The 5 Best Fuel Cards for Your Business in the UK

Person buying fuel with fuel card

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The Esso Card from Wex Europe is the best overall fuel card for UK businesses. With this card, you’ll be able to access great savings on fuel, while earning Nectar or Tesco Clubcard points. All for just £4 a month, unless you’re in the emergency services or armed forces, then it’s totally free.

Based on our research and more than 10 years of experience in the market, we’ve prepared a ranking with our five top business fuel cards in the UK, so you can find one to call your own.

With rising fuel costs and economic stagnation besetting the UK, business fuel cards provide crucial savings, which can help keep your business running. On this page, we review the best ones we analysed, including pricing information, pros, and cons.

If you feel like cutting to the chase, you can use our free quote-finding tool to quickly receive custom prices from the providers most suited to your business needs. However, if you’d like to know more the five providers we picked, just head to our list below.

What are the Best Fuel Cards?

These are the providers we recommend based on our research. Use our comparison tool to find the best service for your business.

  1. Esso Card – Best overall
  2. Allstar One – Best for wide network coverage
  3. BP List – Best for smaller fleets
  4. The Fuel Store Card – Best for fraud protection
  5. DCI One – Best for Irish fleets
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Card fees

£4 per month/£48 per year

Card fees
  • Monthly fee not available
  • Transaction fee of up to £3 per transaction
  • Underused account fee of up to £9.99 per month
Card fees

£1 per card, per month

Card fees

£15 per year

Card fees

£18 per card per year

Fee structure

Fuel rates on a fixed weekly tariff

Fee structure

Dependent on business needs and eligibility, available plans include:

  • Fixed weekly fuel tariff
  • Pay only the pump rate
  • Set discount on each purchase
Fee structure

Fuel rates on a fixed weekly tariff

Fee structure

Fuel rates on a fixed weekly tariff

Fee structure

Fixed weekly tariff

Number of locations

3,600 stations

Number of locations


Number of locations

3,400+ stations

Number of locations

3,500+ stations

Number of locations

1,750 stations


Nectar and Tesco Clubcard points




Collect BPme Rewards Points


Collect Tesco Clubcard points, Nectar points, and Esso points



1. Esso Card: Best overall fuel card for UK businesses

wex fleet card review
Esso Card
Pricing £4 p/m or £48 p/a
Quick overview

Issued by WEX Europe, the Esso Card is our top recommendation for business fuel cards in the UK.


No minimum spend or surcharges if unused

Personal account manager for smooth onboarding

Station locator

Free for emergency services and armed forces


Not a comprehensive business card, only valid for fuel and engine lubricants

No fraud protection

Esso Card Review

The Esso Card from WEX European Services is a well-rounded fuel card package. As well as offering savings on fuel, you can also earn Nectar points and Tesco Clubcard points when filling up at certain forecourts. This is a helpful incentive for your drivers to use the card, as they can also benefit from extra savings when shopping for essentials.

Its coverage is sure to never leave you out in the cold with a total of 3,600 stations UK-wide, including 2,380 24h sites, 1,170 truck sites as well as great motorway coverage too. They also provide a station locator feature, which is absolutely essential while on the road to ensure your drivers can quickly and easily identify their nearest site.

It doesn’t offer as much range with regard to charging other vehicle-related expenses, as demonstrated by Allstar. With the Esso Card, you’ll be able to purchase fuel and motor oil, but unfortunately, cleaning, parking and toll fees will need to be charged to another business card. This can in the long run, make expense management a little more complicated.

Esso Card Pricing

The Esso Card is slightly more pricey than the other cards on our list at £4 per month or £48 per year, how you choose to pay is up to you. Fortunately, there is no minimum spend here, as imposed by The Fuel Store or DCI. That being said, you can also avoid minimum spend limits with the BP List card, which is priced at only £1 per month.

A notable bonus with the Esso Card is that it’s completely free to Blue Light Card and Defence Discount card holders, so those who work in the emergency services or in the armed forces.

While it covers some major fuel brands, if you do need to fill up at another station, there will be an additional charge. As with the other cards on the list, it works on a fixed weekly tariff pricing structure, which allows you to better forecast your fuel expenditure.

Did You Know?

As of 21st May 2023, average fuel prices in the UK are 143.97p for petrol and 150.8p for diesel, according to the RAC. The peak was in July 2022 with a record high of the price of petrol hitting 191.53p-per-litre and diesel reaching 199.05p. While this suggests the fuel cost inflation is easing, it shows it’s still ongoing and remains a factor that could impact your business’ revenue.

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2. Allstar One: Best for Wide Network Coverage

Allstar Logo
Allstar One
Pricing Not available
Quick overview

The Allstar One gives you access to over 7,700 fuel sites – or, in other words, 90% of stations in the UK (including all major oil brands and supermarket sites).


Valid to use for many vehicle-related expenses beyond fuel

Up to 10p discount on diesel at 1,600 stations

24/7 account management


Charges a transaction fee of up to £2.75

Not suitable for international fleets due to UK-centric locations

Lots of different costs and charges involved, compared to competitors

Allstar One Review

The Allstar One card is our top recommendation for wide network coverage. Boasting the UK’s largest fuel station network with a whopping 7,700 sites covering 90% of the country, Allstar is the clear winner in this department. Your drivers can consult Allstar’s Co-Pilot app which identifies the closest station while on the go.

They don’t offer points or discounts as seen with the Esso Card or BP List, but they do offer a pay-as-you-go subscription to AA breakdown and fuel assist protection, which provides roadside help in the case of misfuelling or other hiccups.

Allstar also allows you to charge other vehicle-related expenses to the card, beyond just fuel. You’ll be able to pay for M6 toll fees, engine lubricants, maintenance, parking and cleaning fees too.

Allstar Online is the name of their online platform which allows you to see live intel regarding your fuel expenditure in the form of tables and interactive dashboards. Plus, it’s all collated in an HMRC-compliant invoice at the end of the month.

Allstar One Pricing

Allstar does not publicly display its full pricing plan online, so we can’t give a complete picture of where it ranks among the other cards.

What we do know is that you can choose to pay monthly or annually. By reading their terms and conditions we learned that they also charge a network service fee of up to £3 on all card transactions, which could add up in the long run. It also imposes an ‘Underused Account Fee’ of £9.99 per card, per month but no specific figure is given for the amount of fuel you’ll need to buy to avoid this.

Since Allstar provides a bespoke plan based on your individual needs and eligibility concerning how you earn rebates, it’s best to contact them directly to see how this may look for your business.

Driver putting fuel into their car
A fuel card could save your business thousands of pounds a year

3. BP List: Best Low-Cost Fuel Card

BP Logo
BP List
Pricing £1 per month
Quick overview

The BP List card from The Right Fuel Card Company is the cheapest card in our list and has zero minimum spend limits, making it an ideal match for smaller fleets.


No minimum spend

Great rewards scheme

Lowest monthly fees


Type of fuel purchased cannot be restricted, which can lead to potential misuse or unauthorised purchases

No measure of fuel efficiency

BP List Review

The BP List card is one of many cards offered by the independent broker, The Right Fuel Card Company. It is valid at over 3,400 stations UK-wide including 1,200 BP sites and has great motorway coverage. It’s also accepted at third-party stations including Esso, Texaco and Gulf, but there will be a surcharge when visiting non-BP sites.

Other than fuel, it can be used for more extra vehicle expenses than the Esso Card and The Fuel Store Card but not quite as many as Allstar One. The BP List card is valid for toll fees and engine oil as well. As with the other cards in the list, this card also provides HMRC-approved invoices each week, so there’s no need to hold onto receipts for claiming VAT.

To top it off, this card gives access to the BPme Rewards program, which includes a range of features. You’ll earn points while you spend that you can redeem on fuel or on store purchases like food and drink. You’ll also be able to earn rewards, such as M&S or Amazon vouchers and you can also convert BPme points into Avios to save on flights.

BP List Pricing

At just £1 per month, this is the cheapest card in our shortlist of the best fuel cards for UK businesses. For this price, you’ll receive fixed weekly tariffs which removes the uncertainty around your fuel spending.

There is also no minimum spend or charges in the case of under-use, which are imposed by Allstar, DCI and The Fuel Store, which makes it a great option for smaller fleets with lower fuel consumption.

Did You Know?

The type of fuel your vehicles use has a big impact on the number of times your drivers need to fill up – and the amount you spend on it. The average UK car gets 36 MPG (miles per gallon) on a tank of petrol, while diesel is more efficient – with the average diesel car able to go 43 MPG. The toss up is that diesel is more expensive than petrol.

If you really want to boost your fuel efficiency, consider using cars that run on hybrid gasoline (59 MPG) or, of course, electricity (132 MPGe!). If it makes sense for your business to run on motorbikes – for example, if you provide a food delivery service, or courier small items – you’re onto a winner, with the average motorbike travelling 56.7 MPG.

4. The Fuel Store Card: Best for Fraud Protection

Fuel Store Logo
The Fuel Store Card
Pricing £15 per year
Quick overview

The Fuel Store Card has the most complete security measures of all of the cards we analysed and is the only option that offers fraud protection (for an additional £1.50) per month.


No transaction fees

The only card with carbon emissions data

14 days of free credit


Its range of features is more limited compared to bigger brands

You'll need to buy more than 300 litres of fuel a month to avoid a fee

The Fuel Store Card Review

With 3,500+ stations nationwide, The Fuel Store has a wide network of stations at which you’ll be able to fill up. While it’s pretty extensive, including brands such as BP, Shell, Texaco, Esso, Jet and Certas, it does fall second place to Allstar’s mammoth 7,700-strong network.

As with the Esso Card, you can also collect Tesco Clubcard Points and Nectar Points when using The Fuel Store Card. This means you and your drivers can also score extra savings on supermarket shopping.

Some of the other cards in our list, such as Allstar One, also offer a more comprehensive package in terms of being valid for other vehicle-related expenses. With The Fuel Store Card, you’ll be able to pay for fuel, oil, AdBlue and other lubricants but not parking, cleaning or toll fees or vehicle maintenance.

In terms of reporting, The Fuel Store Card grants you the ability to view both table format reports as well as interactive dashboards, to get full visibility of your fuel expenses. As is the case with the other cards in our list, you’ll also receive HMRC-compliant invoices to make VAT returns a breeze.

The Fuel Store Card Pricing

The second most affordable card in our list, second to BP List, The Fuel Store Card will set you back £15 per year.

One thing to note, however, is if you sign up for a business account, you’ll need to surpass 300L per month otherwise your fee can be hiked up to £10 per month. While that’s a relatively low threshold to hit, this card is best suited to those who know for sure that they will consistently use the card.

For £15 per year, you’ll be able to purchase fuel at a fair, fixed weekly price in line with the market rate.

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5. DCI One: Best for Irish Fleets

DCI logo
Pricing £18 per year
Quick overview

DCI One, issued by Diesel Card Ireland, is our top recommendation for Irish fleets as it has an unparalleled 100% network coverage within Ireland.


Handy online portal for reporting and oversight of fuel consumption

Great customer service availability

Ireland-based company

Covers independent stations as well as big brands


No loyalty scheme or extra perks

Not suitable for cross-country fleets

No carbon emissions data

DCI One Review

The main USP for DCI One and the other offerings from Diesel Card Ireland is that it boasts the widest network of Irish fuel sites so should be the go-to choice for businesses which largely, or even exclusively, operate there. DCI has 100% coverage of Ireland, made up of 1,719 sites, including HGV and 24h locations.

Their Velocity online portal makes reporting easier by grouping transactions by driver, location and vehicle. Like the other card providers, DCI sends weekly or fortnightly VAT invoices.

In terms of perks like loyalty schemes or discounts on hotels or food purchases, this card doesn’t provide anything extra. It allows you to purchase engine lubricants and pay for parking, so you can at least keep those expenses on the same account.

DCI One Pricing

At £18 per year, it falls right in the middle of our rankings when it comes to price. Just like the other cards in the list, when paying for fuel with a DCI One card, you’ll pay a fixed weekly rate. This means the guesswork is taken out of buying fuel and you’ll be able to better forecast your outgoings ahead of time.

This is another card that’s best for consistent users, as there is a £2 monthly charge if the card is not used, per card not used.

Our Methodology: How Did We Do Our Research?

At Expert Market, we aim to provide you with the most accurate, up-to-date, and transparent information possible. To help you better understand the cheapest fuel cards on the market, we’ve conducted in-depth, extensive research into 17 fuel cards, presenting you with the best five.

For this article, we first looked at all the card essentials you need to know when making your choice.

We then considered the most important questions for this particular article and then answered each one.

  • Which card has the cheapest monthly fee?
  • Are there extra fees?
  • Which card has the biggest network?
  • What security measures are on offer?
  • Can you buy other vehicle-related items with the card?
  • What extra perks are offered to drive savings in the bigger picture?

We then used these points to clarify the pros and cons of each card, helping you make an informed decision.

Next steps

Ultimately, we decided that the best overall fuel card on the market right now for UK businesses was the Esso Card from WEX. It grants you peace of mind regarding fuel rates with fixed weekly tariffs, while also allowing you to earn extra Nectar and Tesco Clubcard points. While it’s a little pricier at £4 per month, if you’re in the emergency services or armed voices, it’s completely free.

However, no card is perfect. While it takes the top spot, the Esso Card doesn’t have as large a network as Allstar, nor can you charge quite as many other vehicle expenses to it. The fuel card you decide on will reflect the size, specifics, and ultimately, the goals of your business. The best fuel card providers can help you save precious money and reduce the chance of human error by automating your fleet reporting.

To find the fuel card best suited to your individual needs, it’s worth filling out our free form. You’ll be matched with the fuel card provider that is your best match, they’ll then be able to give you bespoke, zero-obligation quotes for you to evaluate.

Frequently Asked Questions

What is a fuel card?
A fuel card is a type of payment card that can only be used to purchase fuel and other vehicle-related goods. Most are like credit cards, with the balance spent paid out by you each month, while others can be prepaid, like gift cards. Petrol, diesel, electric charging and – if you allow it – screenwash, engine oil, and more can be bought using a fuel card.
How do fuel cards work?
Fuel cards offer discounted rates on the advertised pump price. You can assign them to specific vehicles or employees and cap spending to manage your outgoings more effectively.

An online management tool shows you exactly who bought what, and where. Chasing drivers for receipts becomes a thing of the past: a fuel card is paid off at the end of the month, and invoices are HMRC VAT approved.

Why should I get a fuel card?
A fuel card takes the stress out of vehicle and driver management and is a great way to save time and money. They entail way less paperwork, automating processes and considerably reducing the chance of human error. A fuel card could also save you as much as 10p on every litre of fuel, which can prove crucial in a scenario of rising costs.
How do I get a fuel card?
The easiest way to find the right fuel card for your business is to use our free quote-finding service. Simply answer a few questions about your fleet, and we’ll match you up with the best fuel card suppliers for your needs. They’ll then be in touch directly with free, no-obligation quotes, and answers to your burning questions.

When you’ve found the right fuel card program for you, it’s as simple as filling out an online application form with your company details.

Where are fuel cards accepted?
This depends on the size of the network offered by your chosen fuel provider. Some only allow you to pay for fuel at a particular set of stations, while others can be accepted at almost every station in the UK. Some can be used at supermarket forecourts (where some of the most competitive rates can be found), while others can be used at supermarkets and dedicated fuel and maintenance stations.

While using a fuel card may limit your drivers in terms of where they can top up, fuel cards offer cheaper rates than more traditional payment methods. Most fuel card providers offer tools for locating the service station closest to you.

What is the best business fuel card?
It all depends on your business needs. For emergency services and armed forces, the Esso Card is totally free. For larger businesses, we recommend Allstar One as the fuel card can be used at almost 90% of all UK fuel sites. If you’re running a smaller operation, the BP List card is an excellent choice to avoid minimum spend limits.
What are the disadvantages of using a fuel card?
Many fuel cards are not universally-accepted, so your drivers may have a more difficult time finding somewhere to fill up compared with when using a regular card.
Written by:
Lucas Pistilli author headshot photo
Lucas is a Brazilian-born journalist and Expert Market’s go-to writer for all things EPOS systems, merchant accounts, and franking machines. Having covered business, politics and technology for many years, he’s driven by his passion for the written word and his goal to help people make well-informed decisions.
Reviewed by:
Maïté Bouhali
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.