Written by Matt Reed Reviewed by Maïté Bouhali Updated on February 11, 2025 On this page Shell Fleet Cards: Fees and Discounts Pros and Cons Shell's Cards Explained Shell Fleet Plus Card Shell Small Business Card Shell Fleet Navigator Card Are Any of Shell’s Fleet Cards Right for My Business? How Do Shell’s Fleet Cards Compare to Its Competitors? Our Methodology: How Did We Review Shell Fuel Cards? Expert Verdict Expand Shell Fleet Cards are among the best fuel cards for small businesses on the market in 2025, with the company known for its vast network of more than 13,000 stations across the US – slightly more than close rival ExxonMobil.Shell offers three branded fleet cards in total, with options for both small and larger fleets. According to our research, Shell’s cards can reduce time spent refueling by allowing payment at the pump. There are also no surcharges when purchasing fuel to worry about, and the provider’s dashboards allow fleet managers to easily monitor their fuel expenses in real-time.In this Shell review, we’ve assessed each card’s fees, coverage, and pros and cons. Discover the details below, starting with a comparative overview of the three options.Shell Quick FactsShell Fleet Plus® Card is best for those seeking maximum rebates on fuel with an average of 4¢ per gallon, and zero card fees.Shell Small Business™ Card is best for those who would like help with cash flow since you’ll be able to carry a monthly balance.Shell Fleet Navigator® Card is best for cross-country fleets that value wide network coverage, with a near-universal acceptance rate of 95% of US stations. Shell Fleet Cards: Fees and Discounts Swipe right to see more 0 out of 0 backward forward Shell Stations Only Shell Fleet Plus Card Shell Stations Only Shell Business Card 95% of US Fueling Locations Shell Fleet Navigator Best For Maximum savings and zero fees Best For Carrying a monthly balance Best For Wide US network coverage Card Fees None Card Fees None Card Fees Custom fees (prev. $2 per card, per month with $1.25 transaction fee at truck stops and $40 one-time setup fee) Rebates This is a reward per gallon of fuel purchased (in the form of cashback or credit) 2¢ (if 0 to 500 gallons purchased in a month)3¢ (501 to 5,000 gallons)5¢ (5,001 to 10,000 gallons)6¢ (over 10,001 gallons) Rebates This is a reward per gallon of fuel purchased (in the form of cashback or credit) 2¢/gallon (if 0 to 500 gallons bought in a month)3¢ (if 501 to 5,000 gallons)5¢ (if 5,001 to 10,000 gallons)6¢ (if 10,001 to 20,000 gallons) Rebates This is a reward per gallon of fuel purchased (in the form of cashback or credit) 1¢ (0 to 1,000 gallons)2¢ (1,001 to 4,000 gallons)3¢ (4,001 to 7,000 gallons)4¢ (7,001 to 10,000 gallons)5¢ (10,001 to 25,000 gallons) Perks 15% off at Jiffy Lube Perks 15% off at Jiffy Lube Perks 20% off at Jiffy Lube The Pros and Cons of Shell✅Pro: Zero card feesMany fleet cards have hidden fees or monthly charges that add up and deduct from your overall saving, which is not ideal if you run a small business where every cent counts. Shell’s Small Business and Fleet Plus cards carry zero card fees and you can earn average rebates of 3-4¢ per gallon at no extra cost.✅Pro: Access to handy appsShell’s fleet cards give access to WEX’s suite of fleet management apps, including Driver Dash, to locate the nearest stations, ClearView, to analyze fueling trends and Fleet SmartHub, to have smartphone access to your account when on the go.While offering a decent number of gas stations, there are some clear gaps in Shell's network across the US. Source: Expert Market via Shell website✅Pro: 24/7 customer serviceYou never know what will happen next when on the road, but it’s nice to see that you or your drivers can reach Shell’s customer service at all hours as its available 24/7, 365 days a year. This is a feature we’ve not seen with any other fleet card providers, so definitely a huge plus.❌Con: No rewards schemeA downside to Shell’s range of fleet cards is that they don’t offer much in terms of extra perks, such as a rewards scheme, or any extra discounts. Other providers, such as ExxonMobil and Edenred, do offer freebies to maximize your overall savings outside of your fleet expenses. Shell’s Cards ExplainedBelow we’ve broken down Shell’s three fleet card options, Shell Fleet Plus Card, Shell Small Business Card, and Shell Fleet Navigator Card. We’ve considered key factors such as card fees, savings, and top strengths to identify which business card is best for your fleet’s individual needs.To avoid repeating ourselves, it’s worth first highlighting what features all three cards can offer no matter which you chose before we dive into how they differ. All Three Shell Cards Offer... Widespread acceptance: Use your card at approximately 13,000 Shell stations.Nationwide discounts: Enjoy discounts at all participating Jiffy Lube locations.24/7 roadside assistance: Access emergency help via National Automobile Club for towing, jump-starts, tire changes, and more.Around-the-clock customer service: Get support 24/7/365 for account inquiries, lost/stolen cards, and troubleshooting.Online account management: Use Shell Account Manager to control fleet spending, view statements, and set spending limits.Detailed reporting: Analyze fuel usage, spending trends, and fleet efficiency with reports (e.g., transaction summaries and spending patterns by driver, vehicle, or department).Data capture: Benefit from Level 3 data capture at stations (recording odometer readings, vehicle ID, driver ID, fuel grade, and quantity purchased) to help reduce fraud.Custom purchase controls: Set daily, weekly, or monthly spending limits and restrict purchases by station, time, or type (fuel only or including maintenance/repairs).Mobile fleet management: Manage your account on the go with the Fleet SmartHub® app (view real-time transactions/alerts, lock/unlock cards, adjust limits, and locate nearby Shell stations). Shell Fleet Plus CardBest for: Mid-sized fleets looking for fuel rebates, broad acceptance, and some analytics without high complexity. Shell Fleet Plus® Savings Up to 6¢ per gallon Get a free quote Read our review Strengths Comes with an excellent station finder web app Data reports point out opportunities for you to save money Shell provides 24/7 customer service to fuel card users Weaknesses Coverage gaps in some parts of the Midwest and Southwest Rebates are only truly generous if you buy over 10,000 gallons per month Pricing See more See less Card Type Credit Fee Structure Rebates of 2-6¢ per gallon on average Accepted Fuel Type Gasoline and diesel Minimum Spend N/A Network Coverage Nearly 13,000 Truckstop coverage Yes Non-Fuel Products Car washes and maintenance (at Shell stations) Additional perks 10-15% off at Jiffy Lube Key features of the Shell Fleet Plus cardPositioned as its mid-tier solution, the Shell Fleet Plus card strikes a balance between robust features and manageable complexity. Those features include:Shell’s joint-highest possible rebates – You get up to 6¢ per gallon rebate rates (if you purchase more than 10,000 gallons per month) like the Small Business card. Meanwhile, the Shell Fleet Navigator only provides rates up to 5¢ per gallon.The Shell Fleet Plus and Shell Small Business cards have the same rebate rates - Source: Expert Market via Shell websiteNo card fees (no monthly, annual, or setup fees) unlike the Shell Fleet Navigator card.ClearView Data Analytics for fuel and fleet performance insights, which the Small Business card doesn’t have.15% Discount at participating Jiffy Lube locations, albeit you do get an extra 5% off (20%) with the Fleet Navigator card.Limitations compared to other Shell cardsStill, the Shell Fleet Plus Card doesn’t have everything you might require from your fleet card. Here are some potential limitations compared to Shell’s other options:Shell-only usage – Shell’s Fleet Plus Card can only be used to buy fuel at Shell stations. There are around 13,000 Shell stations, covering 47 of the lower 48 states (Montana is the exception), but if you need near-universal coverage the Shell’s Fleet Navigator card is a better fit.No EV charging access – Unlike the Fleet Navigator card, it does not support electric vehicle charging payments.No payment flexibility – You cannot carry a balance with the Shell Fleet Plus Card. Instead, any outstanding credit must be paid in full each billing cycle. If you need this flexibility, the Small Business card is the only option of the three.Lacks Site Selector custom networks – Shell allows you to build custom networks for fuel and maintenance location on its Site Selector tool. However, this is a feature exclusive to the Shell Fleet Navigator card. Instead, you’ll be able to use the Site Selector, but not customize it to only show locations you prefer.No B2B Loyalty Program for additional rebates at participating Shell retailers since this is only available with the Shell Fleet Navigator card.The Shell Fleet Plus Card Shell Small Business CardBest For: Small business fleets needing higher fuel rebates and payment flexibility (carry a balance) with no card fees (monthly or annual, and no cost for additional cards). Shell Small Business Card Savings Up to 6¢ per gallon Get a free quote Strengths Offers joint-highest Shell rebates of up to 6¢ per gallon Allows carrying a balance, which can aid with cash flow management No monthly, annual, or setup fees to consider Weaknesses Only accepted at Shell stations Lacks advanced reporting features like ClearView data analytics Does not offer custom networks for fuel/maintenance or B2B loyalty program rebates Details See more See less Card Type Credit Fee Structure Rebates of 3¢ per gallon on average Accepted Fuel Type Gasoline and diesel Minimum Spend N/A Network Coverage Nearly 13,000 Truckstop Coverage Yes Non-fuel Products None Additional Perks 15% Discount at Jiffy Lube Key features of the Shell Small Business cardShell’s Small Business card is exactly who its name suggests it is for: small business operations after targeted features in a simple format. Here’s what it could provide your fleet:Rebates of up to 6¢ per gallon (higher maximum than Fleet Navigator).No card fees (monthly, annual, or setup) – cost-effective for small fleets.Payment flexibility – Ability to carry a balance, which helps with cash flow (the only Shell card that allows you to do this).15% discount at participating Jiffy Lube locations (same as Fleet Plus).Limitations compared to other Shell cardsWhile a top choice for small businesses needing to carry a balance, it has less advanced smarts compared to the other two cards.Not accepted at 95% of fuel stations – Unlike Fleet Navigator, you’ll only have Shell stations to spend at.No ClearView data analytics – Less robust reporting capabilities compared to the other two cards.No EV charging access – Only Fleet Navigator supports EV payments.No custom networks for fuel & maintenance – Unlike Fleet Navigator.No B2B loyalty rebates – Only available on Fleet Navigator.The Shell Small Business Card Shell Fleet Navigator CardBest for: Large regional and national enterprise fleets that need advanced data analytics, customizable network controls, and EV charging support. Shell Fleet Navigator Savings Up to 5¢ per gallon Get a free quote Pros Most advanced Shell fuel card features including EV charging support, ClearView data analytics, and custom network (Site Selector) capabilities Accepted at 95% of fueling locations in the US 20% discount at participating Jiffy Lube locations Cons $2 per card, per month fee, plus others for setup and late payment Broader functionality and integration options may require more detailed oversight and management Details See more See less Card Type Credit Fee Structure Rebates of 3¢ per gallon on average Accepted Fuel Type Gasoline and diesel Minimum Spend N/A Network Coverage 95% of US stations, roughly 107,000 Truckstop Coverage Yes, but $1.25 transaction fee at Truck Stops Non-fuel Products N/A Additional Perks 20% off at Jiffy Lube Key features of the Fleet Navigator cardRebates of up to 5¢ per gallon (the lowest of the three, but still comparable and dependent on fuel spend).The Shell Fleet Navigator might have lower max rebate rates but it does take less fuel spend to get to 3¢ rebates than the other Shell cards - Expert Market via Shell websiteAccepted at 95% of all US fueling stations (unlike the other two Shell fleet cards).B2B loyalty program for additional rebates at participating Shell retailers that no other Shell card is eligible for.Access to EV charging payments – Supports both on-the-go and at-home charging payments, making it the only option for electric fleets.ClearView data analytics – Provides deep fuel and fleet performance insights, like Fleet Plus.Custom networks for fuel and maintenance (Site Selector) – Allows fleet managers to pick and choose the locations they want drivers to re-fuel with custom maps.20% discount at participating Jiffy Lube locations – Higher than the 15% discount offered by the other two cards.Limitations compared to other Shell cardsCard fees apply – Unlike the other two, the Fleet Navigator has custom fees to consider. While these are now private, according to the latest publicly available Shell Fleet Card application form from 2023, the cost is $2 per month, per card. That document also details a surcharge of $1.25 for each transaction at truck stops, a late payment fee of $75 or 6.99% (whichever is greater) and a $40 setup fee.More complex admin– With added network controls and data analytics, managing the card may require more oversight. Need a personal gas card? If you’re looking for a fuel card for personal use, on the other hand, we suggest researching the Shell Fuel Rewards Mastercard. Are Any of Shell’s Fleet Cards Right for My Business?If you’re simply looking for a fuel card with no credit check, you could go far with the Shell Refillable Card, which works like a gift card. But if you’re keen to equip your business with digital management tools, take a look at the below options.‘I run a small fleet’As the name goes, the Shell Small Business card is intended for smaller fleets as it can help with cashflow issues that are especially common in the growing stage of any business by allowing customers to carry a monthly balance. If money is tight, you may want to consider the best fuel cards with discounts right now.If cash flow is not an issue and you’d prefer to maximize your fuel savings with higher rebates, the Shell Fleet Plus may be your best bet. Both of these cards have zero card fees so they are among the best fuel cards for smaller fleets.‘I run a large fleet’If you’re running a larger operation, you may benefit from a larger network coverage and we’d recommend the Shell Fleet Navigator since it covers 95% of the country. Otherwise, the Shell Fleet Plus is a great all-rounder, with maximum savings on fuel and zero card fees.‘I run a fleet of trucks’One of the best fuel cards for trucking fleets covering long distances is the Shell Fleet Navigator, as it has wide network coverage covering 95% of the US. However, it charges a $1.25 transaction fee at truck stops, which isn’t ideal. We’d also recommend the WEX Fleet Cross Roads Card, as it has unparalleled truckstop coverage and no extra charges at truck stops. How Do Shell’s Fleet Cards Compare to Its Competitors? Swipe right to see more 0 out of 0 backward forward Shell Fleet Plus Card WEX FlexCard Edenred Essentials ExxonMobil FleetPro Comdata Card Card Fees None Card Fees $4 per card, per month Card Fees $3 per card, per month$50 fee for late paymentOther fees apply Card Fees Custom fees (prev. $2 per card, per month and $40 one-time setup fee) Card Fees $8 per monthOne-time $50 set-up fee Rebates This is a reward per gallon of fuel purchased (in the form of cashback or credit) 2¢ (if 0 to 500 gallons purchased in a month)3¢ (501 to 5,000 gallons)5¢ (5,001 to 10,000 gallons)6¢ (over 10,001 gallons) Rebates This is a reward per gallon of fuel purchased (in the form of cashback or credit) 3¢/gallon for the first 6 monthsThen variable depending on fuel spend Rebates This is a reward per gallon of fuel purchased (in the form of cashback or credit) 1¢ /gallon (up to 3,999 gallons/month)2¢ /gallon (10,000-14,999 gallons/month)3¢ /gallon (20,000-24,999 gallons/month)(Up to 4¢ per gallon) Rebates This is a reward per gallon of fuel purchased (in the form of cashback or credit) Fixed tariff for consistent gas prices Rebates This is a reward per gallon of fuel purchased (in the form of cashback or credit) Average rebate on gas between $0.08 and $0.25/gallon Network Coverage 13,000 Network Coverage Accepted at 95% of US gas stations which is approximately 185,000 stations Network Coverage Accepted anywhere that accepts Visa Network Coverage 12,000+ Exxon and Mobil locations800+ commercial fueling stations Network Coverage 15,000+ Perks 15% off at Jiffy Lube Perks None Perks Costco Membership Perks Exxon Mobil Rewards+ Points Perks Discounts on tires and hotels Shell vs Competitors: PriceWith zero card fees, Shell’s Fleet Plus card beats competitors ExxonMobil, Edenred and Comdata. The WEX FlexCard similarly, has no monthly charges. Comdata is by far the most expensive at $8 per month, while ExxonMobil ($2 per month) and Edenred ($3 per month) are a little less steep. Shell’s zero card fees are a huge plus since saving on fuel costs is possibly the biggest attraction for getting a fuel card in the first place.Shell vs Competitors: Network CoverageWEX and Edenred tie in this department as they both have extensive coverage. WEX covers 95% of the US (107,000 stations), while Edenred is accepted wherever Visa is accepted, which gives it a similarly universal reach as WEX. Shell’s Fleet Plus card is only accepted at 13,000 which is comparatively narrow. On the other hand, the Shell Fleet Navigator card is partnered with WEX so has the same vast network coverage spanning 95% of the country. Our Methodology: How Did We Review Shell Fuel Cards?We 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 cards' potential to pay for items and services other than gas. ▶ Read more: Can You Use a Fuel Card To Charge Electric Vehicles? Expert Verdict We believe that Shell’s fleet cards are a fantastic option for business fleets, and certainly a better choice than several popular competitors – especially in terms of affordability.Shell’s Fleet Plus card is a solid all-rounder that offers rebates of up to 6¢ per gallon, which is a huge saving for a card that is completely free. It can be used at Shell’s nearly 13,000 US gas stations and comes with access to Shell’s Fleet SmartHub® app which provides clear overviews of transactions and available credit so you can spot any possible misuse or cancel lost/stolen cards. We think it is the best option for the average fleet business in the US.Unfortunately, its coverage is not as vast as the Fleet Navigator, which grants you access to 95% of US stations, meaning companies working in regions without a wide range of Shell Stations may prefer this option instead. It also offers more advanced and customizable reporting and security functions to keep track of spending, ideal for larger businesses with lots of staff. It isn’t a free fuel card, however, as you’ll need to pay $2 per month for the pleasure.Lastly, Shell’s Small Business card offers decent rebates and makes it possible to carry a monthly balance, all without any monthly fees. We think it’s something of a middle ground between the two other options and is sure to ease the load of smaller fleets in particular.Each card offers competitive benefits and competent reporting, control, and security features. But if you’re still not sure which fleet card supplier is right for you, don’t worry – we’re here to help. Tell us about your business using the form at the top of this page, and you’ll receive custom quotes from trusted fleet card suppliers. This process is fast and free. 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. Reviewed by: Maïté Bouhali Business Software Editor Maite began her career with Expert Market nearly four years ago as a writer. She quickly developed a passion for the challenges faced by small businesses and now endeavours to help them make informed decisions for their future. In her current position as Business Software Editor, Maite works closely with writers to ensure that each article is informative, well-researched, engaging, and actionable for readers. With extensive knowledge of CRM, vehicle tracking devices, and fuel cards, she is meticulous in her review of each article and provides detailed feedback before publication. Whether you're seeking to stay informed on the latest trends in business software or need guidance in selecting the most appropriate software for your organisation's needs, Maite is here to help. With her sharp eye for detail and commitment to quality, she is dedicated to supporting businesses in achieving their goals.