The 5 Best Business Fuel Cards With No Credit Check

Business fuel cards make it easier to operate your fleet by giving you control over employees’ gas purchases and eliminating the need for drivers to pay for fuel out of pocket. However, if you own a new business or your personal credit is less than stellar, it can be difficult to get approved for a fuel card.

The good news is several fuel card companies now issue gas cards to businesses without requiring a credit check first. Prepaid fuel cards, debit cards, and secured credit cards are all excellent options that offer many of the same benefits as traditional fleet credit cards.

It’s important to choose the right card so you get the convenience and fleet management data you need without paying unnecessary fees. In this guide, we’ll review the five best business fuel cards with no credit check available right now.

Short on Time? Here Are the 5 Best Fuel Cards With No Credit Check

• AtoB Unlimited: Prepaid fuel card offering up to $0.42 off per gallon on diesel and excellent spend management tools.
• DAT One Fuel Card: Free prepaid card with discounts up to $1.73 per gallon at in-network fuel stations.
• Roadflex Unlimited: Flexible prepaid fuel card with a huge gas station network and telematics integration.
• PEX Prepaid: General-purpose prepaid business card with digital receipt capture and flexible spend management.
• Discover it Secured Credit Card: Secured credit card offering 2% cashback on gas and support for building your credit.

Why Opt for a No Credit Check Fuel Card?

The most common reason to consider a no credit check fuel card is if your business or personal credit isn’t great. In that case, you might have a hard time getting approved for a traditional fuel card. Regular fuel cards are a lot like business credit cards, and they almost always require a credit check.

However, that’s not the only instance in which it makes sense to choose a no credit check card. Credit checks can be invasive, and you may not want to share your personal information or sensitive financial information about your business.

Undergoing a credit check can also negatively impact your credit score, which isn’t beneficial if you’re hoping to take out a business loan or a loan for a new fleet vehicle soon.

Types of No Credit Check Fuel Cards

There are three main types of business fuel cards that don’t require a credit check.

Prepaid fuel cards

Prepaid fuel cards are the most common type of business fuel cards with no credit check. With this type of card, you load money onto your fuel card before your drivers use it to purchase gas. You can monitor your balance online and add funds to your card at any time.

Notably, prepaid fuel cards are often issued by the same fuel card companies that offer fuel credit cards. So, you can easily switch to a traditional fuel card after building up your credit.

Prepaid fuel cards work very well, but they can be challenging to use if your fleet uses a lot of gas or if your business has trouble with cash flow. You’ll need to be careful to keep your cards topped up or else your drivers could find themselves at a gas station with no way to pay for fuel.

Secured fuel cards

Secured fuel cards work a lot like traditional fuel cards but with an important twist. Instead of the card provider giving you the card and trusting that you’ll pay your fuel bill at the end of the month, you must first deposit money into an escrow account.

This deposit represents your credit limit, and it remains untouched as long as you pay your card balance on time each month. If you were to fall behind on your fuel payments, your card provider could take funds from your deposit.

Secured fuel cards can help you build your business’ credit score in addition to making it easier to buy gas. However, they can have steeper fees compared to prepaid fuel cards.

Business debit cards

Business debit cards are connected directly to your business bank account and enable you to draw funds to purchase fuel. They aren’t exactly fuel cards, but they often have low fees and you can get them from your current business banking provider.

The downside to using debit cards to buy fuel is that they don’t offer as many spending controls as dedicated fuel cards. For example, you may not be able to limit drivers making purchases at gas stations only. Business debit cards also typically don’t offer the same fuel discounts as dedicated fuel cards.

The 5 Best Business Fuel Cards With No Credit Check

Check out the table below for a quick side-by-side comparison of the best no-credit check business fuel cards. For a more detailed review, keep reading.

1. AtoB Unlimited

The AtoB Unlimited card is one of the best prepaid fuel cards for discounts on gas. You’ll get up to $0.42 off per gallon of diesel when you fuel up at stations like Kwik Trip, Sheetz, TA, Speedway, and more. The card’s network includes more than 30,000 gas stations across the US, so your drivers won’t have trouble finding a place to fuel up.

The AtoB platform is also impressive. It gives you in-depth information about how much fuel your fleet is using, where drivers are buying gas, and the balances on each of your cards. You can set spending limits for each driver, decide whether to enable purchases on maintenance-related expenses, and get real-time notifications about suspicious transactions.

The AtoB Unlimited card includes a flat setup fee of $35 per account, plus a monthly fee of $3 per card. You can add AtoB Premium for an additional $3 per card per month to get integration with your fleet’s electronic logging device (ELD) software, as well as an app for drivers to help them find the cheapest in-network gas stations, and extra card security features.

2. DAT One Fuel Card

The DAT One Fuel Card is one of the best prepaid no credit check fuel cards for truckers. It offers discounts up to $1.73 per gallon at more than 1,500 in-network fueling stations. Long-haul fleets will get the most out of this card since you can use the included OTR Solutions mobile app to plan routes around in-network gas stations.

If you refuel out of network, the DAT One Fuel Card still works and still delivers a sizable discount. You’ll save an average of $0.51 per gallon of diesel at out-of-network fueling stations.

You can load funds onto the DAT One Fuel Card easily and check your balance at any time. The card is limited to making purchases at gas stations and doesn’t offer any spend management features. On the bright side, you can easily integrate it with most fleet management platforms for monitoring your fuel expenses.

The DAT One Fuel Card has no annual fee or transaction fees. So, while it may not be the most feature-rich card, it’s a great option if you’re looking for a prepaid fuel card with no fees.

3. Roadflex Unlimited

Roadflex Unlimited is a prepaid Visa fuel card that works at all gas stations nationwide and offers a discount of $0.03 per gallon everywhere you go. It also has a network of more than 150,000 fuel stations where you can get an average discount of $0.43 per gallon.

The Roadflex Unlimited stands out for its excellent spend management features. You can enable gas purchases only or let drivers use the card for parking, maintenance, and other fleet-related expenses. You can also set spending limits for each driver and require two-factor authentication before purchases to prevent fraudulent transactions.

Roadflex’s dashboard lets you analyze fleet expenses, so it’s easy to spot opportunities to save gas and cut your costs. In addition, while the card must be prepaid, all of your spending is reported to Experian to help you build credit.

The Roadflex Unlimited requires a $25 one-time account setup fee, and you’ll pay $3 per card per month. Advanced features like telematics integration are available for an extra cost—you must contact Roadflex for a quote.

4. PEX Prepaid

PEX is a prepaid business card that can be used for fuel purchases and anything else your team needs. It’s not a dedicated fuel card, but you can limit purchase categories if you only want your employees to purchase fuel. However, it also offers flexibility if your team needs to make other purchases like office supplies and meals.

The PEX mobile app makes it easy to keep track of your business’ spending on the go and you’ll get real-time reporting on new transactions. Employees can take photos of gas station receipts, eliminating the need for storing paper receipts after every fill-up. PEX also integrates with the most popular accounting software, making it easy to analyze your spending and manage business taxes.

PEX offers a free account with up to five cards. Larger businesses can choose from two pricing plans: $75 per month for up to 20 cards or $200 per month for up to 200 cards. You can also add additional cards to any plan for an additional charge.

5. Discover it Secured Credit Card

The Discover it Secured Credit Card isn’t a dedicated fuel card, but rather a secured credit card that offers enticing rewards for fuel purchases. You’ll earn 2% cashback on gas up to $1,000 per quarter, plus 1% cashback on all other purchases your team makes. Even better, Discover will double the cashback you’ve earned in your first year as a cardholder on your first card anniversary.

There’s no fee for this card, which makes it a great alternative to the other top-rated no credit check fuel cards we reviewed. However, any balance you carry over from month to month incurs interest at 28.24% APR. So, you’ll want to make sure you pay off your fuel bill on time every month.

There are a few important drawbacks to the Discover it card to keep in mind. First, Discover isn’t accepted everywhere. Most gas stations accept Discover, but your drivers might occasionally get turned away.

In addition, since this isn’t a dedicated fuel card, it doesn’t limit purchases to gas stations. You also can’t integrate it with your fleet’s telematics system or easily analyze your fuel expenses. With that in mind, this card is best for small businesses that only have a few trusted drivers and don’t need deep fleet management features.

How We Evaluated the Best No Credit Check Fuel Cards