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
- Commercial fuel card comparison
- What is a commercial fuel card?
- Best commercial fuel cards
- Tips for finding the best commercial fuel card for your fleet
- Commercial fuel card FAQs
Commercial Fuel Card Comparison
| 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 | 1-3¢/gal at select locations; up to 8¢/gal for brand-specific cards | Up to $2 per card | 7.99% | 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 45¢/gal at truck stops; estimated 5¢/gal at gas stations | $3-6 per card | 5% | Anywhere that accepts Mastercard | Small to medium trucking companies |
| Comdata | Cash price and 7-25¢/gal at select truck stops | Up to $8 per card | 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 |
What Is a Commercial Fuel Card?
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 fleet 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.
Best Commercial Fuel Cards
1. CFN
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:
- Accepted at 3,000 discount locations and 65,000 gas stations and truck stops
- Cost-plus pricing for customers
- Mobile app to locate sites
- Industry-best spending controls, including fuel type at cardlocks
- Free fraud protection
- User-friendly customer portal with daily prices
- Free fuel reports available
Discounts: Estimated 35¢ per gallon at CFN stations compared to average retail prices
Monthly Fee: None
Customer Rating on Trustpilot: 4.8 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
2. WEX
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:
- Accepted at 95% of gas stations and truck stops
- Access to major and independent brands
- Mobile app for two-factor authentication on purchases
- Comprehensive spending controls
- Limited fraud protection
- Customer portal available
- Fuel reports available
- Various software integrations
- Freight factoring available
Discounts:
- 1-3¢ per gallon at select locations
- Up to 8¢ for brand-specific cards at their own stations
Monthly Fee:
- Up to $2 per card, plus $2 to replace a card
- Setup fee of $40
- $3 per transaction at select truck stops
Customer Rating on Trustpilot: 4.4 (freight factoring) and 1.4 (fuel cards) 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.
3. Voyager
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:
- Accepted at 97% of gas stations and truck stops
- Access to major and independent brands so your drivers can choose the best diesel prices
- Mobile app to find the cheapest fuel prices
- Optional maintenance
- Comprehensive spending controls
- Free fraud protection
- User-friendly customer portal
- Free fuel reports available
- Open API for third-party integrations
Discounts: 3-8¢ per gallon at select locations
Monthly Fee: None
Customer Trustpilot Rating: 4.8 out of 5 stars
Best For: Small to large businesses that need broader station acceptance without the hidden fees.
4. Fuelman
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:
- Accepted at 60,000 gas stations and truck stops
- Access to many major brands
- Comprehensive spending controls
- Fraud protection up to $25,000 (for Enterprise and Pro customers only)
- Customer portal available
- Fuel reports available
Discounts:
- Up to 8¢ per gallon for mixed fleet card
- Up to 12¢ for diesel fleet card
Monthly Fee: $39.99 to $99.99 for the account, based on customer tier, plus other account fees
Customer Rating on Trustpilot: 2.2 out of 5 stars
Best For: Small to large businesses
5. Pacific Pride
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:
- Accepted at 1,400 discount locations and 65,000 gas stations and truck stops
- Cost-plus pricing for customers
- Mobile app to locate sites
- Robust spending controls, including fuel type at cardlocks
- Fraud protection available
- Customer portal available
- Fuel reports available
Discounts: Varies by card issuer
Monthly Fees: Varies by card issuer
Customer Rating on Trustpilot: Not available
Best For: Small to large fleets in the Pacific Northwest
6. AtoB
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:
- Accepted nationwide like a Mastercard
- Mobile app to find the cheapest fuel prices
- Comprehensive spending controls
- User-friendly customer portal
- Fuel reports available
- Various software integrations
Discounts:
- Estimated 45¢ per gallon at select truck stops
- Estimated 5¢ per gallon at gas stations
- Small discounts for some non-fuel purchases
Monthly Fees:
- $15 for 1-5 cards, plus $3 for each additional card
- Another $3 per card for AtoB Premium
- Setup fee of $35
Customer Rating on Trustpilot: 4.6 out of 5 stars
Best For: Small to medium trucking companies
7. Comdata
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:
- Accepted at 8,000 truck stops
- Cash price and discounts
- Comprehensive spending controls
- Customer portal available
- Fuel reports for trucking fleets
Discounts:
- 25¢ per gallon at TA Petro
- 10¢ at Pilot Flying J
- 7-8¢ at Sheetz, Casey’s, Love’s, AMBEST, Speedway, and 7-Eleven
Monthly Fees:
- Up to $8 per card
- Setup fee of $50
Customer Rating on Trustpilot: 1.4 out of 5 stars
Best For: Medium to large trucking companies that fuel at truck stops
8. Coast
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:
- Accepted nationwide like a Visa card
- Mobile app for advanced fraud protection on purchases
- Custom spending controls
- Fraud protection up to $25,000
- Customer portal available
- Fuel reports available
- Various software integrations
Discounts:
- 4-10¢ per gallon at select locations
- 1% cash back on non-fuel purchases
Monthly Fees: $4 per card
Customer Rating on Trustpilot: Not available
Best For: Small to medium businesses who prefer more tech with their fuel cards.
Tips for Finding the Best Commercial Fuel Card for Your Fleet
1. Identify Where Your Drivers Fuel Most Often
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.
2. Evaluate Fees Before You Apply
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.
3. Read Real Customer Feedback
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.
4. Test the Online Portal
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.
5. Understand Fraud Protection Policies
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.
Commercial Fuel Card Frequently Asked Questions
Do Commercial Fuel Cards Provide Cheaper Fuel Pricing?
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.
How Much Do Commercial Fuel Cards Cost?
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.
How Can I Get a Commercial Fuel Card?
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.
Who Can Apply for a Commercial Fuel Card?
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.
