AtoB vs. Fuelman: Fleet Fuel Card Comparison [2027]

AtoB and Fuelman are two popular fleet fuel cards that offer nationwide acceptance, fuel discounts, purchasing controls, and fraud protection. However, there are some important differences in how the cards work, their fees, and the discounts they offer.

AtoB stands out for its larger diesel discounts at truck stops, Mastercard acceptance, and additional fraud protection features. Fuelman, on the other hand, offers consistent fuel discounts at participating locations and charges monthly fees per account rather than per card.

So which fuel card is the better option for your business? In this guide, we'll compare AtoB and Fuelman side by side, including accepting locations, discounts, fees, customer reviews, fraud protection, and reporting. We'll also look at alternatives to help you decide which fuel card best fits your fleet's needs.

AtoB vs. Fuelman: Overview

Use this chart to quickly compare the two fuel card companies. We've gathered information from their websites and third-party review sites to help you see the key differences.

AtoB vs. Fuelman: Accepting Locations

AtoB runs on the Mastercard Fleet network, meaning it's accepted at any fuel station that accepts Mastercard. Fuelman, on the other hand, runs on a dedicated fuel network of 60,000 stations nationwide.

Fuelman also offers a Mastercard version of its fuel card that provides the same Mastercard acceptance as AtoB. However, the discounts are different from Fuelman's standard fuel card program.

AtoB vs. Fuelman: Discounts

AtoB offers larger diesel discounts at 4,200+ truck stops, averaging 42¢ per gallon. It also offers smaller discounts at 40,000+ regular gas stations, averaging 5¢ per gallon. The actual discount you receive will vary by location.

Fuelman, on the other hand, offers consistent discounts at 40,000+ locations in its discount network. Unlike AtoB, the discount doesn't vary by location, so you can count on the same discount at any location within their discount network.

However Fuelman's discounts vary by the card that you choose. The Fuelman Mixed Fleet Card offers an 8¢ per gallon rebate on gas and diesel, while the Diesel Fleet Card offers a 12¢ per gallon rebate on diesel purchases.

The Fuelman Mastercard has discounts that vary from 3-10¢ per gallon.

AtoB vs. Fuelman: Fuel Card Fees

AtoB charges $3 per card per month for its Basic plan and $6 per card per month for its Premium plan, which includes additional features.

Fuelman, on the other hand, charges a monthly fee per account rather than per card. It offers three plans: Basic at $39, Pro at $59, and Enterprise at $99 per month, with additional features available as you upgrade.

Fuelman also charges transaction fees of up to $3 per purchase at extended network locations. The Fuelman Mastercard has smaller discounts, but does not charge extended network transaction fees.

AtoB vs. Fuelman: Fuel Card Reviews

AtoB has a 4.6-star rating on Trustpilot, compared to Fuelman's 3.3-star rating. Take some time to read through the reviews to see what customers like about each company and any common complaints. 

AtoB vs. Fuelman: Fraud Protection

*Only available with premium subscription

AtoB and Fuelman both offer strong fraud protection, including real-time fraud monitoring, alerts, and fraud loss coverage.

Fuelman offers fraud loss coverage of up to $10,000 per card or up to $25,000 per account annually on its Pro and Enterprise plans. AtoB offers up to $250,000 in fraud loss coverage, depending on eligibility and fleet size.

One area where AtoB stands out is its additional security features. Every AtoB card comes with a chip, and businesses with a premium subscription can require drivers to unlock their cards through the mobile app or text message before fueling.

AtoB also offers telematics integrations with its premium subscription to help prevent fraudulent purchases by verifying vehicle location and identifying suspicious fueling activity.

These additional features give AtoB an advantage when it comes to fraud prevention, although some of its more advanced security features require a premium subscription.

AtoB vs. Fuelman: Controls and Reporting

*Only available with premium subscription

Both AtoB and Fuelman offer strong purchasing controls and reporting, but they take different approaches.

Fuelman runs on a dedicated fuel network that is built specifically for fleet fueling transactions, so stations are set up to enforce purchasing prompts and capture Level III transaction data at the point of sale.

AtoB runs on the Mastercard network, where Level III data collection and fleet prompt enforcement can vary by station. To help maintain purchasing controls, AtoB offers mobile app and SMS card unlock features with its premium subscription. These features provide an additional layer of security before drivers can make fuel purchases.

Both cards offer similar purchasing controls and reporting capabilities, including transaction limits, location restrictions, driver and vehicle reporting, and accounting and IFTA support.

AtoB and Fuelman Alternatives

If AtoB or Fuelman isn’t the right fit, a universal fuel card like Voyager is worth looking at. Voyager runs on a dedicated fuel network, which gives you tighter purchasing controls. By default, purchases are limited to fuel only or to fuel and maintenance, helping businesses maintain tighter spending oversight.

Voyager is accepted at about 97% of gas stations and truck stops nationwide, so it’s close to the acceptance you’d expect from a major credit card network, with the controls you expect from a traditional fuel card.

If you're considering other options, check out our guide to the best fleet fuel cards for businesses. We've compared the top fuel cards to help you see the differences in fees, discounts, accepting locations, and features.

AtoB vs. Fuelman vs. Alternatives: Which Card is Best for Your Business?

Both AtoB and Fuelman are good options for managing fleet fuel expenses, but the better choice depends on where your drivers fuel and the features your business needs.

AtoB is a good option if you:

• Operate an over-the-road trucking fleet and want larger diesel discounts at truck stops
• Want nationwide acceptance anywhere Mastercard is accepted
• Prefer monthly fees based on the number of cards rather than a flat account fee

• Want additional fraud protection features like mobile app unlocks and telematics integrations

Fuelman is a good option if you:

• Want consistent fuel discounts at participating locations rather than discounts that vary by station
• Have a larger fleet where a monthly account fee may be more cost-effective than paying per card

• Prefer a dedicated fuel card network with built-in purchasing controls and detailed reporting

Voyager is worth considering if you:

• Want to avoid monthly card fees, late fees, and transaction fees
• Prefer a dedicated fuel card network with strong purchasing controls and reporting

• Need broad acceptance at 97% of gas stations and truck stops nationwide

Ultimately, AtoB stands out for its larger truck stop discounts and additional fraud protection features, while Fuelman offers consistent fuel rebates and account-based pricing. Voyager is a strong alternative for businesses looking for broad acceptance without monthly card fees.