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Best Fuel Cards For Truckers & Trucking Companies

    Jason Vissers
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Advertiser Disclosure: Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity.
best fuel cards for truckers

Fuel cards (also known as fleet cards) are unique payment instruments designed to help trucking companies save money on the cost of fuel and maintenance as well as monitor their workforce’s spending. A participating trucking business will provide its drivers with fleet cards to use when driving company vehicles on the clock. The drivers can then use these cards at any of the fuel vendors that comprise the network of locations that accept the card in question.

Generally, these networks will cover over 10,000 gas stations nationwide, though a few such networks feature hundreds of thousands of individual gas stations.

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Let’s take a closer look at what we’ve found to be the best fuel cards for truckers and trucking companies.

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ExxonMobile BusinessPro

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The ExxonMobil BusinessPro fleet card is a charge card and offers a rebate of between 1-6 cents per gallon, depending on the amount of fuel your company purchases per month. The card is accepted at over 95% of fueling stations in the US. There are no monthly or annual fees.
The ExxonMobil BusinessPro fleet card is a charge card and offers a rebate of between 1-6 cents per gallon, depending on the amount of fuel your company purchases per month. The card is accepted at over 95% of fueling stations in the US. There are no monthly or annual fees.

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WEX FlexCard

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There are no monthly or annual fees. This card offers a flat rebate of 3 cents per gallon regardless of your company's total monthly fuel spending. The WEX FlexCard is a charge card, but it allows you to carry a balance if necessary. The card is accepted at 95% of US gas stations.
There are no monthly or annual fees. This card offers a flat rebate of 3 cents per gallon regardless of your company's total monthly fuel spending. The WEX FlexCard is a charge card, but it allows you to carry a balance if necessary. The card is accepted at 95% of US gas stations.

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Shell Fleet Navigator Card

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The Shell Fleet Navigator Card carries limited (and undefined) fees. The card offers a rebate of up to 5 cents per gallon, depending on your monthly fuel purchase volume. The card is not a charge card, so you can carry a balance from month to month. The Shell Fleet Navigator Card is accepted at 95% of US gas stations.
The Shell Fleet Navigator Card carries limited (and undefined) fees. The card offers a rebate of up to 5 cents per gallon, depending on your monthly fuel purchase volume. The card is not a charge card, so you can carry a balance from month to month. The Shell Fleet Navigator Card is accepted at 95% of US gas stations.

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EFS Fleet One EDGE Card

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The EFS Fleet One EDGE Card gives you an average discount of 15 cents per gallon when used at one of 2,200 EDGE Discount sites. In total, this card is usable at over 12,000 locations, and the card carries no monthly or annual fees.
The EFS Fleet One EDGE Card gives you an average discount of 15 cents per gallon when used at one of 2,200 EDGE Discount sites. In total, this card is usable at over 12,000 locations, and the card carries no monthly or annual fees.

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Read more below to learn why we chose these options.

1. Best For No Monthly Charges

ExxonMobile BusinessPro



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ExxonMobile BusinessPro



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Annual Fee:


$0

 

Purchase APR:


  • Annual Fee: $0
  • Rewards: 1-6 cents per gallon, depending on monthly purchase volume
  • Coverage: Over 95% of US fueling stations

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. Additionally, there are no monthly charges associated with the card and no setup fees.

The ExxonMobil BusinessPro fleet card’s rebate structure is as follows:

  • Less than 500 gallons purchased during 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

The ExxonMobil BusinessPro fleet card is a charge card. As such, the card doesn’t have an APR since you can’t carry a balance from month to month.

With the ExxonMobil BusinessPro fleet card, you’ll be able to view all of the following from your online 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

One last note: ExxonMobil markets that this card is accepted at over 95% of US fueling stations. That means you can use the card at non-Exxon or Mobil locations (something that wasn’t previously possible).

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2. Best For Small & Mid-Size Companies

WEX FlexCard



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WEX FlexCard



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Annual Fee:


$0

 

Purchase APR:


  • Annual Fee: $0
  • Rewards: 3 cents per gallon
  • Coverage: 95% of US gas stations

For a fuel card that will both help you save on fuel and cover fuel purchases nearly everywhere your fleet goes, check out the WEX FlexCard.

Like the ExxonMobil BusinessPro fleet card, the WEX FlexCard is a charge card — but unlike the ExxonMobil card, the WEX FlexCard allows you to carry a monthly balance when necessary. And while the FlexCard’s 3 cent rebate on every gallon of fuel purchased falls short of the maximum rate of the ExxonMobil card, 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.

The WEX FlexCard is accepted at 95% of fuel stations nationwide. There are an additional 45,000 US maintenance locations that accept the card too. And while this card previously carried an annual fee, WEX has since eliminated it for this card.

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.

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3. Best For National Coverage

Shell Fleet Navigator Card



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Shell Fleet Navigator Card



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Annual Fee:


 

Purchase APR:


  • Annual Fee: Unspecified “limited fees”
  • Rewards: Up to 5 cents per gallon, depending on monthly purchase volume
  • Coverage: 95% of US gas stations

If you’re looking for a fuel card with the maximum possible coverage, you’ll do well investigating the Shell Fleet Navigator Card.

This fuel card is accepted at fully 95% of gas stations across the US, including all 13,000+ Shell and Jiffy Lube locations. You’re exceedingly unlikely to be left high and dry by the Shell Fleet Navigator Card.

The card comes with spending controls and expense management systems on par with every other fuel card out there. What’s more, the Shell Fleet Navigator Card is not a charge card. Instead, the card is akin to a traditional credit card in that you can carry a balance from month to month.

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 per month you need to buy before the 5 cent rate takes effect. 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.

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4. Best For Rewards

EFS Fleet One EDGE Card



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EFS Fleet One EDGE Card



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Annual Fee:


 

Purchase APR:


  • Monthly Fee: $0
  • Rewards: An average of 15 cents per gallon at 2,200 participating EDGE Discount sites
  • Coverage: 12,000+ locations

The EFS Fleet One EDGE Card is a fuel card that, when used at one of 2,200 participating EDGE discount sites, will earn you an average discount of 15 cents per gallon. Additionally, you’ll pay no fuel transaction fees when you use the card at over 4,000 in-network sites. In total, the Fleet One EDGE Card is accepted at over 12,000 truck stops across the country. All for no monthly fee!

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

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Best Prepaid Fuel Cards

Let’s change gears here (get it?) and discuss prepaid fuel cards. Now, a prepaid fuel card is not the same thing as an actual fuel card. Essentially, a prepaid fuel card is just a gift card that can be used at a gas station, and, as such, it shares little in common with either fuel cards or credit cards.

Nevertheless, prepaid fuel cards can be quite useful for the company with operations that involve a degree of road travel, and, therefore, I thought I should mention them here. These cards aren’t for mid-size to large trucking companies.

Shell Refillable Card

The Shell Refillable Card can be used at all Shell locations. Up to $300 can be loaded onto the card at one time. You can track the balance and your spending online.

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

ARCO PumpPASS Prepaid Gas Card

The ARCO PumpPASS prepaid gas card is nearly identical to the Shell Refillable Card, except you use it at ARCO stations. It is a good prepaid gas card to use on the West Coast, where most ARCO stations are located.

If your business is a West Coast company with limited driving needs, you might want to give ARCO PumpPASS cards a look.

Are Fuel Cards Worth It?

Let’s move on to the larger question of whether or not fuel cards are worth getting in the first place.

If your business uses two or more company vehicles for travel, and your company purchases over 1,000 gallons of fuel each month, it may be worth it to get a fuel card. This is true for the following reasons:

  • Fuel cards come with in-depth purchasing controls to ensure your employees are using the company card for driving-related expenses only
  • Advanced analytics can improve your drivers’ efficiency
  • Monthly/annual fees tend to be small or nonexistent
  • Save money, both on gas purchases and on repair/maintenance costs
  • Advanced GPS apps that point the way toward in-network gas stations and service centers

Of course, fuel cards can only be used to purchase fuel and repair/maintenance services, which means that fuel cards are much less flexible than credit cards. Additionally, rewards programs associated with fuel cards tend to be more limited than those of credit cards, as only certain gas stations participate in said rewards programs.

Also, consider the fact that most fuel cards are charge cards. That means you won’t be able to carry a balance from month to month, giving you less leeway when paying your bills. Also, the fuel cards that do allow you to carry a balance never come with an introductory 0% APR offer. In fact, fuel cards just about never offer any signup bonuses.

What To Look For In A Fuel Card

Here’s what you need to keep in mind when looking for a fuel card:

  • Get a card that fits your location. Many fuel cards can only be used at certain gas station chains or within networks that cover certain regions of the country and not others. Look into exactly where a fuel card can be used before deciding on one.
  • Get a card that fits the amount of fuel you purchase each month. Many fuel cards offer rebates on fuel purchases, but these rebates are often tied to how much fuel your company buys each month. Try to determine how much fuel per month your company will be using before getting a fuel card. This way, you can find the card with a rebate program that best caters to your fuel “sweet spot.”
  • Understand how the pricing works when considering a fuel card. Some fuel cards allow you to batch your fuel purchases after a certain length of time. That means you may be able to pay less than the price listed at the pump, but this pricing scheme can also come with its own fees and requirements. Be sure to understand how the pricing works before obtaining your fuel card.

FAQs About Fuel Cards

How do you get a truck fuel card?

Most fuel card issuers offer an application on their website. To complete the application, you will have to provide details about yourself and your business.

How do trucking fuel cards work?

Truck fuel cards offer rebates on fuel purchases. Some fuel cards might carry additional benefits, such as loyalty bonuses, fraud coverage, online reporting, and other services to help manage your transportation business.

What are the benefits of having a fuel card?

The most significant benefit of having a fuel card is saving money on gas purchases via rebates. Fuel cards might also come with other benefits, such as loyalty rewards and fraud coverage.

Final Thoughts

Trucking companies have their own particular financing needs, just like any specialty industry. The fuel card is one of the tools by which your business can save on the cost of fuel and keep employee spending under control.

⭐️ Featured Free Corporate Card ⭐️

Divvy Card



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Read our Review

Divvy offers a free corporate card for virtually any business. Start earning rewards with your corporate spending today. Get your free card.

For more information on setting up your trucking business for growth, let Merchant Maverick lend you a hand.

In Summary: Best Fuel Cards For Truckers & Trucking Companies

  1. ExxonMobile BusinessPro: The ExxonMobil BusinessPro fleet card is a charge card and offers a rebate of between 1-6 cents per gallon, depending on the amount of fuel your company purchases per month. The card is accepted at over 95% of fueling stations in the US. There are no monthly or annual fees.
  2. WEX FlexCard: There are no monthly or annual fees. This card offers a flat rebate of 3 cents per gallon regardless of your company's total monthly fuel spending. The WEX FlexCard is a charge card, but it allows you to carry a balance if necessary. The card is accepted at 95% of US gas stations.
  3. Shell Fleet Navigator Card: The Shell Fleet Navigator Card carries limited (and undefined) fees. The card offers a rebate of up to 5 cents per gallon, depending on your monthly fuel purchase volume. The card is not a charge card, so you can carry a balance from month to month. The Shell Fleet Navigator Card is accepted at 95% of US gas stations.
  4. EFS Fleet One EDGE Card: The EFS Fleet One EDGE Card gives you an average discount of 15 cents per gallon when used at one of 2,200 EDGE Discount sites. In total, this card is usable at over 12,000 locations, and the card carries no monthly or annual fees.
Jason Vissers

Jason Vissers

Expert Analyst & Reviewer at Merchant Maverick
Jason Vissers has been researching, analyzing, and writing about small business software and finance since 2015. His financial expertise has been cited in numerous publications, including The Ladders. Jason graduated with a Political Science degree from San Diego State University in 2001.
Jason Vissers
View Jason Vissers's professional experience on LinkedIn.
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7 Comments

Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

    ivana

    I’m looking for Sheetz commercial fuel cards. Any recommendations?
    Thank you!

      Jessica Dinsmore

      Hi Ivana,

      Unfortunately, we haven’t reviewed Sheetz Fuel cards yet, so we can’t give an opinion on them one way or the other. If you’re open to other options, we’ve made some solid recommendations within the post that may be worth exploring. Best of luck!

        Lyndale

        I just got off the phone with Fuelman, and the information on your site, it outdated. They do not offer the Rewards any more.

        Thanks

          This comment refers to an earlier version of this post and may be outdated.

          Jessica Dinsmore

          Thanks, Lyndale! I’ve passed your message along to our editorial team.

            This comment refers to an earlier version of this post and may be outdated.

            kathy

            looking for commercial fuel cards. please contact

              This comment refers to an earlier version of this post and may be outdated.

              Dakota Fillet

              Hi Kathy,
              We don’t actually offer fuel cards, we just review them. But we’ve done a lot of research here to help you find just the right fuel card for your business needs. We’d suggest using our review as a starting point, and encourage you to reach out to any of the fuel card companies that we’ve recommended here, if you think they might be a good fit for your business.

                This comment refers to an earlier version of this post and may be outdated.

                Tom

                This is quite informative article on fuel cards. Thanks for sharing the article.

                  This comment refers to an earlier version of this post and may be outdated.

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