Mudflap Fuel Card Review: Is it the Right Fuel Card for Your Business?

Mudflap built its reputation in the trucking industry with its discount fuel mobile app. Now the Mudflap fuel card brings those savings into a fuel card program that gives fleet managers more control and visibility over driver purchases. The question is whether it’s the right fit for your business.

In this review, we’ll break down how the Mudflap fuel card works, where it’s accepted, what discounts and fees to expect, and the controls and reporting features it offers. We’ll also cover the pros and cons and provide some alternative fuel cards so you can decide if it's the best card for your business.

Mudflap Fuel Card: Overview

What Is the Mudflap Fuel Card?

Mudflap launched in 2020 as a mobile app that helps truckers save money through discounts at partner fuel locations. In 2023, Mudflap launched its own fuel card, giving trucking fleets greater control over driver fuel purchases and detailed reporting insights, while still providing access to the same fuel discounts available through the app.

Today, Mudflap offers substantial discounts at more than 3,600 in network locations, with average savings estimated at 57¢ per gallon. Unlike traditional trucking fuel cards that run on dedicated fuel networks, Mudflap runs on the Visa network, so it can be used at any truck stop or gas station that accepts Visa.

On the management side, Mudflap includes controls like transaction limits, spend category restrictions, and SMS or app based card unlock. It also offers telematics powered security that can confirm the vehicle is near the station and the tank level makes sense before approving a purchase. Fleet managers also get access to a portal to manage cards, review transactions, download IFTA reports, and route drivers to the lowest priced locations.

Mudflap keeps pricing simple. There are no monthly card fees, setup fees, or transaction fees. The only fees are late payment fees if invoices aren’t paid on time. If your fleet is diesel heavy and you want strong truck stop discounts without subscription costs, Mudflap is a good option.

Where Is the Mudflap Fuel Card Accepted?

Since Mudflap runs on the Visa network, it works at any truck stop or gas station that accepts Visa. And because Visa is one of the most widely accepted card networks in the United States, Mudflap will work almost anywhere your drivers fuel up.

Mudflap Fuel Card Discounts

Mudflap offers estimated discounts of 57¢ per gallon at more than 3,600 partner locations. At all other stations that accept Visa, you’ll receive 2¢ per gallon off. You can use the Mudflap app to find locations with the best discounts and pricing.

Mudflap Fuel Card Fees

The Mudflap fuel card has no account setup fees, annual fees, transaction fees, or monthly card fees. The only fee is a late fee that ranges from 3-6% depending on how late your payment is after the due date.

Mudflap Fuel Card Controls and Reporting

Controls

• Dollar limits per transaction, day, or week: Limit the dollar amount a driver can spend per transaction, day, or week.
• Pin code verification (SMS or mobile app): Requires drivers to text the Mudflap phone number or log in to the mobile app to unlock the fuel card before making a purchase.
• Spend category controls: Select which items your drivers can buy such as, fuel, maintenance and parts, roadside assistance, etc.
• Telematics-powered security: Use telematics to validate vehicle proximity to the station and a reasonable tank level before a transaction goes through.
• Fraud protection: Real-time fraud monitoring and alerts, chip in every card, SMS or App unlock before fueling.

Reporting

• Route optimizer: Route your drivers to the best priced stations.
• Transaction detail report: See transaction details by date, driver, and location.
• IFTA fuel report: Download transactions for IFTA reporting.
• Spend summary report: See total spent by day, month, or quarter.
  
  

Pros and Cons of the Mudflap Fuel Card

Pros

• Substantial discounts at 3,600 locations
• No monthly card fees, transaction fees, or setup fees
• Accepted at any station that takes Visa
• Easy to use fuel card portal with additional fraud protection features

Cons

• Some Visa network merchants don't provide Level III fuel data 
  
  

Mudflap Fuel Card Alternatives

If you want to compare the Mudflap fuel card to other options, take a look these Mudflap fuel card alternatives.

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 extended network fees
• Trustpilot rating: 4.8/5
• Free fraud loss coverage