Written by Julia Watts Updated on August 25, 2022 On this page The Best Fuel Cards for Small Businesses 1. BP Fleet Cards: Best fleet card for small business overall 2. Texaco Fleet Cards: Best value 3. Wex Fleet Cards: Best for coverage 4. AtoB Fleet Cards: Best for spending limits 5. Shell: Best for customer service Our methodology The Benefits of Fuel Cards for Small Businesses Next Steps FAQs Expand Our site is reader-supported. By clicking our links, we can match you with a potential supplier, and we may earn a small commission for this referral.The best fuel cards for small businesses are BP Fleet Cards, offering impressive gas rebates, and useful features like purchase limits and 24/7 access to transaction information. But that's just one out of five options.With our research, we focused on the most important factors for small businesses, including the number of fuel sites where you can use the card, rewards, and redemption methods. The four remaining best fuel cards for small business are provided by Texaco, Wex, AtoB, and Shell.Whether you decide to go for regular credit cards, charge cards, co-branded gas cards, or fleet cards, this page will guide you through the best choices, so you know your money is being well invested into your small business.Short on time? No problem. Use our free quote-finding tool to get matched with the best fuel card providers for your small business, who'll be in touch with tailored, no obligation quotes for you to compare. Alternatively, read on to compare these best fuel cards for small businesses in the US. What Are The Best Fuel Cards for Small Businesses?From our research, we know the best fuel cards for small businesses are:BP Fleet CardsTexaco Fleet CardsWex Fleet CardsAtoBShellCheck out our table below for a detailed comparison… Swipe right to see more 0 out of 0 backward forward BP Texaco Fleet Cards WEX AtoB Shell Best for Best overall fuel card for small business Best for Best value Best for Best for coverage Best for Best for spending limits Best for Best for customer service Key Features Rebates up to 7 cents per gallonSet purchase limitsview 24/7 activity on cardsMastercard partnershipHuge inner-city coverage on west coast Key Features Large rebates for big fuel consumers5,000 Valero stationsAccepted at 95% of US gas stations and 45,000+ service stations Key Features 95% of US gas stations and 45,000+ service locationsNo setup feesDiscounts on fuel, tires, and hotelsDriver ID authorization Key Features Quickbooks integrationFull control over spending limitsLow barrier to entryAble to buy repairs, parts, and road tolls Key Features 24/7/365 customer serviceExtensive US coverageRebates up to 6 cents per gallon Save by comparing free quotes from the best fuel card providers for your small business Does your business already use fuel cards? Yes No Answer a few questions – it only takes a minute 1. BP Fleet Cards BP Fleet Cards Compare Quotes Read Review Quick overview BP has the best fleet cards for small businesses, offering rebates up to seven cents per gallon at BP stations when you buy at least 300 gallons of fuel in a month, unlike Texaco which requires your fleet to fill up 50,000+ gallons per month to get a rebate. You can also set purchase limits to stop unauthorized spending, ideal for small businesses looking to cut costs.If your small business operates within a particular city, especially on the west coast, you'll benefit from BP's vast inner-city coverage, enabling your fleet to operate seamlessly – and grow quickly – within the boundaries of a city. Read more + Read less - Strengths Rebates up to 7 cents per gallon at BP stations Set purchase limits to stop unauthorized spending Activate and deactivate cards easily through the online dashboard View 24/7 transaction info on cards, including fuel usage and vehicle performance Weaknesses BP station coverage very limited on the east coast Variety of admin fees to consider Pricing See more See less FeesCost Annual fee Up to $120 per year Account fee Up to $10 per account, per month Late fee $75 or 5% of the new balance (whichever is greater) Returned payment fee Up to $50 Paper statement and reports fee $15 per month, per account High-risk account fee $75 or 9.99% of the new balance (whichever is greater) EFT setup $50 2. Texaco Fleet Cards Texaco Fleet Cards Compare Quotes Read Texaco-Chevron Review Quick overview Texaco offers the best value fleet card for small businesses, with zero fees on the Business Card, and very low fees on the Business Access Card, starting from just $40 in set up costs. In terms of fees, this is much cheaper than BP's fleet cards.Texaco also offers better fuel savings per gallon than Shell, offering rebates up to eight cents per gallon if your fleet uses over 50,000 galls per month, which is ideal for small businesses with big fuel consumption. If your fleet consumes little fuel, you might want to choose BP's fleet cards that offer more accessible rebates. Read more + Read less - Strengths Large rebate for big fuel consumers Enormous station coverage Weaknesses High fuel-consumption requirements to access maximum rebate Pricing See more See less Business CardBusiness Access Card Zero set up fee $40 setup fee Zero monthly fee $2 monthly fee, per card Minimum $75 late fee Minimum $75 late fee 3. Wex Fleet Cards Wex Fleet Cards Compare Quotes Read Review Quick overview Wex covers 95% of US gas stations, making it the best fleet card for small businesses that want assurances that vehicles can find a place to fill. For cross-country fleets, Wex is the most reliable option, which is why it's also one of the best fuel cards for truckers.Unlike BP, there are no set up, annual or card fees to worry about, and you can benefit from discounts on tires and hotels. However, Wex only offers up to three cents per gallon in rebates, which is far less than BP and Texaco, so it's not the most cost-effective fleet card supplier for small businesses. Read more + Read less - Strengths Driver ID authorization Can allow, or limit, spending on fuel accessories like oils, parts and merchandise Huge US site coverage Discounts on fuel, tires, and hotels Weaknesses Low fuel saving Pricing See more See less FeesCost Setup fee Zero Annual fee Zero Card fees Zero 4. AtoB Fleet Cards AtoB Fleet Cards Compare Quotes Quick overview If you're worried about overspending, then AtoB fleet cards is the best fleet card for your small business. It enables full control over each card, including spending limits per day, per week, and per transaction. Meanwhile, you can use AtoB cards anywhere which uses Visa, so you have lots of flexibility in where users can fuel up.AtoB can't match BP or Texaco in fuel savings, offering only five cents per gallon in rebates, and, unlike Wex, it enforces setup fees from $25. Read more + Read less - Strengths Superb spending limit features Quickbooks integration low barrier to entry Can also buy repairs, pars, insurance, and road tolls Weaknesses Requires setup fee and monthly fee Relatively low fuel savings Pricing See more See less FeesCost Setup fee $25 - $50 Monthly fee $4 - $12 per card, per month Card fees Zero transaction fees Eligible for Free Fuel Card Quotes? Click your state below to find out AK AL AR AZ CA CO CT DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY 5. Shell Shell Compare Quotes Read Review Quick overview Shell offers 24/7/365 customer service, which is vital for supporting small businesses through logistical roadblocks in the first few years of operation. Shell also supports extensive US coverage, with 3,000 Shell stations or access to 45,000+ service locations using the Shell Fleet Navigator card.On the downside, Shell's small business fleet card isn't included in its fuel rebate program, so you'll need to look elsewhere, such as BP or Texaco, if want impressive fuel savings. Read more + Read less - Strengths Brilliant customer service 24/7/365 Extensive US network Weaknesses Small business card not included in rebate program High-spending required to access the maximum rebate Pricing See more See less FeesCost Setup fees Zero Card fees Zero Eligible for Free Fuel Card Quotes? Click your state below to find out AK AL AR AZ CA CO CT DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY Our methodologyAt Expert Market, we aim to provide you with the most accurate, up-to-date, and transparent reviews possible. To help you better understand the best fuel cards for small businesses, we’ve conducted in-depth, extensive research into 13 fuel cards, whittling them down to just five for this article.For this article, we looked at each fuel card's:Fuel savingsFeesStation coverageChoice of payment schemesOur independent researchers then used these criteria to evaluate each fuel card in terms of how they can best help small businesses. The Benefits of Fuel Cards for Small BusinessesFuel cards are famous for being the saving grace for large trucking corporations; and now small companies can benefit from their rewarding rebates, too.The best fuel card companies help you save you money and give you better control over your business. The best fleet cards for small businesses also grant employees greater financial security and peace of mind.We’ve explained some of the benefits you can expect to see when you invest in a fuel card below. Or scroll down to find out more information on our top picks.Discounts on FuelA fuel card rewards small businesses by offering discounts on the purchase of fuel, oil, and lubricate at certain stations. So the more often you use your card, the more savings you gain. In addition, some cards offer rewards for every dollar spent or for every gallon of fuel purchased, allowing you to earn money back or even enjoy free fuel in the future.Less Risk of FraudSome businesses prefer to use a corporate card for buying fuel. Or they expect their drivers to use cash and then provide a receipt to be reimbursed. These methods mean unnecessary admin, and there’s always the risk that cash can be stolen on the road.Fleet cards for small business are much more precise and leave much less room for fraud or error. This not only saves your business from theft and legal issues, but makes the entire transaction more convenient.Greater Control Over SpendingA driver may seek out fuel stations that cost more. Another driver may pay a higher grade of gas than is necessary. Someone else could be overdoing it on the vehicle maintenance. These expenses stack up and could see you losing profits, rather than making them.A fuel card for small businesses allows you to set limitations on how much is spent, where it is spent, and at what times, so you can have a tight hold on where your money is going. In addition, regular reports on these transactions allow you to keep a close eye on what’s going on in your business. Did You Know? You can cut fuel costs up to 15% by investing in a fleet card. Save by comparing free quotes from the best fuel card providers for your small business Does your business already use fuel cards? Yes No Answer a few questions – it only takes a minute Verdict The BP Fleet Card is the best fuel card for small businesses, offering everything your small business needs to grow, such as fuel savings, an extensive network, and a partnership with the financial giant Mastercard. To get fuel rebates of up to seven cents per gallon with BP, you simply need to buy at least 300 gallons per month, compared to Texaco's requirement of 50,000+ gallons. This is just one of the many reasons why BP is the best fuel card for small businesses.However, BP might not be perfect for your specific business. It's hard to work out exactly what's right for you when there are so many different features and benefits on offer, which is why we recommend using our free quote-finding tool.Simply answer a few questions about your small business, and we'll match you up with the fuel card providers that meet your needs best. They'll then be in touch with tailored, no-obligation quotes so you can compare and save. FAQs How Much Money Does a Fleet Card Save? A survey held by Automotive Fleet magazine determined that by investing in a fleet card, businesses could save up to 15% on their entire fuel costs. This is not only on the price of fuel itself, but in the associated management expenses. How Many Vehicles Do I Need For a Fleet Card? There is no limitation on how many vehicles are needed to use a fleet card. Of course, the more drivers and vehicles you have, the more savings you can gain from a card. However, even a few vehicles will earn you savings over traditional corporate cards. How Much Does a Fuel Card Cost For Small Fleets? The price of fuel cards for small fleets differs from provider to provider – some require an annual fee and a card fee, while others do not.The important thing to consider when choosing a card is your location and the different stations your card supports. This is because the price of gas you see on the sign may not be the price you’ll pay with your card. And on the flipside, going to the wrong station can mean you miss out on your promised discount! Which fuel card is best for small businesses? The best fuel card for small businesses is BP, offering generous fuel savings, an extensive network (especially on the west coast), and a variety of helpful features like 24/7 access to transaction information via the online dashboard. In short, BP's fleet cards have everything your small business needs to grow. Which gas card is the easiest for small businesses? BP is the best fuel card for small businesses because it offers a user-friendly dashboard, providing 24/7 information on your transaction info, Driver IDs, and fuel usage. AtoB is another user-friendly option, supporting a variety of integrations, such as Quickbooks, to make running your small business a little easier. Is it worth it for a small business to have a fuel card? Yes. Fuel cards give your small business a smarter way to pay for gas, allowing you to track fuel spend and vehicle maintenance. Essentially, fuel cards can help your small business save money on otherwise expensive overheads, such as gas, maintenance, and repairs. Compare tailored prices from leading fleet card suppliers Get free quotes Answer a few questions – it only takes a minute Written by: Julia Watts Content Manager Specialising in the complex realms of telephone systems, business energy, vehicle tracking, asset tracking, and fuel cards, Julia writes content that cuts through the noise to help you find the right solutions and technologies for your business. Having spent five years working across the dynamic world of entrepreneurship, she loves helping exciting ventures – big or small – to flourish.