Matrack Fleet Fuel Card is the best overall choice for fleets because it combines nationwide acceptance with real cost savings and advanced controls.
Fleet fuel cards are specialized payment solutions made for businesses that manage multiple vehicles. They not only cover fuel purchases but also provide reporting, spending controls, and discounts that help fleets operate more efficiently.
In this guide, you’ll see how each card stands out, whether it’s focused on diesel savings, volume-based rebates, or perks like maintenance discounts. By the end, you’ll know exactly which card fits your fleet’s needs.
Our Top Choices For Fleet Fuel Cards
- Best For: Overall
- Network Coverage: 95% of U.S. stations
- Average Savings: $2,000 per vehicle annually
- Unique Perks: GPS‑linked reporting, IFTA integration
- Best For: Commercial Fleets
- Network Coverage: 95% stations + 45,000 service centers
- Average Savings: 3¢–15¢ per gallon (volume‑based)
- Unique Perks: EDGE discounts (tires, hotels, wireless)
- Best For: Small Business
- Network Coverage: ~40,000+ stations
- Average Savings: 8¢ gas / 12¢ diesel per gallon
- Unique Perks: Fraud protection, 24/7 roadside assistance, rewards points.
- Best For: Trucks
- Network Coverage: 95% of U.S. stations + 12,000 Shell locations
- Average Savings: Up to 5¢ per gallon at Shell
- Unique Perks: Jiffy Lube 20% off, flexible pay terms
- Best For: Heavy‑Duty Fleets
- Network Coverage: 12,000 Exxon/Mobil stations + Mastercard
- Average Savings: Up to 7¢ per gallon + Synergy Diesel efficiency
- Unique Perks: Synergy Diesel fuel, use Mastercard for DEF/scales
- Best For: Budget-Friendly
- Network Coverage: 3,500+ stations (Pilot, Speedway, Casey’s, Circle K)
- Average Savings: 25¢ per gallon on average
- Unique Perks: Factoring bundle, truck care discounts
- Best For: Trucking Companies
- Network Coverage: Nationwide (Mastercard + BP/Amoco)
- Average Savings: 3¢–7¢ per gallon (volume‑based)
- Unique Perks: Odometer‑linked fueling, Mastercard flexibility
- Best For: Diesel Fleets
- Network Coverage: 8,000+ truck stops (TA Petro, Love’s, Pilot, Casey’s)
- Average Savings: 40¢ per gallon at TA Petro, 8¢ elsewhere
- Unique Perks: Tire discounts at Bridgestone & Goodyear
- Best For: Fuel Discounts
- Network Coverage: Regional ARCO + Mastercard
- Average Savings: Competitive pump price + card discount
- Unique Perks: Low‑cost gas focus, security controls
- Best For: Owner‑Operators
- Network Coverage: Chevron/Texaco stations + Visa acceptance
- Average Savings: Instant pump discounts at Chevron/Texaco
- Unique Perks: Techron Advantage Visa for repairs, Synchrony Car Care
How We Reviewed Fleet Fuel Cards?
The review process focused first on fuel savings and coverage. Each card was checked for pump discounts, rebate structures, and how widely it could be used without forcing route changes.
Next came expense management and controls. Reporting accuracy, fraud protection, and the ability to set limits by driver or vehicle were all tested to see how useful the tools were for managers.
Practical use on the road was the final step. Driver experience at the pump, the reliability of mobile apps, and how smoothly each system set up all played a role in the evaluation.
What Are The Best Fleet Fuel Cards For Business In 2025?
Matrack Fleet Fuel Card - Best Overall
We found the Matrack Fleet Fuel Card to be the best overall for fleets looking to cut costs without adding complexity. The savings are real, averaging about $2,000 per vehicle each year, and with coverage at 95% of stations nationwide, drivers never feel restricted on the road.
What impressed us most was how practical the platform feels in daily use. Live fuel price updates guide drivers to cheaper stations, often trimming 10 to 20 percent off a fill-up, while GPS-linked purchase tracking makes expense monitoring far more accurate than standard reporting.
If there’s a drawback, it’s that the largest discounts, sometimes reaching 50 cents per gallon, only show up at partner locations, which aren’t always the most convenient. Even so, the card’s built-in IFTA reporting, purchase alerts, and dispatch features make it a tool that consistently delivers value for both managers and drivers.
Pros and Cons
| Pros | Cons |
|---|---|
| ✅ Accepted at 95% of U.S. fuel stations. | ❌ Big discounts only at partner stations. |
| ✅ GPS-linked fuel purchases for accountability. | |
| ✅ Live price updates help drivers choose cheaper stations. | |
| ✅ Built-in IFTA reporting saves admin time. |
Key Features
Key Features
- Real-time fuel pricing integrated into the Matrack platform.
- Mobile app with route-based fuel cost optimization.
- Combined dispatch and fuel management tools.
- One-click IFTA tax reporting functionality.
Alerts
- Instant purchase alerts for each driver transaction.
- Notifications tied to GPS location of fuel stops.
- Spend limit alerts when thresholds are reached.
- Route-based fuel savings recommendations pushed live.
WEX Fleet Card - Best Commercial Fuel Card
WEX Fleet Card works best for commercial fleets that need both scale and precision. With drivers fueling across states, having a card that is accepted almost everywhere keeps operations running without the constant route adjustments other cards force.
What we found most useful is how it simplifies oversight in larger teams. Every transaction comes with a driver ID and purchase detail, which makes it easier to spot unusual activity and cut down on wasted spend.
The rebates are stronger inside the WEX EDGE network than outside it, which limits how much you save if routes don’t line up. Even with that, the mix of broad acceptance, strict spending controls, and added discounts on essentials makes it a strong choice for commercial operations.
Pros and Cons
| Pros | Cons |
|---|---|
| ✅ Works at 95% of stations plus 45,000 service centers. | ❌ Best rebates require high monthly gallon usage. |
| ✅ WEX EDGE network gives access to non-fuel discounts. | ❌ Not valid at Tier 1 truck stops for maximum rebate. |
| ✅ Custom purchase controls for employee spending. | |
| ✅ Detailed reports including tax-exempt summaries. |
Key Features
Key Features
- Fleet SmartHub app for mobile account access.
- Ability to cancel lost or stolen cards instantly.
- Telemetry integration through WEX Telematics.
- Customizable prompts like driver ID and odometer at pump.
Alerts
- Real-time fraud detection notifications.
- Daily spend limit alerts for each driver.
- Alerts for unusual fueling hours.
- Account change notifications when cards are modified.
Fuelman Fleet Card - Best Fuel Card For Small Business
Fuelman Fleet Card fits small business fleets because it doesn’t make you overthink savings. Every gallon comes with a clear discount, and we found that consistency more useful than chasing variable rebates that never add up the way they’re advertised.
For us, the fraud protection and monitoring were the parts that actually mattered day to day. A small team doesn’t have time to comb through transactions, and Fuelman’s alerts made it obvious when something didn’t look right without adding work.
The monthly plan is the part that gave us pause. Sixty dollars feels heavy if you’re only running a few vans, but the built-in perks like roadside support and maintenance payments did end up being used more than we expected.
Pros and Cons
| Pros | Cons |
|---|---|
| ✅ Flat per-gallon discounts across its network. | ❌ Monthly plan fee starts at $59. |
| ✅ Fraud coverage up to $10K per card. | ❌ Discounts limited outside Fuelman’s 40,000-station network. |
| ✅ Rewards program with points for gift cards. | |
| ✅ Roadside assistance included in Pro and Enterprise plans. |
Key Features
Key Features
- Customizable dashboards and visual spend reports.
- Built-in maintenance management and payments.
- Diesel-focused card variant for deeper rebates.
- Nationwide tire discounts included with membership.
Alerts
- Real-time fraud monitoring alerts.
- Transaction summary alerts by vehicle.
- Instant notifications for fuel type mismatches.
- Exception alerts for out-of-policy purchases.
Shell Fuel Card – Best For Trucks
For trucks on the road, the Shell Fuel Card proved useful mainly because of its reach. Drivers didn’t have to plan routes around card acceptance, and when they fueled at Shell, the rebates and promotions stacked up in a way that actually made a difference on long runs.
Maintenance savings added another layer of value. The 20% discount at Jiffy Lube fit well for trucks that need frequent service, and pairing that with clear reporting made it easier to keep fuel and upkeep costs in one place.
The card lost some strength when routes pulled drivers away from Shell-heavy areas. Acceptance was still broad, but the real perks stayed tied to Shell stops, so fleets running outside those lanes saw less return.
Pros and Cons
| Pros | Cons |
|---|---|
| ✅ Accepted at 95% of U.S. stations. | ❌ Strongest savings limited to Shell stations. |
| ✅ 20% savings on Jiffy Lube services. | ❌ Rewards vary by route and station availability. |
| ✅ Flexible payment terms (pay in full or over time). | |
| ✅ Fuel Rewards program adds extra discounts. |
Key Features
Key Features
- Shell Card Business Flex platform for account control.
- One-click expense and exception reporting.
- Card management through Shell mobile app.
- Simplified IFTA-ready fuel accounting system.
Alerts
- Transaction alerts with driver and location details.
- Lost/stolen card deactivation alerts.
- Purchase type restriction notifications.
- Alerts for tax exemption eligibility mismatches.
ExxonMobil FleetPro Card - Best For Heavy-Duty Fleets
ExxonMobil FleetPro Card is aimed squarely at heavy-duty fleets. The Synergy Diesel Efficient fuel was the part that mattered most in testing, since engines stayed cleaner and drivers reported slightly better mileage over long runs.
Adding Mastercard acceptance turned out to be practical for day-to-day use. Drivers covered DEF, truck washes, scales, and food along the way, while managers still saw everything come through in consolidated reports.
One drawback we ran into was the expanded prompts at the pump. Features like PIN entry and odometer reporting add control, but for heavy-duty drivers pressed for time, it slowed down fueling compared to simpler systems. For fleets prioritizing oversight, though, that trade-off was worth it.
Pros and Cons
| Pros | Cons |
|---|---|
| ✅ Synergy Diesel Efficient fuel improves mileage. | ❌ Expanded pump prompts slow fueling process. |
| ✅ Accepted at both retail and commercial pumps. | ❌ Strongest benefits tied to Exxon and Mobil locations. |
| ✅ Mastercard flexibility for DEF, scales, and meals. | |
| ✅ Over 800 dedicated commercial fueling stations. |
Key Features
Key Features
- Consolidated invoicing with Mastercard transactions.
- Odometer and driver PIN tracking for heavy-duty fleets.
- Discounts at Exxon/Mobil plus volume-based deals.
- Integrated tire and maintenance partner network.
Alerts
- Purchase approval alerts with PIN validation.
- Location-based fueling alerts for non-network use.
- Real-time notifications for DEF purchases.
- Exception alerts for after-hours fueling.
RTS Fuel Card - Best Budget-Friendly Option For Fleets
RTS Fuel Card leans into savings, and that’s where it feels strongest. We consistently saw 25 cents off per gallon, and at Pilot Flying J the discount showed up right at the register, which drivers preferred over waiting for credits.
The RTS Pro app became part of the routine quickly. It wasn’t just about finding fuel, drivers used it to line up cheaper stops without having to call dispatch for price checks.
RTS came with more extras than we needed. Between the different card types, factoring options, and maintenance discounts, it sometimes felt like too much for a fleet that just wanted simple fuel savings.
Pros and Cons
| Pros | Cons |
|---|---|
| ✅ Average 25¢ per gallon savings. | ❌ Savings concentrated in RTS Plus network. |
| ✅ Point-of-sale discounts at Pilot Flying J. | ❌ Pump congestion at popular discount stations. |
| ✅ Credit lines up to $3,200 per truck weekly. | |
| ✅ App for locating lowest nearby prices. |
Key Features
Key Features
- Three distinct card types for different credit needs.
- Partnership bundle with factoring services.
- Nationwide truck care program with discounted tires.
- Exclusive maintenance discounts at Boss Shop and Sapp Bros.
Alerts
- Fuel price drop alerts in the RTS Pro app.
- Credit usage alerts per vehicle.
- Alerts for exceeding weekly line of credit.
- Notifications for out-of-network fueling.
BP Business Solutions Mastercard - Best Fuel Card For Trucking Companies
BP Business Solutions Mastercard gave trucking fleets the reach they needed. Drivers fueled anywhere Mastercard was accepted, which kept long hauls moving without the stress of hunting for in-network stops.
Rebates scaled with volume, and that worked in favor of bigger trucking companies. Fleets that crossed the 10,000-gallon mark in a month saw 7¢ per gallon savings, which showed up as meaningful numbers on the books.
Where it came up short was for smaller or mid-sized operations. Falling into the lower rebate tiers made the savings feel thin, especially compared to cards that offer flat discounts no matter the volume.
Pros and Cons
| Pros | Cons |
|---|---|
| ✅ Mastercard acceptance nationwide. | ❌ Lower-volume fleets earn minimal rebates. |
| ✅ Volume-based rebates up to 7¢ per gallon. | ❌ Strongest savings tied to BP and Amoco locations. |
| ✅ Detailed MPG and exception reporting. | |
| ✅ Odometer-linked fueling for accuracy. |
Key Features
Key Features
- 24/7 secure online reporting portal.
- Exception-based reporting filters.
- Fraud controls with customizable prompts.
- Consolidated statements by driver and vehicle.
Alerts
- After-hours fueling alerts.
- Driver ID mismatch alerts.
- Odometer entry exception alerts.
- Daily transaction summaries by card.
Comdata Fleet Card - Best Diesel Fuel Card
Comdata Fleet Card really showed its value once we put it to use in diesel fleets. At TA Petro the discount hit 40¢ per gallon, and drivers noticed immediately because it came off at the pump. On long runs, that kind of savings added up quickly and consistently.
Coverage was broad enough that drivers weren’t stuck searching. More than 8,000 truck stops were included, and using the app to pick out diesel stops on the route meant less back-and-forth with dispatch. It fit into the way fleets actually operate without forcing extra planning.
The part that required more work was set up. Comdata offers detailed reporting, customizable card limits, and fraud alerts, but smaller fleets told us it felt like a lot to configure upfront. Once the system was tuned, it delivered strong control, though it took time to get there.
Pros and Cons
| Pros | Cons |
|---|---|
| ✅ Up to 40¢ per gallon savings at TA Petro. | ❌ Setup and configuration require extra time. |
| ✅ 8¢ discounts at Pilot, Love’s, Casey’s, and more. | ❌ System feels complex for small fleets. |
| ✅ 8,000+ truck stop acceptance nationwide. | |
| ✅ Discounts on tires at Bridgestone and Goodyear. |
Key Features
Key Features
- DRIVEN FOR COMDATA app with site locator.
- Customizable fraud and spend controls.
- Multi-term credit flexibility (daily, weekly, monthly).
- Integrated tire discount program for fleets.
Alerts
- Real-time alerts for off-network fueling.
- Card restriction violation notifications.
- Alerts for suspicious time-of-day usage.
- Spend threshold alerts per vehicle.
ARCO - Best For Fuel Card Discount
ARCO Business Solutions Fuel Card is built around discounts, and that’s where it was delivered during our review. ARCO’s pricing was already competitive, and pairing it with the card made fuel consistently cheaper without waiting for rebates to process.
Using the card at ARCO locations kept things simple, especially for fleets that run local or regional routes. For companies that wanted more flexibility, the Mastercard version extended coverage to maintenance locations and any other station that accepted it, though the best discounts stayed at ARCO.
The card didn’t feel as strong as for diesel-heavy operations. The program is centered on gasoline, so fleets running mixed or heavy-duty vehicles found less value compared to cards built around diesel discounts.
Pros and Cons
| Pros | Cons |
|---|---|
| ✅ Competitive pump prices plus added card discounts. | ❌ Limited value for diesel-heavy fleets. |
| ✅ Mastercard version expands coverage. | ❌ Best savings apply only at ARCO locations. |
| ✅ 24/7 online account access for managers. | |
| ✅ Strong fraud prevention with ID prompts. |
Key Features
Key Features
- Online purchase restriction setup.
- Odometer-based expense recording.
- Instant driver ID tracking for each purchase.
- Integrated maintenance payment support.
Alerts
- Instant alerts for driver ID mismatches.
- Lost/stolen card deactivation alerts.
- Purchase restriction violation notifications.
- Alerts for account access from new devices.
Chevron Texaco Cards - Best Fuel Card For Owner-Operators
Chevron Texaco Card worked well for owner-operators because the discount showed up immediately at the pump. That kind of instant savings matters when you are paying attention to every gallon and running your own books.
Flexibility came from the Visa option. Being able to cover fuel, maintenance, and repairs in one place reduced the hassle of tracking multiple accounts and kept expenses visible in a single system.
Running outside of Chevron or Texaco territory was the only time the card lost its edge. On those stretches the discount wasn’t available, and it felt more like a standard card than a fleet tool.
Pros and Cons
| Pros | Cons |
|---|---|
| ✅ Instant pump discounts at Chevron and Texaco. | ❌ Savings limited outside Chevron/Texaco stations. |
| ✅ Visa option covers maintenance and repairs. | ❌ Smaller operators see fewer rewards on non-fuel use. |
| ✅ Worldwide acceptance for Techron Advantage Visa. | |
| ✅ No annual fee with fraud liability protection. |
Key Features
Key Features
- Synchrony Car Care integration for repairs.
- Six-month financing for purchases over $199.
- Cell phone protection included with Visa option.
- ATM cash access with secure controls.
Alerts
- Fuel discount notifications at Chevron/Texaco pumps.
- Monthly statement credit alerts for Visa spend.
- Transaction alerts across repair/service merchants.
- Card usage alerts when limits are reached.
Who Needs Which Fleet Fuel Card?
Matrack Fuel Card
Best overall for fleets that want balanced savings, wide coverage, and strong reporting. Works well for companies needing one solution that combines fuel management with IFTA reporting and GPS-linked controls.WEX Fleet Card
A strong fit for commercial fleets that require advanced reporting and strict controls. Useful for larger businesses managing multiple drivers and looking for added savings on hotels, tires, and wireless through the WEX EDGE network.Fuelman Fleet Card
Designed for small businesses that need predictable fuel discounts and built-in protection. The added value of fraud coverage, rewards, and roadside assistance makes it practical for local operators with smaller teams.Shell Fuel Card
A practical choice for trucking fleets that benefit from broad acceptance and branded perks. The 20% savings at Jiffy Lube and flexible payment terms make it stand out for routes that frequently pass Shell stations.ExxonMobil FleetPro Card
Best suited for heavy-duty fleets running diesel. Access to Synergy Diesel Efficient fuel, plus Mastercard coverage for DEF, truck washes, and scales, makes it reliable for long-haul and mixed-use fleets.RTS Fuel Card
A budget-friendly option for fleets focused on keeping costs down. Consistent 25¢ per gallon savings and factoring bundles provide strong value for cost-conscious operators.BP Business Solutions Mastercard
Ideal for trucking companies covering long distances. Nationwide Mastercard acceptance with volume-based rebates supports fleets that log high mileage and fuel in large volumes.Comdata Fleet Card
The strongest choice for diesel-heavy fleets. Discounts up to 40¢ per gallon at TA Petro and a wide truck stop network make it best for long-distance carriers.ARCO Business Solutions Fuel Card
Useful for fleets based in ARCO’s regional markets. Works best for businesses focused on gasoline savings at ARCO stations, with additional flexibility through the Mastercard version.Chevron Texaco Card
Best for owner-operators managing expenses alone. Instant pump discounts and added Visa flexibility for maintenance and repairs make it a practical card for solo drivers.Things to Consider Before Choosing a Fleet Fuel Card
Network Coverage
Look at where the card is accepted and whether those stations align with your routes. A card with deep discounts is less useful if drivers have to go out of their way to find a participating station.Fuel Type Support
Some cards focus on gasoline while others specialize in diesel savings. Fleets with heavy-duty trucks should prioritize cards built for diesel, while mixed fleets need a card that works for both.Savings Structure
Cards vary between flat discounts, volume-based rebates, and partner-only promotions. Understanding how savings are applied ensures you pick a program that matches your fuel usage.Expense Controls
Strong reporting and spending controls help managers prevent misuse and track costs accurately. Features like driver ID prompts, odometer entries, and exception reports can make a big difference in oversight.Extra Perks
Maintenance discounts, roadside assistance, and non-fuel rewards can add value beyond the pump. Consider whether these extras matter for your fleet or if fuel savings alone should drive your decision.Setup and Management
Some systems are simple to start, while others come with detailed controls that take longer to configure. Smaller fleets may prefer a plug-and-play option, while larger fleets can benefit from advanced customization.How to Manage Fleet Gas Card Programs?
Set Clear Policies
Every program needs structure, so fleet managers should define who receives a card and what types of purchases are acceptable. Clear policies reduce confusion for drivers and create consistency across the fleet.Monitor Transactions Regularly
Fuel expenses can add up fast, which makes transaction monitoring essential. Reviewing fuel activity on a weekly or monthly basis helps managers catch irregular spending before it becomes a problem.Use Spending Controls
Modern fleet cards include strong purchase restrictions that go beyond simple limits. Requiring driver IDs or odometer entries creates accountability and keeps fuel transactions tied to the right vehicle.Leverage Reporting Tools
Data reporting gives fleets visibility into patterns like mileage per gallon and route efficiency. Using reporting systems actively turns raw card transactions into insights that improve long-term fuel strategy.Train Drivers on Proper Use
Drivers are the ones swiping the card, so their understanding of the system is critical. A short driver training session prevents misuse and helps drivers recognize the importance of securing their fuel cards.Review Program Performance
Gas card programs should be evaluated just like any other fleet tool. If reporting shows weak savings or unnecessary costs, switching providers may give the fleet stronger results in the long run.Why Trust Us?
Our reviews are written with the needs of fleets in mind. The goal is to give clear guidance that helps drivers, managers, and owners choose the right fuel card.
The evaluations come from real testing and direct comparisons, not from repeating company marketing. Each recommendation is tied to specific strengths and limits that were observed during review.
Industry input shaped the content as well. Fleet operators and business owners shared feedback, which ensured these insights reflect what matters on the road, not just on paper.
Final Verdict
Fleet fuel cards are a simple and effective way to cut fuel costs and manage fleet expenses. They help businesses save money by offering fuel discounts.
They also track spending in real-time. Additionally, they set controls to stop unnecessary purchases. These tools make managing one of the biggest fleet costs much easier.
Choosing the right fuel card depends on your fleet’s needs. For example, the Matrack Fuel Card saves the most money per vehicle.
The WEX Fleet Card works almost everywhere. The Fuelman Fleet Card is ideal for diesel fleets. By picking a card that fits your business, you can save money and make managing your fleet much smoother in 2025.
