AtoB is a fintech fleet fuel card built for businesses that want nationwide acceptance, tighter controls, and detailed fuel reporting. Since it runs on the Mastercard network, drivers can fuel almost anywhere, while fleet managers can set spending limits, restrict fueling by time and day, and monitor purchases in one place.
While AtoB works well for many fleet types, what makes it stand out is its trucking-first approach. It’s built around truck stop discounts, app-based tools that help drivers find cheaper stops along their routes, and added savings on eligible non-fuel spend like maintenance and fleet washes. In this review, we’ll break down how AtoB works, where it’s accepted, what discounts and fees to expect, and the controls and reporting you get with the platform. We’ll also cover the biggest pros and cons, plus alternatives, so you can decide if AtoB is the right fit for your business.
Table of Contents
- AtoB fuel card: overview
- What is the AtoB fuel card?
- Where is the AtoB fuel card accepted?
- AtoB fuel card discounts
- AtoB fuel card fees
- AtoB fuel card controls and reporting
- Pros and cons of the AtoB fuel card
- AtoB alternatives
AtoB Fuel Card: Overview
| AtoB Fuel Card | |
| Accepting Locations | Anywhere Mastercard is accepted |
| Discounts | Estimated 45¢/gal on diesel at truck stops; estimated 5¢/gal at gas stations |
| Monthly card fee | $3-6 per card |
| Late fee | 9% |
| Reviews | Trustpilot: 4.7/5 |
| Fraud protection | Fraud loss coverage up to $250,000 based on eligibility and fleet size |
| Controls | Spend limits, restrict fueling times and days, merchant blacklist, SMS or app unlock |
| Reporting | Transaction reports, fuel summary reports, and IFTA reports. |
What Is the AtoB Fuel Card?
AtoB is a fleet fuel card built for businesses that want tighter control and cleaner reporting across a nationwide network. Fleet managers can set customizable spending controls, track purchases by driver and vehicle, and review detailed transaction data in one portal. For approval, AtoB reviews your business revenue history to match you with the right setup, either a prepaid option or a charge card with a weekly credit line, and they position this as a way to avoid a traditional credit check.
On the driver side, AtoB pushes app-based fueling with an interactive driver app that shows real-time fuel prices and available discounts along the route, so drivers can find the best stop without guessing.
AtoB is especially popular with trucking fleets that fuel at truck stops thanks to its truck stop focused discount model, and it can also consolidate fuel plus other eligible vehicle expenses like maintenance and truck washes into one platform for easier tracking and reporting.
Where Is the AtoB Fuel Card Accepted?
Since AtoB runs on the Mastercard network, it works at any gas station or truck stop that accepts Mastercard. And because Mastercard is one of the most widely accepted card networks in the United States, AtoB will work almost anywhere your drivers fuel up.
AtoB Fuel Card Discounts
AtoB offers discounts averaging 45¢ per gallon on diesel at 4,200+ truck stops and 5¢ per gallon on unleaded and diesel at 30,000+ gas stations. With strong truck stop diesel savings, it’s a solid fit for trucking fleets that fuel at truck stops. AtoB also provides discounts on non-fuel purchases like maintenance, truck washes, and more.
Fuel Discounts
Here are the fuel station brands where AtoB offers discounts, separated into brands with discounts at all locations and brands with discounts at select locations.
| Brandwide Discounts | Discounts at Select Locations |
| 76 | AMBEST |
| 7-Eleven | BP |
| Allsup’s | Cenex |
| Alltown Fresh | DK |
| Ayerco | ExxonMobil |
| Casey’s | Gulf |
| Certified | Haymakers |
| Circle K | Shell |
| Citgo | Xtra Fuels |
| Cumberland Farms | |
| Fastrac | |
| Global | |
| Kum & Go | |
| Kwik Star | |
| Kwik Trip | |
| Loaf ’N Jug | |
| Maverik | |
| Minit Mart | |
| Niemann Foods, Inc. | |
| Petroleum Wholesale L.P. | |
| Quik Stop | |
| RaceTrac | |
| Raceway | |
| Rutter’s | |
| Sapp Bros. Travel Centers | |
| Sheetz | |
| Speedway | |
| Stripes | |
| Sunoco | |
| TA | |
| TA Express | |
| Tom Thumb | |
| Toot’n Totum | |
| Turkey Hill | |
| yesway |
Other Discounts
| Brand | Discount |
| Pep Boys Fleet | 10%-35% off |
| Rush Centers | 5% cash-back |
| Fleetwash | 5% cash-back |
| Kogler | 30% off on truck comfort products |
| Bestpass | 1 month free toll management |
| TruckSuite | $250 off your AtoB Fuel Statement when you use Trucksuite for your vehicle warranty |
| Kyte | $30 off your first rental vehicle booking |
AtoB Fuel Card Fees
AtoB charges a $35 account setup fee. After that, pricing is $3 per card per month on the Basic plan, or $6 per card per month on Premium, which includes additional features.
AtoB also offers a credit enablement option for fleets that don’t qualify under its standard credit terms. For an additional fee, it gives businesses building or rebuilding credit access to a fuel card while they establish payment history.
| Fee | Amount |
| Monthly card fee |
|
| Late fee | 9% |
| Account setup fee | $35 |
| Credit enablement account fees | Account setup fee $75, up to 30 cents per gallon for a fixed duration of time |
AtoB Fuel Card Controls and Reporting
Controls
- Limit purchases by product category: Choose the product categories you want to allow or block, such as fuel, maintenance, hardware, etc.
- Allow/Block merchants: Limit purchases to specific merchants, or block purchases at specific merchants.
- Card Unlock: Optional control to require drivers to use the AtoB app or text the AtoB number to unlock the fuel card before using it at the pump.
- Spend limits: Dollar amount a driver can purchase per transaction, day, or week.
- Day of week: Days when a card can be used.
- Time of day: Hours when a card can be used.
- Merchant proximity restriction (requires telematics integration): Decline transaction if vehicle is too far away from station.
- Fraud protection: Real-time fraud monitoring and alerts, chip in every card, SMS or App unlock before fueling.
- Fraud loss coverage: Fraud loss coverage for fuel purchases up to $250K per account per year.
Reporting
- Transaction reports: Download detailed transaction reports by time period and filter reports by card, driver, vehicle, or department.
- Fuel summary reports: Access summarized reports on suspicious transactions, optimal fueling opportunities, and driver and vehicle performance.
- IFTA report: Download a report of IFTA transactions, including gallons purchased by vehicle by jurisdiction.
Pros and Cons of the AtoB Fuel Card
Pros
- Works almost everywhere, so drivers aren’t hunting for a specific station
- Strong savings at 4,200 truck stops
- Solid fraud coverage policy
Cons
- Mastercard network has fewer purchase restrictions than traditional fleet card networks
AtoB Alternatives
If you want to compare other fuel card options similar to AtoB, check out the 10 best fuel cards for business in 2026.
One strong alternative is the Voyager fuel card, which offers:
- Accepted at 97% of fuel stations
- No monthly card fees, account setup fees, late fees, or extended network fees
- Trustpilot rating: 4.8/5
- Free fraud loss coverage
