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Fleet Fuel Card Programs Explained: Benefits, Types, and How to Choose the Right One
Fuel is one of the biggest operating costs for fleets, which makes managing it effectively a top priority for business owners. That’s where a fleet...
9 min read
Broderic Fernow
:
Updated on July 17, 2026
Managing fuel expenses is often a top priority for trucking companies and diesel fleets, making cost-saving strategies at the pump essential. Diesel fuel cards are purpose-built for fleets operating diesel vehicles. These cards offer discounts on fuel, access to truck-friendly fueling locations, and detailed reporting features such as IFTA tracking to simplify expense management.
Whether you’re an owner-operator, run a small business fleet, or oversee a large trucking operation, selecting the right diesel fuel card can help reduce overall fuel spend, provide greater control over purchases, and improve fueling efficiency. In this guide, we’ll review the best diesel fuel cards of 2026, highlight the benefits of each option, and offer guidance on how to choose the right program for your business.
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 | Local and regional trucking companies, small businesses, and large fleets in the Western U.S. |
| Mudflap | Estimated 57¢/gal at in-network locations, 2¢/gal everywhere else | None | 3-6% | 3,600 discount locations, anywhere Visa is accepted | Small to medium trucking companies, owner-operators, truckers |
| Fuelman Diesel | 12¢/gal for diesel | $39-99 for the account | 17.99% | 60,000 gas stations and truck stops | Small to large businesses |
| 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 |
| TCS | 59¢/gal on average at 2,300 in-network truck stops | None | None, prepaid fuel card | 12,000 truck stops | OTR trucking companies |
| Comdata | Cash price and 8-40¢/gal at select truck stops | $0-129 per account | 13.99% | 8,000 truck stops | Medium to large trucking companies |
| Fleet One Edge | 15¢/gal on average at select truck stops | $8 per card and $7.95 for the account | 6.99% | 12,000 truck stops | Small OTR trucking companies |
| Axle | Up to 65¢/gal on diesel | None | 20% | 850 truck stops | Trucking companies, owner-operators, and truckers that prefer Pilot Flying J locations |
| Pacific Pride | Varies by card issuer | Varies by card issuer | Varies | 1,400 discount locations; 65,000 gas stations and truck stops | Local and regional trucking companies, small businesses, and large fleets in the Pacific Northwest |
| Voyager | 3-8¢/gal at select locations | None | None | 97% of gas stations and truck stops | Small businesses and large fleets that need broader station acceptance |
The CFN fuel card offers access to over 3,000 discounted cardlock sites and 65,000 retail gas stations and truck stops. Many businesses in the West, especially trucking companies and those operating large vehicles or heavy equipment, prefer CFN because there are more 18-wheel accessible cardlock fueling sites than truck stops in the Western U.S.
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: Local and regional trucking companies, small businesses, and large fleets in the Western U.S.
The Mudflap Fuel Card is a Visa fleet card designed for owner-operators and small to mid-sized trucking fleets. It’s a low-cost option with no monthly fees and strong discounts at over 3,600 in-network truck stops, helping fleets save money on the road.
Key Features:
Discounts:
Customer Rating on Trustpilot: 4.4 out of 5 Stars
Monthly Fee: None
Late Fee: 3-6%
Best For: Small to medium trucking companies, owner-operators, truckers
Fuelman Diesel fleet card is a widely recognized fuel card that is accepted at 60,000 gas stations and truck stops in the U.S. and offers a rebate at 40,000 locations. The company offers multiple account tiers for customers, each with distinct pricing and features.
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
AtoB is a fintech company that offers a Mastercard fuel card accepted nationwide. Built for both business and trucking fleets, it provides wide acceptance and flexibility, with the biggest savings typically found at major truck stops, making it a strong option for over-the-road (OTR) operations.
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 TCS Fuel Card is designed for OTR trucking companies and is accepted at over 12,000 truck stops nationwide. Around 2,000 of those locations are in network and offer exclusive discounts. The card runs on both the Comdata and EFS fuel networks, giving fleets wide coverage and competitive savings on the road. Unlike other cards on this list, the TCS fuel card is cash-secured, meaning you must preload funds onto the card before using it.
Key Features:
Discounts:
Monthly Fees: Unknown, but transaction fees for out-of-network purchases
Late Fee: None, prepaid fuel card
Customer Rating on Trustpilot: 4.4 out of 5 stars
Best For: OTR trucking companies
Comdata is an OTR fuel card accepted at more than 8,000 truck stops nationwide. It’s a great fit for trucking companies, offering cash-price fuel discounts at select stops and an online portal tailored specifically to the needs of over-the-road fleets.
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
Fleet One Edge, managed by WEX, is an OTR fuel card designed for trucking companies with fleets of 1–50 vehicles. It offers fuel discounts at roughly 2,200 participating truck stops nationwide, making it a good option for small to mid-sized OTR operations.
Key Features:
Discounts:
Monthly Fees:
Late Fee: 6.99%
Customer Rating on Trustpilot: 3.9 (WEX Capital) and 1.2 (WEX) out of 5 stars
Best For: Small OTR trucking companies
The Axle fuel card is Pilot Flying J’s fleet card designed for diesel fleets that prefer to fill up at Pilot Flying J truck stops. It’s accepted at more than 850 Pilot, Flying J, and One9 Fuel Network locations across the U.S. giving drivers consistent access to fuel and truck services.
Key Features:
Discounts:
Monthly Fees: None
Late Fee: 20%
Customer Rating on Trustpilot: Not Available
Best For: Trucking companies, owner-operators, and truckers that prefer Pilot Flying J locations
The Pacific Pride Fuel Card works much like the CFN card, offering access to both discount cardlock sites and 65,000 retail gas stations and truck stops. However, Pacific Pride has about half as many discount sites, around 1,400 compared to CFN’s 3,000, and its network is concentrated mainly in the Pacific Northwest. It’s a solid choice for fleets that operate primarily within that region.
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: Local and regional trucking companies, small businesses, and large fleets in the Pacific Northwest
The Voyager fuel card is accepted at over 97% of gas stations and truck stops nationwide, including both major chains and independent locations, so that you can take advantage of the best diesel prices available. Its scalability and user-friendly fuel card portal make it a strong choice for fleets of all sizes and industries.
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 businesses and large fleets that need broader station acceptance
A diesel fuel card is designed specifically for businesses that run diesel vehicles. These cards offer features that matter most to diesel fleets like fuel discounts, access to 18-wheel-friendly truck stations, and reporting tools such as IFTA reports. Many diesel cards also allow purchases for over-the-road essentials such as parking, scales, and maintenance, giving drivers everything they need in one convenient payment solution.
The best diesel fuel card depends on your fleet’s size, type, and where you run your routes. Below is a breakdown of which cards work best for different kinds of operations.
The first step is to research and compare fuel cards. Here's what you need to look for when evaluating fuel cards.
If you’d like to explore more options, check out the top 10 fuel cards for 2026, where we compare the best fuel card programs side by side; including discounts, fees, features, and network acceptance to help you find the best fit for your fleet.
Once you’ve selected a fuel card, you can apply online to open your account. Most applications only require basic business details, as providers typically review your company’s credit history for approval. For a detailed walkthrough, check out our step-by-step guide on how to apply for a fuel card.
Once you application is approved, the fuel card provider will send you a card order form. You can assign your fuel cards to drivers or vehicles and set the spend controls for each card. You'll also get your login information for your fuel card portal.
P-Fleet’s fuel card programs are designed to help businesses track, control, and reduce fuel costs. You can set card-specific spending limits (per day, week, and month), restrict purchases to approved fueling times and states, and receive alerts for any unauthorized transactions, including non-diesel purchases. Online transaction monitoring enables you to address issues proactively, while built-in fraud protection provides another layer of security for your account.
P-Fleet's online portal offers comprehensive reporting tools, enabling you to generate detailed fuel reports for driver monitoring, IFTA filing, and general accounting purposes. Whether you operate a small group of vehicles or oversee a nationwide fleet, P-Fleet’s CFN and Voyager fuel cards deliver robust card features and network coverage to optimize efficiency and maximize cost savings.
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