The best credit cards for fleet fuel

Editor’s note: This is a recurring post, regularly updated with new information.

If you own a small business with a fleet of vehicles, a fleet fuel card can help you manage expenses and earn rewards. The best fleet fuel cards are equipped with savings features and expense management tools designed specifically for fleet operations.

These cards typically feature reward rates ranging between 2 to 8 cents per gallon of fuel purchased, and some even provide additional discounts at specific gas stations.

Unlike regular business credit cards, fleet fuel cards are used solely for fuel-related expenses. Keep reading to learn more about the best cards in the fleet fuel space, including which one might be right for your business.

What is a fleet fuel card?

A fleet fuel card is an alternative to a business gas credit card and is specifically designed for businesses with multiple vehicles (a “fleet”).

Related: Top tips for how to save on gas

These cards offer fuel rebates and features to simplify expense tracking and management.

Fleet cards typically function as business charge cards, which means that you must pay your balance in full each month. Some fuel cards allow you to carry a balance, but they usually offer a lower fuel rebate.

Most fleet cards don’t require a personal guarantee, so they tend to be more accessible than traditional business credit cards that require a personal credit check.

Best fleet fuel credit cards

The best fuel fleet cards offer a combination of flexibility, control and savings, with fuel rebates at almost any gas station and additional savings through extensive partner networks. They also give you the ability to track your spending, manage receipts and maintain control over individual card usage. Here are some of the best options currently available.

AtoB Fuel Cards

AtoB offers two fuel cards: AtoB Unlimited and AtoB Flex. With either card, users can enjoy discounts of up to 12 cents per gallon at gas stations and up to 42 cents per gallon on truck diesel, accessed through the AtoB app. AtoB’s cards don’t limit you to a particular fuel brand, although discounts are available at participating stations within the AtoB partner network.

The information for the AtoB Unlimited and AtoB Flex cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Both cards can be used to purchase fuel anywhere that accepts Mastercard and can also be used for other vehicle-related expenses such as maintenance, tolls, and tires.

Coast Fuel Card

The Coast fuel card offers savings of up to 10 cents off on gas purchases and 1% cash back on non-fuel purchases like tires and oil changes. You can use your Coast card anywhere Visa is accepted.

The information for the Coast Fleet Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

With a Coast card, you’ll also gain access to Coast’s expense management platform, which allows you to track spending across all active cards and set parameters for each individual fuel card, including restrictions on certain purchase categories.

Related: Amazon Prime members can now save on gas

Coast also offers fleet tool integrations targeting suspicious fuel transactions and automatically match odometer data to fuel transactions with GPS protection.

WEX Fleet FlexCard

WEX offers a variety of fleet cards, though we recommend the WEX Fleet FlexCard for small businesses. The card has no setup cost or monthly fees and allows you to carry a balance (interest charges may apply). A promotional rebate of 3 cents per gallon is available for the first 180 days.

The information for the WEX Fleet FlexCard has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

While you can only use the card within the WEX network of over 45,000 gas stations, including major chains like BP, Exxon and Shell, the WEX FlexCard includes the expected expense management tools most fleet cards offer.

Fuelman Mixed Fleet Card

Another option to consider is Fuelman, which offers a range of fleet cards, including diesel-only options and access to a network of over 40,000 gas stations.

Cardholders can choose between three different plans, each with its own monthly fee and varying perks (like 24/7 customer service and fraud loss protection):

• Basic: $39/month
• Pro: $59/month
• Enterprise: $99/month

If you’re looking for substantial discounts, the Fuelman Mixed Fleet Card offers a base rebate of 8 cents per gallon for the first year. However, there are additional fees and potential penalties for missed payments or low credit scores.

The information for the Fuelman Mixed Fleet Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related: Comparing gas station credit cards to see what they offer

The card also offers a rewards program where you can redeem gift cards, merchandise, and more.

Shell Card Business

For businesses seeking a cobranded fuel card, the Shell Card Business is designed to help small businesses save at the pump. It offers a 25-cent-per-gallon discount for the first six months and up to 6 cents per gallon thereafter.

The information for the Shell Card Business has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Shell cards can only be used at Shell stations (over 12,000 nationwide) and at participating Jiffy Lube locations, where cardholders can receive 15% off preventative maintenance services. The Shell Business Card does not have setup, annual or monthly fees and allows you to carry over a monthly balance (interest charges may apply).

Exxon Mobil BusinessPro

Another branded fuel card option is the Exxon Mobil BusinessPro™ Card, which offers up to 6 cents off per gallon with no setup, annual or monthly fees. With access to 95% of U.S. gas stations, it provides greater flexibility than the Shell card in terms of where it can be used, and allows you to carry over a monthly balance if necessary (interest charges may apply).

While the Exxon Mobil BusinessPro Card is designed for any business with vehicles, the Exxon Mobil FleetPro™ Card is another great option for businesses with mixed and diesel-driven fleets.

The information for the Exxon Mobile BusinessPro and the Exxon Business Fleet Pro cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Fuel card vs. business gas credit card

Choosing between a fuel card and a business gas card comes down to a few key factors, with fleet size being one of the most important.

If you manage a fleet of five or more vehicles, a fuel card may be the better option, providing robust expense tracking and management tools. On the other hand, if your business operates with fewer than five vehicles, a business gas credit card could be more rewarding, often offering higher reward rates.

Consider how you plan to use the card as well. Fuel cards are designed primarily for fuel and vehicle-related expenses, while business gas credit cards allow purchases beyond gas and maintenance, offering more flexibility.

Bottom line

Fleet fuel credit card features vary, depending on the issuer and partner network., Branded fuel cards offer above-average rebates at specific gas station chains like Shell or Exxon.

Meanwhile, fleet cards that run on major credit card networks, like Visa or Mastercard, offer base rebates of 2 to 3 cents per gallon with the potential for larger rebates through partner networks. With several options available, you’ll want to consider what type of fleet fuel card is right for your business.

Related: What is the best gas rewards program for saving at the pump?