Fuel cards, compared

$35 setup fee; requires EIN, driver's license and 3 months of business bank statements / proof of revenue; Flex requires 'proof of revenue' and 1-7 day approval; discount is 'average' and varies by station; Premium is an add-on fee

Credit check: no ("with AtoB, you do not need a credit score to apply"; "We'll never ask for a credit score or personal guarantee"; Unlimited prepaid: "require no credit check at all")

Prepaid option: yes - AtoB Unlimited prepaid ("No bank info needed, quick decision on approval")

Monthly fee: Flex: "$15 per month for 1-5 cards and $3 per month for each additional card"; Unlimited: "$3 per active card per month"; optional "$3 per month for AtoB Premium"

Per-gallon discount: "Average discounts of 42¢ and up to $2.00 off per gallon on truck diesel and 5¢/gal on unleaded with the AtoB Discount Network" (product page); pricing page says "Average discounts of 45¢ and up to $2.00 off per gallon"

New authority OK: yes, with a catch: "Any trucking business, no matter its size or credit, is eligible to apply" and "No minimum fleet size exists for AtoB fuel cards" - but application asks for "revenue from the last three months" (business bank statements), which a brand-new MC may not have

Pays us: Yes · Customer referral: referred customer ge…. Source: ['https://www.atob.com/fuel-card', 'https://www.atob.com/pricing', 'https://www.atob.com/fuel-card-application-requirements', 'https://www.atob.com/blog/owner-operator-fuel-card']

Business credit check required; secured option requires a deposit (amount not published); fees not published; discounts are negotiated per account by an account manager rather than a flat advertised rate

Credit check: yes - business credit ("A business credit check is required as part of the approval process")

Prepaid option: yes - secured credit line option ("Secured lines require a monetary deposit to establish the credit line"); "By providing both secured and unsecured credit options..."

Monthly fee: not published

Per-gallon discount: "Paying for diesel with a fuel card will save you from $0.02 - $0.06 per gallon compared to the credit price at fuel stations"; FAQ: "There are additional discounts, beyond the cash price available at nearly 4,000 of our accepting locations" (no single average published)

New authority OK: yes - "We support businesses with well-established or new motor carrier authorities"; "from a single-truck owner operator to fleets with hundreds of commercial vehicles"

Pays us: Yes · Not published. Source: ['https://www.multiservicefuelcard.com/', 'https://multiservicefuelcard.com/fleetfuelcard/multi-service-otr-fuel-card', 'https://www.multiservicefuelcard.com/faq/']

Network limited to Pilot/Flying J/One9; savings figure is 'up to' with footnote; late fee terms live in a PDF credit agreement (third-party reviews cite a 20% late fee, not verified from the PDF); credit program terms and conditions PDF governs

Credit check: soft/no hard pull ("No hard credit checks or upfront restrictions"; FAQ: "zero fees and no hard credit checks")

Prepaid option: not published

Monthly fee: $0 ("No card fees"; "There are no setup, transaction, or annual fees")

Per-gallon discount: "savings of up to $.65 per gallon of diesel" (footnoted); launch release: "One bonus loyalty point per gallon... at Pilot and Flying J", "Two bonus loyalty points per gallon... at One9"

New authority OK: yes (size): "Whether you're a single-vehicle owner-operator or managing a large diesel fuel fleet, the Axle Fuel Card® is a fleet card that works for businesses of all sizes." Credit-history requirement for brand-new MCs: not published

Pays us: Yes · Not published. Source: ['https://pilotcompany.com/credit-overview', 'https://pilotcompany.com/faqs', 'https://newsroom.pilotcompany.com/pilot-company-introduces-axle-fuel-card-with-more-rewards-for-fleets-of-all-sizes/']

Fuel Card requires credit approval and an EIN ("sole proprietors and businesses legally registered in the United States as LLCs or Corporations that have an Employer Identification Number"); weekly ACH terms; non-ACH payment fees; discounts are 'up to' and vary by stop

Credit check: App: no ("no application, credit check or gallon minimums"). Fuel Card: yes ("All cards are subject to credit approval"; application reviews "credit scores, and number of on-time payments")

Prepaid option: App works with your own credit/debit card (no card issued); no prepaid/secured version of the Fuel Card published

Monthly fee: Fuel Card: "No annual fees, no monthly fees, no per card fees, no subscription fees"; App: "no fees"

Per-gallon discount: "Save up to $1.00 per gallon" (Fuel Card, in-network); out-of-network "you'll still get a 2¢/gal discount"; App: "instant savings of up to 50¢/gal"; "Discounts vary by stop in the Mudflap network and market conditions"

New authority OK: App: yes ("Best for Owner-Operators", "no application, credit check or gallon minimums"). Fuel Card: "A 'fleet' can be a single company vehicle, thousands of trucks, and anything in between" but "All cards are subject to credit approval" - new-authority acceptance for the card not published

Pays us: Yes · $10 free fuel bonus for new users signi…. Source: ['https://www.mudflapinc.com/', 'https://www.mudflapinc.com/fuel-card', 'https://www.mudflapinc.com/promo/offers']

Must pre-load cash (cash-secured); out-of-network transaction fees vary; cards not delivered to PO boxes; RV discounts excluded; 59¢ is an in-network average

Credit check: no ("No credit check"; accounts are "cash-secured")

Prepaid option: yes - the card is a "cash-secured fuel card for truck drivers"; clients typically load "approximately 5-7 days of fuel purchases"; no minimum balance mandate

Monthly fee: $0 ("$0 activation, membership, monthly, or annual fees")

Per-gallon discount: "Save an Average of 59¢ per gallon" - "Average savings of 59 cents per gallon is based on actual in-network TCS client transaction for Q2 of 2026"

New authority OK: not published explicitly; site markets to owner-operators and has a dedicated owner-operator product; cash-secured/no-credit-check model does not depend on credit history

Pays us: Yes · Not published. Source: ['https://www.tcsfuel.com/', 'https://www.tcsfuel.com/faq/', 'https://www.tcsfuel.com/about/', 'https://www.tcsfuel.com/partners/']

No sole proprietors; late fee "5% of the invoice balance, with a minimum fee of $40"; spend limit set from business credit bureau report (thin for a new MC); cashback bundle requires active Fleet Management subscription; personal guarantee listed as a possible additional document

Credit check: business credit only ("Motive does not pull or report on your personal credit. We rely on your business credit bureau report to determine spend limit.")

Prepaid option: not published

Monthly fee: "Motive Card charges a monthly fee per active card" - amount not published on provider pages (third-party reviews cite $5/active card/month, unverified)

Per-gallon discount: "Tier 1 savings averaging $0.20+/gallon on diesel"; savings network page: "Save up to 21¢ per gallon"

New authority OK: no for sole proprietors: "At this time we are not accepting applications from sole proprietorships for the Motive Card." LLC/corp new authorities: not published; underwriting asks for "three consecutive months of business bank statements" or Plaid connection

Pays us: Yes · Earn a $150 flat fee or 10% commission …. Source: ['https://gomotive.com/products/motive-card/', 'https://gomotive.com/products/spend-management/', 'https://gomotive.com/products/features/savings-network/', 'https://gomotive.com/products/motive-card/commercial-underwriting/', 'https://ratings.freightwaves.com/reviews/motive-card-review/']

Higher 55¢ average requires the $59.95/mo Pro Plus membership; same-day funding fees unspecified; savings are 'estimates only'; card is sold as a hook for the legal-protection membership

Credit check: optional - "Only if you choose the Credit Line option. The Prepaid option has no credit check — load the card and save."

Prepaid option: yes - Prepaid option with no credit check; "Same day funding is available. Fees apply"

Monthly fee: Standalone card: "$0 Per Month"; Pro Plus bundle: "$59.95 Per Month" (includes CDL legal protection)

Per-gallon discount: Standalone: "50¢/gallon average diesel savings"; Pro Plus/VIP Pro: "55¢/gallon average diesel savings"; fine print: "Actual savings vary by lane, network, and funding option"

New authority OK: not published; prepaid no-credit-check option available to anyone; application "Takes about 60 seconds"

Pays us: Yes · $50 referral bonus per friend who signs…. Source: ['https://prodriver.com/fuel-card/', 'https://gettvcprodriver.com/']

$25 setup on Unlimited; prepaid must be funded; Visa card pays credit price at truck stops (per third-party reviews, not on provider site); no published per-gallon number

Credit check: Unlimited: no ("Get approved same day regardless of credit score"; "No personal credit check"). Prestige: "subject to credit approval"

Prepaid option: yes - RoadFlex Unlimited is "A Visa prepaid fuel card designed for small to medium fleets"

Monthly fee: "$3 per card per month" (both Unlimited and Prestige)

Per-gallon discount: not published as a specific number on the pricing/prefunded/trucking pages ("Competitive Discounts at all fuel stations and truck stops nationwide"; "Cut fuel spending by over 11% in your first year with RoadFlex"). Third-party reviews cite 2¢/gal everywhere and up to 25¢/gal at partner network, but this was not verifiable on roadflex.com

New authority OK: not published explicitly; Unlimited is marketed "regardless of credit score" with "No personal guarantee required" and 24-hour approval

Pays us: Yes · Tiered flat fee by referred fleet size:…. Source: ['https://www.roadflex.com/pricing', 'https://www.roadflex.com/prefunded', 'https://www.roadflex.com/industry/trucking', 'https://www.roadflex.com/']

No sole proprietors; $4/active user/month; credit-limit increases require account open 3+ months; discount is a small 3-9¢ retail rebate, not truck-stop cost-plus diesel pricing; "No. Coast does not require owners to personally guarantee your company's expenses."

Credit check: soft ("Coast may ask you to authorize a 'soft pull' of your consumer credit history... this credit check will not affect your consumer credit score")

Prepaid option: not published

Monthly fee: "$4 per month per user with one or more complete transactions within the month (active user)"

Per-gallon discount: "3¢-9¢ per gallon at 30,000+ stations nationwide, and rebates on every gallon at every other station" (FAQ); small-business page: "get up to 10¢ off per gallon on your statement at 30,000+ locations — with no tiers or limits"

New authority OK: not published for new authorities; entity restriction: "Your business must be organized as a corporation, LLC or partnership and we can't approve sole proprietorships at this time." No time-in-business requirement published

Pays us: Yes · Referral: When they open an account, yo…. Source: ['https://www.coastpay.com/pricing', 'https://coastpay.com/faqs/', 'https://coastpay.com/small-business/']

No published per-gallon number; 'standard customers' qualifier on the no-fee claim; multiple billing options 'to accommodate different credit profiles' but terms not published

Credit check: soft ("Our credit check is a soft inquiry that won't affect your credit score"; "No setup fees, hard credit checks, or contracts")

Prepaid option: not published

Monthly fee: $0 ("no monthly card fees")

Per-gallon discount: no numeric claim published; "Get cost-plus or retail-minus pricing to save money"; "Get cost-plus pricing at cardlocks or rebates at select gas station brands"

New authority OK: not published explicitly; owner-op page: "Fuel cards can provide savings on fuel... making them valuable even for a single truck operation"

Pays us: Yes · Not published. Source: ['https://www.pfleet.com/', 'https://www.pfleet.com/industries/owner-operator']

OOIDA membership required ($45/yr); $25 setup fee (per Land Line); $500 minimum deposit on prepaid; $1 out-of-network fee; credit version bills on 7-day cycle via automatic bank draft; discount numbers come from trade press, not the current OOIDA page

Credit check: not published

Prepaid option: yes - prepaid version with "$500 minimum deposit" (Land Line, July 16 2019)

Monthly fee: $0 ("no monthly card fees")

Per-gallon discount: OOIDA page: "cost plus pricing at many partners like TA/Petro, Sapp Bros, Quick Fuel, Speedway, Roady's" (no number). Land Line (Sept 2022): Pilot Flying J 10¢/gal, TA & Petro 14¢/gal, Sapp Bros. cost plus 8¢, Quick Fuel cost plus 7¢; "Cardholders save an estimated $850 within the first year"

New authority OK: not published; "designed exclusively for OOIDA members" - membership is open to owner-operators

Pays us: Yes · Not published. Source: ['https://www.ooida.com/discounts-rebates/', 'https://www.ooida.com/membership/', 'https://landline.media/new-truckers-advantage-fuel-card-offers-bigger-savings-than-before/', 'https://landline.media/ooida-offers-deal-for-national-truck-driver-appreciation-week/']

Fee schedule not published anywhere on rtsinc.com; Self-Funded requires loading funds; discounts concentrated at Pilot Flying J; RTS bundles fuel card with factoring (optional per site); "interest-free weekly or biweekly billing" on credit option

Credit check: not published as a policy; "Whether you have good credit or no credit, RTS has a fuel card for you"

Prepaid option: yes - "Self-Funded: Offers the same great discounts on fuel and maintenance regardless of credit score. Upload funds using debit or credit"

Monthly fee: not published

Per-gallon discount: "Save an average of 45 cents per gallon at over 4,000 fuel stations nationwide" (product page); "Save an average of 45 cents per gallon on diesel" (landing page); article: "sometimes saving you 10¢ to 50¢+ per gallon"

New authority OK: not published explicitly; Self-Funded option is marketed "regardless of credit score" and the site says "good credit or no credit"

Pays us: Yes · Not published. Source: ['https://www.rtsinc.com/product/fuel-discount-program', 'https://rtsinc.com/lp/fuel', 'https://www.rtsinc.com/articles/fuel-cards-owner-operators-maximizing-benefits-smaller-scale']