AtoB offers two fuel card solutions tailored to different business needs: the credit-based AtoB Flex and the prepaid AtoB Unlimited.
Both cards cost around $3 per card, per month and give access to a network of 30,000+ stations, with fuel discounts ranging from $0.03 to $0.12 per gallon at partner locations. Additionally, rebates at over 2,000 partner truck stops can reach up to $1.85 per gallon for truck diesel, averaging about $0.46 per gallon according to AtoB.
In this review, we’ll explore:
- Fees associated with each card
- Regional discount variations
- Extra benefits and features
This guide will help you decide whether AtoB Flex or AtoB Unlimited is the right fit for your fleet’s fuel management needs.
Quick Answer
AtoB Fuel Cards offer flexible fuel savings for trucking fleets. You can choose between credit-based Flex or prepaid Unlimited options. Both provide access to over 30,000 fuel stations nationwide. Discounts average around $0.45 per gallon on diesel. Some truck stops offer savings up to $1.85 per gallon. Monthly fees are low, starting around $3 per card. AtoB Flex requires a credit check, while Unlimited does not. The cards include strong security controls and spending limits. Additional perks include non-fuel discounts and real-time tracking. Overall, AtoB is a cost-effective solution for managing fuel expenses.
AtoB Fuel Cards Review: Quick Overview
AtoB Flex
Card Type: Credit fuel card
Network: Accepted anywhere Mastercard is accepted
Discounts: Average $0.45 off per gallon, up to $1.85 on truck diesel; $0.03–$0.12 per gallon on regular gas via the AtoB Discount Network
Fees: $35 account setup; $15/month for 1–5 cards, $3/month for each additional card after five; optional AtoB Premium add-on at $3/month
Security Controls: Advanced fraud prevention, secure card unlocking, telematics integration, customizable spending limits, and merchant whitelisting
AtoB Unlimited
Card Type: Prepaid fuel card
Network: Accepted anywhere Mastercard is accepted
Discounts: Same as AtoB Flex — average $0.45 per gallon, up to $1.85 on truck diesel; $0.03–$0.12 per gallon on regular gas
Fees: $35 account setup; $3/month per active card; optional AtoB Premium add-on at $3/month
Additional Benefits: Build small business credit and enjoy unlimited fuel spending
Both AtoB cards provide strong discounts, flexible payment options, and security features, making them suitable for fleets of all sizes.
What AtoB Fuel Cards Offer
Whether you choose AtoB Flex, a credit fuel card with advanced fraud protection and customizable spending limits, or AtoB Unlimited, a prepaid card that helps build small business credit and removes spending limits, both provide tools designed for efficiency, control, and savings.
Here’s a quick look at what each card brings to the table, starting with AtoB Flex:
AtoB Flex
Pricing: $15/month for the first 5 cards
Pros:
- Access to 30,000+ in-network fuel stations
- Average discounts of $0.45/gallon, with up to $2/gallon savings on truck diesel
- Set daily or weekly spending limits, define operational hours, and whitelist merchants for authorized purchases only
- Real-time reporting and telematics integration
- 24/7 customer support
Cons:
- Base fee of $15/month for the first 1–5 cards can be higher than AtoB Unlimited if you use fewer cards
- As a credit fuel card, approval requires credit checks, which may limit access for businesses with lower scores
- Telematics integration may incur additional costs
- Small discount on unleaded fuel ($0.05/gallon)
| Fee Type | Cost |
| Per Card | $15/month for the first 5 cards (≈ $3/card/month); $3/month for each additional card |
| Setup | $35 one-time fee |
| AtoB Premium (Optional Add-On) | $3/account/month |
AtoB Unlimited
Pricing: $3 per active card, per month
Pros:
- Prefunded design makes it accessible regardless of credit score and helps build credit history with monthly reports to Experian
- Access to 30,000+ in-network fuel stations
- Average discounts of $0.46/gallon on diesel, up to $1.85/gallon on truck diesel
- Real-time reporting and telematics integration
- 24/7 customer support
- AtoB Unlimited is ideal for fleets looking for flexibility, credit-building opportunities, and strong fuel discounts.
Cons:
- Telematics integration may incur additional costs
- Small discount on unleaded fuel ($0.05/gallon)
| Fee Type | Cost |
| Per Card | $3 per active card/month |
| Setup | $35 one-time fee |
| AtoB Premium (Optional Add-On) | $3 per account/month |
AtoB Fuel Cards Review: Pricing and Fees
Both AtoB fuel cards offer competitive pricing suited to their specific models, though each has a distinct fee structure.
AtoB Flex Pricing:
Account Set-Up Fee: $35 one-time fee when you open your AtoB Flex account.
Monthly Card Fees: $15 per month covers the first 1–5 cards. For fleets needing more than five cards, each additional card costs $3 per month.
Optional AtoB Premium Add-On: For extra security and management features, you can add AtoB Premium for $3 per month at the account level.
This pricing structure allows fleets to scale usage and choose optional features based on their needs.
AtoB Unlimited Pricing:
Account Set-Up Fee: $35 one-time fee when you create your AtoB Unlimited account.
Monthly Card Fee: $3 per active card per month. As a prefunded card, AtoB Unlimited offers a lower per-card fee compared to AtoB Flex.
Optional AtoB Premium Add-On: You can choose Premium features for an additional $3 per month at the account level, similar to the Flex option.
This structure keeps costs low while providing optional features for enhanced management and security.
Does AtoB Have Any Hidden Fees?
While AtoB’s basic per-card and setup fees are straightforward, there are some additional charges to be aware of — primarily for the AtoB Flex card:
Late Payment Penalty (AtoB Flex only): If your statement isn’t paid in full by the due date, a penalty of up to 9% (or $99, whichever is higher) applies. If overdue more than 30 days, an extra 6% (or $99, whichever is higher) may be added.
Credit Enablement Fees (AtoB Flex only): Customers using the Credit Enablement Program pay a one-time $75 setup fee. High-risk accounts may also incur a surcharge of up to $0.30 per gallon for a set period.
Instant Access Fee (AtoB Flex only): A 1% fee is charged when funds are accessed immediately via debit card.
These fees are listed in AtoB’s official schedule, but it’s important to consider them when calculating the total cost of using the Flex card.
Are AtoB Fuel Cards Good Value for Money?
For fleets — particularly smaller or independent operators — AtoB Fuel Cards offer strong value. They combine substantial fuel savings, advanced management tools, and a flexible cost structure that can be tailored to your business needs.
While certain extra fees may apply, the potential savings and operational efficiencies typically outweigh these costs, making AtoB a competitive choice in the fleet fuel card market.
The exact savings can vary depending on your location, which we’ll break down in the next section.
AtoB Fuel Cards Review: Rebates and Discounts
AtoB Fuel Cards use the AtoB Discount Network to provide fleets with substantial fuel savings across the U.S. The company publishes the exact rebates on its website, and depending on your region, you can receive variable per-gallon discounts at participating stations.
This makes it easy for fleet owners to estimate potential savings and plan fuel costs more effectively.
Fuel Rebates with AtoB
Here’s a summary of the per-gallon rebate rates available through the AtoB Discount Network by region, including the average, lowest, and highest rebates:
| Region | Average Rebate (¢/gallon) | Lowest Rebate (¢/gallon) | Highest Rebate (¢/gallon) |
| West Coast | ~6.7 | 5 | 10 |
| Rocky Mountains | ~6.9 | 5 | 10 |
| Midwest | ~7.1 | 4 | 12 |
| East Coast | ~4.5 | 3 | 10 |
| Gulf Coast | ~5.9 | 3 | 10 |
Note:The values listed in the average rebate column are just averages. Some branded stations advertise “up to” amounts, and actual rebates at each station can fall anywhere between the lowest and highest figures for the region.
As a result, real savings may vary depending on the specific station you use and local market conditions.
How to Find AtoB Stations Near You
AtoB offers access to over 30,000 fuel stations nationwide, and you can easily locate participating stations using the AtoB mobile app with its FuelMap feature. While a web-based tool would be a nice addition, the app works well for drivers on the go.
Here’s how to get started:
Download and Log In: Get the AtoB App from the App Store or Google Play, then log in with your AtoB account credentials.
Access FuelMap: Open the app and select the FuelMap feature. It uses GPS to detect your location automatically or lets you enter a specific location manually.
Browse and Filter: The FuelMap shows nearby stations that accept AtoB Fuel Cards, including available discounts. You can filter results by fuel type or discount level, helping you find stations with the highest savings, a feature not all fuel card apps provide.
Truck Stop Rebate Rates with AtoB
One of the biggest advantages of AtoB Fuel Cards is the high rebates at truck stops. Selected locations offer up to $1.85 per gallon on truck diesel, while the nationwide average rebate at truck stops is around $0.46 per gallon — significantly higher than standard fuel card rebates at AtoB and many competitors.
Unlike regular fuel stations, AtoB does not provide exact rebate amounts for each partner truck stop. However, it does list all partner truck stop locations by region across the U.S., allowing fleet owners to find participating stations.
Other Discounts with AtoB
In addition to fuel savings, AtoB Fuel Cards offer extra perks through its partner network, providing value beyond the pump:
Non-Fuel Discounts:
- 5% cash-back on certain non-fuel purchases
- 10%–35% off on various products and services
Truck Comfort and Maintenance Savings:
- 30% off select truck comfort products to enhance driver satisfaction
- $250 off your AtoB Fuel Statement when using TruckSuite for vehicle warranty
- $30 off your first rental vehicle booking through AtoB partnerships
These additional discounts help fleets save on operational and maintenance costs while improving driver experience.
Additional Partner Benefits with AtoB
Toll Management: Enjoy one month of free toll management services, helping streamline route planning and reduce incidental expenses.
Partner Network Discounts: AtoB’s extensive partner network offers savings on tires, vehicle accessories, maintenance services, and more.
By combining fuel rebates with these non-fuel discounts, fleets can maximize savings and improve cost efficiency across multiple areas of operations.
AtoB Fuel Cards Review: Controls and Security
AtoB Fuel Cards include a strong set of security and control features to protect your fleet’s fuel spending while giving detailed oversight of each transaction. These features apply to both AtoB Flex and AtoB Unlimited, with additional enhancements available through the optional AtoB Premium add-on.
Advanced Security Features:
One-Click Card Deactivation: Instantly disable a card via the AtoB platform or mobile app if it is lost, stolen, or shows suspicious activity.
Secure Card Unlock: With the Premium add-on, cards stay locked until a driver verifies their identity via SMS or the AtoB Driver app.
Fuel Level Reporting: Monitors fuel levels to ensure purchases do not exceed a vehicle’s tank capacity and flags potential misuse.
Alerts and Blocking: Receive notifications for fuel card activity via app, SMS, or email. Transactions can be automatically blocked if the driver is away from the vehicle, the vehicle isn’t near a pump, or the tank level exceeds a set threshold (default 95%).
These controls help fleet managers reduce fraud, prevent overspending, and maintain full visibility over fuel usage.
How to Apply for an AtoB Fuel Card
Applying for an AtoB Fuel Card—whether you choose the AtoB Flex or AtoB Unlimited—is a quick and straightforward process. You can complete your application in just a few minutes by following these steps:
Visit the AtoB website or mobile app: Choose the fuel card product that best suits your needs — either AtoB Flex or AtoB Unlimited.
Complete the online application form: Provide your business details, including:
- First and last name
- Business cell number
- Business email address
- Number of vehicles in your fleet
- Weekly fuel and maintenance spend
- Fleet type
Agree to terms: Carefully review and accept the AtoB Platform Agreement and Privacy Policy before submission.
Submit your application: The online process takes roughly five minutes to complete.
Follow up with your account manager: After submission, an AtoB representative will reach out to guide you through the final setup and request any additional documentation if needed.
✅ Tip: Having your fleet details and financial information ready beforehand can make the application process even faster.
Requirements for Getting an AtoB Fuel Card
To qualify for an AtoB Fuel Card, applicants must provide essential business and fleet details during the application process, including:
- First and last name
- Business cell number
- Business email address
- Number of vehicles in operation
- Weekly fuel and maintenance spend
- Fleet type
However, approval depends on the type of card you apply for:
AtoB Flex (Credit Fuel Card):
- Requires a credit check during the approval process.
- If your business does not meet the standard credit requirements, you may be eligible through the Credit Enablement Program, which helps lower-credit applicants qualify.
AtoB Unlimited (Prefunded Fuel Card):
- No credit check required, making it accessible for businesses of all credit levels.
In some cases, proof of business revenue may also be requested.
✅ Important: By submitting your application, you agree to the AtoB Platform Agreement and Privacy Policy—so it’s recommended to review both documents thoroughly before signing up.
How AtoB Compares to Other Fuel Card Providers
When comparing AtoB Fuel Cards to competing fleet fuel card programs, several major factors help define how it stacks up in the market. These include:
Acceptance: AtoB cards are accepted anywhere Mastercard is recognized, giving them broad usability across 30,000+ in-network stations and countless other locations.
Rebates and Discounts: With potential savings up to $1.85 per gallon at select truck stops and average discounts of $0.45 per gallon, AtoB delivers highly competitive rebates compared to many rivals.
Pricing and Fees: AtoB maintains transparent pricing with flexible options — a credit-based Flex card for larger fleets and a prefunded Unlimited card for smaller operators or those with lower credit scores.
We’ll explore a detailed comparison shortly, but at a high level, AtoB ranks among the top options for fleets seeking nationwide coverage, strong discounts, and advanced spending controls.
| Provider | Card Fees | Savings & Discounts | Network | Key Features |
| AtoB Unlimited | $3/card/month$35 one-time setup fee | $0.03–$0.12/gal off gas (partner stations)Avg $0.46/gal discount at truck stops (up to $1.85/gal) | Accepted anywhere Mastercard is accepted30,000+ stations, including 2,000+ truck stops | 5%–35% discounts on non-fuel purchasesCustom alerts and spending controlsFuel station locator app with route mapping |
| Coast Card | $4/active card/monthNo setup fees | $0.04–$0.10/gal off gas (partner stations)$0.01/gal at other stations | Accepted anywhere Visa is accepted34,000+ stations in discount network | 1% cashback on non-fuel purchases2%–40% off maintenance and suppliesReal-time alerts and spending limits |
| WEX Fleet Card | $4/card/month$40 setup fee | Up to $0.15/gal at WEX EDGE stationsUp to $0.03/gal elsewhere | Accepted at 95% of US gas stations (≈185,000)4,500+ EDGE stations | 24/7 US-based supportDiscounts on accessories and hotelsUsable for maintenance and cleaning |
| Edenred Essentials | $3/card/month$50 late payment feeOther fees apply | $0.01–$0.04/gal rebate (based on usage) | Accepted anywhere Visa is accepted | Costco membership perksEV charging supportApp available in English and Spanish |
| ExxonMobil BusinessPro Universal Card | $2/card/month$40 setup feeOther fees apply | Up to $0.06/gal off (based on usage) | Accepted at 95% of US gas stations | Earn ExxonMobil Rewards+ PointsStation locator & contactless pay-at-pump24/7 customer service |
| Comdata Fleet Card | $8/card/month$50 one-time setup fee | $0.07–$0.25/gal off (varies by station) | 15,000+ locations nationwide | Discounts on tires & hotelsRFID tags for touch-free fuelingApp highlights top savings stations |
Acceptance and Network Coverage
AtoB Fuel Cards operate on the Mastercard network, meaning they are accepted virtually anywhere Mastercard is processed. This provides nationwide flexibility and ensures drivers can fuel up without worrying about network restrictions.
In comparison, competitors like WEX also offer broad coverage, with acceptance at up to 95% of US gas stations. However, AtoB’s universal Mastercard acceptance gives it a slight edge for fleets that run across multiple states or regions with varied fuel station availability.
On the other hand, more specialized cards such as Comdata or Shell Fleet Cards tend to have smaller, brand-focused networks, which can limit fueling options outside their partner locations.
Overall, AtoB’s Mastercard-backed design makes it one of the most universally accepted fuel cards in the industry.
Discount Networks and Rebate Rates
AtoB’s Discount Network offers a strong advantage for fleets looking to save on fuel costs. With over 30,000 participating stations nationwide, AtoB provides rebates that typically range from $0.03 to $0.12 per gallon, depending on the station brand and location. These savings can add up quickly for high-mileage operators.
When compared to other major fleet card providers, AtoB’s rebate structure stands out:
- WEX fuel cards generally offer smaller rebates, averaging $0.01–$0.03 per gallon, depending on fuel volume.
- Comdata can reach rebates of up to $0.25 per gallon, though these higher rates are usually reserved for large-volume fleets or specific merchants.
- Shell and ExxonMobil fleet cards typically average around $0.06 per gallon, putting them on par with AtoB’s middle-range discounts.
- It’s worth noting that rebate potential varies by region. For instance, AtoB’s East Coast coverage averages about $0.045 per gallon, which is slightly weaker compared to Shell’s $0.06 per gallon for fleets purchasing over 10,000 gallons monthly.
Overall, AtoB’s rebate network is highly competitive—especially for small and mid-sized fleets—though the value depends on your routes and local station partnerships. Checking nearby station discounts before committing is the best way to gauge your true savings potential.
Pricing, Fees, and Value
AtoB provides two main fuel card options — the AtoB Flex (credit-based) and the AtoB Unlimited (prefunded) — both priced competitively in the fleet card market. When managed efficiently, both cards come out to around $3 per card, per month, aligning with standard industry pricing.
This rate matches the Edenred Essentials Card and is only slightly higher than alternatives like the WEX Fleet Card or ExxonMobil BusinessPro Universal Card, which average $2 per card, per month. Compared to premium cards such as the Coast Card ($4/card/month) or Comdata Fleet Card ($8/card/month), AtoB offers excellent affordability without compromising on features or network reach.
For small trucking companies or independent operators, AtoB strikes a solid balance between cost efficiency and functionality. However, for ultra-budget fleets with limited fuel needs, options like the Shell Business Card may be more cost-effective — though they’re limited to Shell-branded stations only, reducing flexibility on the road.
In summary, AtoB’s pricing is fair, transparent, and well-aligned with its broad acceptance and rebate potential, making it one of the better value-for-money choices in the fuel card market.
