The 8 Best Fuel Cards For Truckers & Commercial Trucking Companies

The Coast fleet fuel card offers unique value to trucking companies. It doesn’t offer the best fuel rebates in the industry, but you’ll never have to worry about whether or not a gas station is within this card’s acceptance network. That’s because Coast is accepted anywhere Visa is accepted.

The card does carry a monthly cost — $2 per user per month — but in exchange, you’ll get a number of unique benefits, as we’ll explain.

Coast Fleet Card Rewards

The Coast card gives you a flat $2 per gallon fuel rebate on your monthly statement. It’s not one of the highest-value rebates you’ll find on a fuel card, but this card’s true strengths lie elsewhere.

You’ll also get discounts on various partner services — 8% off at Discount Tire, 10% off on maintenance/oil changes at Jiffy Lube, 30% off QuickBooks for 6 months, and so on.

Coast Features

The Coast card offers a number of great features and benefits. Let’s start with the highlights.

• No personal guarantee required. Not all fuel cards let you avoid personal liability like this — for instance, in 2022, WEX started requiring personal guarantees for their fleet cards.
• Coast reports to the business credit bureaus, so using Coast cards can help you build your business credit.
• Coast cards can also be used on such purchase categories as maintenance and car washes.

Other features include:

• Set spend controls by card, driver, or vehicle
• View transactions in real time
• Get transaction-level reporting by card, driver, and vehicle
• Integrates with the fleet management app Fleetio and accounting apps Xero and QuickBooks

The Coast card is a charge card, so you can’t carry a balance from month to month.

When To Choose Coast

With Coast, you’ll never have to wonder whether a fuel station is “in network.” You’ll also get sophisticated reporting, spend controls, real-time reporting, and more. Unfortunately, sole proprietors cannot get the Coast card. All other business types are accepted, though.

The ExxonMobil BusinessPro fleet card offers a rebate of up to 6 cents per gallon on your fleet’s fuel purchases, depending on the total gallons purchased per billing period. Moreover, there are no monthly charges associated with the card and no setup fees.

ExxonMobil BusinessPro Fleet Card Rewards

This is the ExxonMobil BusinessPro fleet card’s rebate structure:

• Less than 500 gallons purchased during a billing period = 1 cent per gallon
• 500 to 3,999 gallons purchased = 3 cents per gallon
• 4,000 to 6,999 gallons purchased = 4 cents per gallon
• 7,000 to 9,999 gallons purchased = 5 cents per gallon
• 10,000+ gallons purchased = 6 cents per gallon

ExxonMobil BusinessPro Features

ExxonMobil markets that over 95% of US fueling stations accept this card. That means you can use it at non-Exxon or Mobil locations (something that wasn’t previously possible). What’s more, you can view the following from your online BusinessPro account:

• Card and driver details
• Payment history
• Available credit
• Manage invoices and payments
• Set restrictions on purchase types
• Set limits for transactions, gallons, and dollar amounts
• Set specific limits for time-of-day and day-of-week
• Receive notifications when expenses fall outside your company policies

The ExxonMobil BusinessPro card is a charge card — unfortunately, you can’t carry a balance month-to-month.

When To Choose ExxonMobil BusinessPro

The ExxonMobil BusinessPro offers widespread coverage, spend management, and a fuel rebate structure that offers up to 6 cents per gallon on your company’s fuel purchases — and all for no monthly charges. If you want a great fleet card without paying any monthly charges, the ExxonMobil BusinessPro fits the bill.

For a fuel card that will help you save on fuel and cover fuel purchases nearly everywhere your fleet goes, check out the WEX FlexCard. Its flat-rate fuel rebates make it a good choice for companies with more modest trucking needs that wouldn’t qualify for the maximum rates offered by fuel cards that scale their rewards with your fuel use.

WEX FlexCard Fleet Card Rewards

The FlexCard gives you a 3-cent rebate on every gallon of fuel purchased. This falls short of the maximum rate of the ExxonMobil card, but it equals or exceeds said rate if you buy less than 4,000 gallons of fuel per billing period. As such, it’s a great fuel card for small and mid-sized fleets.

WEX FlexCard Features

The WEX FlexCard gives you spend controls, custom reports, and fuel rebates. As for card acceptance, the WEX FlexCard is accepted at 95% of fuel stations nationwide. Also, 45,000 US maintenance locations accept the card, and there’s no annual or monthly fee.

Plus, the WEX FlexCard is technically a charge card, but unlike the ExxonMobil card, the WEX card allows you to carry a monthly balance when necessary.

When To Choose The WEX FlexCard

In addition to the above features, WEX’s fleet management and fuel management services can, when used in tandem, help you save even more on fuel. Add this to the flat 3 cents per gallon your drivers will earn on fuel purchases, and you have a great fuel card for smaller and mid-sized fleets.

If you’re seeking a fleet card with the maximum possible coverage, look into the Shell Fleet Navigator Card. This card is accepted at fully 95% of gas stations across the US, including all 13,000+ Shell and Jiffy Lube locations. You won’t be left high and dry by the Shell Fleet Navigator Card.

Shell Fleet Navigator Card Rewards

The Shell Fleet Navigator Card also offers a rebate of up to 5 cents per gallon of fuel purchased each billing cycle, depending on the amount spent. Unfortunately, Shell doesn’t disclose the amount of fuel you need to buy each month before the 5-cent rate takes effect.

Shell Fleet Navigator Card Features

The card comes with spending controls and expense management systems on par with every other fuel card. Furthermore, the Shell Fleet Navigator Card lets you carry a balance from month to month. However, the card’s APR is not disclosed.

Likewise, while the card doesn’t officially come with an annual fee, Shell states that the card may carry “limited fees” — though the company does not detail these fees.

When To Choose The Shell Fleet Navigator Card

When you want a fleet fuel card that is accepted at nearly every gas station in the US, plus every Jiffy Lube station, check out the Shell Fleet Navigator Card.

The EFS Fleet One EDGE Card is a fuel card that, when used at a gas station participating in the EDGE discount program, offers perhaps the highest fuel rebate around. All in all, over 12,000 truck stops across the country accept the Fleet One EDGE Card. What’s more, you’ll pay no monthly or annual fee.

EFS Fleet One EDGE Card Rewards

You’ll get an average 15 cents per gallon rebate when used at one of 4,500 participating EDGE discount sites. Additionally, you’ll pay no fuel transaction fees when you use the card at over 4,000 in-network sites.

EFS Fleet One EDGE Card Features

Along with fuel rebates, you’ll get spend controls, detailed reporting, discounts on major tire brands, and savings on wireless plans, hotels, and repairs.

When To Choose EFS Fleet One EDGE Card

The card doesn’t have the most widespread coverage of the fuel cards listed here. Still, with advanced reporting, enhanced security controls, discounts on tires, and a high rewards rate when used strategically, the EFS Fleet One EDGE Card packs plenty of value for the trucking company positioned to take advantage of it.

Let’s start with a disclaimer: The Discover it Secured card is a consumer gas card, not a fleet card, so it does not come with any fleet management features. However, fleet cards are generally unavailable to business owners with bad credit. If your credit is poor, but you still want a credit card that offers a solid rewards rate for gas purchases, the Discover it Secured card may benefit your business.

Discover it Secured Rewards

The Discover it Secured card gives you an unlimited 2% cash back on all gas station purchases (no coverage restrictions) and restaurant purchases on up to $1,000 in combined purchases each quarter. You’ll also get 1% cash back on everything else. And with Discover’s Cashback Match, Discover automatically matches all the cash back you’ve earned at the end of your first year, effectively giving you 4% cash back on all fuel purchases for one year.

Discover it Secured Features

The Discover it Secured card doesn’t come with any fleet management features, nor are there any other notable perks to be found beyond the cash back. This isn’t surprising, considering that this is a secured credit card. As such, you’ll have to make a security deposit of at least $200 (the maximum deposit is $2,500) that establishes the amount of your credit line.

When To Choose The Discover it Secured Card

If bad credit is preventing you from getting a true fleet card, Discover it Secured will help you build up your credit. After seven months of responsible use, you may qualify for an upgrade to an unsecured card, which means you can get your security deposit back. All the while, you’ll be earning cash back with your fuel purchases.

A prepaid fuel card is not the same as an actual fuel card; it is essentially just a gift card that can be used at gas stations. Nevertheless, prepaid fuel cards for truckers can be useful for businesses with operations that involve a degree of road travel. It’s not for mid-size to large trucking companies.

The Shell Refillable Card can be used at all Shell locations. Up to $300 can be loaded onto the card at one time.

Shell Refillable Card Rewards

This card does not offer rebates on fuel purchases or any other spending rewards.

Shell Refillable Card Features

This card doesn’t offer fleet management or other common credit card features, though you can track the balance and your spending online.

When To Choose The Shell Refillable Card

If your company’s driving needs are limited, and you want to ensure only fuel is purchased on the company dime, consider using the Shell Refillable Card.

The ARCO PumpPASS prepaid gas card is akin to the Shell Refillable Card, except you use it at ARCO stations, and it is not refillable. It is useful on the West Coast, where most ARCO stations are located. You can get the card in denominations up to $100.

ARCO PumpPASS Card Rewards

This card does not offer spending rewards.

ARCO PumpPASS Card Features

This card does not offer any significant features to speak of.

When To Choose ARCO PumpPASS

If your business is a West Coast company with limited driving needs, you might want to give ARCO PumpPASS cards a look. If your company is located elsewhere in the US and you want a prepaid gas card, go with Shell’s card instead.