Best Fuel Cards for Truckers
Up to $0.50/gal off at TA, Petro, and Pilot Flying J. Free signup, soft pull, same-week card delivery on top picks.
- Save $5k+ /yr at 10k mi/mo
- $0 signup on top picks
- Card in 3–7 days
- No FICO minimum
- Spend controls included
Top fuel cards for truckers
Compare network coverage, discount levels, and setup fees side by side.
| Provider | Best for | Rate / cost range | Min requirements | Action |
|---|---|---|---|---|
RTS Financial Same day | Mid-size fleets needing back-office support | 1.5%–3.5% per invoice |
| Get matched |
RTS Fuel Card Card in 5–7 days | Owner-operators bundling factoring + fuel | $0 setup; up to $0.50/gal saved at TA/Petro |
| Get matched |
Comdata Card in 7–10 days | Mid-size to large fleets | Variable per network; volume tiers |
| Get matched |
EFS (WEX) Card in 7–10 days | Fleets needing controls and limits | Variable; rebate tiers |
| Get matched |
AtoB Fuel Card Card in 3–5 days | Owner-operators and new fleets | $0 setup; up to $0.40/gal saved |
| Get matched |
Fuelman Card in 7–10 days | Regional fleets | Variable rebate tiers |
| Get matched |
Rates and requirements are editorial estimates. Verify with the provider before signing.
Why use truckers.finance
Real per-gallon savings
Top cards save $0.30–$0.50/gal at TA/Petro and major lots. That's $5k–$9k/yr for an owner-op.
No setup fees
Modern issuers like RTS and AtoB are free to start with no monthly minimum.
Spend controls
Per-driver, per-day, per-category limits. PIN protection. Real-time fraud alerts.
Cash advance + scales
Most cards work for cash advances, scales, DEF, parts, and tires — not just fuel.
Soft pull underwriting
Active MC authority and a business bank account are typically all you need. No FICO check.
Stack with your factor
Bundle with your factor's card for funding incentives, then add a second card for off-network savings.
Who qualifies
- Active MC authority
- EIN and business bank account (30+ days old)
- No minimum FICO required
- No minimum monthly fuel volume on most cards
- Some issuers require a small security deposit on bad-credit business
Frequently asked questions
- How much can a fuel card actually save me?
- Owner-operators running 10,000 miles/month at 6.5 mpg burn ~1,540 gallons. At $0.30–$0.50/gal off, that's $462–$770/month — $5,500–$9,200/year — without changing where you fuel.
- Are fuel cards free?
- Most modern issuers (RTS, AtoB) are free to set up and free monthly with no minimum spend. Legacy programs (Comdata, EFS) may charge $0–$10/month per card depending on your fleet contract.
- Where does each card give the biggest discount?
- RTS and Comdata: TA/Petro network is strongest. EFS: Pilot Flying J. AtoB: broad — TA, Petro, Pilot, and Love's all see savings. Always run the numbers based on YOUR lane, not a marketing chart.
- Will I qualify with bad credit?
- Yes. Most fuel cards do soft-pull underwriting on the business, not the owner. Active MC authority and a 30-day-old business bank account are the typical bar. Some require a small security deposit.
- How fast does the discount actually hit my account?
- Most modern cards (RTS, AtoB) discount at the pump — what you see on the receipt is what you pay. Older cards rebate weekly or monthly via statement credit.
- Can I use a fuel card for tires, repairs, or scales?
- Many cards (Comdata, EFS, Fuelman) work for parts, tires, scales, and DEF as well as fuel. Set spend limits per category to keep drivers in line.
- Does my factor make me use their fuel card?
- Most factors offer a bundled card and incentivize use (e.g. faster funding, account fee waivers) but don't require it. Stack multiple cards if their networks complement each other.
- What spend controls do fuel cards offer?
- Per-driver limits, per-day limits, geographic restrictions, time-of-day limits, MCC blocks (no booze, no bobtail purchases), real-time alerts, and PIN protection. Critical for fleets of 3+.
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