Fuel expenses can get complicated quickly when you’re running a fleet. Drivers stop at different stations, paper receipts disappear, and a generic “gas station” line item on a credit card statement doesn’t guarantee the purchase was actually fuel. A gas only credit card solves that by restricting transactions to fuel, adding spend controls, and giving you clear reporting on who fueled, what they bought, where, and when.
In this guide, we break down the best gas only credit cards for business in 2026, how they compare on discounts, fees, and acceptance, and what to look for so you pick the right option for your fleet. Whether you’re running a handful of vehicles or a growing fleet across multiple regions, you’ll walk away with insight on how to choose the best card for your fleet.
Table of Contents
- Gas only credit card comparison
- What is a gas only credit card for business?
- Top gas only credit cards for business
- How are gas only credit cards different from regular credit cards?
- Benefits of gas only credit cards
- Tips for choosing the best gas only credit card for your business
Gas Only Credit Card Comparison
| Gas Only Credit Card | Discounts | Monthly Fee | Late Fee | Accepting Locations | Trustpilot Rating |
| Voyager | 3-8¢/gal at select locations | None | None | 97% of gas stations and truck stops | 4.8 |
| 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 | 4.3 (WEX Capital) 1.4 (WEX) |
| RoadFlex | 2¢/gal at all locations; up to 25¢/gal at select participating locations | $3 per card, additional fee for premium features | 3% | Anywhere that accepts Visa | N/A |
| Coast | 4-10¢/gal at select locations | $4 per card | $35 and 2.5% | Anywhere that accepts Visa | N/A |
| Fuelman Mastercard | 3¢ per gallon | $59 for the account | 17.99% | Anywhere that accepts Mastercard | 2.5 |
What Is a Gas Only Credit Card for Business?
A gas only credit card is also known as a universal fuel card, that is locked down for fuel purchases, so your drivers can fill up without you worrying if they're purchasing other items on your dime. You can set spend limits, transaction limits, and require drivers to enter a PIN, vehicle and odometer info at the pump.
Reporting is also much more advanced with gas only credit cards. Instead of guessing what happened from a generic gas transaction on a credit card statement, you'll get detailed fuel transaction data including who fueled, where they fueled, which vehicle they filled up, how many gallons, and the type of fuel so it’s easier to track costs and catch weird spending without chasing down fuel receipts.
Top Gas Only Credit Cards for Business
1. Voyager
The Voyager fuel card is accepted at over 97% of gas stations and truck stops nationwide, including both major brands and independent stations. Because it works almost anywhere and scales as your fleet grows, it’s a strong option for businesses of any size in just about any industry.
Key Features:
- Accepted at 97% of gas stations and truck stops
- Access to major and independent brands
- 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
Late Fee: None
Customer Trustpilot Rating: 4.8 out of 5 stars
2. WEX
The WEX fuel card is accepted at about 95% of gas stations and truck stops nationwide, so its network is nearly as big as Voyager’s. WEX also has branded fuel cards for certain gas station chains, which can unlock rebates when your 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
Late Fee: 7.99%
Customer Rating on Trustpilot: 4.3 (freight factoring) and 1.4 (fuel cards) out of 5 stars
3. RoadFlex
RoadFlex is a fintech company that offers a fleet card designed for broad acceptance and flexible fleet management. Unlike traditional fuel cards, RoadFlex functions more like a business charge card, accepted anywhere Visa is accepted, giving businesses greater purchasing flexibility. RoadFlex is geared toward small to mid-sized businesses looking for an all-in-one solution for managing fuel and vehicle-related expenses.
Key Features:
- Accepted nationwide like a Visa card
- Customize spend limits and card controls for each vehicle and driver
- Eliminate fuel theft and card fraud with advanced security features
- Centralized reporting, visibility into every dollar spent
Discounts:
- 2¢ per gallon at all fuel stations and truck stops
- Up to 25¢/gal at select participating locations
Monthly Fees:
- $3 per card for basic features only
- Contact RoadFlex for premium features fee
Late Fee: 3%
Customer Rating on Trustpilot: Not available
4. Coast
Coast is a fintech company that offers a fleet fuel card with nationwide acceptance anywhere Visa is accepted. The platform and portal are built to work for fleets of all sizes across different industries. The main catch is that drivers have to use the Coast mobile app at the pump to authorize purchases, which can be a hurdle for teams that prefer a more traditional “swipe and go” process.
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
Late Fee: $35 and 2.5%
Customer Rating on Trustpilot: Not available
5. Fuelman Mastercard
Fuelman is a well-known fuel card provider, and the Fuelman Mastercard is their universal option that works anywhere Mastercard is accepted.
Key Features:
- Anywhere Mastercard is accepted
- Comprehensive spending controls
- Fraud protection $10,000 per card, up to $25,000 per year
- Customer portal available
- Fuel reports available
Discounts: Up to 3¢ per gallon
Monthly Fee: $59 for the account
Late Fee: 17.99%
Customer Rating on Trustpilot: 2.5 out of 5 stars
How Are Gas Only Credit Cards Different from Regular Credit Cards?
Here’s a quick breakdown of how gas only credit cards differ from regular credit cards. For the full comparison, check out our Fuel Card vs. Credit Card article.
| Gas Only Credit Card | Regular Credit Card | |
| Product category | Business payment solutions tool | Money Lending tool |
| Accepting locations | Fuel and maintenance locations | Everywhere |
| Allowed purchases | Fuel only, or fuel and maintenance | Anything |
| Discounts | Per gallon discounts, rebates, and cost-plus pricing options | Rewards, rebates, points |
| Data collected with each transaction | Level 3 data: Date, time, gallons, price, total, fuel type, driver name, vehicle description, vehicle number, odometer, optional job number, department number, or GL code. | Level 1 data: merchant name, date, and total. |
| Spend controls | Transaction per day limit, dollar limits, authorized fueling times and days, authorized fueling locations, and more. | None |
| Reporting | Fuel usage by driver or vehicle, IFTA, summary of transaction by division, job, GL code, fuel tax refunds, and more. | Transaction history |
| Carry a balance | No | Yes |
Benefits of Gas Only Credit Cards
Control Your Team’s Fuel Purchases
The biggest issue with regular credit cards is you can’t tell what was actually bought. A driver can walk inside, grab food, tell the cashier to run $50 on the credit card, and throw the rest on the pump. On your statement, it still looks like a normal gas station charge, so you don’t catch it. Gas credit cards for gas only help prevent that by restricting purchases to fuel only and giving you controls like spend limits, transaction limits, and rules by driver or vehicle.
Save Money on Fuel
Some gas only cards offer rebates or discounts at certain stations. The per gallon savings might not look huge, but over a year it adds up quickly.
Get Better Visibility Into Fuel Usage
Every time a driver fuels up, the card captures the driver ID, vehicle info, and odometer reading. That gives you a clean way to track fuel usage, see fueling patterns by driver, and spot red flags that could point to fuel theft. You can also tie purchases to a job or department so fuel costs get allocated correctly.
Simplify Fuel Expense Accounting
Instead of chasing down receipts, you get detailed transaction records you can export into your accounting system. Less manual work, fewer missing receipts, and easier month end reconciliation.
Eliminate Fuel Reimbursements
When drivers use a company gas only credit card at the pump, there’s no reimbursement process, no receipts to track down, and less admin time spent cleaning up fuel expenses.
Tips for Choosing a Gas Only Credit Card for Your Business
1. Know Where Your Drivers Fuel Most Often
Look at your recent receipts or transaction history and figure out which stations your drivers use the most. Then pick a credit gas card only that gives you the best coverage and pricing at those locations.
2. Check the Fees Before You Apply
Fees vary a lot depending on the provider, so read the fee schedule closely (it’s usually on the website or the application). Watch for monthly fees, per-transaction fees, replacement card fees, and anything that feels buried. If they won’t clearly show the fees upfront, that’s usually a red flag.
3. Read Real Customer Reviews
Before you commit, search for gas card company reviews on third-party review sites and see what customers say about billing, customer support, declines, and day-to-day usability. The marketing always sounds good, but reviews tell you what it’s actually like.
4. Demo the Online Portal
Your portal is where you’ll manage cards, set limits, and pull reports, so it needs to be easy to use. If you can, request a demo or try a self guided interactive demo so you know what you’re getting before you sign up.
5. Understand the Fuel Card Fraud Policy
Fraud isn’t common, but when it happens, it can add up fast. Ask how they flag suspicious transactions, what protections are included, and how reimbursement works if unauthorized purchases hit your account.
Take Control of Your Company's Fuel Purchases With P-Fleet
With the P-Fleet Voyager fuel card you can control your fuel purchases at 97% of fuel stations nationwide. You can lock cards down to fuel only, set limits by driver or vehicle, and track every purchase with clear reporting that shows who fueled, where, when, how many gallons, and what it cost. No guessing based on a generic “gas station” charge, and no chasing receipts at the end of the month.
You can easily manage your fuel cards, check transactions, and download reports in our easy-to-use fuel card portal. Whether you’re running a small fleet or managing a larger operation, Voyager scales with you and makes it easier to keep fuel costs under control. If you want to get started with the P-Fleet Voyager card, you can complete our online application in just a few minutes.
