Universal Fuel Card for All Fleet Sizes | AtoB
Go the distance with our Universal fuel card
The AtoB universal fuel card is a fleet payment card built for modern fleet operations. Make vehicle-related purchases anywhere Mastercard is accepted, earn up to 42¢ off per gallon at partner truck stops, and manage every fuel expense from one platform — backed by AtoB's $250,000 Fraud Prevention Guarantee.*
What is a universal fuel card?
A universal fuel card is a business gas payment card accepted nationwide — not limited to a single branded network like a gas card from Shell, BP, Circle K, or Wawa. With one universal card, your drivers can fuel up wherever they are, and your back office gets a single source of truth for every fuel expense.
The AtoB universal fuel card runs on Mastercard, so you can make vehicle-related purchases anywhere Mastercard is accepted. As a business fuel card built for fleets, it works across 30,000+ fuel stations and 4,200+ truck stops nationwide.
What is a universal fuel card?
Every transaction puts money back into your fleet. AtoB customers earn:
| Discount Type | Savings* | Where It Applies |
|---|---|---|
| Truck stop diesel | Avg 42¢ off per gallon; up to $2.00 off per gallon at select locations | 4,200+ partner truck stops |
| Retail unleaded | Avg 5¢ off per gallon; up to 20¢ off per gallon | 30,000+ partner fuel stations nationwide |
| In-app discounts | Real-time pricing visibility | AtoB Driver App |
Fleet card management: online and mobile tools
AtoB’s universal gas credit cards give administrators and drivers a unified fuel card management system to run operations end to end.
For fleet managers (online platform):
- Centralized fleet management dashboard
- Custom fuel limits by driver, team, or vehicle
- Powerful spend controls: authorized times, merchant and location whitelist or blacklist, product category restrictions, and lowest-cost fuel routing within a geofence
- Real-time purchase activity feed
- Telematics integrations
For professional drivers (mobile app):
- Find partner stations with live fuel prices and per-gallon savings
- View transaction history and account balances
- Submit receipts for approved vehicle and on-the-road expenses
- Receive payroll instantly to the AtoB flex card
Fuel accounting and expense reporting
The AtoB platform replaces spreadsheets with automatic fuel expense tracking:
- Track spending by driver, vehicle, or employee
- Real-time visibility into purchase activity across the billing cycle
- Categorize transactions by fuel, maintenance, tolls, lodging, and more
- Export-ready reports for accounting and IFTA filing
- AI-powered spend insights surface driver coaching opportunities, predictive maintenance signals, and trip profit improvement recommendations
How to get a universal fuel card
Three steps from application to first fill-up with our universal fleet fuel cards:
- Apply with your EIN, SSN, driver's license, and three months of business revenue.
- Activate your fleet card account once it is issued.
- Fuel up at any participating fuel station or truck stop and earn rebates on every gallon purchased.
Applicants must be registered as an LLC, C-corp, or nonprofit. Once your online application is submitted, the AtoB team will review your information and follow up if any additional documentation is needed. Once your fleet card account is issued, you can begin earning rebates with your first transaction.
Apply with just your EIN, driver's license, and proof of three months’ business revenue
Enjoy industry-leading benefits and zero hidden fees
Prevent misuse with SMS Unlock, pin authorization, and Telematics integration
Case Studies
AtoB in action
The AtoB card is as easy as using my business debit card. It’s accepted everywhere and works every time.
Backwater Logistics LLC
Their support team is so quick with resolution, and their web portal is so easy to access for retrieving transactions and analyzing weekly or monthly discounts.
Rhythm Trucking
This fleet fuel card has turned out to be a great asset. I requested a $2500 limit and it was given to me in 10 minutes!
Y B Logistics LLC
The AtoB fuel card gives me that cushion so I don’t panic while waiting on invoices to be paid. Great product and a customer for life. Thanks again.
Lucky's Pilot Car Service LLC
This is the best fuel card on the market. The flexibility it gives you along with the extra layer of assurance that you can use it in the event of an emergency such as a lock-out or blown tire is unmatched.
Expedited Services LLC
We can fill at any gas station or truck stop in the nation and since there are no transaction or out of network fees, it doesn’t cost us anything extra.
Taylor Transfer LLC
FAQs
How do I manage my universal fleet fuel card?
You can manage your fuel card through the AtoB web dashboard (for admins) and the Driver App (for drivers). Set limits, monitor purchase activity, run summary reports, and integrate with your fleet management software, all from one place.
Yes — our universal gas card for businesses is a type of credit card used specifically for fuel and vehicle-related expenses, including repairs, maintenance, tires, and tolls. The AtoB universal gas credit card combines the spending control of a debit card with the rewards and credit-building of a business credit card.
Does AtoB report to credit bureaus?
Yes — we report to Experian, helping your business establish and grow credit history.
_* Average discount of 42¢ refers to realized average savings per gallon of truck diesel across AtoB customer transactions at merchant partner truck stops during H2 2025. The up to discount of $2.00 refers to max realized savings per gallon of truck diesel across AtoB customer transactions at merchant partner truck stops during H2 2025. Average discount of 5¢ off per gallon of unleaded is an average across AtoB customer transactions at merchant partner gas stations during H2 2025.
** $250,000 Fraud Prevention Guarantee subject to program terms and conditions.*