Best Fleet Fuel Cards for Diesel in 2026: Comdata, EFS, WEX, Pilot Pro Compared

Updated October 26, 2026. Comdata figures are its advertised rates (comdata.com) for fleets of 20 or fewer trucks; WEX, EFS and FleetOne discounts are negotiated by contract and volume, not published flat rates. Verify current rates directly with each issuer before applying.

Top fleet fuel cards save $0.10-$0.40/gal at major chains.

The right card depends on what you drive and where you fuel. At 5,000 gal/month, saving 15 cents/gal = $750/month = $9,000/year.

Card	Best For	at Pilot	at Love's	at TA Petro	Fee
Comdata Fleet CardBest OTR	OTR trucker, multi-chain freight	Up to 8-20c/gal	Up to 8c/gal	Up to 25-50c/gal	$0 to $129 a month by product; $0 truck-stop fee
EFS Fleet Card (WEX)	Owner-operator, savings cap needed	Negotiated	Negotiated	Negotiated	No annual fee
WEX Fleet Card	Mixed fleet, tight management	Negotiated	Negotiated	Negotiated	No annual fee (large fleet programs available)
Pilot driver rewards (myRewards Plus)	Pilot-loyal driver	Points, not cents off	Not accepted	Not accepted	Set by Pilot
Love's Express Card	Love's-loyal driver	No published discount	At least 20c/gal*	No published discount	No application or transaction fees
Fleet One EDGE (WEX)	Small fleet, owner-op	Negotiated	Negotiated	Negotiated	No annual fee

Comdata Fleet Card

TOP PICK OTR

The best card for OTR truckers who run across multiple chains, particularly those with TA Petro on their route. Comdata publishes four small-fleet products (fleets of 20 or fewer trucks): Simple Saver and Smart fleet (up to 25c at TA/Petro, 8c at Pilot and Love's), Total Advantage (40c, 10c, 8c; $129 per account a month) and Comdata Max, which requires Comdata factoring (50c, 20c, 8c; no monthly fee). TA/Petro carries its largest rate on every product. Comdata is owned by Corpay (the payments company formerly named FleetCor, rebranded March 2024) and accepted at all major chains and thousands of independent locations nationwide.

Fee: $0 to $129 a month by product; $0 truck-stop feeSecurity: PIN required, real-time alerts, purchase restrictions

EFS Fleet Card (WEX)

EFS (Electronic Funds Source, acquired by WEX in 2016) is popular with owner-operators who want flexible spend controls. Strong acceptance network, competitive discounts, and the ability to set per-transaction limits make it a solid choice for fleets that need tight cost management. Discounts are slightly lower than Comdata at TA Petro but competitive at Pilot and Love's.

Fee: No annual feeSecurity: Per-transaction limits, GPS-match option, Level 3 data

WEX Fleet Card

WEX is a large fleet card platform with excellent spend management tools. For fleets with diverse vehicle types (not just Class 8 trucks) and tighter expense reporting needs, WEX's granular controls and telematics integrations provide value beyond pure per-gallon discount. WEX also powers many private-label fuel cards for fleet-management companies.

Fee: No annual fee (large fleet programs available)Security: Granular spend controls, driver PIN, telematics integration

Pilot driver rewards (myRewards Plus)

Pilot's professional-driver rewards pay points on fuel that are redeemed for showers, parking, food and supplies. Pilot does not publish the programme as a cents-per-gallon discount, so we do not convert it into one. It sits alongside a fleet card rather than replacing it.

Fee: Set by PilotSecurity: Not a payment card for fleets

Love's Express Card

Love's own fuel credit card, run by Love's Financial. It advertises at least 20 cents a gallon off for new qualified customers (up to 50 cents for those who also factor freight with Love's), no application or transaction fees and no account maintenance cost, with pricing tailored to truck count and volume. Its published discount is at Love's, so a fleet that fuels across chains pairs it with a national card.

Fee: No application or transaction feesSecurity: Purchase policies, product limits, RFID tags

Fleet One EDGE (WEX)

Fleet One EDGE is a competitive option for small fleets and owner-operators who want a straightforward national fleet card with no annual fee. Acceptance is broad but discounts are slightly lower than Comdata or WEX at major chains. A reasonable entry-level fleet card for fleets fueling under 2,000 gallons/month.

Fee: No annual feeSecurity: Standard controls, nationwide acceptance

Calculate Your Potential Fleet Card Savings

Use the Fleet Fuel Calculator to see how much a fleet card saves with your specific fleet size, route, and monthly fuel volume.

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FAQ: Fleet Fuel Cards

Which fleet fuel card saves the most money? +

For OTR truckers running TA Petro, Comdata wins outright with 40 cents/gal off at TA Petro. At 100 gallons per fill, that's $40 saved. For fleets running Pilot or Love's primarily, WEX, EFS and Fleet One negotiate discounts by contract and volume rather than publishing a flat per-gallon rate. Love's Express is a credit fuel card that advertises at least 20 cents/gal at Love's for new qualified customers; Pilot's driver rewards pay points, not a published discount. The best card for your fleet depends on which chains are on your route.

Do fleet cards have annual fees? +

It depends on the product. Comdata publishes its small-fleet fees: Simple Saver has no monthly account or truck-stop fees, Smart fleet is $8 per card a month plus $50 set-up, Total Advantage is $129 per account a month plus $50 set-up, and Comdata Max has no monthly or set-up fee but requires Comdata factoring. Love's Express lists no application or transaction fees. WEX, EFS and Fleet One set fees by contract, so check the agreement.

Are fleet fuel cards worth it for owner-operators? +

Yes, for most owner-operators. An owner-op fueling 3,000 gallons/month saves $300/month at 10 cents/gal or $1,200/month at 40 cents/gal with Comdata at TA Petro. The annual savings ($3,600 at 10c, $14,400 at 40c) far exceed any transaction fees. The application process takes a few days and requires basic business info. Most owner-ops recover the card setup effort in the first fueling stop.

Can I use multiple fleet cards? +

Yes. Many OTR truckers carry two cards: a national fleet card (Comdata or WEX) for major chain discounts, and a chain programme such as Love's Express or Pilot's driver rewards. Whether a chain's points or discount stack with a national card's discount on the same fill is set by each programme's terms. Always check each program's terms - some chain cards may not stack with national fleet card discounts.

Comdata discounts are its advertised rates on comdata.com (checked 27 October 2026), which apply to fleets of 20 or fewer trucks; larger fleets negotiate custom pricing. WEX, EFS and Fleet One (all WEX brands) negotiate discounts by contract and volume rather than publishing a flat per-gallon rate, so no cents-off figure is shown for them - they are marked "Negotiated". *Love's Financial advertises "at least 20 cents off per gallon" on the Love's Express Billing Program for new qualified customers (lovesfinancial.com, checked 27 October 2026). Rates change; verify with each issuer before applying. DieselCostPerGallon.com carries no fleet-card referral links today, and card rankings reflect only each issuer's discount structure and network. Any referral links added later are labelled and never change how cards rank.

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