AtoB Fuel Card Review: Discounts, Fees, Who It's For
AtoB advertises an average 42¢/gal diesel discount (up to $2.00) at 4,200+ partner truck stops, measured in H2 2025, and acceptance anywhere Mastercard is taken. Its credit application uses no hard credit check. Expect a $35 setup fee and $3–$15 a month in card fees. It suits small fleets that want credit and fuel anywhere.
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.
What AtoB publishes
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.
| Item | AtoB's published figure |
|---|---|
| Truck diesel discount | Average 42¢/gal and up to $2.00/gal across AtoB customer transactions at partner truck stops, H2 2025 |
| Unleaded discount | Average 5¢/gal at partner gas stations, H2 2025 |
| Discount network | 4,200+ truck stops; 40,000+ fuel stations with savings of up to 25¢/gal |
| Acceptance | Any station that accepts Mastercard in the US (“99%+ of gas stations and truck stops”) |
| Discount porting | Can port existing discounts at partner merchants (e.g. TA Petro, Speedway, RaceTrac, Love's); not from Pilot Flying J at present |
| Fraud guarantee | Up to $250,000, based on eligibility and fleet size |
| Credit check | Credit application “does not require a hard credit check”; credit sized to fuel usage and revenue; monthly reporting to Experian |
| IFTA | Downloadable report of IFTA-eligible transactions, including gallons by vehicle by jurisdiction |
Verified 2026-11-10. Source: AtoB homepage & FAQ. AtoB's own pages are not consistent: the homepage also shows “up to $2.50 per gallon at select retail locations”, and the AtoB application page says “average discounts of 45¢”. We quote the footnoted 42¢ / $2.00 figures.
AtoB fee schedule
| Fee | Amount |
|---|---|
| Per Card Fee, Basic (AtoB Flex, credit) | $15 per month for 1–5 cards, then $3 per active card per month |
| Per Card Fee, Basic (AtoB Unlimited, prepaid) | $3 per active card per month |
| Per Card Fee, Premium (either) | $6 per active card per month |
| Account setup | $35 one time (subject to customized offers) |
| Credit Enablement setup (Flex) | $75 one time |
| Credit Enablement surcharge | Up to 30¢ per gallon for a fixed period |
| Late payment (Flex) | Greater of $99 or 9% of the overdue balance; another $99 or 6% if 30 days overdue |
| Instant Access fee (paying by debit card) | 1% of the payment |
| Instant driver payouts (Venmo, PayPal, push to debit) | 1% (from AtoB's FAQ) |
Verified 2026-11-10. Source: AtoB Fee Schedule & Terms (linked from atob.com), which shows “Last Updated: 2024/10/16” and says fees may change on notice. The per-card fee starts with the first transaction and repeats every 30 days on all cards set to active; you can cancel by phone at any time.
Flex vs Unlimited and the Credit Enablement Program
AtoB Flex is the credit product (statement, due date, late fee). AtoB Unlimited is prepaid: the $35 setup fee comes out of the AtoB Wallet before cards ship. Applicants who do not qualify for credit under AtoB's standard policy may be offered the Credit Enablement Program: $75 up front plus a per-gallon surcharge of up to 30¢ for a fixed period, removed after on-time payments; you can switch to prepaid at any time to stop the surcharge. AtoB cards are issued by Celtic Bank (Commercial Mastercard) or Community Federal Savings Bank and are subject to credit approval.
Who it is for, and who should look elsewhere
| Good fit if… | Look elsewhere if… |
|---|---|
| You fuel at many brands and want one card accepted wherever Mastercard is | You fuel mostly at Pilot Flying J: AtoB cannot port Pilot discounts today |
| You want weekly fuel credit without a hard credit pull | You only want a card with no monthly fee (TCS and Mudflap publish none) |
| You want IFTA gallons by jurisdiction exported | You would land in the Credit Enablement Program: up to 30¢/gal surcharge can wipe out the discount |
Check the math for your truck
Example arithmetic only: a one-truck Flex account pays $15 a month; at 1,000 in-network gallons that is 1.5¢ per gallon of fees before any discount. A Credit Enablement surcharge of 30¢ would exceed a 25¢ discount. Run your net fuel price through the cost per mile calculator, and file quarters with the IFTA calculator.
Related
- Fuel cards compared: WEX, AtoB, Mudflap, TCS, EFS, Comdata, Pilot
- WEX fuel card review
- Fuel cards for trucking companies
- IFTA fuel receipt requirements
Fuel card partner offers: coming soon (no partner today). Until then, use the tables above and the issuers' own sites.
FAQ
Does AtoB do a credit check?
AtoB says its credit application does not require a hard credit check. Cards are still subject to credit approval, and credit is sized to fuel usage and business revenue.
How much does the AtoB card cost per month?
Per AtoB's fee schedule: Flex is $15 a month for 1–5 cards then $3 per active card; Unlimited is $3 per active card; Premium is $6 per card. There is also a $35 one-time setup fee.
How much does AtoB save per gallon?
AtoB reports an average of 42¢ and up to $2.00 per gallon of truck diesel at partner truck stops across its customers' transactions in H2 2025. Individual savings vary.
Can I use AtoB at Pilot Flying J?
The card works anywhere Mastercard is accepted, but AtoB says it currently cannot port existing Pilot Flying J discounts.
Is this an official AtoB page?
No. It is an independent review by TruckerStack, which is not affiliated with AtoB and has no affiliate agreement with it.