Written by Matt Reed Published on September 19, 2025 On this page EFS Fleet Cards Review: Key Takeaways (2025) EFS Fleet Cards Explained EFS Cards' Pricing and Fees EFS/WEX Apps Applying for an EFS Card EFS card application approval time frame EFS vs Other Fleet Cards How We Review Fleet Cards Verdict Expand Choosing the right EFS fuel card starts with how and where your fleet fuels. EFS sits under the WEX umbrella and offers four paths: the EFS Fleet Card, the Fleet One EDGE, the EFS Fleet Mastercard, and the CrossRoads Freight Card.The common thread is on-the-road (OTR) friendly tools, such as strong purchase controls, cash services and driver/manager apps. The trade-offs, however, are often around network strategy, discount mechanics and how each program prices fees in your agreement.Below, we compare EFS against leading alternatives to show when an EFS option is the better buy, and when a competitor might edge it out on simplicity, rebate potential or universal acceptance. EFS Fleet Cards Review: Key Takeaways (2025) Pick your network strategy first. Real savings hinge on how often you can fuel in-network versus out-of-network — map routes and confirm site coverage before you apply.Get the full fee table in writing. EFS/WEX pricing is contract-based, so ask for all monthly, per-card, transaction, out-of-network, and payment-method fees, then model year-one total cost of ownership.Validate discounts at the exact locations you use. Don’t rely on averages, check the app/portal for station-level pricing, and make sure your top stops actually deliver the advertised savings.Understand the rails you’ll use. Closed-loop EFS versus Mastercard acceptance can carry different rules and costs — set category controls, prompts, and alerts to prevent spend leakage.Operationalize with the apps. Roll out CardControl/CarrierControl, require odometer/driver prompts, and review weekly exception reports to keep transactions compliant and on-policy.Best for OTR fleets that fuel at truck stops: EFS’s EDGE network offers solid rebates and $0 fuel transaction fees at 4,000+ in-network sites, with CrossRoads covering 95% of retail and 16,000+ truck stops. Universal-acceptance Visa cards (Coast/Edenred) can be simpler for mixed fleets, and Comdata can beat it on chain-specific truck-stop discounts.Pilot before you scale. Start with a small card batch for 30 days, compare invoice price per gallon (after fees) to your benchmarks and only then roll out fleet-wide. EFS Fleet Cards ExplainedEFS (a WEX brand) sells four US cards under the same umbrella:EFS Fleet CardFleet One EDGEEFS Fleet MastercardCrossRoads Freight CardAcross the family, fees aren’t publicly posted with pricing set in your account agreement. What EFS/WEX publishes are the networks and policies that shape your actual costs (e.g. where in-network fees are waived, where out-of-network fees can apply, and which discount networks you can access).As we’ll detail further later on in this review, you also get the same core stack of tools and add-ons with each, including: WEX CardControl (driver app), EFS CarrierControl (manager app) and options like Checks and MoneyCodes, Fuel Tax/IFTA, SecureFuel and CAT Scale/Weigh My Truck integrations.Let’s now go through what each card can offer you. Swipe right to see more 0 out of 0 backward forward EFS Fleet Card Fleet One EDGE EFS Fleet Mastercard CrossRoads Freight Card Suitable For Mid-to-large OTR fleets Suitable For Small/growing fleets (typically up to ~50 trucks) Suitable For Fleets that want EFS controls for fuel, plus Mastercard acceptance for maintenance, travel, and entertainment Suitable For Mixed fleets (heavy trucks + light-duty vehicles) Card Fees Undisclosed (agreement-based) Card Fees Undisclosed (agreement-based)No fuel transaction fees at 4,000+ in-network locations Card Fees Undisclosed (agreement-based) Card Fees Undisclosed (agreement-based) Rebates This is a reward per gallon of fuel purchased (in the form of cashback or credit) Undisclosed (agreement-based) Rebates This is a reward per gallon of fuel purchased (in the form of cashback or credit) $0.12 – $0.15/gallon average via EDGE discount network Rebates This is a reward per gallon of fuel purchased (in the form of cashback or credit) Undisclosed (agreement-based)Cash price for fuel in the EFS merchant network Rebates This is a reward per gallon of fuel purchased (in the form of cashback or credit) Undisclosed (agreement-based) Network 12,000+ truck stops across North America Network 12,000+ truck stops nationwideFuel discounts at 4,500+ sites Network 12,000+ truck stopsMastercard network: 10.3 million+ locations (575,000 fuel/maintenance). Network 95% of US retail gas stations, including 16,000+ truck stops EFS Fleet CardIdeal for: Mid-to-large OTR fleets that want tight purchase controls, cash services, and integrations.Pricing: Not published; fees are agreement-based (ask for the full fee schedule: monthly/account, per-card, transaction, out-of-network, cash services, payment processing).Network coverage: 12,000+ truck stops across North America.Fuel types: Diesel/gas at truck stops (closed-loop EFS network).Rebates/discounts: Not published on the product page; value typically comes from cash-price fuel policies where applicable, purchase controls and data. (Confirm in your contract.)Truck stop coverage: Nationwide EFS network (12,000+).Extras: Real-time limits and prompts, fraud tools, cash advances/ATM, reconciliation, third-party integrations, CardControl/CarrierControl, CAT Scale.Fleet One EDGEIdeal for: Small/growing fleets (typically up to 50 trucks) prioritizing fuel discounts and broad OTR acceptance.Pricing: Not published; agreement-based.Network coverage: 12,000+ truck stops nationwide (wide acceptance). Fuel discounts at 4,500+ sites, and no fuel transaction fees at 4,000+ in-network locations.Fuel types: Diesel/gas at truck stops.Rebates/discounts: Discounts delivered via the EDGE discount network (varies by site). Out-of-network truck stops commit to no higher than the posted cash price, although an out-of-network fee may apply. WEX EDGE network savings can be huge WEX’s broader marketing cites $0.12 to $0.15 per gallon average savings for Fleet One EDGE. Actual savings vary by location and merchant approvals. Use this as directional only and verify your locations in the app.Truck stop coverage: National OTR brands (PFJ, TA/Petro, AMBEST, etc. subject to approval), plus thousands more.Extras: Access to the WEX EDGE savings program for tires, hotels, wireless and more; CardControl/CarrierControl; CAT Scale.EFS Fleet Mastercard (dual-network)Ideal for: Fleets that want EFS controls for fuel plus Mastercard acceptance for maintenance, travel and entertainment, and only use one card.Pricing: Not published; agreement-based and can differ between EFS-network versus Mastercard-network transactions.Network coverage: EFS network: 12,000+ truck stops. Mastercard network: 10.3 million+ locations (575,000 fuel/maintenance). Cash price for fuel in the EFS merchant network.Fuel types: Diesel/gas at truck stops (EFS network) + retail/maintenance/travel via Mastercard backing.Rebates/discounts: Discount mechanics depend on the transaction routes (EFS versus Mastercard). Confirm rates/eligibility per merchant and agreement.Truck stop coverage: EFS OTR network (12,000+), plus broad Mastercard acceptance beyond truck stops.Extras: MCC/TCC category controls, velocity limits, Level III/“Level III Plus” data, CardControl/CarrierControl, and CAT Scale.CrossRoads Freight CardIdeal for: Mixed fleets (heavy trucks and light-duty vehicles) needing both truck stop and retail gas coverage.Pricing: Not published; agreement-based.Network coverage: 16,000+ truck stops and 95% of US retail gas stations (single closed-loop network experience).Fuel types: Diesel/gas at truck stops and retail.Rebates/discounts: Specific rates are not published on the page, so you’ll need to verify in your agreement.Truck stop coverage: National majors plus independents (per EFS/WEX pages).Extras: Powerful controls/reporting, 24/7 customer service, ATM/MoneyCode access; built on EFS and WEX proprietary networks. EFS Fleet Cards’ Pricing and FeesAs alluded to above, EFS/WEX does not publish a single public fee sheet, as pricing and fees are set in your personal program agreement. What we can confirm here is drawn from the official product pages and legal footnotes, plus what each network relationship implies.Quick view: What’s publicly clear about feesFleet One EDGE: No fuel transaction fee at 4,000+ EDGE in-network sites (and at ~1,300 Fleet One in-network locations). Out-of-network transactions may carry a fee.EFS Fleet Card: Enterprise-style, closed-loop EFS network product. Fees are agreement-based (not listed publicly).EFS Fleet Mastercard: Dual-network card (EFS closed loop + Mastercard). EFS-network purchases follow your EFS terms; Mastercard-network purchases follow Mastercard acceptance rules. Page emphasizes cash-price fuel in the EFS network, though specific fees are not posted publicly.CrossRoads Freight Card: Mixed-fleet card with 16,000+ truck stops and 95% of US retail gas stations. Again, fees are agreement-based and not posted publicly.Does the EFS Fleet Card have any hidden fees?Not in the legal sense, but most fees aren’t published online and live in your program/platform agreement.The one explicit fee policy EFS posts is for Fleet One EDGE: no fuel transaction fees at 4,000+ in-network sites, while out-of-network transactions may carry a fee (even though the location must honor the cash price).Expect your schedule to define any monthly/account fees, per-card fees, out-of-network transaction fees, cash services (MoneyCodes/ATM/checks) and payment method fees. Ask sales for the full fee table before you sign.Is the EFS Fleet Card good value for money?We’d say it can offer high value if you can live in-network (particularly with Fleet One EDGE), because in-network transaction fees are waived and discounts stack on top. In particular:Enterprise control seekers get strong ROI from the EFS Fleet Card (closed-loop controls, cash services, integrations), with value tied to your negotiated schedule and usage mix.Broad-acceptance buyers (shops, hotels, T&E) may justify the EFS Fleet Mastercard if they need both networks on a single card; again, verify how fees differ by rails.Mixed fleets often win with the CrossRoads Freight Card due to 16,000+ truck stops and 95% acceptance, but confirm discount eligibility and any per-use fees. EFS/WEX Fleet Card AppsEFS (by WEX) supports its four cards with a small toolkit of mobile apps for drivers, dispatch/managers and admins.All the apps below are available on both iOS and Android, although features vary by your card/program and user permissions. Here is what’s officially available:Driver-facing appsWEX CardControl (iOS/Android): For EFS or Fleet One cardholders. Check real-time balances and transactions, find accepting fuel stops by price and along a route, manage SmartFunds, register checks, transfer funds, and generate a dynamic ATM PIN when enabled. For Fleet One EDGE, the app also shows your site-specific fleet pricing/discounts.The WEX CardControl app has great features for finding places to refuel and knowing how much it will cost. Source: WEXFor Fleet One EDGE, you can verify in-network status and pricing per location directly in CardControl, which is useful if you’re chasing the best rate or avoiding out-of-network fees.WEX Connect (iOS/Android): Station and charger finder. Shows nearby fuel, EV charging and service locations with real-time prices pulled from WEX data. This is helpful for planning the cheapest stops on the road.With the WEX Connect app, you can input a location and see the gas stations in your area, filtered for the type of fuel your vehicle needs, with the prices for those stations listed either in a list or map view. Source: Matt Reed/Expert MarketWeigh My Truck (iOS/Android): EFS is an accepted payment method. Drivers can weigh and pay from the cab and receive a digital ticket.Manager/dispatcher-facingEFS CarrierControl (iOS/Android): For fleets using EFS. Issue MoneyCodes for emergency cash, lumper fees, roadside service, repairs or fuel. Manage driver cards, view statements, and see driver transaction details. A Fleet One CarrierControl variant exists for Fleet One programs.Admin/account-facingFleet SmartHub (iOS/Android): Admin app for account oversight: view available credit, posted transactions, and balances; re-issue/terminate cards; make/schedule payments; and get alerts (e.g. declined transactions) to spot misuse fast.Using the WEX Fleet SmartHub should allow fleet managers to keep a keener eye on fuel spending within their fleet. Source: WEX via Google Play Store How Do You Apply for an EFS Fleet Card?The application flow is essentially the same for all four EFS/WEX cards (EFS Fleet Card, Fleet One EDGE, EFS Fleet Mastercard, and CrossRoads Freight Card).Each product page has an Apply Now button that routes to WEX’s online credit application, or you can apply by phone at 1-888-588-6162.The standard application process for EFS Fleet CardsPick your card and start the application: Use the Apply Now link on the relevant card page (or call sales). You’ll be taken to WEX’s application portal.Provide business and account details: Expect to enter: legal business name, physical address, taxpayer ID (EIN/TIN/SSN for sole props), years in business, number of vehicles, and estimated monthly fuel/service spend (these fields are typical on WEX credit addenda).Identity/KYC verification: Because these are business credit accounts, WEX Bank must collect information that identifies your company and (as needed) authorized users/beneficial owners (e.g. name, address, date of birth), to comply with federal law.Credit review and (sometimes) a personal guaranty: Applications are subject to credit approval. In some OTR credit applications, WEX notes that if you complete the personal guaranty section, your personal credit may be used in the credit decision.Account setup and ordering cards: After approval, your rep (or the portal) will capture vehicle/driver details and ship cards. (See timeline below.) How long does it take to get approved?WEX states it aims to review applications within 48 hours. After approval, cards can be issued within seven days (expedited/overnight shipping is available for a fee if you want to get your card fast).Actual timing can vary by program and credit profile, of course, so this may not be what you experience. Always read platform agreements and terms Often, we can find platform agreements, or specific card’s terms and conditions documents, online. However, in this case, we came up empty.When you do apply, make sure you have read them yourself, as this will detail all the fine print in terms of specific rebates and benefits, as well as unexpected fees or credit requirements, that we can’t know without applying ourselves. How Do EFS Fleet Cards Compare With Competitor Fuel Cards?EFS’s four-card lineup (EFS Fleet Card, Fleet One EDGE, EFS Fleet Mastercard, CrossRoads Freight Card) is strongest for over-the-road (OTR) operations: big truck-stop footprints, the EDGE discount network, and, in EDGE’s case, no fuel transaction fees at 4,000+ in-network sites. CrossRoads also covers 95% of US retail gas stations plus 16,000+ truck stops, giving mixed fleets wide coverage.Here’s a topline comparison to other options, including notable alternatives in the WEX stable, that could be for you or your fleet. Swipe right to see more 0 out of 0 backward forward WEX Fleet Card Comdata Fleet Card Edenred Essentials ExxonMobil BusinessPro Universal Card Coast Card Shell Business Card Card Fees $4/card/month$40 set-up fee Card Fees $8/card/monthOne-time $50 set-up fee Card Fees $3/card/month$50 fee for late paymentOther fees apply Card Fees $2 monthly per card (for extended coverage)$40 set-up feeOther fees apply Card Fees $4/active card/monthZero setup fees Card Fees None Savings and Discounts Up to $0.15/gallon via the WEX EDGE Savings Network stationsUp to $0.03/gallon everywhere else Savings and Discounts Between $0.07-$0.25/gallon off, depending on station Savings and Discounts Rebate of $0.01-$0.04/gallon, based on fuel consumption Savings and Discounts Up to $0.06/gallon, based on fuel consumption Savings and Discounts Between $0.04-$0.10/gallon off gas, depending on partner station$0.01/gallon discount at any other station Savings and Discounts $0.02-$0.06/gallon, based on fuel consumption Network Accepted at 95% of US gas stations (approximately 185,000 stations)4,500+ stations offer access to higher WEX EDGE Savings Network rebates Network 15,000+ Network Accepted anywhere that accepts Visa Network 95% of US gas stations Network Accepted anywhere that accepts VisaDiscount network: 29,000+ stations Network 13,000 stations Key Features 24/7, US-based customer serviceDiscounts on vehicle accessories and hotel staysCan be used for engine lubricants, vehicle maintenance and cleaning Key Features Discounts on tires and hotelsRFID tags for card-free fuelingApp highlights stations with biggest savings Key Features Costco membershipCan be used for EV chargingApp available in Spanish and English for bilingual fleets Key Features ExxonMobil Rewards+ PointsStation locator featureContactless pay-at-pump24/7 customer support Key Features 1% cashback on any non-fuel purchase2% to 40% off supplies, maintenance, etc.Custom spending limits, restricted categories, and real-time alerts Key Features 15% discount at Jiffy LubeStation locator via WEX’s Driver Dash appElectronic invoicing24/7 customer support Coast (Visa fleet card): Better for universal acceptance and simple pricingWhy it can win: Coast’s Visa card works anywhere Visa is accepted, with a very clear fee ($4 per active user, per month) and a large partner network where you typically save between $0.03 and $0.09 per gallon. That transparency can outweigh contract-specific EFS fees for small/mid fleets that don’t need OTR cash services.Where EFS is stronger: OTR-specific features (MoneyCodes, CAT Scale tie-ins) and no fuel transaction fees at 4,000+ in-network EDGE sites.Comdata: Better for the highest truck-stop rebates (if you fuel at the right chains)Why it can win: Comdata offers cash pricing at the pump for most stations, plus up to an additional $0.40 per gallon at TA Petro. There are also published chain-specific deals (e.g. Pilot/FJ, Love’s), and it shows location-level discounts in its DRIVEN app. For fleets living at those networks, headline savings can beat typical EFS/EDGE discounts.Where EFS is stronger: Broader OTR acceptance across 12,000+ truck stops on EFS rails and, with CrossRoads, 95% retail gas. Mixed fleets and those making out-of-network runs.Something useful Comdata offers is its DRIVEN FOR COMDATA app, which allows you to see where the cheapest gas is located in the local area. Source: Expert MarketEdenred Essentials: Simpler, but weaker for heavy truckingWhy it trails EFS for OTR: Edenred’s Visa card is easy and widely accepted, but the benefits are modest: $3 per card, per month, and up to ~$0.04 per gallon back. If you rely on truck stops, EFS’s EDGE discounts, and in-network $0 fuel transaction fees deliver better net value more often, especially once you add EFS’s OTR-specific tools. How We Reviewed Fleet Cards Like EFSWe researched 13 fleet fuel cards to evaluate them in terms of how affordable they are and if they have features that can help control and manage fuel spending, all so we could provide the most useful recommendations to US fleets.Our rigorous testing process means these cards have been scored and rated in five main categories of investigation and 13 subcategories — this means 43 areas of investigation in total. We then gave each category score a “relevance weighting” to ensure the product's final score perfectly reflects the needs and requirements of Expert Market readers — and that's our algorithm.Our main testing categories for fleet fuel cards are:Security: Refers to the measures in place by the card provider to ensure the safety and protection of your information.Customer support: Includes the assistance the card provider offers, such as phone support, email or chat support, documentation, knowledge bases and online forums.Expense management: Refers to the features of the fleet fuel card, such as transaction tracking, expense reporting, receipt storage, integration with accounting systems and customizable expense categories.Convenience: Refers to the ease of use and accessibility of the fleet fuel card, including factors such as the acceptance network of gas stations, availability, price comparison tool, contactless payment at pumps and more.Card specific information: Refers to the details associated with the fleet fuel card itself, such as card fees, accepted fuel type, card type, fee structure, network coverage, plus the card's potential to pay for items and services other than gas. Verdict: Are EFS Fleet Cards For You? While EFS sits under the WEX umbrella and isn’t the newest name in town, its four-card lineup still makes a strong case, especially for OTR operations.Between Fleet One EDGE’s in-network fuel economics (and no fuel transaction fees at participating sites), CrossRoads Freight’s blend of truck stop and retail station reach, and the EFS Fleet Mastercard’s dual-network flexibility, there’s a credible option here for most trucking footprints. Layer in robust purchase controls, driver prompts and manager/driver apps, and day-to-day use feels purpose-built for fleets that live on the interstate.We do wish EFS/WEX were more transparent about pricing. Most fees (monthly, per-card, out-of-network, cash services like MoneyCodes/ATM, payment methods) sit in your contract rather than on the product pages, and discount levels vary by location.That opacity puts more burden on you to model the total cost. If your routes pull you off the EDGE network often or you rely on cash features, the per-use charges can chip away at savings, whereas simpler, Visa-backed cards with flat pricing may be easier to forecast.Where EFS shines is for fleets that can plan routes around participating truck stops and want tight spend governance. It offers real-time controls, granular prompts and strong data for audits, tax and compliance. Mixed fleets splitting time between travel centers and retail gas also benefit from CrossRoads Freight’s wide acceptance.Ultimately, the right pick comes down to where you fuel and how many gallons you buy each month. Ask EFS for the full fee table in writing, validate discounts at your actual stops in the app and pilot a small batch of cards for 30 days to compare invoice price per gallon (after fees) against your benchmarks before rolling out fleet-wide.We recommend using our quote comparison form to get exact quotes on the pricing you can expect with our top-rated providers to find out. It’s free, takes 60 seconds, and you’ll get no-obligation quotes in your inbox thereafter. Written by: Matt Reed Senior Communications and Logistics Expert Matt Reed is a Senior Communications and Logistics Expert at Expert Market. Adept at evaluating products, he focuses mainly on assessing fleet management and business communication software. Matt began his career in technology publishing with Expert Reviews, where he spent several years putting the latest audio-related products and releases through their paces, revealing his findings in transparent, in-depth articles and guides. Holding a Master’s degree in Journalism from City, University of London, Matt is no stranger to diving into challenging topics and summarising them into practical, helpful information.