Are AtoB's discounts actually better than EFS?

AtoB's flat-rate discounts are easier to predict; EFS's volume-tier discounts can beat AtoB at high volume but underperform at low volume. Run your projected gallons through both to compare.

Is EFS the same as Comdata?

No — EFS and Comdata are separate brands but both are owned by FLEETCOR (now Corpay) and share network coverage at most truck stops.

Can I get an AtoB card with no business history?

AtoB onboards new authorities and even pre-revenue applicants more easily than EFS. EFS prefers established carriers with revenue history.

Which has better mobile app?

AtoB is mobile-first and noticeably more polished. EFS has a functional app but it's clearly a newer add-on to a legacy product.

Are there fees on either card?

Both have account fees; AtoB's are generally more transparent. EFS's fee structure varies by volume tier and can be opaque without a clear breakdown from sales.

AtoB vs EFS Fleet Card — Fuel Cards Comparison

AtoB is the modern challenger in the fleet-card space — transparent pricing, mobile-first UX, owner-operator-friendly onboarding. EFS is the long-standing incumbent (now owned by WEX) with deep IFTA reporting and Comdata-network integration.

Editorial estimates — verify rates with providers.

Side-by-side

	AtoB	EFS Fleet Card
Tagline	Modern fleet card with transparent pricing and strong owner-operator UX.	Legacy fleet card (now WEX) with deep IFTA reporting and Comdata-network integration.
Discount per gallon	$0.05 - $0.25 transparent flat rate	Variable based on volume tiers
Network size	Major truck stops + Mastercard backup	Comdata-network truck stops + EFS direct
Billing	Weekly ACH	Weekly statements, ACH
Best for	Owner-operators and small fleets wanting clean UX	Mid-size fleets wanting depth in reporting and IFTA

AtoB

Modern fleet card with transparent pricing and strong owner-operator UX.

Pros

Transparent flat-rate per-gallon discounts
Mobile app with real-time transaction views
Easy onboarding for owner-operators
No long-term contracts

Cons

Smaller network than EFS at top truck stops
Less integration depth with legacy TMS systems
Newer player with shorter operational history

EFS Fleet Card

Legacy fleet card (now WEX) with deep IFTA reporting and Comdata-network integration.

Pros

Deep IFTA reporting tools
Integration with Comdata-network truck stops
Long operational history and stability
Strong fleet-grade reporting

Cons

Less transparent fee structure than AtoB
Mobile experience less polished
Owner-operator onboarding can be slower

Which should you choose?

Pick AtoB if you're a single-truck owner-operator or small fleet who values transparent pricing and a clean mobile experience. Pick EFS if you're a mid-size fleet that already runs Comdata-network truck stops or needs the deepest possible IFTA reporting tools.

Get quotes from both providers

Submit one profile and we'll match you with AtoB, EFS Fleet Card, and other vetted fuel cards providers.

FAQs

Are AtoB's discounts actually better than EFS?: AtoB's flat-rate discounts are easier to predict; EFS's volume-tier discounts can beat AtoB at high volume but underperform at low volume. Run your projected gallons through both to compare.
Is EFS the same as Comdata?: No — EFS and Comdata are separate brands but both are owned by FLEETCOR (now Corpay) and share network coverage at most truck stops.
Can I get an AtoB card with no business history?: AtoB onboards new authorities and even pre-revenue applicants more easily than EFS. EFS prefers established carriers with revenue history.
Which has better mobile app?: AtoB is mobile-first and noticeably more polished. EFS has a functional app but it's clearly a newer add-on to a legacy product.
Are there fees on either card?: Both have account fees; AtoB's are generally more transparent. EFS's fee structure varies by volume tier and can be opaque without a clear breakdown from sales.