Fleet Smart Fuel Card Review: Is it the Right Fuel Card for Your Fleet?

If your fleet fuels at truck stops across the country, the Fleet Smart fuel card is designed to help you maximize diesel savings while keeping fuel spend under control. With average discounts of around 54¢ per gallon at 3,000 locations, it stands out as one of the stronger discount programs available. 

Fleet Smart also adds another layer of savings by charging the cash price at the pump, which is typically lower than credit pricing, helping reduce costs even further.

In this review, we break down where the Fleet Smart fuel card is accepted, how the discounts work, the fees to expect, and the controls and reporting tools included. We’ll also cover the pros and cons and compare alternatives so you can decide if it’s the right fit for your fleet.

Table of Contents

• Fleet Smart fuel card: overview
• What is the Fleet Smart fuel card?
• Where is the Fleet Smart fuel card accepted?
• Fleet Smart fuel card discounts
• Fleet Smart fuel card fees
• Fleet Smart fuel card controls and reporting
• Pros and cons of the Fleet Smart fuel card
• Fleet Smart fuel card alternatives
  
  

Fleet Smart Fuel Card: Overview

What Is the Fleet Smart Fuel Card?

The Fleet Smart fuel card is a fleet fuel card designed for trucking companies that want to save on diesel at truck stops while maintaining control over fuel spend.

The card runs on the EFS network and is accepted at 16,000 fuel stations nationwide, with 3,000 discount locations where fleets get the best pricing. These locations are primarily truck stops, making it a strong fit for over-the-road (OTR) fleets.

Fleet Smart stands out for its high per-gallon savings, averaging around 54¢ per gallon at discount locations. It also charges the cash price at the pump, which is typically 10-20¢ per gallon lower than credit pricing, adding to your total savings. In addition to fuel, the program includes discounts on tires, hotels, and other services.

The card includes controls and reporting tools through the EFS platform. Fleet managers can set purchase limits, restrict fueling locations, require driver prompts, and monitor transactions through detailed reports, helping improve visibility and reduce misuse.

Where Is the Fleet Smart Fuel Card Accepted?

The Fleet Smart fuel card runs on the EFS network and is accepted at 16,000 fuel stations nationwide. More than 3,000 of those are discount locations. You can use the EFS fuel map to find stations near you.

Fleet Smart Fuel Card Discounts

Fleet Smart offers average fuel discounts of 54¢ per gallon at 3,000 locations. It also charges the cash price at the pump, which is typically 10–20¢ per gallon lower than credit prices. In addition to fuel savings, it provides discounts on tires, hotels, and other services.

Fuel Discount Brands

Fleet Smart Fuel Card Fees

The RXO fuel card charges $4 per active card per month and $7.95 per account per month. It also has a $1.75 transaction fee at all locations.

Fleet Smart Fuel Card Controls and Reporting

Controls

• Dynamic Prompt: Requires the driver to log into the WEX CardControl app to generate a one-time authorization code that must be entered at the pump before fueling.
• Authorized fueling locations: Control where cards can be used by adding/removing approved locations.
• Purchase limits: Set purchase limits and customize limits at the individual card level.
• Product limits: Choose which non-fuel item categories a fuel card has access to.
• Custom policy prompts: Use card prompts such as driver ID, unit number, hubometer, and more that validate the sale at the point of purchase and capture additional data before fueling is authorized.
• One-time cash advance: Create a one-time cash advance or remove cash access when needed.
• Cash/ATM access: Employees can access cash through thousands of ATM and participating debit retailers.
• Overrides: Perform overrides when a legitimate purchase needs an exception.
• MoneyCodes: Fleet managers can issue MoneyCodes to pay for items and services drivers need.
• Telematics-based fraud controls (SecureFuel): Combine truck telematics and card transaction data to flag suspicious activity and report driver proximity and tank level after fueling.

Reporting

• Real-time alerts (SecureFuel): Triggers alerts when purchase irregularities are detected using telematics and transaction data.
• Transaction report: See detailed transactions by account, card, driver, vehicle, etc.
• Rejected transaction report: See declined authorizations and reasons why they were declined.
• Enhanced transaction report: Create a custom transaction report by choosing the data you want to include and how it’s organized in your report columns.
• Fuel Audit & Reconciliation: Discount reconciliation, individual transaction verification, driver compliance reporting, benchmarking/competitive analysis, and more.
• Fuel tax reporting: Capture and prepare IFTA, IRP, and individual state fuel tax reports.

Pros and Cons of the Fleet Smart Fuel Card

Pros

• Strong fuel discounts at 3,000 discount stations
• Pay the cheaper cash price at all locations
• Easy-to-use fuel card portal

Cons

• Transaction fees
  
  

Fleet Smart Fuel Card Alternatives

If you want to compare the Fleet Smart fuel card to other options, take a look at the best fuel cards for trucking companies.

One strong alternative is the Voyager fuel card, which offers:

• Accepted at 97% of fuel stations
• No monthly card fees, account setup fees, late fees, or transaction fees
• Trustpilot rating: 4.8/5
• Free fraud loss coverage