What is a Fleet Card?

Also known as gas cards or fuel cards, fleet cards give businesses that run vehicles an easy way to pay for gas and diesel. Fleet cards tend to work like credit cards: your employees use them to pay for fuel at stations, and at the end of each month, you’ll pay off the amount that your drivers have spent. If you prefer, it’s also possible to get prepaid fuel cards, which work more like gift cards: you pre-load them up with a sum of money, and your employees use that money to pay for their fuel.Fleet cards come with cost controls, so you can limit how much your employees spend, when they use the cards, and even what they use the cards to pay for. They also come with helpful fraud prevention measures.

Who are the top providers?

There’s a vast range of Fleet Card suppliers out there so it’s hard to narrow down exactly which is right for your business. We highly recommend Wex as one of the top suppliers available. We’re also big fans of TreviPay, Fuelman and Shell. Finding out which option is right for your business is the most important step, which is why we match you with the best options for you.

Our free quote-matching service is quick and easy to use:<ol><li>We’ll ask you a few questions about your business, so we can understand what you need.</li><li>We’ll use your answers to match you with up to five trusted suppliers. This is why we ask for your contact details. Your details are safe with us and we’ll only ever match you with suppliers that we know can cater to your needs.</li><li>Your matched suppliers will get in touch with you, so you can ask questions and receive quotes tailored directly for your needs. You’ll then be armed with all of the information you need to confidently compare and choose from.</li></ol>

Best Fuel Cards for Small Businesses in 2026

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In 2026, after assessing 13 of the best fuel cards across 43 criteria, we found WEX FlexCard the best pick for most small businesses due to its wide 95% station acceptance, a fixed 3¢/gal intro rebate for 180 days, and rare balance carryover for smoother cash-flow.

Across the market, leading cards return 2¢ to 15¢/gal and typically charge $2 to $4 per card/month. For instance, if you buy more than 10,000 gal/month, Shell or ExxonMobil usually beats WEX at 6¢/gal, while Edenred Essentials trades lower rebates (1 to 4¢) for near-universal acceptance and tight spend controls. Below, we compare the top five so you can match rebates, network size, and fees to your gallons and routes.

In 2026, leading small business fuel cards return 2c to 15¢ per gallon and typically cost $2 to $4 per card each month, plus about a $40 set‑up fee.
WEX FlexCard is the overall front‑runner, giving a fixed 3¢/gal for the first 180 days, near-nationwide acceptance, and the rare ability to carry a balance for smoother cash‑flow (ideal for small businesses).
Pick your network before you pick your rebate: A great cents-off deal is useless if your drivers can’t reliably refuel where it applies, so map your typical routes and fueling locations first, then choose a card whose acceptance matches them.
Run the “net savings” math (not the headline rebate): Compare what you’ll actually keep after per-card monthly fees and any setup costs, especially if you have multiple drivers/cards.
Treat billing terms like a fee: The difference between 15-day vs 30-day cycles, “pay in full” rules, and late-payment penalties can matter as much as the rebate—small businesses should prioritize terms that won’t punish normal cash-flow bumps.
Use controls to prevent leaks: Driver IDs/PINs, spend limits (by time, location, category, and dollar amount), and regular reporting are often where the biggest savings come from, because they reduce misuse and messy reimbursement admin.
Decide whether you need fuel-only or fleet spend: If drivers regularly need tolls, parking, maintenance, or supplies, a card that supports non-fuel categories (and ideally integrates with your accounting/fleet tools) can be worth a lower per-gallon rebate.

WEX FlexCard – Best Fuel Card for Small Businesses Overall
Shell Business Card – Best for Lower Credit Scores
WEX Fleet Card – Best for High Rebates Paired With Wide Coverage
Edenred Essentials – Best Expense Management
ExxonMobil BusinessPro Universal Card – Best Value Rebates

These are the providers we recommend based on our research. Fill in our sixty-second quote-finder form to get matched to the best service for your business based on the information you provide. Read our methodology section to learn more about how we investigate and assess fleet cards.

Best Fuel Cards For Small Businesses

In the table below, we’ve broken down the best fuel cards for small businesses by card fees, rebate savings, and network coverage. Read it for an overview or scroll down for an in-depth look at what each fuel card could offer your small business.

Swipe right to see more

Best Overall for Small Fleets WEX FlexCard	Best for Lower Credit Ratings Shell Business Card	Best for High Rebates Paired With Wide Coverage WEX Fleet Card	Best for Expense Management Edenred Essentials	Best Value Rebates ExxonMobil BusinessPro Universal Card

Card Fees $4/card/month	Card Fees None	Card Fees $4/card/month $40 set-up fee	Card Fees $3/card/month $50 fee for late payment Other fees apply	Card Fees $2 monthly per card (for extended coverage) $40 set-up fee Other fees apply
Rebates This is a reward per gallon of fuel purchased (in the form of cashback or credit) $0.03/gallon for the first 6 months Then variable depending on fuel spend	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) WEX EDGE $0.03 and $0.15/gallon (varies) Other stations $0.01/gallon (1 – 999/month) $0.02/gallon (1,000 – 4,999/month) $0.03/gallon (5,000+/month)	Rebates This is a reward per gallon of fuel purchased (in the form of cashback or credit) $0.01/gallon (to 3,999 gallons/month) $0.02/gallon (10,000-14,999 gallons/month) $0.03/gallon (20,000-24,999 gallons/month) (Up to $0.04 per gallon)	Rebates This is a reward per gallon of fuel purchased (in the form of cashback or credit) Average rebate of $0.06/gallon, based on fuel consumption
Network Coverage Accepted at 95% of US gas stations which is approximately 185,000 stations	Network Coverage 13,000 stations	Network Coverage Accepted at 95% of US gas stations which is approximately 185,000 stations	Network Coverage Accepted anywhere that accepts Visa	Network Coverage 95% of US gas stations

Prices correct as of January 2026

Which card fits my monthly gallons spending?

Use this quick table to estimate your net monthly value based on how much fuel you actually buy.

We’ve subtracted per-card monthly fees to show what you’re likely to keep after rebates, while assuming one active card and excluding any setup fees. Though it’s worth noting that this assumes you always refuel at in-network stations, which may not always be possible, depending on the network size and regional makeup.

**Net monthly value after fees at common monthly gallon bands**
Monthly gallons	Shell Business Card	ExxonMobil BusinessPro Universal	WEX Fleet (non-EDGE)	WEX FlexCard (intro 180 days)	Edenred Essentials (Visa)
600	3¢ × 600 = $18 (no monthly fee)	3¢ × 600 = $18 − $2 = $16	1¢ × 600 = $6 − $4 = $2	3¢ × 600 = $18 − $4 = $14	1¢ × 600 = $6 − $3 = $3
2,000	3¢ × 2,000 = $60 (no monthly fee)	3¢ × 2,000 = $60 − $2 = $58	2¢ × 2,000 = $40 − $4 = $36	3¢ × 2,000 = $60 − $4 = $56	1¢ × 2,000 = $20 − $3 = $17
6,000	5¢ × 6,000 = $300 (no monthly fee)	4¢ × 6,000 = $240 − $2 = $238	3¢ × 6,000 = $180 − $4 = $176	3¢ × 6,000 = $180 − $4 = $176	1¢ × 6,000 = $60 − $3 = $57
12,000	6¢ × 12,000 = $720 (no monthly fee)	6¢ × 12,000 = $720 − $2 = $718	3¢ × 12,000 = $360 − $4 = $356	3¢ × 12,000 = $360 − $4 = $356^*	2¢ × 12,000 = $240 − $3 = $237

^*WEX FlexCard intro 3¢/gal applies for the first 180 days; ongoing rates vary by monthly fuel spend and aren’t publicly disclosed. WEX Fleet shown at non-EDGE rates; EDGE-network rebates can be higher but vary by location and are not published. Values above assume one active card; multiply fee impact by your number of cards.

1. WEX FlexCard – Best Overall Fuel Card for Small Businesses

WEX FlexCard is our top pick for small businesses because it combines simple rewards with wide coverage. You get a fixed 3¢ per gallon rebate for the first 180 days, no setup fees, and a $4 monthly fee per card, with acceptance at roughly 95% of US gas stations. That mix of predictable early savings and broad usability makes it a flexible starting point for most small fleets before you move on to more specialized cards.

WEX FlexCard

Savings 3¢ per gallon for first six months; variable after

See Pricing WEX Review

Strengths

3¢ rebate per gallon (limits apply)

Accepted at 95% of US filling stations

Gas price comparison tool

Lower fees than many

Weaknesses

Potential fees for carrying a balance, late payments, and international transactions

No loyalty program or extra discounts

Can't pay for parking or tolls

The Basics


Card Type	Credit
Rebate Rewards	3¢ per gallon rebate for 180 days, then based on fuel spending
Accepted Fuel Type	Gasoline, diesel and electric
Minimum Spend	N/A
Network Coverage	Roughly 185,000 gas stations and 70,000 charging stations
Truckstop Coverage	Yes
Non-fuel Purchases	Engine lubricants, vehicle maintenance and cleaning fees
Additional Perks	N/A

What are the benefits and downsides of the WEX FlexCard?

Card name	Key benefits	Potential downsides
WEX FlexCard	Fixed 3¢/gal rebate for the first 180 days, with no minimum gallon thresholds Accepted at around 95% of US gas stations (plus many charging locations) Can carry a balance beyond the standard 26-day billing cycle for cash-flow flexibility No setup fees, and the WEX app helps compare fuel prices and find stations	Rebate rates after 180 days are volume-based and not published; heavy users may earn more with Shell, ExxonMobil, or WEX Fleet $4 monthly fee per card, plus interest and late fees if you carry or miss payments Cannot be used for tolls or parking, unlike broader Visa-backed options No loyalty program or in-store rewards on top of fuel rebates

How does the WEX FlexCard compare to other fuel cards?

WEX FlexCard sits in the middle of the pack for long-term rebates, but stands out for simplicity and flexibility. You get a guaranteed 3¢ per gallon for the first 180 days and roughly 95% station acceptance, without chasing brand-specific or volume-tier thresholds in the early months.

Unlike most rivals on this page, you can also carry a balance past the usual 26-day billing cycle, which can help with cash flow. The trade-off is a $4 per-card monthly fee and ongoing rebate rates that are volume-based and not publicly disclosed, so high-volume fleets may find better headline savings with Shell, ExxonMobil, or the WEX Fleet Card.

What WEX FlexCard does best

Flexible payment terms: You can carry a balance past the usual 26-day billing due date, which can be useful for smoothing cash flow. That’s unlike the WEX Fleet Card and most other options on this page, which must be paid in full each month.
Consistent early rebates: Guaranteed 3¢ off per gallon for the first 180 days, without needing to hit volume thresholds like Shell’s 500+ gallons or WEX Fleet’s 5,000+ gallons for better rates.
Wide acceptance: Accepted at roughly 95% of US gas stations (around 185,000 locations) and many charging sites, giving broader coverage than brand-tied cards such as the Shell Business Card.

Best fuel card alternatives to WEX FlexCard

If you need…

Higher volume rebates: Choose Shell, ExxonMobil or WEX’s Fleet Card. All three can beat FlexCard’s 3¢ rate once you’re buying thousands of gallons a month (e.g. 10,000+ gallons for Shell and ExxonMobil, or 5,000+ gallons and/or WEX EDGE locations for WEX Fleet).
Truck stop rebates + widespread parking or toll coverage: Choose Edenred Essentials, which can be used for tolls, parking, and maintenance anywhere Visa is accepted. WEX rebates do not apply at Tier 1 truck stops (Flying J, Loves, Petro, TravelCenters of America, and Pilot), even though you can still use the card there.
No monthly fees at all: Choose Shell, which has no flat monthly card fee, though you may still pay interest or charges for carried balances.

wex connect app showing gas stations and prices in a list, on a map and the filters you can use across three screens

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 Market

2. Shell Business Card – Best For Lower Credit Scores

The Shell Business Card is a good fit for newer or smaller businesses with weaker credit, since Shell is more flexible on approvals than most rivals. It has no monthly card fees and offers tiered rebates up to 6¢ per gallon if you can hit higher volumes, but it’s limited to around 15,000 Shell stations and works on a tighter 15-day billing cycle than most fuel cards.

Shell Small Business™ Card

Savings Average of 3¢ per gallon (1¢ to 6¢)

Compare quotes Shell Review

Strengths

Up to 6¢ per gallon rebate, especially beneficial for businesses purchasing over 5,000 gallons per month

Driver IDs to monitor card use per driver

15% discount at Jiffy Lube

Weaknesses

Smaller acceptance network compared to WEX, limiting use to around 15,000 Shell stations.

Coverage gaps in some areas of the Midwest and Southwest, making it less convenient in certain regions

No fuel price comparison tool to find the cheapest rate

Lower rebates for small fuel purchases compared to competitors

The Basics


Card Type	Credit
Rebate Rewards	1¢-6¢ per gallon
Accepted Fuel Type	Gasoline and diesel
Minimum Spend	N/A
Network Coverage	13,000
Truckstop Coverage	Yes
Non-fuel Purchases	15% off at Jiffy Lube
Additional Perks	N/A

What are the benefits and downsides of the Shell Business Card?

Card name	Key benefits	Potential downsides
Shell Business Card	Tiered rebates up to 6¢/gal for higher-volume Shell fuel purchases No monthly card fees, helping keep fixed costs low More flexible approval criteria than many rivals, useful for weaker credit Driver IDs and 15% Jiffy Lube discount support control and maintenance	Usable only at around 13,000–15,000 Shell stations with regional coverage gaps Short 15-day billing cycle, which may strain cash flow for some fleets Lower effective rebates on small fuel volumes versus high-volume tiers No fuel price comparison tool and limited non-fuel expense coverage

How does the Shell Business Card compare to other fuel cards?

The Shell Business Card suits small fleets that fuel regularly at Shell and need easier credit approval. You get tiered rebates up to 6¢ per gallon, with no monthly card fees, but only at around 15,000 Shell stations.

Compared to WEX and ExxonMobil, Shell’s shorter 15-day billing cycle and limited network make it less flexible for drivers who range widely across the US, but an attractive starter option for businesses that can keep most fuel spending at Shell locations.

What the Shell Business Card does best

Support for low or thin credit profiles: More lenient approval criteria than many competitors, making it easier for newer businesses or those with weaker scores to qualify.
Strong rebates at higher volumes: Up to 6¢ per gallon if you can hit 10,000+ gallons within Shell’s 15-day cycle, which rivals or beats most non-WEX cards on this page.
Low fixed card costs: No monthly card fees and built-in perks like 15% off at Jiffy Lube and driver IDs to track usage by driver.

Best fuel card alternatives to the Shell Business Card

If you need…

Near-universal station coverage: Choose WEX FlexCard, WEX Fleet Card, or ExxonMobil, each with around 95% station acceptance.
All vehicle expenses on one card: Choose Edenred Essentials, which covers fuel, tolls, parking, and maintenance anywhere Visa is accepted.
A simpler (most likely higher) monthly rebate: Choose the WEX Fleet Card or ExxonMobil BusinessPro, which both let you accumulate gallons over a 30-day cycle rather than just 15 days, extending the timeframe you can earn rebates and hit thresholds. The former also offers far higher rebates, no matter the time period.

While offering a decent number of gas stations, there are some clear gaps in Shell's network across the US. Source: Shell via Expert Market

3. Wex Fleet Card – Best Card for Both High Rebates and Wide Acceptance

The WEX Fleet Card is designed for high-volume fleets that require both extensive coverage and strong rebates. It’s accepted at about 95% of US fuel locations and delivers 1¢ to 3¢ per gallon savings almost everywhere, with the potential to reach up to 15¢ per gallon at WEX EDGE partner stations. You’ll pay up to $4 per card each month and must clear the balance in full, so it suits businesses with predictable cash flow.

WEX Fleet Card

Savings Volume-dependent rebates

Compare quotes WEX Review

Strengths

Accepted at 95% of US fuel locations

WEX EDGE Savings Network provides discounts on auto parts, tires and hotel stays

ClearView analytics platform offers detailed oversight of fuel consumption and spending

Weaknesses

Monthly card fees (up to $4) and additional fees like truck-stop swipes and replacement cards

Lower rebate rates compared to Shell and ExxonMobil cards for large fuel purchases

No balance carryover option, meaning the full balance must be paid monthly

The Basics


Card Type	Credit
Rebate Rewards	Variable based on gas purchased
Accepted Fuel Type	Gasoline, diesel and electric
Minimum Spend	N/A
Network Coverage	Roughly 185,000 gas stations and 70,000 charging stations
Truckstop Coverage	Yes
Non-fuel Purchases	Engine lubricants, vehicle maintenance and cleaning fees
Additional Perks	Discounts on hotel stays and vehicle accessories

What are the benefits and downsides of the WEX Fleet Card?

Card name	Key benefits	Potential downsides
WEX Fleet Card	Accepted at roughly 95% of US fuel locations, plus many charging stations 1¢-3¢/gal rebates at most stations, with 3¢-15¢/gal at WEX EDGE partners ClearView analytics and WEX Connect app for granular fuel spend tracking Extra discounts on travel, tires, and vehicle accessories via WEX EDGE	Up to $4 monthly fee per card, plus truck-stop and other add-on fees Full balance must be paid every month; no option to carry a balance Non-EDGE rebates can be lower than Shell or ExxonMobil at high volumes Rebate levels at specific EDGE stations aren’t clearly shown in the app

How does the WEX Fleet Card compare to other fuel cards?

The WEX Fleet Card is aimed at fleets that want both wide acceptance and strong potential rebates. It’s accepted at roughly 95% of US fuel locations and can deliver 1¢ to 3¢ per gallon at most stations, with headline savings of up to 15¢ per gallon at WEX EDGE network partners.

In return for those higher upside rebates, you’ll pay up to $4 per card each month and must pay the balance in full, so it fits best for established fleets with predictable cash flow and higher monthly fuel volumes.

What the WEX Fleet Card does best

Consistent 1¢ to 3¢ rebate anywhere: Ongoing for larger fleets (5,000+ gallons monthly), not just an introductory offer (as with the FlexCard) for all stations where the card is accepted in the US (95% of stations).
Massive 15¢ discounts on the WEX EDGE Network: Exclusive savings on fuel at WEX partner stations are between 3¢ and 15¢, which is far higher than the 6¢ peaks with other providers. There are also discounts on travel, tires, auto parts, and more, which is a bonus.
Detailed analytics and app functionality: ClearView analytics helps track and manage fuel spending across the fleet. Meanwhile, the WEX Connect app allows you to see real-time fuel prices and offers directions to stations.

Best fuel card alternatives to WEX Fleet Card

If you need…

Flexible payment with balances: Choose WEX FlexCard, which allows carrying a balance (reportedly for the same $4 per card monthly price point).
Reliable truck stop rebates: Choose Edenred Essentials, which has near-universal VISA acceptance and rebates on fuel, including truck stops (with no surcharges). WEX rebates are not eligible for purchases at Tier 1 Truck Stop locations (currently Flying J, Loves, Petro, Travel Center of America, and Pilot), although you’ll still get out-of-network 1¢ to 3¢ rebates there.
For simpler, high-volume fuel rebates with lower card fees: Choose ExxonMobil BusinessPro Universal, which offers up to 6¢/gal rebates, 95% acceptance, and a $2 monthly card fee (though fuel-only).

You'll get between $0.01 and $0.03 rebate per gallon with the WEX Fleet Card. Source: Matt Reed/Expert Market via WEX website

4. Edenred Essentials – Best for Expense Management

Edenred Essentials is a Visa-backed fleet card that doubles as a broad expense tool, covering fuel, tolls, parking, maintenance, and more wherever Visa is accepted. Its per-gallon rebates are lower (around 1¢ to 4¢), and it carries a $3 monthly card fee plus other charges, but in return, you get near-universal acceptance and detailed reporting that can centralize almost all vehicle spend on a single card.

Edenred Essentials

Savings Rebates of 2.5¢ per gallon

Compare quotes

Strengths

Widespread acceptance backed by Visa, usable anywhere card payments are accepted

Comprehensive vehicle expense management, covering fuel, maintenance, tolls, parking, and more

Extensive reporting features with color-coded dashboards for easy tracking of expenses on desktop and mobile

Weaknesses

Monthly and additional fees, including a $3 monthly card fee, $50 late fee, and 3% foreign transaction fee

Lower rebate rates (1¢ to 4¢ per gallon), especially for businesses with smaller fuel purchases

Higher fees compared to competitors, such as the ExxonMobil BusinessPro Card

The Basics


Card Type	Credit
Rebate Rewards	2.5¢ per gallon rebate (roughly)
Accepted Fuel Type	Gasoline, diesel and electric
Minimum Spend	N/A
Network Coverage	Accepted Anywhere that Accepts VISA
Truckstop Coverage	Yes
Non-fuel Purchases	Toll fees, engine lubricants, vehicle maintenance, parking and cleaning fees
Additional Perks	Costco Membership

What are the benefits and downsides of the Edenred Essentials Card?

Card name	Key benefits	Potential downsides
Edenred Essentials	Visa-backed acceptance almost anywhere card payments are taken Covers fuel, tolls, parking, maintenance, and cleaning on one card Detailed, color-coded dashboards and reports for expense tracking Useful for mixed fleets that regularly buy non-fuel items on the road	Lower fuel rebates (around 1¢-4¢/gal) than Shell, ExxonMobil, or WEX Fleet $3 monthly fee per card, plus late, foreign transaction, and paper invoice fees Higher overall fee structure than some station-branded cards Less appealing if your main goal is to maximize fuel-only discounts

How does the Edenred Essentials Card compare to other fuel cards?

Edenred Essentials is best seen as an all-round vehicle expense card rather than a pure fuel discount play. Backed by Visa, it’s accepted almost anywhere card payments are taken and can cover fuel, tolls, parking, and maintenance on a single card.

Its rebates are lower than Shell, ExxonMobil, or WEX Fleet (around 1¢ to 4¢ per gallon), and it carries a $3 monthly fee per card, but the trade-off is broad acceptance and detailed reporting for fleets that value control and convenience over maximum per-gallon savings.

What the Edenred Essentials Card does best

Comprehensive expense coverage: Consolidates fuel, tolls, parking, cleaning, and maintenance into one card and one reporting dashboard.
Near-universal acceptance: Works anywhere Visa is accepted, making it ideal for drivers who cross multiple regions and can’t rely on a single fuel brand.
User-friendly tracking: Color-coded dashboards, spend controls, and detailed reports help tighten policy enforcement and spot unnecessary spend quickly.

Best fuel card alternatives to Edenred Essentials Card

If you need…

Higher gas-only rebates: Choose Shell or ExxonMobil, both capable of offering up to 6¢ if you purchase enough volume.
Zero monthly fees: Choose Shell, which offers strong tiered rebates without a flat monthly fee (though fuel-only and Shell-network bound).
Ongoing 3¢ plus extras: Choose the WEX Fleet Card, if you prefer a strong fuel discount program plus WEX EDGE benefits (though its monthly fee is slightly higher at up to $4).

edenred essentials rebate rates listed on page

Edenred Essential rebate rates vary more than other providers on this page. Source: Matt Reed/Expert Market via Edenred website

5. ExxonMobil BusinessPro Universal Card – Best Value Rebates

ExxonMobil BusinessPro Universal focuses on high fuel savings at a relatively low ongoing cost. For a $2 monthly fee per card, you can earn up to 6¢ per gallon in rebates and still refuel at around 95% of US gas stations, not just Exxon and Mobil sites. It’s fuel-only and comes with a steep $75 late payment fee, but for fleets that reliably hit higher gallon thresholds, its rebate-to-fee ratio is one of the strongest on this list.

ExxonMobil BusinessPro Card

Savings Rebates of up to 6¢ per gallon

Compare quotes ExxonMobil Review

Strengths

Fuel rebates ranging from 1¢ to 6¢ per gallon, with higher rebates than Shell for certain fuel volumes

ExxonMobil Rewards+ program offers points on fuel and in-store purchases, adding extra value

Insight into fuel efficiency via tacograph data and fuel spending data

Weaknesses

Hefty penalties for late payments, with a $75 fee

Fuel-only usage, restricting the card to fuel purchases and not other expenses like tolls or maintenance

Modest rewards program, with 100 points equal to $1 and a relatively small discount on in-store items

The Basics


Card Type	Credit
Rebate Rewards	Up to 6¢ per gallon
Accepted Fuel Type	Gasoline and diesel
Minimum Spend	N/A
Network Coverage	95% of US gas stations
Truckstop Coverage	Yes
Non-fuel Purchases	N/A
Additional Perks	Exxon Mobil Rewards+ Points

What are the benefits and downsides of the ExxonMobil BusinessPro Universal Card?

Card name	Key benefits	Potential downsides
ExxonMobil BusinessPro Universal	Fuel rebates of 1¢-6¢/gal, with top rates for 10,000+ gallons per month Accepted at roughly 95% of US gas stations, not just Exxon and Mobil $2 monthly fee per card, lower than Edenred and both WEX cards ExxonMobil Rewards+ points add a modest extra benefit on purchases	Hefty $75 late payment fee, plus other charges like truck-stop fees Fuel-only usage; can’t be used for tolls, parking, or wider expenses Volume-based rebates mean smaller fleets may not reach top rates Rewards+ program offers relatively modest in-store savings

How does the ExxonMobil BusinessPro Universal Card compare to other fuel cards?

ExxonMobil BusinessPro Universal is built for fleets that want strong fuel rebates and broad station coverage at a relatively low monthly fee. You can earn up to 6¢ per gallon once you exceed 10,000 gallons in a 30-day cycle, while still being able to refuel at about 95% of US gas stations.

Its $2 per-card monthly fee is cheaper than both WEX cards and Edenred, but it’s fuel-only and carries a steep $75 late payment fee, so it suits disciplined, higher-volume fleets focused on maximizing fuel savings rather than bundling in other expenses.

What the ExxonMobil BusinessPro Universal Card does best

Strong rebate-to-fee ratio: Up to 6¢ per gallon rebates with a $2 monthly card fee gives strong value for fleets that can hit higher volume bands.
Widespread acceptance: Usable at around 95% of US gas stations, so drivers aren’t tied to a single brand or network.
Extra points via Rewards+: ExxonMobil Rewards+ adds small but useful extra value on both fuel and in-store purchases.

business pro card rates: Monthly Gallons at Exxon and Mobil Rebate Per Gallon† 1-500 1¢ 500-3,999 3¢ 4,000-6,999 4¢ 7,000-9,999 5¢ 10,000+ 6¢

ExxonMobil's BusinessPro Card offers the best rebate rates for small businesses. Source: Matt Reed/Expert Market via ExxonMobil website

Best fuel card alternatives to ExxonMobil BusinessPro Universal Card

If you need…

No monthly fees: Choose Shell, which charges zero for card maintenance (but has coverage limitations).
Broad expense management (fuel, tolls, parking, etc.): Choose Edenred Essentials, which can also handle tolls, parking, and maintenance on one Visa-backed card.
Carrying a balance: Choose WEX FlexCard, which lets you roll over balances (though it’s $4 monthly).
For maximum potential per-gallon savings: Choose WEX Fleet Card, which can reach up to 15¢/gal at WEX EDGE network stations if your routes align.

exxonmobil gas station locator map on google maps

Exxon Mobil's gas station locator is pretty easy to use, although it took longer to load than Chevron and Texaco's equivalent, but you won't need to use it with the Universal version of the BusinessPro card since it is accepted almost everywhere - Source: ExxonMobil

How To Choose A Fuel Card for Your Small Business

Fuel 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 money and give you better control over your business. The best fuel cards for small businesses also grant employees greater financial security through rewards schemes and extra discounts on non-fuel items.

Below, we look at some of the benefits you can expect when you invest in a fuel card.

Save on gas and diesel with per-gallon rebates

Fuel cards reward small businesses with discounts on fuel and related products at participating stations. The more you use the card, the more those savings add up over time.

Get per-gallon rebates on fuel, oil, and lubricants at in-network stations
Some cards reward every gallon or every dollar spent, turning regular fill-ups into cashback or credits
Heavy users can effectively “earn back” part of their fuel bill, sometimes even enough for free fuel later on

Check out our guide to the best fuel cards with discounts for more.

Use a fuel card to cut fraud and receipt-chasing

Paying for fuel with corporate cards or cash-and-receipts creates extra admin and more room for error or misuse. Fuel cards give you a cleaner, more controlled way to manage spend.

Reduce cash handling on the road, lowering the risk of theft or lost funds
Replace manual receipt collection and reimbursement with automated transaction records
Make it easier to spot unusual activity, helping protect against fraud and potential legal issues
Cut down on back-office time spent chasing receipts and checking expense claims

Set spend, time, and location limits to stay in control

Without controls, drivers might choose pricier stations or premium fuel grades they don’t actually need, pushing up your costs. Fuel cards let you rein that in.

Set limits on how much can be spent per day, week, or month
Restrict purchases to approved stations, by network or region
Control what can be bought (for example, fuel only vs. fuel plus certain shop items)
Use regular transaction reports to monitor patterns and quickly spot spend that’s outside policy

How Much Does a Fuel Card Cost For Small Businesses?

Fuel cards for small businesses can vary in price based on providers, with some requiring an annual fee and a card fee.

Usually, you can expect to pay between $2-$4 per card, per month plus a set-up fee of around $40. Additional charges can apply, such as late payment fees ($30-$90), interest on overdue payments, and returned payment fees (around $40-$50). Some fuel cards have an annual membership fee, under which you can have multiple drivers. Whereas some charge you per card or driver. It may be worth doing the calculations to see which sort of plan suits you best, depending on your business size.

Can You Get A Fuel Card With a Low Credit Rating?

Fuel cards that act in the same way as credit cards and carry a monthly balance usually require a certain credit rating (at least 580- 680). If you have a lower credit rating or none at all, all is not lost. You may be approved for the Shell Business Card, which does consider those with lower ratings. A secured fuel card is also an option, these require a cash deposit that acts as a credit limit and are a great way to build credit via on-time payments. Read our fuel cards with no credit check page for more details and fuel card options.

You may also be able to get a fuel card via your bank or credit union, rather than a major fuel card issuer. They might be more likely to approve you. Another trick may be to sign up with a co-signer with a better credit score to boost your chances of acceptance. Alternatively, you can consider a prepaid fuel card to avoid the headache of credit ratings altogether.

Integrate Your Fuel Card With Fleet Software for Real-Time Fuel Insight

Integrating fuel cards with fleet management software can provide a more comprehensive view of fuel usage, expenses, and driver behavior.

You’ll not only have eyes on where company vehicles are going, their maintenance schedules, and more but also have details of how much fuel each vehicle is spending. Typically, by integrating your fuel card with fleet management software like Verizon Connect, you’ll be able to:

Automate data collection: Fuel transactions are automatically recorded, reducing manual entry errors and administrative workload.
Real-time monitoring: Managers can monitor fuel consumption in real-time, identifying inefficiencies or unauthorized usage promptly. Combining this with vehicle tracking tools for unnecessary idling you’ll get a clear picture of where fuel might be being wasted.
Enhanced reporting: There are typically even more detailed reports on fuel usage and expenses to facilitate informed decision-making and strategic planning.

How We Rank Fuel Cards for Small Businesses

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 tools, 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 and network coverage, plus the card's potential to pay for items and services other than gas.

Verdict

The WEX FlexCard is the best overall fuel card for small businesses. Combining a wide network with decently high and crucially fixed fuel rebates, it’s a great starting point for any small business looking to make savings without too much investment.

That being said, it doesn’t provide many additional perks and you can’t pay for parking or tolls. The Edenred Essentials card is a great alternative if you’re looking for a complete business card that will allow you to pay for business expenses beyond gas.

But bear in mind there are lots of fees with this option and the rebates are less generous. In other words, only choose Edenred Essentials if the convenience of superior data crunching is worth the price tag.

If it’s purely a numbers game, and you spend large amounts on fuel each month, you could do far worse than go for the ExxonMobil Business Pro card. It has some of the highest rebate rates around, for a fairly small monthly fee.

To understand your exact business needs, we recommend using our free comparison tool. Answer a few questions and we’ll match you with the fuel card providers that best meet your needs. They’ll then be in touch with tailored, obligation-free quotes so you can compare and save.