If you’re looking for a fuel card that offers nationwide acceptance and simple pricing, the RCPA fuel card is built to deliver consistent savings without the usual fuel card fees.
Because it runs on the Mastercard network, your drivers can fuel almost anywhere, while still earning rebates at both preferred and non-preferred locations. That combination of flexibility and savings makes it a strong option for fleets that don’t want to be tied to a specific network.
In this review, we break down where the RCPA fuel card is accepted, how the discounts work, the fees to expect, and the controls and reporting tools included. We’ll also cover the key pros and cons and compare alternatives to help you decide if it’s the right fit for your business.
Table of Contents
- RCPA fuel card: overview
- What is the RCPA fuel card?
- Where is the RCPA fuel card accepted?
- RCPA fuel card discounts
- RCPA fuel card fees
- RCPA fuel card controls and reporting
- Pros and cons of the RCPA fuel card
- RCPA fuel card alternatives
RCPA Fuel Card: Overview
| RCPA Fuel Card | |
| Accepting Locations | Anywhere Mastercard is accepted |
| Discounts | Up to 10¢/gal on diesel and 8¢/gal on unleaded |
| Monthly card fee | $0 |
| Late fee | 9.99% |
| Reviews | Google: 4.9/5 |
| Fraud protection | Real-time fraud monitoring and alerts, chip in every card |
| Controls | Spend limits, restrict fueling times and days, merchant blacklist |
| Reporting | Transaction reports, fuel summary reports, IFTA, missed savings report |
What Is the RCPA Fuel Card?
The RCPA fuel card is a fleet fuel card designed for businesses that want nationwide acceptance, consistent rebates, and simple pricing without the fees.
The card runs on the Mastercard network, so it can be used at any gas station or truck stop that accepts Mastercard, giving your drivers the flexibility to fuel almost anywhere without worrying about network restrictions.
RCPA stands out for its fuel savings program. It offers higher discounts at Premier Stations, with 8¢ per gallon on diesel and 3¢ per gallon on unleaded, while still providing smaller rebates everywhere else. This means your fleet can still save even when drivers aren’t able to fuel at Premier Stations.
Another key advantage is its no-fee structure. The card has no monthly fees, transaction fees, or out-of-network fees, making it easy to understand your total cost. The only fee is a late fee if an invoice isn’t paid on time.
The card also includes controls and reporting tools to help manage fuel spend which can be accessed through their easy-to-use fuel card portal called the Savings Dashboard. Fleet managers can set transaction limits, restrict purchases by time and location, enable pump-only use, and monitor transactions through reports and a savings dashboard, helping improve visibility and influence better fueling behavior.
Where Is the RCPA Fuel Card Accepted?
Since the RCPA fuel card runs on the Mastercard network, it works at any gas station or truck stop that accepts Mastercard. Because Mastercard is widely accepted across the U.S., RCPA works almost anywhere your drivers fuel up.
RCPA Fuel Card Discounts
RCPA offers 8¢ per gallon on diesel and 3¢ per gallon on unleaded gasoline at Premier Stations. At all other locations, rebates are 3¢ per gallon on diesel and 1.5¢ per gallon on unleaded gasoline, so you can still save if you can't make it to a Premier Station.
| Savings at Premier Stations | Savings Everywhere Else | |
| Diesel | 8¢/gal | 3¢/gal |
| Unleaded | 3¢/gal | 1.5¢/gal |
RCPA Premier Stations
See RCPA's Premier Stations below. You can also use RCPA's map to find Premier Stations near you.
| RCPA Premier Stations | |
| 7-Eleven | Maverik |
| Casey’s | Minit Mart |
| CEFCO | QuikStop |
| Certified Oil | RaceTrac |
| Circle K | RaceWay |
| Cumberland Farms | Sheetz |
| Holiday | Speedway |
| Kwik Shop | Sprint |
| Kwik Star | Stripes |
| Kwik Trip | Tom Thumb |
| Kum & Go | Turkey Hill |
| Loaf ’N Jug | |
RCPA Fuel Card Fees
The RCPA fuel card does not charge monthly card fees, transaction fees, account maintenance fees, out-of-network fees, or membership fees. The only fee they charge is a late fee if you don't pay an invoice on time.
| Fee | Amount |
| Late fee | 9.99% |
RCPA Fuel Card Controls and Reporting
Controls
- Pump only restriction: Allow the card to only be used at the pump which prevents in-store purchases.
- Transactions per day: Number of fuel transactions permitted on each card per day.
- Daily dollar limit: Dollar amount a driver can purchase per day.
- Day of week: Days when a card can be used.
- Time of day: Hours when a card can be used.
- Fraud protection: Real-time fraud monitoring and alerts.
- Geofencing restriction: Set up geofencing to restrict purchases by location.
- Location alerts: Get real time alerts if card is used outside of approved areas.
Reporting
- Savings dashboard: Overview of fuel spend, gallons, and missed savings opportunities.
- Transaction report: View and download transactions.
- Card management: View, edit, and download active or inactive cards on your account.
Pros and Cons of the RCPA Fuel Card
Pros
- Works almost anywhere, so drivers don't have to go out of their way to fill up
- Large network of Premier discount locations, with smaller discounts still available everywhere else
- Easy-to-use fuel card dashboard
- Savings dashboard shows savings opportunities to influence better driver purchasing behavior
- Focused on personal customer service
Cons
- Mastercard network has fewer purchase restrictions than traditional fleet card networks
RCPA Fuel Card Alternatives
If you want to compare RCPA with other options, check out our list of the 10 best fuel cards for business in 2026.
One strong alternative to consider 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
