Best Fuel Cards With No Credit Check: 2025 Comparison

If you own a new business or your personal credit is less than stellar, it can be difficult to get approved for a fuel card in the US.

The good news is that several fuel card companies now issue gas cards to businesses without requiring a credit check first. Prepaid fuel cards, debit cards, and secured credit cards are all excellent options that offer many of the same benefits as traditional fleet credit cards.

So you get the convenience and fleet management data you need without paying unnecessary fees, it’s important to pick the right card for your needs. In this guide, we’ll review the five best business fuel cards with no credit check available today.

Short on Time? Here Are the 5 Best Fuel Cards With No Credit Check

• AtoB Unlimited: Prepaid fuel card offering an average of $0.45 off per gallon of diesel and excellent spend management tools.
• DAT One Fuel Card: Free prepaid card with discounts up to $1.73 per gallon at in-network fuel stations.
• Roadflex Unlimited: Flexible prepaid fuel card with a huge gas station network and telematics integration. Average rebates of $0.43 per gallon at in-network stations.
• PEX Prepaid: General-purpose prepaid business card with digital receipt capture and flexible spend management. No rebates or discounts on fuel.
• Discover it Secured Credit Card: Secured credit card offering 2% cashback on gas and support for building your credit.

The 5 Best Business Fuel Cards With No Credit Check

Check out the table below for a quick side-by-side comparison of the best no-credit check business fuel cards. For a more detailed review, keep reading.

1. AtoB Unlimited

Application Process

AtoB Unlimited offers a streamlined application process that does not involve a credit check. Instead of assessing credit scores, AtoB evaluates your business’s revenue history to determine the appropriate card option.

Applicants are only required to provide their Employer Identification Number (EIN), a valid driver’s license, and proof of business revenue from the past three months. This approach allows for quick approval without impacting your credit score.

Pricing

The AtoB Unlimited card includes a flat setup fee of $35 per account, plus a monthly fee of $3 per card.

You can add AtoB Premium for an additional $3 per card per month to get integration with your fleet’s electronic logging device (ELD) software, as well as an app for drivers to help them find the cheapest in-network gas stations, and extra card security features.

Why We Like It

AtoB Unlimited offers an average of $0.45 off per gallon of truck diesel at more than 30,000 gas stations nationwide, including at stations like Kwik Trip, Sheetz, TA, Speedway, and more. Better still, those rebates can go up to $2.00 off per gallon on truck diesel.

Things aren’t as impressive for unleaded fuel savings, with an average of 5¢/gal on unleaded with the AtoB Discount Network. Still, that’s a competitive rate for regular gas purchases, even compared to the best fuel cards that do require a credit check.

The AtoB platform is also impressive. It gives you in-depth information about how much fuel your fleet is using, where drivers are buying gas, and the balances on each of your cards. You can set spending limits for each driver, decide whether to enable purchases on maintenance-related expenses, and get real-time notifications about suspicious transactions.

Comparison to Other No-Credit-Check Fuel Cards

Compared to other cards in this roundup, AtoB Unlimited stands out with extensive network coverage and robust spending control features.

2. DAT One Fuel Card

Application Process

The DAT One Fuel Card is a prepaid debit card that requires no credit check for approval. As a prepaid card, it operates similarly to a debit card, where funds are loaded in advance, and purchases are deducted directly from the available balance. This structure eliminates the need for credit assessments, making it accessible to businesses regardless of their credit history.

Pricing

No annual or transaction fees, making it a cost-effective option for new fleet businesses in particular.

Why We Like It

The DAT One Fuel Card offers discounts up to $1.73 per gallon at 1,500+ in-network stations, which is an appealingly large figure (even if for a somewhat small network). Even if you refuel out of network, the DAT One Fuel Card still works and still delivers a sizable discount. You’ll save an average of $0.51 per gallon of diesel at out-of-network fueling stations.

Long-haul fleets will get the most out of this card since you can use the included OTR Solutions mobile app to plan routes around in-network gas stations. Its app also allows users to load funds onto the DAT One Fuel Card easily and check their balance at any time.

The card is limited to making purchases at gas stations and doesn’t offer any spend management features, however. Still, you can easily integrate it with most fleet management platforms for monitoring your fuel expenses.

Comparison to Other No-Credit-Check Fuel Cards

We’d say that the DAT One provides substantial discounts and easy integration with fleet management platforms, ideal for long-haul truckers. Its network isn’t the largest, but given that you get out-of-network discounts, too, this isn’t the end of the world.

3. Roadflex Unlimited

Application Process

As a prepaid card, the Roadflex Unlimited employs a straightforward application process that does not require a personal credit check or personal guarantee. This means that businesses can apply and get approved without any impact on their personal credit scores. The application focuses on business information and does not delve into personal credit histories, making for a quick and painless approval process.

Pricing

Requires a $25 setup fee and $3 per card monthly. Advanced features like telematics integration are available for an extra cost; you must contact Roadflex for an exact quote.

Why We Like It

The RoadFlex Unlimited offers an average discount of $0.43 per gallon at over 150,000 stations nationwide. While this network is extremely large compared to the likes of the Dat One, it works at any gas station outside of its network nationwide, too, where it offers a discount of $0.03 per gallon.

Roadflex also provides strong spend management tools, including reporting to Experian, that can help your business build credit should that be an issue for your team right now. Its dashboard also lets you analyze fleet expenses, so it’s easy to spot opportunities to save gas and cut your costs.

You can also set spending controls, enabling gas purchases only or letting drivers use the card for parking, maintenance, and other fleet-related expenses. There’s also control for overall spending limits by driver, and the ability to require two-factor authentication before purchases to prevent fraudulent transactions.

Comparison to Other No-Credit-Check Fuel Cards

Roadflex Unlimited is an excellent choice for spend analysis and credit reporting, making it an excellent choice for fleets looking to manage expenses and build credit. Its huge in-station network should be appealing to teams traveling across the US and want the flexibility to top up anywhere but still get rewarded for it.

4. PEX Prepaid

Application Process

PEX Prepaid cards are not traditional credit cards; they are prepaid business cards that do not require a credit check. Since these are not credit-based products, applicants are not subjected to credit assessments. The application process involves providing business details, and approval is based on the information provided, without considering personal or business credit scores.

Pricing

Free account with up to 5 cards; $75/month for up to 20 cards or $200/month for up to 200 cards. You can also add further cards beyond this to any plan for an additional charge.

Why We Like It

Flexible spending with real-time reporting via the PEX mobile app. Employees can take photos of gas station receipts, eliminating the need for storing paper receipts after every fill-up. PEX also integrates with the most popular accounting software, making it easy to analyze your spending and manage business taxes.

It’s not a dedicated fuel card, but you can limit purchase categories if you only want your employees to purchase fuel. However, it also offers flexibility if your team needs to make other purchases like office supplies and meals.

Comparison to Other No-Credit-Check Fuel Cards

PEX offers broad spending flexibility beyond fuel purchases, making it versatile for varied business expenses. However, its key drawback is a lack of rebate rates or discounts on fuel, which won’t make this card appealing other than for spending control on a company card.

5. Discover it Secured Credit Card

Application Process

The Discover it Secured Credit Card does not require a credit score to apply. Instead, applicants provide personal and financial information, and approval is based on the details submitted. A refundable security deposit is required, which serves as the credit limit for the card. This card is designed to help individuals build or rebuild their credit history.

Pricing

No annual fee, but carries a high APR of 28.24% on carried balances.

Why We Like It

Offers 2% cashback on gas and 1% on other purchases. Better yet, Discover will double the cashback you’ve earned in your first year as a cardholder on your first card anniversary.

Comparison to Other No-Credit-Check Fuel Cards

There are a few important drawbacks to the Discover it card to keep in mind. First, Discover isn’t accepted everywhere. Most gas stations accept Discover, but your drivers might occasionally get turned away.

In addition, since this isn’t a dedicated fuel card, it doesn’t limit purchases to gas stations. You also can’t integrate it with your fleet’s telematics system or easily analyze your fuel expenses.

With that in mind, we’d say this card is best for businesses with low fuel expenses and looking to earn rewards on all purchases, especially those that only have a few trusted drivers and don’t need deep fleet management features either.

Why Opt for a No Credit Check Fuel Card?

The most common reason to consider a no credit check fuel card is if your business or personal credit isn’t great. In that case, you might have a hard time getting approved for a traditional fuel card. Regular fuel cards are a lot like business credit cards, and they almost always require a credit check.

However, that’s not the only instance in which it makes sense to choose a no credit check card. Credit checks can be invasive, and you may not want to share your personal information or sensitive financial information about your business.

Undergoing a credit check can also negatively impact your credit score, which isn’t beneficial if you’re hoping to take out a business loan or a loan for a new fleet vehicle soon.

Types of No Credit Check Fuel Cards

There are three main types of business fuel cards that don’t require a credit check.

Prepaid fuel cards

Prepaid fuel cards are the most common type of business fuel cards with no credit check. With this type of card, you load money onto your fuel card before your drivers use it to purchase gas. You can monitor your balance online and add funds to your card at any time.

Notably, prepaid fuel cards are often issued by the same fuel card companies that offer fuel credit cards. So, you can easily switch to a traditional fuel card after building up your credit.

Prepaid fuel cards work very well, but they can be challenging to use if your fleet uses a lot of gas or if your business has trouble with cash flow. You’ll need to be careful to keep your cards topped up or else your drivers could find themselves at a gas station with no way to pay for fuel.

Secured fuel cards

Secured fuel cards work a lot like traditional fuel cards but with an important twist. Instead of the card provider giving you the card and trusting that you’ll pay your fuel bill at the end of the month, you must first deposit money into an escrow account.

This deposit represents your credit limit, and it remains untouched as long as you pay your card balance on time each month. If you were to fall behind on your fuel payments, your card provider could take funds from your deposit.

Secured fuel cards can help you build your business’ credit score in addition to making it easier to buy gas. However, they can have steeper fees compared to prepaid fuel cards.

Business debit cards

Business debit cards are connected directly to your business bank account and enable you to draw funds to purchase fuel. They aren’t exactly fuel cards, but they often have low fees and you can get them from your current business banking provider.

The downside to using debit cards to buy fuel is that they don’t offer as many spending controls as dedicated fuel cards. For example, you may not be able to limit drivers making purchases at gas stations only. Business debit cards also typically don’t offer the same fuel discounts as dedicated fuel cards.

How We Evaluated the Best No Credit Check Fuel Cards