The best credit cards for fleet fuel
Editor's Note
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?
TPG featured card
Rewards
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Rewards Rate
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.As High As 100,000 points. Find Out Your Offer.Annual Fee
$325Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Excellent to Good
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.