Best Mudflap Fuel Card Alternatives for Business Fleets

Mudflap has become a popular fuel card for trucking companies because of its truck stop discounts and nationwide acceptance. However, it may not be the right fit for every business. Some fleets may prefer the stronger controls and detailed transaction data that come with a fuel card that runs on a dedicated fuel network, while others may want a fuel card with cost-plus pricing.

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

Quick Comparison of Mudflap Alternatives

Best Mudflap Alternatives

1. Open Roads

The Open Roads Commercial fuel card is designed for trucking companies that want strong diesel discounts at truck stops. It runs on the EFS network and is accepted at 16,000 fuel locations nationwide, with its best pricing available at more than 3,800 in-network truck stops. Fleets can typically save 25-40¢ per gallon on diesel at these locations, but the card charges a $7.95 monthly account fee along with transaction fees, making it most cost-effective for fleets that regularly fuel within the Open Roads network. It also includes EFS fleet controls, fraud monitoring, and reporting tools to help manage fuel spending.

How Open Roads Compares to Mudflap

Pros

• Strong diesel discounts at 3,800+ truck stop locations
• Dedicated fuel network has stronger controls

Cons

• Monthly account and transaction fees
• Fewer accepting locations
• Discounts are on diesel only

In-depth comparison: Mudflap vs. Open Roads

Good fit if: You operate an over-the-road fleet that fuels primarily at truck stops and can consistently take advantage of Open Roads' in-network diesel discounts.

2. EFS

The EFS fuel card is an over-the-road (OTR) fleet card from WEX that's designed for mid-sized and large trucking fleets. It's accepted at more than 16,000 truck stops nationwide and offers cash pricing at participating locations. Fuel discounts, fees, and pricing are customized based on your fleet size and negotiated agreement, making it a good option for fleets that want custom pricing tailored to their fuel volume and operations.

How EFS Compares to Mudflap

Pros

• Custom pricing for your account
• Dedicated fuel network has stronger controls

Cons

• You have to contact EFS to find out how pricing and fees compare to other fuel cards
• Fewer accepting locations

Good fit if: You operate a mid-sized or large trucking fleet and want a fuel card with negotiated pricing, cash-price discounts at truck stops, and the controls that come with a dedicated fuel network.

3. CFN

The CFN fuel card is built for business fleets that operate in the Western U.S. It provides cost-plus fuel pricing at more than 3,000 CFN cardlock locations, primarily across California, Oregon, Washington, Arizona, and Nevada. It 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.

CFN is a popular choice for fleets in the West because there are more cardlock locations with 18-wheel access than traditional truck stops, and fuel prices at these locations are often lower than retail. The card also has no monthly fees or late fees, making it a cost-effective option for businesses that want consistent access to discounted fuel without paying ongoing account fees.

How CFN Compares to Mudflap

Pros

• More discount locations with 18-wheel access than truck stops on the West Coast
• No monthly fee
• No late fee

Cons

• Limited discount locations outside the Western U.S.

Good fit if: Your company operates diesel vehicles in the Western U.S. where you can benefit from CFN’s strong coverage of 18-wheel-access stations and its cost-plus fuel pricing.

4. AtoB

AtoB is a fintech company that offers a fleet fuel card accepted anywhere Mastercard is accepted. It's designed for both business fleets and trucking companies. While drivers can use the card at most fuel stations, the largest fuel discounts are typically available at participating truck stops, making it a strong option for over-the-road (OTR) fleets that fuel primarily at major truck stop chains.

How AtoB Compares to Mudflap

Pros

• Accepted anywhere Mastercard is accepted
• Substantial discounts at truck stops
• Prepaid fuel card option

Cons

• Monthly card fees
• Like Mudflap, the AtoB fuel card runs on a fleet credit card network (Mastercard), which has fewer purchase restrictions than traditional fleet card networks, so AtoB adds control with SMS and mobile app unlock. This can be a challenge for fleets where drivers don’t want to use personal phones, and companies may need to reimburse phone use or provide company devices.

Good fit if: You want a tech-focused fuel card that offers truck stop discounts and features built for over-the-road (OTR) operations. The prepaid fuel card option is also nice for businesses that don't want a credit line or don't have established credit.

5. Comdata

Comdata is an over-the-road (OTR) fuel card that's accepted at more than 8,000 truck stops nationwide. It offers cash-price fuel discounts at participating truck stops, making it a popular choice for trucking companies that fuel primarily on the interstate. The card also includes fleet controls, reporting, and an online account management portal designed specifically for OTR fleets.

How Comdata Compares to Mudflap

Pros

• No monthly card fee with the entry level Simple Saver plan
• Discounts are based on the cash price, which is typically 10-20¢ per gallon lower than the credit price

Cons

• Only accepted at 8,000 truck stops, however, Comdata does offer a Mastercard version of its fleet card, but it may have different discounts and fees
• Larger late payment fee

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

6. 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 Mudflap

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 Mudflap Alternative

• Choose Open Roads if your trucking fleet fuels primarily at truck stops and you want strong diesel discounts through the EFS network.
• Choose EFS if you operate a mid-sized or large trucking fleet and want negotiated pricing, cash-price discounts, and the controls of a traditional fleet card.
• Choose CFN if your fleet operates in the Western U.S. and can take advantage of discounted cost-plus pricing at CFN cardlock locations.
• Choose AtoB if you want a tech-focused fuel card with substantial truck stop discounts and nationwide Mastercard acceptance.
• Choose Comdata if your fleet fuels almost exclusively at truck stops and you want cash-price discounts through a dedicated trucking fuel network.
• Choose Voyager if your drivers fuel at a mix of gas stations and truck stops and you want nationwide acceptance, no monthly or late fees, and the controls of a traditional fleet card.

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.