Fuel Express and AtoB are both fleet fuel cards, but they fit different fleets. AtoB is a Mastercard-network card built around truck-stop diesel discounts for over-the-road fleets, with a published $35 setup fee and $3 to $15 per-card monthly plans. Fuel Express is accepted at 320,000+ fuel and maintenance locations with no startup, annual, or hidden fees, and provides Geotab and GPS Insight tracking directly.
AtoB is a fintech fleet fuel card issued on the Mastercard network and marketed on per-gallon fuel discounts. Because it runs on Mastercard, it is accepted almost anywhere fuel is sold, and it leans on the telematics you already run.
What is AtoB?
AtoB is a fintech fleet fuel card issued on the Mastercard network, so it is accepted everywhere Mastercard is — AtoB states 99% of US fuel stations, including 30,000+ retail locations and 4,200+ truck stops [Source: atob.com]. It publishes its pricing openly: a $35 account set-up fee and per-card monthly plans of $3 to $15 depending on tier [Source: atob.com]. AtoB advertises per-gallon discounts of up to 84 cents on truck diesel at select stops and around 5 cents on unleaded [Source: atob.com], and it backs cards with a $250,000 fraud guarantee.
How do Fuel Express and AtoB compare?
AtoB reaches almost any Mastercard fuel station and rewards over-the-road diesel with truck-stop discounts, but it charges a setup fee and per-card monthly fees and relies on your own telematics. Fuel Express covers 320,000+ fuel and maintenance locations with no card fees and provides GPS tracking with the card.
| Feature | Fuel Express | AtoB |
|---|---|---|
| Acceptance | 320,000+ fuel and maintenance locations nationwide | Everywhere Mastercard is accepted — 99% of US fuel stations; 30,000+ retail and 4,200+ truck stops [Source: atob.com] |
| Card and account fees | No startup, annual, or hidden fees | $35 account set-up fee; plans $3 to $15 per card per month [Source: atob.com] |
| Fuel discounts | Volume-based — quoted to your fleet in writing | Advertised up to 84c per gallon on truck diesel at select stops; ~5c per gallon on unleaded [Source: atob.com] |
| Spend controls | Per-driver and per-vehicle limits, purchase restrictions, pump security code | Limits by merchant, product, time; $250,000 fraud guarantee [Source: atob.com] |
| GPS and telematics | Geotab and GPS Insight provided and integrated with the card | Integrates your existing third-party telematics to validate purchases [Source: atob.com] |
| Best suited for | Fleets of any size wanting wide fuel and maintenance access with no card fees | Over-the-road and trucking fleets chasing truck-stop diesel discounts |
Sources: atob.com (AtoB acceptance, fees, discounts, controls, telematics). Only figures published on the provider's own website are cited; provider terms change often, so confirm current terms directly with each provider. See how we compare. Facts last verified: August 3, 2026.
How does Fuel Express compare?
Fuel Express is accepted at 320,000+ fuel and maintenance locations with no startup, annual, or hidden fees, so you are not weighing per-card monthly charges against per-gallon discounts. Where AtoB integrates telematics you supply, Fuel Express provides Geotab and GPS Insight and integrates them with the card, and the same account covers fuel and maintenance with per-driver and per-vehicle purchase controls. Our comparison methodology explains how these claims are sourced, and the comparison hub covers the other alternatives.
Choosing between Fuel Express and AtoB
Choose Fuel Express if
- You want no startup, annual, or hidden card fees.
- You buy both fuel and maintenance and want them on one 320,000+ location network.
- You want GPS tracking provided with the card rather than bringing your own.
- You run a mixed or local fleet of any size.
Choose AtoB if
- You run an over-the-road or trucking fleet that fuels mostly at truck stops.
- Truck-stop diesel discounts are your priority and you can work with AtoB’s fee structure.
- You already run your own telematics and just need fuel-purchase validation.
Frequently Asked Questions
On card fees, no: AtoB publishes a $35 setup fee and $3 to $15 per-card monthly plans, while Fuel Express charges no startup, annual, or hidden fees. AtoB's truck-stop diesel discounts may offset that for heavy over-the-road fleets — run your own numbers.
AtoB runs on the Mastercard network and states it is accepted at 99% of US fuel stations, including 30,000+ retail locations and 4,200+ truck stops. Fuel Express is accepted at 320,000+ fuel and maintenance locations.
AtoB does not provide its own GPS hardware; it integrates the telematics you already run to validate fuel purchases. Fuel Express provides Geotab and GPS Insight tracking and integrates it with the card.
Over-the-road and trucking fleets that fuel mainly at truck stops and want AtoB's diesel discounts, especially if they already run their own telematics. Mixed and local fleets that want no card fees and maintenance acceptance usually fit Fuel Express better.
Compare us to AtoB on your own numbers
320,000+ fuel and maintenance locations, no startup, annual, or hidden fees, and GPS tracking provided with the card. Complete the short application to get started.
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