The Best Fuel Cards with Discounts in 2024

One of the main advantages of using a fleet fuel card, besides the oversight it gives you on spending, is the discounts on fuel. But with so many fuel cards on the market, it can be hard to compare them and figure out which one will save you the most money.

We’ve made it easy for you by compiling a list of the best fuel cards for discounts. Featured on our list is the BP Solutions Business Mastercard, which can save you up to 7¢ per gallon, and the Shell Fleet Plus card, which can save you up to 6¢ per gallon.

Our guide will cover key stats, like discount levels, network coverage, and essential features, so you can find a card that not only affords you high discounts but fits your fleet’s needs.

Best Fuel Cards With Discounts: Quick Overview

Here’s a quick side-by-side look at the fuel cards that offer the best discounts:

1. BP Business Solutions Mastercard

Savings: Up to 7¢ per gallon, with higher rebates for higher fuel usage.

What discounts can you get with the Business Solutions Mastercard?

The BP Business Solutions Mastercard offers volume-based discounts. The higher the volume of gas used per month, the higher the discount. Once you’ve hit 10,000 gallons in a given month, the discount caps at 7¢ off per gallon.

Where is the Business Solutions Mastercard accepted?

The card can be used at over 6,900 BP and Amoco locations in the U.S. and any station that accepts Mastercard. However, using it outside BP and Amoco stations comes with an out-of-network fee of up to $2, and you won’t get discounts on those purchases.

Most BP and Amoco stations are located along the East Coast and in the Midwest, so if you operate outside of these regions, you might want to consider another card provider.

Management and reporting features

BP’s Business Solutions software collects all your account statements, reports, and other information—such as costs per mile and per gallon in one location for easy analysis. You can also create and customize your own reports, with organization by driver, vehicle, MPG, exception, and more.

Unfortunately, BP doesn’t have a mobile app.

Security features

The Business Solutions Mastercard provides security checks both at the pump and from afar.

To use the card for refueling, your drivers will need to provide their driver’s license ID numbers, as well as an odometer reading for their vehicle.

Managers can track these purchases from their offices in real-time and deactivate cards immediately. This means potential fraud will be noticed and prevented sooner rather than later.

Finally, you can tailor your spending limits on a daily, weekly, or monthly basis, depending on your business’s specific expense cycles.

2. Shell Fleet Plus

Savings: Up to 6¢ per gallon, with higher rebates for higher fuel usage

What discounts can you get with the Shell Fleet Plus card?

Like the BP Business Solutions Mastercard, the Shell Fleet Plus card offers volume-based discounts. Your discount per gallon rises with the amount of fuel you use per month. Once you reach 10,000 gallons in a given month, your discount settles at 6¢ off per gallon.

Where is the Shell Fleet Plus card accepted?

The Fleet Plus card is accepted at every Shell station in the United States—just under 13,000. Additionally, certain participating Jiffy Lube locations across the country accept the Fleet Plus card for maintenance services like oil changes, offering up to a 15% discount.

Though Shell has a strong presence throughout most of the U.S., certain states have limited coverage. If your business operates primarily in Montana, Wyoming, or the Dakotas, the Shell Fleet Plus card may not be the best choice.

Management and reporting features

The Shell Fleet Plus card comes with both desktop and mobile software solutions.

ClearView is Shell’s business spend management solution. It comes in two versions:

• ClearView Essentials is for big fleets that need to process and organize large amounts of data into customized reports.
• ClearView snap is for smaller businesses that prefer automatically generated reports.

WEX Fleet SmartHub is a mobile app for making time-sensitive changes on the go. You can cancel cards, view transaction history, pull up your drivers’ IDs, see your available credit, and more.

Security features

The Shell Fleet Plus card allows you to control spending and prevent fraud by setting limits on what can be purchased, how much can be spent, and when purchases can be made. You can also easily activate, suspend, or terminate cards using online or mobile tools.

That said, the Fleet Plus card lacks other basic card security features, such as pin code protection at the pump and alerts for unusual activity patterns.

When you use the Shell Fleet Plus card, your drivers will also get access to roadside assistance through the National Automobile Club (NAC).

3. AtoB Unlimited

Savings: AtoB offers an average of 46¢ off per gallon of diesel, and 5¢ per gallon of unleaded gas through the AtoB Driver App, but this number is not guaranteed.

What discounts can you get with the AtoB Unlimited card?

AtoB requires three months of card use before you become eligible for discounts. After those three months, drivers can pay through the AtoB Driver App to receive very high discounts of 5¢ per gallon for unleaded fuel and 46¢ per gallon for truck diesel on average. Discounts for diesel can go as high as $1.85 off per gallon.

Keep in mind, that these numbers are not a guarantee, and depend on how much fuel your fleet consumes.

Since this is a prepaid card, you don’t have to worry about qualifying for a line of credit or doling out late payment fees.

Where is the AtoB Unlimited card accepted?

The AtoB Unlimited card works at any gas station that accepts Visa, making it one of the most widely accepted fleet cards on this list.

Management and reporting features

The software solutions available to you depend on whether you choose AtoB’s Basic Tier or Premium Tier service.

Basic Tier provides essential features for managing fuel purchases and tracking expenses. It also lets you assign AtoB Cards to drivers and transfer funds to a driver’s card directly through AtoB Payroll. It costs $3 per card per month.

Premium Tier comes with the same features, as well as additional perks like optimal station selection through the AtoB Driver App, easy report export to Excel, and multi-user dashboard logins. Premium Tier customers also get priority customer support, resulting in shorter wait times compared to Basic Tier customers. It costs $6 per card per month.

Security features

The AtoB Unlimited card has a strong set of security features. Most notably, it uses telematics—which is a technology that tracks vehicle location—to make sure gas purchases match your drivers’ locations.

Only authorized users can unlock the card, as a PIN is required for every transaction. You can set spending limits, deactivate the card if needed, and get alerts for suspicious activity. You can also control which types of stores the card can be used at with customizable merchant category restrictions.

4. WEX Fleet Card

Savings: The WEX Fleet Card offers discounts of up to 3¢ per gallon.

What discounts can you get with the WEX Fleet Card?

The WEX Fleet Card offers discounts of 3¢ per gallon. This is a volume-based discount, with more fuel resulting in higher savings—but WEX doesn’t provide the specific discount tiers.

This card makes up for its low fuel discount by offering additional discounts on other fleet-related expenses via the WEX EDGE Savings Network. Discounts are available for auto services, tires, hotel stays, auto parts, and more.

As far as fees go, the WEX Fleet Card operates under fully bespoke pricing—you’ll need to contact its team for a quote.

Where is the WEX Fleet Card accepted?

The WEX Fleet Card is accepted at 95% of gas stations across the United States, as well as more than 45,000 auto service locations. WEX has one of the biggest networks of any fleet card provider.

Management and reporting features

The WEX Fleet Card software included automated accounting and customized reports, including data like purchase activity, transaction summaries, exceptions, and tax exemptions. This information can be accessed directly from your account dashboard on WEX’s website.

WEX also offers two mobile apps:

• The WEX Connect app helps your drivers find gas stations and service centers by price, brand, distance, or location.
• The WEX Fleet SmartHub app allows you to quickly view transaction history, cancel cards, see your available credit, look up your drivers’ IDs, and more.

Security features

The WEX Fleet Card allows you to set customized spending controls, allowing gas purchases only during certain times and days, and within specified transaction limits.

Managers will receive alerts for unusual activity and can track transactions in real-time, with details on location, vehicle, and driver. Cards can be deactivated remotely if fraud is detected.

At the pump, the WEX Fleet Card requires both PIN code verification and odometer readings from drivers before purchases can be made.

How to Find the Best Fleet Fuel Card

Discounts aren’t the only thing you should consider when choosing a fleet fuel card. You should also make sure the network coverage extends to where your fleet operates, and compare savings to monthly fees, so you can be sure you’re getting good value for money.

Here’s a guide to getting set up with a fuel card:

1. Credit check for eligibility

First, check your credit score to see what cards you’ll qualify for. You can get a free copy of your credit report from AnnualCreditReport.com, Equifax or TransUnion. If you have a poor credit score, you still have options. Some providers are less strict than others, and pre-paid fuel cards like AtoB Unlimited require no credit check at all.

2. Consider the specific requirements of your company

No two fuel cards are the same. Some are made with large fleets in mind, while others are geared towards smaller businesses. Look out for card fees and the savings you can make on gas through rebates or fixed tariff rates. You should also consider factors such as the gas station network – some cards have near-universal US coverage while some are more limited to a specific area.

3. Research your options

Once you’ve understood what you are looking for in a fuel card, you can begin to search through the available options. You should look at monthly card and account costs (bearing in mind that some providers don’t charge fees), and compare them to how much you’ll save on gas with the rebates offered. This will give you an idea of what fuel cards fit your budget. There are a lot of choices out there, so this can be a time-consuming process. You can speed up this stage by using our free comparison tool. Just answer a few simple questions and we’ll match you with providers who suit your needs.

4. Check for extra perks

While fuel cards can help you save on gas purchases, they can also offer extra perks that help drive extra savings. Some providers offer accounting features and insights into fuel consumption and miles per gallon. Some cards are also valid for purchasing non-fuel-related products, such as engine lubricants, tires, cleaning, and parking fees, or can grant you access to savings on hotel stays, food, and other extras.

5. Submit your application

Applying for a fuel card is usually a straightforward process done online, over the phone, or by mail. Following a successful application, you should receive your card within 7-10 business days.

How We Rank the Best Fuel Cards for Discounts