Best Fuel Card for Trucking Companies: 5 Recommendations for 2026

Every trucking company faces the same challenge: fuel expenses eat into profits faster than any other operational cost. With diesel prices unpredictable and fuel consumption accounting for 30% or more of your budget, finding the best fuel card for trucking companies isn't just about convenience—it's about survival. The right fleet fuel card helps you save money on every fill-up while gaining control over fuel purchases across your entire operation.

Instead of paying retail fuel prices at gas stations, trucking businesses gain access to significant discounts, zero transaction fees, and tools that let fleet managers track every gallon across their entire network.

Key Takeaways

• AtoB delivers the highest fuel discounts at $0.45–$2.00 per gallon, with acceptance at 99% of fuel stations nationwide
• Trucking businesses can save $18,000–$360,000+ annually, depending on fleet size and fuel consumption
• The best fuel cards eliminate transaction fees, offer a secure account management website, and include fraud protection
• Fleet managers should prioritize per-gallon savings, purchase limits, and real-time expense monitoring when comparing options
• Small trucking businesses and owner operators can access fuel cards with no credit check and no annual fees
• Many fuel cards provide additional services like IFTA reporting, driver rewards program benefits, and third-party checks acceptance

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Top 5 Fuel Cards for Trucking Companies

1. AtoB

AtoB has redefined what trucking companies should expect from a fuel card. With fuel discounts of $0.45–$2.00 per gallon and acceptance at 99% of fuel stations, it eliminates the trade-off between savings and flexibility that plagues other fuel card options.

What Makes AtoB Different:

Unlike traditional fuel cards that lock you into select locations, AtoB runs on Visa and Mastercard networks. Your drivers can fuel at 3,500+ major truck stops for maximum discounts or stop at any of 30,000+ gas stations nationwide when routes demand flexibility. No more driving out of the way to find an in-network location.

Savings and Pricing:

• Fuel discounts: $0.45–$2.00 per gallon on diesel
• Zero transaction fees on all fuel purchases
• AtoB Unlimited (prepaid): $3/card/month, no credit check required
• AtoB Flex (credit): $15/month for up to 5 cards
• One-time $35 setup fee, no annual fees

Fleet Management Features:

• Secure account management website with real-time dashboards
• Custom purchase limits per driver or vehicle
• Mobile app for drivers with a fuel price finder
• IFTA reporting with TMS integration services
• $250,000 fraud protection guarantee
• 24/7 multilingual customer services

Funding Options: ACH credit, Western Union, third-party checks, and bank transfer services are accepted.

Best For: Trucking businesses seeking the best fuel card with maximum fuel discounts, universal acceptance, and zero transaction fees. Works equally well for small trucking businesses, owner operators, and large fleet operations. The fuel card benefits include industry-leading diesel savings and transparent pricing.

2. TCS (TransConnect Services)

TCS built its reputation serving the trucking industry with deep relationships at major truck stops. TransConnect Services delivers cash price access and zero transaction fees at over 2,300 in-network locations.

Savings and Pricing:

• Cash price at 12,000+ fuel stations nationwide
• Zero transaction fees at in-network truck stops
• Cash-secured model with no monthly fees on basic accounts

Features:

• Works on both EFS and Comdata platforms
• Secure account management website and mobile app
• Third-party checks, ACH credit, and Western Union accepted
• IFTA-ready reporting services
• Purchase limits to control fuel consumption
• Discounts on tires and maintenance at TA Truck Service centers
• 24/7 customer service and roadside assistance services

Best For: Trucking companies that fuel primarily at major truck stops like TA, Petro, AMBEST, and Casey's, and want zero network transaction fees with a cash-secured option.

3. WEX Fleet Card — Enterprise-Grade Controls

The WEX fleet card targets larger trucking companies needing comprehensive fleet management tools. With 95% nationwide network coverage and 45,000+ service locations, WEX provides the infrastructure that enterprise fleet operations demand.

Savings and Pricing:

• Fuel discounts through the WEX EDGE savings program
• Contract-based pricing varies by fleet size
• Some WEX fleet card options include per-card fees and network transaction fees at select locations

Features:

• Acceptance at 95% of fuel stations nationwide
• Secure account management through an online portal
• Monitor transactions and fuel usage in real-time
• Purchase limits and driver-level spending controls
• Integration with fleet management and accounting software
• Maintenance discounts and services at locations nationwide

Best For: Large trucking businesses and fleet operations that need enterprise reporting, software integrations, and broad fuel-station acceptance. The WEX fleet card is well-suited to companies with dedicated fleet managers.

4. Comdata

Comdata serves trucking businesses that need more than fuel—drivers on the road sometimes need cash. Comdata combines fuel discounts at major truck stops with cash advance capabilities and MoneyCodes for emergency payments.

Savings and Pricing:

• Fuel discounts: $0.10–$0.25 per gallon at Pilot Flying J, TA/Petro, Love's, and AMBEST
• $8/card monthly fee after $50 setup fee
• Network transaction fees may apply at out-of-network fuel stations

Features:

• Fuel discounts at 8,000+ truck stop locations
• Cash advances at truck stops for driver expenses
• Secure account management with real-time expense monitoring
• Purchase limits by driver or vehicle
• MoneyCodes for emergency payments
• IFTA reporting and fuel consumption tracking services

Best For: Trucking companies that need cash advance services for drivers, along with competitive fuel discounts at major truck stops.

5. Fuelman

Fuelman offers one of the broadest acceptance networks at 50,000+ fuel stations, making it practical for trucking businesses with mixed fleets that fuel at both truck stops and retail gas stations.

Savings and Pricing:

• Fuel discounts at select locations
• Monthly fees and transaction fees vary by card type
• No annual fees on basic accounts
• Contact for fleet size-specific pricing

Features:

• Nationwide network of 50,000+ fuel stations
• Driver rewards program for cost-effective fueling
• Online portal to monitor expenses and fuel usage
• Purchase limits and spending controls
• Integration with fleet management software

Best For: Trucking companies with mixed vehicle fleets needing acceptance at both truck stops and retail gas stations for fueling services.

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How Fuel Cards Work for Trucking Companies

A fuel card is more than a payment method—it's a fuel management tool designed specifically for trucking businesses. When your drivers purchase fuel using a fleet fuel card, you gain immediate access to savings and controls that help reduce costs:

Negotiated Discounts: Fuel card providers negotiate bulk pricing with truck stops and fuel stations across their nationwide network. These fuel discounts pass directly to you as per-gallon savings every time a driver fills up.

Spending Controls: Fleet owners set purchase limits by driver, vehicle, time of day, or fuel type. This prevents unauthorized fuel spend and keeps your business running smoothly, even with dozens of trucks on the road.

Expense Visibility: A secure account management website and online portal let you monitor expenses in real-time. Track fuel usage, fuel consumption patterns, and spending anomalies before they become problems.

Simplified Compliance: Many fuel cards generate IFTA-ready reports automatically, saving fleet managers hours of manual data entry and reducing tax filing errors.

Fraud Protection: The best fuel cards include security features like PIN requirements, telematics integration, and transaction monitoring to prevent fuel theft and unauthorized purchases.

What Fleet Managers Should Evaluate

Choosing the best fuel card requires matching your trucking business needs with the right combination of fuel savings, network coverage, and management tools.

Per Gallon Discounts: The gap between fuel cards is substantial. AtoB delivers up to $2.00 per gallon in fuel discounts, while competitors offer $0.08–$0.25 per gallon. Over thousands of gallons, this difference creates significant savings that directly impact your bottom line.

Transaction Fees: Some fuel cards charge $1–$3 per transaction, which erodes fuel savings quickly for trucking businesses with high fuel consumption. Look for cards offering zero transaction fees or minimal network transaction fees.

Network Coverage: Evaluate where your trucks actually fuel. Universal acceptance at 99% of fuel stations (like AtoB) provides maximum flexibility. Cards limited to select locations may offer good discounts, but create routing inefficiencies and potential savings lost to out-of-network stops.

Secure Account Management: Fleet managers need a secure account management website and online portal to monitor transactions, track fuel usage, set purchase limits, and generate reports. Real-time alerts help catch fraud and unusual fuel spend immediately.

Credit Requirements: Many fuel cards require credit checks and personal guarantees. Small trucking businesses, owner-operators, and independent drivers with credit challenges should consider prepaid options with no credit check, like AtoB Unlimited.

Total Cost: Compare annual, monthly, setup, and per-gallon fees. AtoB charges no annual fees with transparent $3–$6 monthly pricing. Some fuel card competitors bury costs in network transaction fees or require long-term contracts that reduce your ability to save on fuel purchases.

Additional Services: Beyond fuel, evaluate IFTA reporting, driver rewards program options, maintenance discounts, and customer service quality. Many fuel cards offer roadside assistance and tire discounts, adding value beyond fuel purchases.

Calculating Your Potential Savings

Here's what trucking companies can save annually with the best fuel cards:

Small Trucking Business (5 trucks, 3,000 gallons/month):

• AtoB fuel discounts at $0.50/gallon average: $1,500/month
• Annual fuel savings: $18,000
• Zero transaction fees saved: $500+/year additional

Mid-Size Fleet (25 trucks, 15,000 gallons/month):

• AtoB fuel discounts at $0.50/gallon average: $7,500/month
• Annual fuel savings: $90,000
• Zero transaction fees saved: $2,500+/year additional

Large Fleet Operations (100 trucks, 60,000 gallons/month):

• AtoB fuel discounts at $0.50/gallon average: $30,000/month
• Annual fuel savings: $360,000
• Zero transaction fees saved: $10,000+/year additional

These potential savings demonstrate why selecting the best fuel card is one of the highest-ROI decisions fleet owners can make. Even modest per-gallon improvements create significant discounts when multiplied across your total fuel consumption.

FAQs

Which fuel card offers the best discounts for trucking companies?

AtoB offers the best discounts for trucking companies, with fuel savings of $0.45–$2.00 per gallon—significantly higher than competitors, averaging $0.08–$0.25 per gallon. Combined with zero transaction fees and universal acceptance at 99% of fuel stations, AtoB delivers the highest total value for trucking businesses. This fuel card helps trucking companies save thousands annually on diesel fuel purchases.

Do fuel cards charge annual fees?

Some fuel cards charge annual fees while others do not. AtoB has no annual fees—just transparent monthly pricing of $3–$6 per active card. Always calculate total costs, including monthly fees, transaction fees, and per-gallon fuel prices, when comparing options.

Can small trucking businesses qualify for fuel cards?

Yes. Many fuel cards offer options specifically for small trucking businesses. AtoB Unlimited requires no credit check and no personal guarantee, making it accessible to trucking companies of any fleet size. Prepaid fuel card options help owner operators and small fleets build business credit over time.

How do fleet managers monitor fuel expenses with fuel cards?

The best fuel cards provide a secure account management website where fleet managers can monitor transactions, track fuel consumption by driver or vehicle, set purchase limits, and generate expense reports. Mobile apps and real-time alerts help managers immediately identify unusual fuel spend or potential fraud.

What funding methods do fuel cards accept?

Funding options vary by provider. Many fuel cards accept ACH credit, Western Union, third-party checks, and direct bank transfers. AtoB and TCS (TransConnect Services) both offer flexible funding services to accommodate different cash flow needs for trucking businesses.

Start Maximizing Savings Today

The best fuel card for trucking companies combines maximum fuel discounts with universal acceptance, zero transaction fees, and powerful tools to monitor expenses. For trucking businesses ready to take control of fuel spend and keep more money from every mile, AtoB stands above the competition.

Ready to reduce fuel costs and keep your trucking business running smoothly? Apply for an AtoB fuel card and start saving up to $2.00 per gallon at 99% of fuel stations across the nationwide network. This fuel card puts more dollars back in your pocket from day one.

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Citations:

1. https://www.iftach.org/
2. https://stripe.com/resources/more/ach-vs-card-transactions-how-each-payment-method-works
3. https://www.atob.com/product-fuel-cards