Fuel Cards for owner-operators & small fleets

Fuel cards save money through network discounts at truck stops and make expense tracking easier. Discount structures vary a lot: some give retail-minus pricing at a set network, others a cents-per-gallon rebate. Some require factoring or a credit check.

9 fuel cards at a glance

NameStarting price (published)Best for
Apex Fuel CardContact for pricingOwner-operators & small fleets
AtoBContact for pricingOwner-operators & small fleets
Bobtail Fleet CardContact for pricingOwner-operators & small fleets
Coast$4/active user/moSmall fleets
Comdata$0 monthly account feeOwner-operators & small fleets
EFS / Fleet One (WEX)Contact for pricingOwner-operators & small fleets
MudflapContact for pricingOwner-operators
RTS Pro Fuel CardContact for pricingOwner-operators & small fleets
TCS Fuel Card$0/mo (no monthly or annual fees)Owner-operators & small fleets

Listed in no particular ranking order. Prices were checked on vendor sites on October 30, 2026 and can change at any time. “Contact for pricing” means the vendor does not show a price publicly and quotes on request.

What to check before you choose

  • Ask how the discount is calculated (retail-minus, cost-plus, or rebate) and which truck stops honor it in your lanes.
  • Check for card fees, out-of-network fees, and monthly minimums.
  • See whether you need a credit check, a deposit, or a factoring relationship to qualify.
  • If you run drivers, look for per-card limits, product restrictions and IFTA-ready reports.

All fuel cards

Apex Fuel Card

Apex Capital's EFS-based fuel card with in-network savings.

Contact for pricingOwner-operators & small fleets

AtoB

Fuel card on the Mastercard network with discounts and spend controls.

Contact for pricingOwner-operators & small fleets

Bobtail Fleet Card

Fee-free Mastercard fleet card with fuel savings at participating locations.

Contact for pricingOwner-operators & small fleets

Coast

Fuel and fleet expense card with per-driver controls and receipt capture.

$4/active user/moSmall fleets

Comdata

Long-standing trucking fuel card with truck stop discounts, permits and tax services.

$0 monthly account feeOwner-operators & small fleets

EFS / Fleet One (WEX)

WEX-owned trucking fuel and payment cards used by owner-operators through large carriers.

Contact for pricingOwner-operators & small fleets

Mudflap

App that unlocks diesel discounts at independent truck stops using your own card; also offers a fuel card.

Contact for pricingOwner-operators

RTS Pro Fuel Card

RTS fuel card with diesel discounts and credit lines, tied to the RTS app.

Contact for pricingOwner-operators & small fleets

TCS Fuel Card

Trucker fuel card advertising no activation, monthly or annual fees and in-network discounts.

$0/mo (no monthly or annual fees)Owner-operators & small fleets

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