WEX vs. AtoB: Fleet Fuel Card Comparison Guide [2026]

WEX and AtoB are both widely accepted fuel cards that offer strong reporting and controls, but they’re built with some slight differences. WEX is a long-established fleet card that runs on a dedicated fuel network and focuses heavily on structured controls and savings at gas stations. AtoB is a newer fintech fuel card built with trucking fleets in mind, offering aggressive diesel discounts at truck stops and modern app-based management tools.

In this guide, we break down accepting locations, discounts, fees, reviews, fraud protection, controls, and reporting so you can clearly see how they stack up. By the end, you’ll know which card makes the most sense based on where your drivers fuel and how your fleet operates.

Table of Contents

• WEX vs. AtoB: overview
• Accepting locations
• Discounts
• Fees
• Reviews
• Fraud protection
• Controls and reporting
• WEX and AtoB alternatives
• Which fuel card is best for your business?
  
  

WEX vs. AtoB: Overview

Use this chart for a quick side-by-side comparison of both fuel card companies. The information is pulled from their official websites and third-party review platforms, so you can easily see how they compare at a glance.

WEX vs. AtoB: Accepting Locations 

WEX and AtoB are both considered universal fuel cards because they’re widely accepted at fuel stations across the U.S. WEX is accepted at about 95% of stations nationwide, while AtoB can be used anywhere Mastercard is accepted.

WEX vs. AtoB: Discounts 

AtoB offers discounts that average 45¢ per gallon on diesel at 4,200+ truck stops and 5¢ per gallon on gas at 30,000+ fuel stations. They also offer discounts on non-fuel items such as maintenance, truck washes, fleet software, and more. Since AtoB is more focused on trucking fleets, they provide better discounts at truck stops and don't charge truck stop transaction fees.

WEX’s discount program is a bit more complex. You can earn 3-15¢ per gallon at gas stations in the WEX nationwide savings network. Outside that network, WEX offers a volume-based rebate of 1-3¢ per gallon depending on how many gallons you purchase each month at eligible locations. WEX also offers brand-specific cards that can provide rebates of up to 8¢ per gallon at select branded stations.

✅Pro tip: Review your fuel purchases to see which brands your drivers use most, then compare which fuel card offers the best discounts at those locations.

WEX vs. AtoB: Fuel Card Fees 

WEX charges $4 per card per month and has several other line-item fees. AtoB charges $3 per card per month on its Basic tier and $6 per card per month on its Premium plan, which includes additional features.

If you run a trucking company and your drivers fuel at truck stops, AtoB is a better fit because it does not charge transaction fees at the pump. WEX charges an extended network fee of up to $3 per transaction when the card is used at truck stop diesel lanes.

WEX vs. AtoB: Reviews

WEX offers several financial products beyond fleet cards, so keep that in mind when you review customer feedback. Their Trustpilot ratings are also split across two profiles, WEX Capital and WEX, which can make the scores harder to understand at a glance.

Make sure to read through the written reviews and look for recurring themes so you understand the most common feedback for both fuel card companies.

✅Pro tip: Test the customer support by calling the customer service phone number for each fuel card company to see how quickly they respond and can resolve an issue.

WEX vs. AtoB: Fraud Protection

Both WEX and AtoB offer strong fraud protection. You get real-time fraud monitoring and alerts, app-based card unlock before fueling, and telematics integrations that can validate vehicle proximity and tank level before a transaction goes through. AtoB also gives you SMS unlock as an alternative to the app if your drivers would rather use text. These features help reduce the risk of unauthorized purchases.

AtoB also offers fraud coverage of up to $250,000 per year, depending on eligibility and fleet size, if fraud does occur on your account. WEX does not publish a fraud coverage policy on its website.

WEX vs. AtoB: Fuel Card Controls and Reporting 

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Both cards offer strong controls and reporting, but they work a little differently. WEX is a traditional fleet fuel card that runs on a dedicated fuel card network. Because that network is built for fleets, merchants are set up to enforce prompts and capture Level III purchase data at the point of sale.

AtoB runs on the Mastercard fleet network, and not every station consistently enforces fleet prompts the same way. To tighten control at the pump, AtoB uses mobile app and SMS unlock. Before fueling, the driver either signs in to the app or texts the AtoB phone number with the last four digits of their card number. AtoB verifies the driver through the app or text and activates the card for 30 minutes.

Because AtoB is built primarily for trucking companies, they also offer a driver pay feature that allows you to pay drivers and manage payroll directly through their platform. WEX does not offer driver pay through its standard fleet card program. However, WEX does own two OTR-focused fuel cards, EFS and Fleet One, that provide similar trucking specific features.

✅Pro tip: Make a list of the specific goals you want to achieve, then ask the sales team how their fuel card can help you get there. That way, you know you’re choosing a card with the features you actually need.

WEX and AtoB Alternatives 

If WEX or AtoB aren’t the right fit, the Voyager fleet fuel card is worth a closer look. It offers nationwide acceptance, strong spend controls, and clear fuel reporting to help you track costs and manage drivers effectively, with no monthly card fees and no late fees.

You can also explore additional options by reviewing our list of the best fuel cards for 2026 to compare features, fees, and discounts.

WEX vs. AtoB vs. Alternatives: Which Card is Best for Your Business?

The right fuel card comes down to where you buy fuel and what features you need. WEX is a strong fit for fleets that want a traditional fuel card program built on a dedicated fleet network. If most of your drivers fuel at retail gas stations and you plan to use the WEX nationwide savings network or branded card programs, WEX can deliver rebates and structured controls. Just be aware of fees, especially if your drivers fuel at truck stop diesel lanes.

AtoB is often the better choice for trucking fleets. Their average truck stop discounts are significantly higher, they do not charge truck stop transaction fees, and they offer additional tools like driver pay. If your fleet runs long haul, fuels primarily at truck stops, and wants modern app-based controls with fraud coverage, AtoB provides more value.

If you want a card with free fraud protection and no monthly card fees or late fees, Voyager is a strong alternative. It offers broad acceptance, solid controls, and straightforward reporting without many of the extra program fees that can add up over time.