If your drivers regularly fuel at RaceTrac or RaceWay, the RaceTrac fuel card is a great way to earn rebates while adding more control over your company’s fuel spending.
In this review, we break down how the RaceTrac Elite Card and Universal Card compare, including where they’re accepted, how the introductory and ongoing rebates work, and what fees to watch for. We’ll also cover the built in controls and reporting tools that come with the WEX platform, highlight the key pros and cons, and provide some alternatives to help you decide if this card is the right fit for your fleet.
Table of Contents
- RaceTrac fuel card: overview
- What is the RaceTrac fuel card?
- Where is the RaceTrac fuel card accepted?
- RaceTrac fuel card discounts
- RaceTrac fuel card fees
- RaceTrac fuel card controls and reporting
- Pros and cons of the RaceTrac fuel card
- RaceTrac fuel card alternatives
RaceTrac Fuel Card: Overview
| RaceTrac Fuel Card | |
| Accepting Locations | 800+ RaceTrac and RaceWay stations, 95% of fuel stations |
| Discounts | Up to 5¢/gal at RaceTrac and RaceWay stations |
| Monthly card fee | $2 per card |
| Late fee | 9.99% |
| Reviews | Trustpilot: 4.3/5 (WEX Capital), 1.3/5 (WEX) |
| Fraud protection | Dynamic prompt, real-time fraud monitoring and alerts |
| Controls | Spend controls, restrict fueling times and days |
| Reporting | Purchase activity, custom reports, summary reports, tax exemption reports |
What Is the RaceTrac Fuel Card?
The RaceTrac fuel card is a branded business gas card built for companies that regularly fuel at RaceTrac and RaceWay locations and want per gallon rebates with built in fleet controls and reporting.
It’s issued through WEX and comes in two versions:
- RaceTrac Elite Card: Accepted only at RaceTrac and RaceWay stations. It offers higher rebates at those locations and does not charge a monthly card fee or an account setup fee.
- RaceTrac Universal Card: Accepted at RaceTrac and RaceWay locations plus the broader WEX network, giving fleets access to 95% of fuel stations nationwide. This version offers lower rebates and includes a monthly per card fee and a one time setup fee.
Both cards include a 7¢ per gallon introductory discount for the first six months. After that, they move to a tiered rebate structure based on how many gallons your fleet purchases each month at RaceTrac and RaceWay stations.
Since the card runs on the WEX platform, you also get standard fleet card management tools. That includes transaction limits, day and time restrictions, PIN or app based pump authorization, real time alerts, and detailed reporting for transactions, summaries, and tax data.
Where Is the RaceTrac Fuel Card Accepted?
The RaceTrac Universal Card is accepted at 800+ RaceTrac and RaceWay locations, plus the broader WEX network, giving you access to about 95% of fuel stations nationwide. The RaceTrac Elite Card is accepted only at RaceTrac and RaceWay locations. Use the links below to find stations near you that accept each card.
| RaceTrac Universal Card | RaceTrac Elite Card |
RaceTrac Fuel Card Discounts
The RaceTrac fuel card includes a 7¢ per gallon introductory discount at RaceTrac and RaceWay locations for the first six months after you open a new account. After that, you move to the standard rebate program based on your monthly gallons at RaceTrac and RaceWay stations, with rebates up to 3¢ per gallon on the Universal Card and up to 5¢ per gallon on the Elite Card. See the rebate tiers below.
RaceTrac Universal Card Rebate Tiers
(RaceTrac and RaceWay, plus 95% of fuel stations nationwide)
| Gallons Purchased at RaceTrac and RaceWay (Per Month) |
Rebate Per Gallon |
| 400-2,999 | 1¢ |
| 3,000-4,999 | 1.5¢ |
| 5,000-6,999 | 2¢ |
| 7,000-9,999 | 2.5¢ |
| 10,000+ | 3¢ |
RaceTrac Elite Card Rebate Tiers
(RaceTrac and RaceWay stations only)
| Gallons Purchased at RaceTrac and RaceWay (Per Month) |
Rebate Per Gallon |
| 200-2,999 | 1¢ |
| 3,000-4,999 | 2¢ |
| 5,000-6,999 | 3¢ |
| 7,000-9,999 | 4¢ |
| 10,000+ | 5¢ |
RaceTrac Fuel Card Fees
The RaceTrac fuel cards have slightly different fee structures based on which version you select. Below is a clear breakdown of the fees for each option.
| Fee | RaceTrac Universal Card |
RaceTrac Elite Card |
| Monthly card fee | $2 per card | $0 |
| Late fee | 9.99% | 9.99% |
| Truck stop fee | $1.25 per swipe at a truck stop | $1.25 per swipe at a truck stop |
| Account setup fee | $40 | $0 |
| Replacement card fee | $2 per standard card, $3 per chip enabled card | $2 per standard card, $3 per chip enabled card |
| Paper delivery fee | $10 per month for paper reporting | $10 per month for paper reporting |
| Reproduced reports fee | $25 per request | $25 per request |
| Research fee | $15 per hour | $15 per hour |
RaceTrac 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.
- PIN: Custom number assigned to each card or driver. A valid PIN must be entered to enable fueling.
- Transactions per time period: Number of fuel transactions permitted on each card per time period.
- Dollars per transaction: Dollar amount a driver can purchase per transaction.
- Dollars per day or week: The number of dollars a driver can purchase in a day or week.
- Day of week: Days when a card can be used.
- Time of day: Hours when a card can be used.
- Fraud protection: 24/7 fraud monitoring.
Reporting
- Real-time monitoring: Spending alerts sent immediately after each transaction.
- Purchase activity report: Monitor all fuel and maintenance purchases.
- Custom reports: Set your own criteria to create custom exception, transaction summary, and transaction detail reports.
- Summary reports: Run financial summary, site summary, and exception summary reports.
- Tax exemption reports: For qualified tax-exempt businesses, view tax information at both the transaction and summary level, and include all tax exemptions that can be applied to your account.
Pros and Cons of the RaceTrac Fuel Card
Pros
- Discounts at RaceTrac and RaceWay stations
- Easy to use fuel card management portal
Cons
- Transaction fees at truck stops
RaceTrac Fuel Card Alternatives
If you want to see how the RaceTrac fuel card compares to other options, check out our list of the best universal fleet fuel cards.
One strong alternative is the Voyager fuel card, which offers:
- Accepted at 97% of fuel stations
- 3¢ per gallon discount at RaceTrac and RaceWay locations, no volume rebate tiers
- No monthly card fees, account setup fees, late fees, or extended network fees
- Trustpilot rating: 4.8/5
- Free fraud loss coverage
