Fuel is one of the biggest operating costs for any fleet and the way you manage it can have a major impact on your bottom line. The right commercial fuel card not only simplifies driver payments, but also helps your business save money, prevent misuse, and track every gallon.
With so many options available, comparing programs can feel overwhelming. Each card offers different discounts, fees, and network coverage, so choosing the best one comes down to your routes, fuel volume, and management needs. This guide breaks down the top commercial fuel cards, compares their key features side by side, and shares expert tips for finding the program that fits your fleet best.
Table of Contents
| Fuel Card | Discounts | Monthly Fee | Late Fee | Locations | Best for |
| CFN | Estimated 35¢/gal at discount locations | None | None | 3,000 discount locations; 65,000 gas stations and truck stops | Small to large fleets in the West, especially those who operate large vehicles |
| WEX | 3-15¢/gal at WEX nationwide savings network locations. 1-3¢/gal at other participating locations. Up to 8¢ with branded cards | Up to $4 per card | 11.99% | 95% of gas stations and truck stops | Small to large businesses |
| Voyager | 3-8¢/gal at select locations | None | None | 97% of gas stations and truck stops | Small to large businesses |
| Fuelman | 8¢/gal for mixed fleet card; up to 12¢/gal for diesel fleet card | $39-99 for the account | 17.99% | 60,000 gas stations and truck stops | Small to large businesses |
| Pacific Pride | Varies by card issuer | Varies by card issuer | Varies | 1,400 discount locations; 65,000 gas stations and truck stops | Small to large fleets in the Pacific Northwest |
| AtoB |
Estimated 42¢/gal at truck stops; estimated 5¢/gal at gas stations |
$3-6 per card | 9% | Anywhere that accepts Mastercard | Small to medium trucking companies |
| Comdata | Cash price and 7-40¢/gal at select truck stops | $0-129 per account | 13.99% | 8,000 truck stops | Medium to large trucking companies |
| Coast | 4-10¢/gal at select locations | $4 per card | 2.5% | Anywhere that accepts Visa | Small to medium businesses |
A commercial fuel card is designed for businesses that operate commercial vehicles, helping them track, manage, and control fuel purchases at commercial fuel sites, gas stations, and truck stops. Rather than relying on cash or unrestricted credit cards, drivers use dedicated commercial fuel cards with built-in controls that limit spending to approved fuel and maintenance purchases. This structure gives fleet managers greater visibility, stronger cost control, and better oversight on every transaction.
The CFN fuel card provides access to more than 3,000 discounted commercial cardlock locations and over 65,000 retail fuel stations and truck stops nationwide. It’s a popular choice for fleets operating in the Western U.S., where cardlock sites outnumber traditional truck stops. Many trucking companies and businesses running large vehicles or heavy equipment in CA, OR, WA, AZ, or NV prefer CFN for its convenient access, competitive pricing, and 18-wheel-friendly locations.
Key Features:
Discounts: Estimated 35¢ per gallon at CFN stations compared to average retail prices
Monthly Fee: None
Late Fee: None
Customer Rating on Trustpilot: 4.7 out of 5 stars
Best For: Small to large fleets in the West, especially those who operate large vehicles in CA, OR, WA, AZ, NV
The WEX fuel card is accepted at nearly 95% of retail gas stations and truck stops across the country. WEX also manages several branded fuel card programs for major fuel retailers, which can provide additional discounts when drivers fuel at those specific locations.
Key Features:
Discounts:
Monthly Fee:
Late Fee: 9.99%
Customer Rating on Trustpilot: 3.9 (WEX Capital) and 1.2 (WEX) out of 5 stars
Best For: Small to large businesses. If your fleet prefers one specific fuel brand, their branded cards can provide deeper discounts.
The Voyager fuel card is accepted at more than 97% of gas stations and truck stops nationwide, including both major brands and independent locations. This broad coverage gives fleets the flexibility to shop for the best fuel prices wherever they operate. Combined with its scalable account options and easy-to-use online management portal, Voyager is a reliable solution for fleets of any size or industry looking to simplify fuel purchasing and control costs.
Key Features:
Discounts: 3-8¢ per gallon at select locations
Monthly Fee: None
Late Fee: None
Customer Trustpilot Rating: 4.7 out of 5 stars
Best For: Small to large businesses that need broader station acceptance without the hidden fees.
The Fuelman fuel card is accepted at more than 60,000 gas stations and truck stops across the U.S. Known for its wide availability, Fuelman offers multiple account tiers designed for different fleet sizes and needs, each with its own fee schedule.
Key Features:
Discounts:
Monthly Fee: $39.99 to $99.99 for the account, based on customer tier, plus other account fees
Late Fee: 17.99%
Customer Rating on Trustpilot: 2.6 out of 5 stars
Best For: Small to large businesses
The Pacific Pride fuel card functions similarly to CFN, providing access to discounted cardlock locations as well as more than 65,000 retail fuel stations and truck stops nationwide. However, its cardlock network is smaller, with roughly 1,400 discount sites compared to CFN’s 3,000, and is concentrated mainly in the Pacific Northwest. For fleets that operate primarily within that region, Pacific Pride offers a reliable and convenient fueling solution with competitive pricing and secure access.
Key Features:
Discounts: Varies by card issuer
Monthly Fees: Varies by card issuer
Late Fee: Varies by card issuer
Customer Rating on Trustpilot: Not available
Best For: Small to large fleets in the Pacific Northwest
AtoB is a fintech company offering a Mastercard-based fuel card that’s accepted nationwide. Designed for both business and trucking fleets, AtoB combines broad network coverage with flexible payment options. The greatest savings are typically found at major truck stops, making it a strong choice for over-the-road (OTR) operations that rely on consistent access and competitive pricing across long-haul routes.
Key Features:
Discounts:
Monthly Fees:
Late Fee: 9%
Customer Rating on Trustpilot: 4.6 out of 5 stars
Best For: Small to medium trucking companies
The Comdata fuel card is designed specifically for over-the-road (OTR) fleets and is accepted at more than 8,000 truck stops nationwide. It’s a strong option for trucking companies seeking reliable coverage and cash-price fuel discounts at participating locations. Comdata also provides an online management portal built for the unique needs of OTR operations, offering tools to monitor spending, manage drivers, and streamline fuel purchases across routes.
Key Features:
Discounts:
Monthly Fees:
Late Fee: 13.99%
Customer Rating on Trustpilot: 1.3 out of 5 stars
Best For: Medium to large trucking companies that fuel at truck stops
Coast is a financial technology (fintech) company that offers a fuel card accepted nationwide that works on the Visa Fleet credit card network. Its platform and customer portal are built to support fleets of all sizes and industries, providing flexible controls and real-time visibility. However, drivers must use a mobile app at the pump to complete transactions, which may present challenges for those less comfortable with smartphone based systems.
Key Features:
Discounts:
Monthly Fees: $4 per card
Late Fee: 2.5%
Customer Rating on Trustpilot: Not available
Best For: Small to medium businesses who prefer more tech with their fuel cards.
Start by reviewing recent fuel receipts or transaction data to see where your drivers fill up most frequently. Once you know your preferred stations, compare commercial fuel cards to find which ones offer the best discounts and coverage at those locations.
Every provider structures fuel card fees differently, so it’s worth checking each card’s fee schedule in detail. Look for monthly account fees, transaction charges, or hidden costs that might affect your total spend. Most companies list this information on their websites or applications, if they don’t, consider that a red flag. Catching hidden fees up front can save you from unexpected expenses later.
Before choosing a card, take a few minutes to browse third-party fuel card reviews. These insights reveal what day-to-day service is like, how responsive customer support is, how billing is handled, and whether users experience recurring issues. Honest feedback from other fleets can highlight strengths and potential problems.
Your customer portal is where you’ll manage cards, monitor transactions, and pull reports, so ease of use matters. Ask for a live demo or take a self-guided tour to see how the fuel card management system works. A good portal saves you time and gives you better control over spending across your fleet.
Fraud prevention is one of the most overlooked features until an issue occurs. Ask each provider about their fraud protection process, how they monitor suspicious activity, what coverage they offer, and how reimbursement works for unauthorized purchases. Knowing these details upfront ensures your business is protected if fraud occurs on your account.
Yes, most commercial fuel cards offer fleets lower fuel costs compared to standard payment methods. These savings are typically delivered through discounts, rebates, or cost-plus pricing at the pump. Because fleets purchase fuel in higher volumes than individual consumers, fuel card providers can leverage that collective buying power to negotiate better rates with fuel stations and pass those savings on to their customers.
To understand the true cost of a commercial fuel card, add up all associated fees and charges for each program. Some providers, such as Voyager or CFN, offer cards with no monthly fees, making them a more cost-effective option for fleets.
Start by comparing commercial fuel card programs to find the one that best fits your fleet’s needs. Once you’ve chosen a provider, complete the online application to get started. After approval, the fuel card company will send you an order form so you can order cards for each driver or vehicle in your fleet.
Any business can apply for a commercial fuel card, but these programs are intended specifically for business use. Because of that, most fuel card providers do not approve applications for personal accounts.
Manage Your Fuel Expenses with P-Fleet's Commercial Fuel Cards
With P-Fleet’s commercial fuel card programs, you can streamline purchases, track every transaction, and take advantage of competitive pricing through the CFN and Voyager networks. P-Fleet’s fuel card portal makes it easy to set purchase limits, monitor fuel spend by driver or vehicle, and generate detailed reports for tax and expense purposes.
You’ll also benefit from no monthly fees, transparent pricing, and free fraud protection, ensuring that every dollar you spend goes further. Whether your fleet operates locally or across the country, P-Fleet's CFN and Voyager card programs deliver the flexibility and reliability you need to manage fuel efficiently.
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