleet Card stands out. With real-time fuel price data, rebates as high as 25¢ per gallon, and powerful mobile apps to guide driver decisions, it’s built to help fleets save at the pump, especially over long distances and shifting routes.

While it comes with higher fees than most cards, the savings potential and smart tools make it a strong pick for cost-conscious operators.

Key features

• Fuel rebates of 7¢ to 25¢ per gallon, depending on location and volume, which is the highest potential savings of any card we researched.
• FleetAdvance app ranks nearby stations by price, helping drivers make smarter fueling choices. The likes of Shell and ExxonMobil don’t offer this.
• Driven for Comdata app adds real-time station data, filters by services (e.g. truck wash, tire repair), and shows branded stops.
• Includes interactive spend dashboards, though it lacks MPG and emissions tracking.
• Supports pay-at-pump via RFID tags at 100s of US locations, a rare time-saver.

Pricing and rebates

Comdata’s monthly fee is $8/card, with a $50 one-off setup charge, higher than Shell or ExxonMobil’s typical $2/month rates.

However, since Comdata’s rebates are 5x to 25x higher than Shell’s, they offer serious value for high-usage fleets.

There are no pump surcharges either, even at truck stops, which helps offset the higher monthly fee. Shell, for instance, charges $1.25 per truck stop transaction.

Watch out for late payment penalties, however, which are steep: $150 or 13.99%, whichever is greater.

What truckers should know

• Fuel price visibility is Comdata’s biggest strength, as no other card on our list shows live station-level pricing like this.
• We found the app could take ~15 seconds to refresh prices when location changes, but filters and map features make it practical on the road.
• Includes CAT Scale integration and mobile fueling options, adding serious convenience without rerouting.
• Supports tolls, repairs, cleaning, lubricants, and other expenses, unlike Shell’s fuel-only focus.
• Offers discounts on tires (65%) and hotels, but no loyalty points or food rewards.

You can read all the terms and conditions of this card yourself, which despite being dated to 2023 is linked by Comdata on its website suggesting these are the latest terms, applicable for fleet card purchases in 2025.

Is Comdata right for your fleet?

Choose Comdata if:

• You want to actively reduce fuel costs with real-time price comparison tools
• Your fleet drives long or variable routes and needs flexible, location-aware fueling
• You want a card that covers non-fuel costs like tolls and maintenance
• You need RFID pay-at-pump, mobile fueling, or CAT Scale access

Consider other options if:

• You want lower card fees (ExxonMobil and Shell charge less than half)
• You require MPG tracking or emissions reporting (not supported here)
• You’re seeking a loyalty programme or broader perks (look to RTS or ExxonMobil)
• You manage more than 10 cards and need full-scale fraud protection (Comdata’s protection only covers the first 10)

4. Edenred Essentials Card – Best for Secure, All-Fuel Access (Including EVs)

If security, station coverage, and EV-readiness matter to your fleet, Edenred Essentials is a top contender.

It works at any Visa-accepting fuel station,  covering diesel, petrol, and electric vehicle charging, and offers market-leading security features including PIN codes, fraud alerts, and EMV chip cards. While rebates are lower than with Comdata or RTS, Edenred makes up for it with flexible spend controls, EV support, and no setup fees.

Key features

• Accepted anywhere Visa is, including remote or rural stations.
• Supports gasoline, diesel, and EV charging – rare among fleet cards.
• Two plans: Fuel Only or Fuel & More (adds tolls, parking, maintenance).
• Interactive dashboards with MPG tracking.
• Secure PIN access, EMV chip, fraud alerts, fuel-type controls, and remote block features.

Pricing and rebates

Edenred charges $3 per card/month, which is mid-range for fleet cards. It’s cheaper than Comdata, but slightly higher than Shell and ExxonMobil.

Fuel savings come via volume-based rebates from 1¢ to 4¢ per gallon. That’s lower than Comdata’s 7¢ to 25¢ or RTS’s deep discounts, by comparison.

Other fees:

• $50 late payment fee
• $50 bounced check fee
• $10 per paper invoice
• 3% foreign transaction fee
• No setup fee, and payment schedules can be weekly, semi-monthly, or monthly, which is more flexible than other cards.

What truckers should know

• No station locator or price comparison tool, unlike Comdata.
• No pay-at-pump access, which can slow down refuels.
• 4¢/gal rebate bonus at Casey’s General Stores, which is handy for Midwest fleets where they are located primarily.
• No loyalty programme or perks for food, hotels, or accessories.
• Can be used for non-fuel expenses like tolls, lubricants, repairs, cleaning.
• Unique EV compatibility makes this ideal for hybrid fleets or those planning for electrification.

Is Edenred Essentials right for your fleet?

Choose Edenred Essentials if:

• You want best-in-class security and full Visa acceptance
• You manage mixed fuel or EV-enabled fleets
• You need to cover tolls, parking, or maintenance from the same card
• You want a no-setup-fee option with flexible billing

Consider other options if:

• You need real-time price comparison (Comdata wins here)
• You want higher per-gallon fuel savings (RTS or Comdata are stronger)
• You prefer pay-at-pump convenience (FleetPro and Comdata offer it)
• You want rewards or loyalty perks (ExxonMobil and RTS are better suited)

5. BP Business Solutions Mastercard Best for High-Volume Fleets That Use BP Stations

If your fleet regularly purchases over 5,000 gallons of fuel per month and primarily fills up at BP or Amoco stations, the BP Business Solutions Mastercard could offer solid value.

It waives the $12 monthly fee when you pass that volume threshold and provides rebates of up to 7¢ per gallon in the first year. However, the savings apply mostly to gasoline, and diesel rebates are lower than competitors like ExxonMobil or Comdata.

Key features

• Accepted at any station that takes Mastercard, though out-of-network fees apply at non-BP/Amoco locations (up to $2 per transaction).
• Rebates scale by fuel volume, with up to 7¢/gal for 10,000+ gallons — but only during the first 12 months.
• Only 3.5¢/gal rebate on diesel, making it a weaker option for diesel-heavy fleets.
• Includes transaction reports, per-mile cost tracking, purchase controls, and expense visibility per driver.
• Can be used for scheduled payments and expense management via BP’s fleet portal.

Pricing and rebates

The BP card has a $12/month account fee, but this is waived if you purchase 5,000+ gallons monthly. If you’re running a high-mileage or multi-vehicle fleet, this is easy to meet, otherwise, the fee makes it one of the pricier options.

There’s no setup fee listed in the latest documentation, previously it was $50.

Fuel rebates:

• 3¢/gal (300 to 2,999 gallons/month)
• 4¢/gal (3,000 to 4,999)
• 5¢/gal (5,000 to 9,999)
• 7¢/gal (10,000+)

Rebate terms may change after the first 12 months. Diesel rebates are capped at 3.5¢, which is lower than what Comdata or ExxonMobil offer.

Late fee: $75 or 12.25% of your balance, whichever is greater.

What truckers should know

• Card works anywhere Mastercard is accepted, but out-of-network fees can undercut savings if drivers fuel up outside the BP network.
• A station finder is available, which is useful to avoid per-transaction surcharges.
• No mobile app or real-time price comparison tool, unlike Comdata.
• Doesn’t support EV charging, and diesel savings are limited. FleetPro is stronger here.
• Strong driver ID features and remote card deactivation, but no PIN requirement or clearly defined fraud protection policy.

Is BP Business Solutions right for your fleet?

Choose this card if:

• Your fleet routinely purchases over 5,000 gallons/month
• You primarily fuel at BP or Amoco stations and want to avoid monthly fees
• You want basic expense tracking and scheduled payment options
• You run a gasoline-heavy fleet that can benefit from the first-year rebates

Consider other options if:

• You operate a diesel-based fleet (ExxonMobil offers stronger diesel savings)
• You need live fuel price comparisons (Comdata has the best tools)
• You want broader non-fuel coverage or EV support (Edenred Essentials is more flexible)
• You prefer fixed-rate pricing or pump consistency (see FleetPro)

6. RTS Fleet One – Best Fuel Discounts for Small Truck Fleets

If you’re running a small trucking business or driving long hauls as an owner-operator, RTS Fleet One offers some of the highest diesel fuel rebates available, up to 25¢ per gallon.

There are no monthly or setup fees, and the card also unlocks savings on truck maintenance and tires. The trade-off? RTS’s fuel network is small (just 2,400 stations), so it’s best suited to drivers who can plan routes around participating stops.

Key features

• Up to 25¢/gal in fuel rebates, significantly higher than Edenred (4¢), Shell (5¢), or FleetPro (fixed rate).
• Works at a network of ~2,400 stations, so fewer options than Comdata or Shell.
• RTS Pro app lets drivers view diesel prices, truck stop info, parking, and credit data.
• Line of credit of up to $3,200 per truck, per week, helpful for managing cash flow.
• Includes discounts on tires, maintenance, and fuel tax software, which is a major plus for smaller operations.

Pricing and rebates

There are no monthly, annual, or setup fees with RTS Fleet One, making it the only card in our list with $0 baseline cost. By contrast, Shell and ExxonMobil charge $2/month, Comdata $8/month.

You’ll also avoid surcharge fees at participating stations, although a $0.50 transaction fee may apply.

Rebates can reach:

• Up to 25¢ per gallon, depending on location and fuel volume
• Additional savings at Pilot Flying J and Boss Shop locations

All this makes RTS the most cost-effective card per gallon, but only if you stick to its network.

What truckers should know

• Small station network (~2,400) vs Shell’s 185,000 or Comdata’s broader access.
• No pay-at-pump option, and stations aren’t shown along your route, so you’ll need to manually search in the RTS Pro app.
• Doesn’t include MPG or emissions tracking, unlike Edenred or Shell.
• No PIN or fraud alerts publicly listed as security features aren’t transparent.
• Useful factoring account integration helps you store invoices and manage cash flow digitally.

RTS works best when routes can be planned around partner stops, but its less useful for fleets with unpredictable fueling patterns.

Is RTS Fleet One right for your fleet?

Choose RTS if:

• You’re a small fleet or independent trucker focused on saving per gallon
• You’re willing to plan your routes around a smaller network
• You want no monthly fees, factoring tools, and strong credit lines
• You value extra discounts on tires, tax software, and preventative maintenance

Consider other options if:

• You need wider fueling flexibility (try Shell or Edenred)
• You want MPG tracking, fuel comparisons along routes, or stronger security (see Comdata or Edenred)
• You prefer pay-at-pump convenience or a rewards program (FleetPro is better suited)

What are the Advantages and Disadvantages of Truckers Using a Fuel Card?

As a trucking fleet owner-operator looking to drive extra savings at the gas pump, you may be considering what advantages and disadvantages fuel cards have over other methods like credit cards or cash. Let’s take a look.

Advantages of Truckers Using a Fuel Card

• Diesel discounts
  • Fuel cards usually offer significant discounts on diesel purchases, between 3-25 cents per gallon on average which racks up significant savings over time. Credit cards rarely offer fuel-specific discounts.
  • Since trucks consume significantly more fuel than regular vehicles, fuel cards often offer volume-based discounts or rebates, which can lead to substantial savings for trucking fleets that often cover long distances. Regular fleets, by comparison, don’t see as much of a benefit since fuel consumption tends to be lower.

• Simplified transactions and accounting for truck fleet managers
  • Fuel card transactions are often simpler – just swipe and go. That’s a major time-saver for truckers who are often on strict delivery deadlines. Also, some fuel card providers offer accounting features and end-of-month invoicing, which takes the sting out of time-consuming bookkeeping.
• Better spend management for long-haul trucking
  • With fuel cards, fleet managers can set detailed spending limits and restrictions on where, when, and how much fuel truckers buy. This prevents fraudulent transactions and overspending, essential for long-haul trucking which could rack up big purchases on typically extended trips.
• Driver convenience and safety for truckers
  • Truckers benefit from not needing to carry large amounts of cash on the road, nor purchase gas on their own accounts and claim the money back. This simplifies accounting and it’s safer for your truck drivers when they’re on the road. Especially when traveling through remote or high-risk areas.
• Extra rewards tailored for truckers
  • Some fuel cards offer rewards specifically for truck drivers, such as discounts on truck maintenance services, tires, and free parking at truck stops. This allows truck drivers to save on these essential services during long trips. You’ll also get bonuses relevant to all fleets, such as cash back. Rewards are also common with credit cards but perhaps not fleet-specific.
  • You may be able to use third-party discount schemes to score extra savings. For instance, signing up with GasBuddy allows you to find the cheapest gas prices in your area. Meanwhile, Upside allows you to earn cashback on your debit, credit, or fleet card purchases at a variety of locations.

Disadvantages of Truckers Using a Fuel Card

There aren’t many downsides to using a fuel card over a regular credit card, but some might pop up depending on what fuel card you choose.

• Limited network coverage for trucking routes
  • Not all cards are universally accepted. Your truck drivers may not be able to fill up at the closest station, instead having to drive further than necessary. And that’s especially a problem if a driver is in a remote area. Luckily, some fuel cards have close to universal acceptance rates. For example, the ExxonMobil FleetPro card can be used at any station that accepts Mastercard, which covers most of the U.S.

• Monthly bills and fees for trucking fleets
  • Most fuel cards aren’t free to use, unlike cash. You’ll typically have to pay monthly or yearly use fees, transactions, and in some cases service fees or top-up fees, if a driver’s card runs out. For trucking fleets with multiple drivers, these costs can add up over time. It’s important to balance these costs against the savings and benefits provided by the card to ensure it’s cost-effective for the fleet.

Interested in more solutions for truckers? See our picks for the best truck driver dashcams.

How to Choose the Best Fuel Card for Truckers

Here’s how to choose the best fuel card for truck-driving fleets:

• Costs: on average, fuel card costs $2-$10 per month, per card. Cheaper options will suit small trucking fleets best, while more expensive options might suit large truck-centered fleets since they tend to come with better discounts and rewards.
• Discounts and rewards: The main advantage of using a fuel card is for discounts at the pump. Typically, the more fuel you consume per month, the greater the discount will be. But if you don’t consume a lot of fuel, don’t worry, some fuel cards offer extra rewards such as discounts for servicing and maintenance, or cashback. You should select the fuel card whose rewards will most benefit your fleet.
• Spending management features: Another key advantage of fleet cards is that they allow you to track your truckers’ spending. If you have a medium to large fleet, you might benefit from advanced features like fraud detection. If your drivers conduct long-haul trips, choosing a fuel card that can also be used at hotels or for purchasing food at gas stations could help you manage spending.
• Network coverage: Not to be overlooked, network coverage is extremely important when choosing a fuel card. If your fleet operates nationwide, you’ll need a fuel card with at least 95% coverage. If you’re local, you’ll do just fine with a card that has reduced coverage, as long as the gas stations it can be used at are plentiful where your fleet operates.

Our Methodology: How Did We Find the Best Fuel Cards for Truckers?