Trucking Fuel Cards Compared: Discounts, Networks, Credit Checks and Fees
Published diesel discounts range from a 15¢/gal average (WEX Fleet One EDGE, 2019 survey) to 42¢ (AtoB, H2 2025) and 49¢ (TCS, 2026) averages, with “up to” claims of $1.00 (Mudflap) and 65¢ (Pilot Axle). TCS is cash-secured with no credit check; Mudflap, AtoB and Pilot say no hard credit check. Fees differ more than discounts.
By TruckerStack Editorial, AK Digital Marketing LLC · Published 2026-11-10 · Updated 2026-11-10 · checked against the official sources cited · Editorial policy · Not insurance, legal or financial advice.
Fuel cards side by side
Independent, not affiliated: TruckerStack (AK Digital Marketing LLC) is not affiliated with, endorsed by or paid by any company on this page, and has no affiliate agreements with them today. Brand names are trademarks of their owners and are used only to identify the products reviewed. If that ever changes, links will be labeled “sponsored” and will not change the data or criteria. Every figure below is quoted from the company's own public page or terms, fetched on 2026-11-10; confirm the fee schedule attached to your own application before you sign.
| Card | Published per-gallon discount | Station network | Credit check / account type | Published fees | Source (Verified 2026-11-10) |
|---|---|---|---|---|---|
| WEX — Fleet One EDGE WEX Bank; for over-the-road fleets of 1–50 trucks | Average 15¢/gal at 2,200 EDGE Discount Sites (WEX's own 6-month survey from 2019; “not a guarantee of future pricing”) | Accepted at 12,000+ truck stops; no fuel transaction fee at in-network sites (4,000+ per the card page). EDGE network includes Pilot Flying J, TA/Petro, AMBEST, Circle K; discounts at Pilot Flying J, TA/Petro and AMBEST need merchant approval | Credit line at the issuer's sole discretion; issuer may investigate the company's financial condition; prepaid accounts for qualified applicants. Hard vs soft pull: not published | $75 setup; $8/month per active card; $0 in-network and $2.00 out-of-network funded fuel transaction; $3.00 cash advance; late fee greater of $150 or 6.99% | WEX: Fleet One EDGE Card; WEX: Fleet One Edge Account Fees Schedule & Terms |
| EFS (a WEX brand) — EFS Fuel Card / EFS Mastercard Fleet Card WEX positions EFS for fleets of 50+ trucks | not published. The Mastercard Fleet Card page lists “cash price for fuel in the EFS truck stop merchant network” | 16,000+ EFS truck stop locations; the Mastercard version adds 10.3 million+ Mastercard locations | not published | not published on the product pages (pricing is set per program) | WEX: EFS Fuel Card; WEX: EFS Mastercard Fleet Card; WEX: trucking fleet cards |
| AtoB AtoB Flex (credit) and AtoB Unlimited (prepaid) | Average 42¢/gal, up to $2.00/gal on truck diesel at partner truck stops (AtoB customer transactions, H2 2025); 5¢/gal average on unleaded | 4,200+ discount truck stops; accepted wherever Mastercard is accepted | Credit application “does not require a hard credit check”; limit based on weekly fuel spend; prepaid option; cards subject to credit approval | Flex: $15/month for 1–5 cards then $3 per active card; Unlimited: $3 per active card/month; Premium tier $6/card; $35 setup; late fee greater of $99 or 9% (+$99 or 6% after 30 days). Fee schedule dated 2024-10-16 | AtoB homepage & FAQ; AtoB Fee Schedule & Terms (linked from atob.com) |
| Mudflap Visa business charge card (Celtic Bank or Community Federal Savings Bank) | Up to $1.00/gal at in-network truck stops (varies by stop); 2¢/gal at out-of-network stops | 3,600+ in-network truck stops (fuel card page; homepage says 3,800+); accepted wherever Visa is accepted | “Does not run any hard credit checks”; cards subject to credit approval; agreement allows a review of credit history | No activation, monthly, annual, per-card, per-swipe or out-of-network fees; late fee greater of $10 or 3% after 7 days, then $10 or 6%; $10 returned payment; 3% pay-by-card. Agreement updated 2026-10-23 | Mudflap: Fuel Card; Mudflap: FAQ (credit checks); Mudflap Business Charge Card Agreement |
| TCS Fuel Card TransConnect Services; runs on EFS or Comdata platforms | Average 49¢/gal at in-network locations (TCS client transactions, Q1–Q3 2026) | 2,300+ in-network locations; accepted at 12,000+ locations “where you'll never pay more than cash price” | No credit check: cash-secured (prepaid) account, not a credit card | $0 activation, membership, monthly or annual fees; $0 in-network transaction fees; out-of-network fees “may apply and vary by location” (amount not published) | TCS Fuel homepage; TCS Fuel FAQ |
| Comdata — Simple Saver Corpay; small-business card | Up to 25¢ off diesel at TA/Petro and up to 8¢ at Pilot and Love's; advertised discounts only for fleets of 20 trucks or fewer and on-time payers | Comdata truck-stop network; daily per-site discounts shown in the Comdata Fuel Locator | “Subject to credit review and approval”; terms consent to credit investigations | $0 monthly account fee; $0 truck-stop fee; $50 account setup; late fee greater of $150 or 13.99%, plus late interest at WSJ Prime + 4% | Comdata fuel cards; Comdata Simple Saver terms (PDF) |
| Pilot — Axle Fuel Card Pilot Company's own fleet card | “Savings of up to $.65 per gallon of diesel” (footnoted; conditions not shown on the page) | Pilot, Flying J and One9 locations; Pilot lists 900+ fueling locations in North America | “No hard credit checks or upfront restrictions” | not published on the overview page (Pilot's Direct Bill option lists “no card fees”) | Pilot: Credit Offerings (Axle Fuel Card) |
Verified 2026-11-10 against each company's own pages and terms. “Not published” means we could not find the number on the company's public pages or terms on that date; ask the issuer in writing. Sorted by issuer group, not ranked.
How to read the discount column
- Average vs “up to”. An average (WEX, AtoB, TCS) tells you more than an “up to” maximum (Mudflap, Pilot, Comdata). AtoB publishes both: 42¢ average, $2.00 maximum.
- Different years. WEX's 15¢ figure comes from a 2019 survey; AtoB's from H2 2025; TCS's from Q1–Q3 2026. They are not measured the same way and cannot be ranked against each other.
- Network matters more than the headline. A discount only exists at in-network stops. TCS (2,300+), Mudflap (3,600+), AtoB (4,200+) and Fleet One EDGE (2,200 EDGE discount sites) all publish different in-network counts; check the stops on your own lanes in each issuer's fuel finder.
- Pilot Flying J. Pilot's Axle card works only at Pilot, Flying J and One9. AtoB says it currently cannot port existing Pilot Flying J discounts. WEX says EDGE discounts at Pilot Flying J are subject to the merchant's approval.
If you have new authority or thin credit
| Situation | What the issuers publish |
|---|---|
| No credit check at all | TCS: cash-secured account, “do not require a credit check”. |
| No hard credit check | Mudflap, AtoB and Pilot Axle say they run no hard credit check; Mudflap and AtoB still subject cards to credit approval. |
| Credit review | Comdata: subject to credit review and approval. WEX Fleet One EDGE: credit at WEX Bank's discretion, prepaid accounts for qualified applicants. |
| Extra cost for higher-risk credit | AtoB's Credit Enablement Program: $75 one-time fee plus a surcharge of up to 30¢ per gallon for a fixed period. |
Put the numbers in your own math
Monthly savings = in-network gallons × discount per gallon − monthly card fees. Example arithmetic only: 1,500 in-network gallons at 10¢ off is $150 a month before fees; one card at $8 a month leaves $142. Use your real gallons and the discount you see in the issuer's app for your stops, then put the net fuel price into the cost per mile calculator.
IFTA records from a fuel card
AtoB lists an IFTA report of gallons by vehicle and jurisdiction, Mudflap advertises one-click IFTA reporting, and TCS says its itemized statements suit IFTA. Under the IFTA Procedures Manual a card statement only counts if each purchase shows the required data elements: see IFTA fuel receipt requirements, then run your quarter in the IFTA calculator.
Card reviews
- WEX fuel card review (Fleet One EDGE, EFS, WEX Fleet Card)
- AtoB fuel card review
- How to choose a fuel card for a trucking company
Fuel card partner offers: coming soon (no partner today). Until then, use the tables above and the issuers' own sites.
FAQ
Which fuel card has the biggest discount?
No issuer publishes comparable numbers. Averages: WEX Fleet One EDGE 15¢/gal (2019 survey), AtoB 42¢ (H2 2025), TCS 49¢ (Q1–Q3 2026). Maximums: AtoB up to $2.00, Mudflap up to $1.00, Pilot Axle up to 65¢. Your discount depends on where you fuel.
Which fuel cards have no credit check?
TCS says its cash-secured accounts do not require a credit check. Mudflap, AtoB and Pilot say they run no hard credit check, but Mudflap and AtoB cards are still subject to credit approval.
Which fuel cards have no monthly fee?
TCS publishes $0 activation, membership, monthly and annual fees; Mudflap publishes no activation, monthly, annual or per-card fees; Comdata Simple Saver lists a $0 monthly account fee. AtoB and Fleet One EDGE charge per-card monthly fees.
Is TruckerStack paid by any of these companies?
No. We have no affiliate agreements with any issuer on this page today. Any future affiliate links will be labeled sponsored.
How current is this table?
Every cell was checked against the issuer's own page or terms on 2026-11-10. Fee schedules can change on notice, so confirm the schedule attached to your application.