AtoB vs EFS Fuel Card: Which Fleet Fuel Card Is Right for Your Trucking Business?

With fuel costs representing over 30% of operating expenses for long-haul trucking companies, even small differences in fuel discounts, transaction fees, and fleet management tools add up to thousands of dollars annually. For owner-operators and fleet managers comparing AtoB vs EFS fuel card options, understanding how each fuel card provider stacks up on pricing, network coverage, and features is essential for managing fuel expenses and improving cash flow.

Both AtoB and EFS serve the trucking industry with diesel fuel cards designed for over-the-road fleets, but these fuel card providers take fundamentally different approaches. AtoB positions itself as a modern fintech fuel card company with universal acceptance and transparent pricing, while EFS (owned by WEX since 2016) offers enterprise-grade fuel controls and deep integrations for mid-to-large carriers. This fuel card comparison breaks down everything trucking companies need to know to save money on fuel purchases and streamline fleet management.

Key Takeaways

• AtoB fuel card delivers average fuel discounts of $0.45–$2.00 per gallon on diesel fuel at 3,500+ truck stops, while the EFS fuel card offers $0.12–$0.15 per gallon through its EDGE discount network at 4,500+ participating locations
• AtoB provides universal acceptance at 99% of fuel stations nationwide through Visa/Mastercard networks, compared to EFS fleet cards accepted at 12,000+ truck stops, plus expanded retail coverage through CrossRoads and Mastercard options
• AtoB charges transparent pricing with no annual fees—just $3/card/month (Unlimited) or $15/month minimum for Flex cards with a $35 setup fee; EFS fuel card fees are contract-based and not publicly disclosed
• Both fuel card providers offer comprehensive fleet management tools, including IFTA reporting, expense tracking, mobile apps for fuel management, and spending limits to track spending across your fleet

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AtoB Fuel Card Overview

AtoB was founded in 2019 and has quickly grown to serve over 30,000 fleet customers and 100,000+ truck drivers across the United States. AtoB's mission is "More money for your miles"—helping fleets eliminate inefficiencies and manage fuel expenses through technology-driven solutions for the trucking industry.

AtoB offers two primary fleet fuel card options: AtoB Flex (credit fuel card) and AtoB Unlimited (prepaid fuel card with no credit check). Unlike branded fuel cards tied to specific fuel stations, both AtoB fuel cards work on Visa and Mastercard networks, providing operational flexibility at virtually any gas station or truck stop that accepts major credit cards. This fuel card program makes AtoB one of the best fleet fuel cards for trucking business owners seeking flexibility.

AtoB Fuel Card Pricing Structure:

• AtoB Unlimited (prepaid fuel card): $3 per active card per month, no annual fees
• AtoB Flex (credit fuel card): $15/month minimum for up to 5 cards, $3 per additional card
• Premium tier: Additional $3/card/month for FuelMap optimizer, app-based card unlock, and telematics integration
• One-time setup fee: $35
• No transaction fees on fuel purchases or fuel transactions

Key AtoB Fuel Card Features:

• Average diesel fuel discounts of $0.45–$2.00 per gallon at major truck stop chains
• Universal fuel card acceptance at 99% of fuel stations, including 3,500+ truck stops and 30,000+ gas stations
• $250,000 fraud protection guarantee against unauthorized purchases
• No personal guarantee required for credit fuel card options
• IFTA reporting and detailed reporting tools for managing fuel costs
• Driver payroll and vendor payment capabilities for improved cash flow
• 24/7/365 multilingual customer support with call pickup under 30 seconds
• Mobile app with fuel unlock feature, optimal station selection, and real-time expense tracking to track spending on diesel purchases

EFS Fuel Card Overview

EFS (Electronic Funds Source) has been a major player in the trucking industry for decades, providing customized fleet payment solutions focused on large and mid-sized over-the-road fleets. WEX acquired EFS in 2016 for approximately $1.1 billion, making it a wholly-owned subsidiary with access to WEX's extensive infrastructure and partnerships. The EFS fuel card is widely recognized among fuel card providers for its best-in-class security features and software integrations with online account management systems.

EFS offers multiple fleet fuel card options tailored to different fleet sizes and operational needs: the EFS Fleet Card for mid-to-large enterprise fleets, Fleet One EDGE fuel card for small fleets seeking competitive fuel discounts, EFS Fleet Mastercard for dual-network acceptance, and CrossRoads Freight Card for mixed fleets needing both truck stop and retail gas station coverage. These fleet cards provide fuel management solutions for trucking companies of all sizes.

EFS Fuel Card Pricing Structure:

• Most fuel card fees are contract-based and vary by agreement
• Fleet One EDGE fuel card: $0 setup, monthly fees vary; $0 fuel transaction fees at 4,000+ in-network sites
• EFS Fleet Card: Contract-based monthly fees, per-card fees, and transaction fees
• Out-of-network fees may apply at select locations when purchasing fuel
• Pricing tied to fuel usage volume and negotiated fuel discounts

Key EFS Fuel Card Features:

• Average fuel discounts of $0.12–$0.15 per gallon through the EDGE network at 4,500+ participating stations
• Fuel card acceptance at 12,000+ truck stops across North America (CrossRoads expands to 16,000+ truck stops plus 95% of retail stations)
• Real-time purchase limits, spending limits, and fuel controls at the individual card level
• WEX CardControl driver app and EFS CarrierControl fleet manager portal for expense tracking
• CAT Scale/Weigh My Truck integration

AtoB & EFS Fuel Card Comparison

Fuel Discounts and Savings

When it comes to competitive fuel discounts on diesel purchases, AtoB delivers significantly higher per-gallon savings. AtoB customers save an average of $0.45–$2.00 per gallon on diesel fuel at major truck stops, with the Premium tier's FuelMap optimizer adding approximately $0.21 per gallon in additional savings by directing drivers to the lowest-cost participating locations.

EFS and its Fleet One EDGE program market average savings of $0.12–$0.15 per gallon, though these discounts are limited to approximately 4,500 EDGE discount sites and 2,200 locations offering the full discount program. Out-of-network truck stops commit to charging no higher than the posted cash price, but drivers may face out-of-network fees.

Annual Savings Comparison (1,000 gallons/month per truck):

• AtoB: $450–$2,000/month potential savings = $5,400–$24,000/year per truck
• EFS EDGE: $120–$150/month potential savings = $1,440–$1,800/year per truck

For small businesses and owner-operators purchasing fuel in high volumes, AtoB's deeper fuel discounts translate into substantial savings on overall fleet expenses.

Network Coverage and Fuel Stations

AtoB's universal fuel card acceptance model covers 99% of fuel stations nationwide, including all major chains like Pilot Flying J, Love's, TA/Petro, and independent gas stations. Because AtoB fuel cards run on Visa and Mastercard networks, truck drivers can fuel anywhere these cards are accepted—eliminating concerns about out-of-network stations or limited participating locations.

The EFS fuel card provides acceptance at 12,000+ truck stops on its proprietary network, with the CrossRoads Freight fuel card expanding coverage to 16,000+ truck stops and approximately 95% of U.S. retail gas stations. However, fuel discounts vary significantly by location, and drivers must use the mobile app to verify pricing at specific stops before purchasing fuel. TCS fuel card offers similar coverage to EFS at major truck stop chains.

For trucking companies operating diverse routes or mixed fleets, AtoB's universal fuel card acceptance offers greater operational flexibility without worrying about network restrictions when managing fuel costs.

Fees and Transparent Pricing

AtoB stands out among fuel card providers for its transparent pricing model. Monthly fees are clearly published: $3 per active fuel card for Unlimited (prepaid) fuel cards, or a $15/month minimum for Flex (credit) fuel cards. There are no transaction fees on fuel purchases or fuel transactions, and the one-time $35 setup fee is straightforward with no annual fees.

EFS fuel card fees are contract-based and not publicly disclosed, making it difficult for fleet managers to compare true costs before signing an agreement. Fees may include monthly fees, per-card fees, transaction fees at out-of-network fuel stations, and additional costs for cash advances or optional services. The Fleet One EDGE fuel card eliminates transaction fees at 4,000+ in-network sites, but out-of-network fuel transactions may incur charges.

For small businesses seeking predictable expenses to save money, AtoB's transparent pricing eliminates surprises and simplifies budgeting for fuel costs and overall fleet expenses.

Credit Requirements and Personal Guarantee

AtoB offers both prepaid (Unlimited fuel card) and credit (Flex fuel card) options, with the Unlimited fuel card requiring no credit check—making it accessible to owner-operators with credit challenges or to new trucking businesses building credit history. Importantly, AtoB does not require a personal guarantee for credit fuel card options, protecting fleet owners' personal assets when they set spending limits.

EFS fleet cards are primarily credit-based and typically require a credit check for approval. While EFS offers robust credit lines for established fleets, the fuel card application process may be more restrictive for small fleets or those with limited credit history. Some factoring company partners offer prepaid or cash-secured EFS fuel card options with fuel rebates.

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Fleet Management and Expense Tracking

Both fuel card providers offer comprehensive fleet management tools, but with different approaches suited to their target customers. These fuel cards help trucking companies save money by improving fuel management and reducing fuel costs.

AtoB Fleet Management Tools:

• Online account management dashboard with customizable expense tracking and detailed reporting for fuel usage
• Mobile app for truck drivers with fuel station finder, card unlock, and balance management
• Telematics integration for real-time purchase validation and fuel efficiency monitoring
• Set spending limits and custom spend rules to manage fuel expenses
• IFTA reporting with TMS integration for fuel optimization
• Driver payroll and vendor payment features
• Digital receipt capture for all fuel transactions

EFS Fleet Management Tools:

• WEX CardControl app for truck drivers with real-time balances and fuel station locations at participating stations
• EFS CarrierControl portal for fleet managers to issue MoneyCodes, manage fleet cards, and track spending
• CAT Scale/Weigh My Truck integration for convenient scale payments
• Fuel audit and reconciliation tools for fuel usage analysis
• IFTA, IRP, and state fuel tax reporting
• SecureFuel fraud detection with real-time alerts for security features
• Integration with leading TMS and accounting software for comprehensive fleet management tools

EFS's enterprise-grade integrations and add-on solutions make it well-suited for large trucking companies with complex operational needs that require comprehensive fleet management tools, while AtoB's streamlined dashboard delivers essential fleet management features without overwhelming small businesses with the features they need.

Fraud Protection and Security Features

AtoB fuel card provides industry-leading fraud protection with a $250,000 guarantee against unauthorized purchases and theft. This fuel card company uses telematics integration to validate fuel purchases in real-time, app-based Secure Card Unlock security features to ensure only authorized truck drivers use fuel cards, and optimal station selection to prevent drivers from fueling at suspicious locations.

The EFS fuel card offers superior authorization and fraud-prevention tools through its SecureFuel program, which identifies irregularities and triggers real-time alerts. Fleet managers can set spending limits, time-of-day restrictions, product-category fuel controls, and custom card prompts at the individual fleet card level using comprehensive fleet management tools. However, EFS does not publicly advertise a specific dollar-amount fraud guarantee like AtoB's security features.

Customer Support

AtoB emphasizes responsive customer support with 24/7/365 phone and chat availability for both fleet managers and truck drivers. Support is offered in multiple languages, including English, Spanish, Hindi, and Punjabi, with average call pickup times under 30 seconds. AtoB holds a 4.6/5 rating on Trustpilot and an A rating with the BBB.

EFS provides 24/7 customer service through its WEX parent company infrastructure. While EFS has extensive resources for enterprise customers, some user feedback mentions challenges with customer service responsiveness. Fleet managers should clarify support terms during contract negotiations.

FAQs

How do AtoB and EFS fuel cards compare for owner operators?

For owner-operators and small businesses in the trucking industry, the AtoB fuel card typically offers better value through higher per-gallon fuel discounts ($0.45–$2.00 vs $0.12–$0.15), transparent monthly fees ($3/card), universal fuel card acceptance, and no-credit-check options. The EFS fuel card caters more to mid-to-large fleets with its contract-based pricing and enterprise-level fuel management integrations.

Which fuel card offers better fuel discounts?

AtoB fuel card delivers significantly higher fuel discounts, averaging $0.45–$2.00 per gallon on diesel fuel compared to the EFS fuel card's $0.12–$0.15 per gallon through the EDGE network. However, actual savings depend on fuel usage patterns and which participating stations truck drivers frequent when purchasing fuel.

Does AtoB or EFS offer better fleet management tools?

Both fuel card providers offer comprehensive fleet management tools, including expense tracking, spending limits, IFTA reporting, and mobile apps for fuel management. EFS provides more enterprise-grade integrations and add-on solutions for large fleets, while AtoB delivers streamlined, user-friendly fleet management tools ideal for small businesses and owner operators.

Which fuel card has better network coverage?

AtoB fuel card offers broader coverage with universal acceptance at 99% of fuel stations on Visa/Mastercard networks. The EFS fuel card covers 12,000+ truck stops on its proprietary network, expanding to 16,000+ truck stops and 95% of retail gas stations through CrossRoads. AtoB's fuel card program model eliminates concerns about out-of-network stations.

Conclusion

The AtoB vs EFS fuel card decision ultimately comes down to your fleet size, operational needs, and priorities when managing fuel costs. AtoB fuel card excels at delivering competitive fuel discounts, transparent pricing, and modern technology that small businesses and owner operators can implement quickly without complex contracts. The EFS fuel card provides the enterprise-grade security features, deep software integrations, and cash management tools that large trucking companies require for comprehensive fleet management.

For fleets focused on maximizing diesel fuel savings with predictable fuel costs and universal acceptance, AtoB is the clear choice among the best fleet fuel cards. For enterprise operations that need sophisticated fleet management tools and are willing to negotiate custom agreements, EFS offers proven fuel card solutions backed by WEX's extensive infrastructure.

Ready to start saving on fuel costs and managing fuel expenses more effectively? Explore AtoB's fuel card options and see how much your trucking business could save with competitive fuel discounts at 99% of fuel stations nationwide.

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Citations:

1. https://www.efsllc.com/fuel-card/efs-fleet-card/
2. https://www.sba.gov/business-guide/plan-your-business/establish-business-credit
3. https://factoringclub.com/factoring-company/rts-financial/