Best EFS Fuel Card Alternatives for Commercial Fleets

EFS is a popular fuel card for trucking companies because it offers cash-price fuel discounts at more than 16,000 truck stops nationwide. However, it may not be the best fit for every fleet. Some businesses prefer a fuel card with upfront pricing and no monthly fees, while others need broader acceptance.

In this guide, we'll compare the best EFS fuel card alternatives for commercial fleets, looking at their discounts, fees, accepting locations, and key features to help you choose the right fuel card for your business.

Quick Comparison of EFS Fuel Card Alternatives

Best EFS Alternatives

1. Mudflap

Mudflap is a fleet fuel card that's accepted anywhere Visa is accepted, with its largest discounts available at more than 3,600 in-network truck stops. Fleets can save an estimated 57¢ per gallon at participating locations and still receive a 2¢ per gallon discount when fueling outside the network. Unlike EFS, Mudflap has no monthly fees and displays their discounts upfront, making it an attractive option for businesses that want predictable pricing and easy nationwide acceptance.

How Mudflap Compares to EFS

Pros

• No monthly fees
• Accepted anywhere Visa is accepted
• Strong truck stop discounts at 3,600+ partner locations

Cons

• Best discounts are limited to participating truck stops
• Fleet controls are generally less restrictive than traditional fleet card networks because the card runs on Visa rather than a dedicated fuel network.

Good fit if: You want a fuel card with no monthly fees, strong truck stop discounts, and the flexibility to fuel anywhere Visa is accepted.

2. Comdata

Comdata is an over-the-road (OTR) fuel card that's accepted at more than 8,000 truck stops nationwide. Like EFS, it offers cash-price fuel discounts at participating truck stops and runs on a dedicated fuel network with fleet controls and reporting tools. Unlike EFS, Comdata publishes its pricing plans, allowing fleets to choose between a free entry-level option or paid plans with additional features. Fleets with more than 20 vehicles may also qualify for custom fuel discounts.

How Comdata Compares to EFS

Pros

• No monthly card fee with the entry level Simple Saver plan
• Cash-price discounts at participating truck stops
• Dedicated fuel network with strict fleet controls

Cons

• Fewer accepting truck stops than EFS
• Higher late payment fee
• Advanced plans have higher monthly fees

In-depth comparison: EFS vs. Comdata

Good fit if: You want an OTR fuel card that offers discounts off the cash price and runs on a dedicated fuel network.

3. CFN

The CFN fuel card is built for business fleets that operate in the Western U.S. Unlike EFS, which focuses on truck stop fueling, CFN's biggest advantage is its network of more than 3,000 cardlock locations that offer cost-plus fuel pricing, primarily across California, Oregon, Washington, Arizona, and Nevada. The card also gives drivers access to more than 65,000 gas stations and truck stops nationwide, so they can fuel when they're outside the CFN cardlock network. 

How CFN Compares to EFS

Pros

• More 18-wheel-access discount locations than traditional truck stops in the Western U.S.
• No monthly fee
• No late fee

Cons

• Discount network is concentrated in the Western U.S.
• Not as well suited for nationwide OTR fleets as EFS

Good fit if: Your fleet operates primarily in the Western U.S. and can benefit from cost-plus pricing at CFN cardlock locations instead of fueling at traditional truck stops.

4. AtoB

AtoB is a fintech fleet fuel card that's accepted anywhere Mastercard is accepted. Unlike EFS, which runs on a dedicated truck stop network, AtoB gives drivers the flexibility to fuel at virtually any station while still offering its largest discounts at participating truck stops. It also includes features like a prepaid fuel card option, mobile app controls, and driver pay, making it a good alternative for fleets that want a more technology-focused fuel card.

How AtoB Compares to EFS

Pros

• Accepted anywhere Mastercard is accepted
• Strong truck stop discounts
• Prepaid fuel card option

Cons

• Monthly card fees
• Because AtoB runs on the Mastercard network instead of a dedicated fuel network like EFS, it relies on SMS and mobile app unlocks to add purchase controls. This can be challenging for fleets where drivers don't use smartphones or prefer not to use personal devices for work.

Good fit if: You want a tech-focused fuel card with nationwide acceptance, truck stop discounts, and the option to use a prepaid card instead of a traditional fuel card credit line.

5. Voyager

The Voyager fuel card is accepted at over 97% of gas stations and truck stops nationwide, giving fleets the flexibility to fuel wherever business takes them. Voyager is a good fit for fleets whose drivers fuel at a mix of gas stations and truck stops. It also has no monthly fees or late fees, making it a straightforward option for businesses that want broad acceptance and the purchase controls of a traditional fleet card.

How Voyager Compares to EFS

Pros

• No monthly fees
• No late fee
• Personalized customer support

Cons

• Fewer discount locations

Good fit if: Voyager is a good choice for fleets that want nationwide acceptance, no monthly or late fees, and the controls that come with a traditional fleet card. 

How to Choose the Right EFS Alternative

• Choose Mudflap if you want strong truck stop discounts without monthly fees and the flexibility to fuel anywhere Visa is accepted.
• Choose Comdata if you want a traditional OTR fuel card with cash-price discounts and published pricing plans instead of negotiated pricing.
• Choose CFN if your fleet operates primarily in the Western U.S. and can take advantage of cost-plus pricing at CFN cardlock locations.
• Choose AtoB if you want a tech-focused fuel card with nationwide Mastercard acceptance, truck stop discounts, and the option to use a prepaid fuel card.
• Choose Voyager if your drivers fuel at a mix of gas stations and truck stops and you want nationwide acceptance with no monthly or late fees.

To compare even more options, check out the best fuel cards for business to see how the leading fleet cards stack up on discounts, fees, acceptance, and features.