Which has better fuel discounts on the road?

RTS often beats Comdata at Love's Travel Stops on per-gallon discount. Comdata's broader network produces more consistent average discount across all stops.

Does Comdata require a fleet to qualify?

No, but Comdata's onboarding and pricing favor 5+ truck operations. Single-truck owner-operators usually find RTS, AtoB, or EFS more accessible.

Can RTS fuel card be used without RTS factoring?

Yes, but the best discount tiers and the fee waivers usually require an active factoring relationship.

How do per-card spend controls compare?

Comdata leads — per-gallon limits, per-day limits, time-of-day restrictions, and item-level controls are deeper. RTS offers solid basic controls suitable for small fleets.

Which fuel card is better for IFTA reporting?

Both produce IFTA-ready exports. RTS's integration with its TMS makes the workflow tighter for RTS factoring customers; Comdata integrates with most major TMS platforms.

RTS Fuel Card vs Comdata — Fuel Cards Comparison

RTS and Comdata are two of the largest fuel card networks in trucking. Comdata's network is the deepest in the industry; RTS bundles fuel-card with factoring for tighter cash-flow management.

Editorial estimates — verify rates with providers.

Side-by-side

	RTS Fuel Card	Comdata
Tagline	Fuel card paired with RTS Financial factoring for unified cash management.	Largest US fleet-card network with deepest spend controls.
Discount per gallon	$0.10 - $0.40 at preferred stops	$0.05 - $0.30 at preferred stops
Network size	60,000+ truck stops	100,000+ truck stops and travel centers
Billing	Weekly statements, ACH	Weekly statements, ACH or wire
Best for	Owner-operators and small fleets on RTS factoring	Mid-size to large fleets needing granular controls

RTS Fuel Card

Fuel card paired with RTS Financial factoring for unified cash management.

Pros

Strong Love's Travel Stops discounts
Bundled with RTS factoring
Mobile app for trip-level spend tracking
IFTA reporting tools included

Cons

Smaller network than Comdata
Best discounts require RTS factoring relationship
Less granular spend controls than Comdata

Comdata

Largest US fleet-card network with deepest spend controls.

Pros

Largest truck-stop network
Granular per-card and per-driver controls
Fleet-grade spend reporting and integration
Comdata Smart Cards for non-fuel purchases

Cons

Headline discounts often less aggressive than RTS at Love's
Higher monthly fees than RTS for low-volume carriers
Onboarding aimed at fleets — owner-operator UX less polished

Which should you choose?

RTS wins for owner-operators and small fleets, especially those already on RTS factoring — the bundled discount-and-cash-flow management is hard to beat. Comdata wins for fleets above 10 trucks where granular spend controls and the largest possible network matter more than headline per-gallon discount.

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FAQs

Which has better fuel discounts on the road?: RTS often beats Comdata at Love's Travel Stops on per-gallon discount. Comdata's broader network produces more consistent average discount across all stops.
Does Comdata require a fleet to qualify?: No, but Comdata's onboarding and pricing favor 5+ truck operations. Single-truck owner-operators usually find RTS, AtoB, or EFS more accessible.
Can RTS fuel card be used without RTS factoring?: Yes, but the best discount tiers and the fee waivers usually require an active factoring relationship.
How do per-card spend controls compare?: Comdata leads — per-gallon limits, per-day limits, time-of-day restrictions, and item-level controls are deeper. RTS offers solid basic controls suitable for small fleets.
Which fuel card is better for IFTA reporting?: Both produce IFTA-ready exports. RTS's integration with its TMS makes the workflow tighter for RTS factoring customers; Comdata integrates with most major TMS platforms.