Stop overpaying at the pump.
Fuel is the biggest line on your P&L. These are the fuel cards and discount programs worth running — compared side by side on savings, fees, network and credit requirements. Every purchase still lands in HaulBooks as a tracked expense.
Savings estimator
Estimated fuel savings per year
$2,940
Estimate only. Actual savings depend on your lanes, network and the provider's current pricing.
Compare the programs
Mudflap
Instant per-gallon discounts, no card and no credit check.
Up to $0.90 off per gallon at 1,000+ truck stops
- Best for
- Owner-operators who want savings today without an application
- Network
- Independent truck stops plus major chains
- Fees
- No monthly fee, no annual fee
- Credit check
- None — pay with your existing debit or credit card
- Discount shown before you pump
- Works from the phone, no physical card
- Receipts export straight into HaulBooks
AtoB
A real fleet card built for small trucking businesses.
Average $0.30–$0.50 off per gallon plus fraud controls
- Best for
- Fleets of 2–15 trucks that need spend controls per driver
- Network
- Accepted anywhere Visa is, discounts at partner stops
- Fees
- No hidden card fees on the standard plan
- Credit check
- Soft check, no personal guarantee for most fleets
- Per-driver spend limits and category blocks
- Real-time fraud alerts
- CSV exports that reconcile with HaulBooks expenses
TCS Fuel Card
Deep discounts at the big chains, no credit check.
Average $0.42+ off per gallon at 1,500+ in-network stops
- Best for
- Long-haul owner-operators running national lanes
- Network
- Pilot, Flying J, TA, Petro, Love's and more
- Fees
- No setup fee, no annual fee; small per-transaction fee
- Credit check
- No credit check
- Discounts posted at the pump, not as a rebate
- Cash advances available
- 24/7 support line
RTS Fuel Card
Fuel savings bundled with factoring if you need it.
Average $0.25–$0.45 off per gallon in-network
- Best for
- Carriers who also factor invoices and want one statement
- Network
- 1,600+ locations nationwide
- Fees
- No monthly minimum for factoring clients
- Credit check
- No credit check for factoring clients
- Fuel finder with live in-network pricing
- Discounts settle against factoring advances
- Driver-level cards
WEX Fleet Card
The widest acceptance network in North America.
Rebates up to $0.10+ per gallon with volume tiers
- Best for
- Mixed fleets running both diesel and light-duty vehicles
- Network
- 95%+ of US fuel stations
- Fees
- Monthly card fee depending on program
- Credit check
- Credit application required
- Level III purchase data for clean books
- Driver ID and odometer prompts
- Works for pickups, vans and reefers too
Comdata
Fleet-grade controls and settlement for growing carriers.
Negotiated network pricing and volume rebates
- Best for
- Fleets of 10+ trucks with driver settlements to run
- Network
- 8,000+ truck stops and service locations
- Fees
- Program-dependent
- Credit check
- Credit application required
- Driver payroll and settlement on the same card
- Granular purchase controls
- Maintenance and tire program pricing
Get the most out of any fuel card
- •Run two programs: a discount app for independents, a fleet card for the big chains.
- •Always check in-network pricing before you pull in — a $0.40 discount at the wrong stop still loses to a cheap independent.
- •Fuel up in low-tax states, but log the gallons: IFTA settles the difference either way.
- •Push every fuel purchase into HaulBooks so your IFTA gallons and MPG stay accurate.
- •Use driver-level cards and spend limits so fuel theft shows up the same day.
- •Re-check your rebate tier quarterly — volume moves your per-gallon rate.
Track the savings, not just the discount
HaulBooks logs every gallon by truck and state so you can see what the card is actually saving you — and have your IFTA worksheet ready when the quarter closes.
Start 7-day free trialHaulBooks may earn a commission when you sign up for a fuel card through the links on this page. It never changes your price, and we only list programs we'd put in our own trucks. Discounts, fees and approval terms are set by each provider and can change — confirm the current offer on their site before enrolling.