In the midst of COVID-19 and the financial uncertainty it has brought, keeping a close eye on fuel costs is especially crucial. The right fuel card will help you cut your costs and top up your takings
Used by thousands of businesses across the UK, fuel cards can help you to track and limit spend, benefit from rebates and discounts, and ultimately slash your fuel costs (and, of course, reduce the amount of unhygienic cash your drivers have to handle). More than an easier and cheaper way of paying for petrol, fuel cards can also streamline your workload, automating the admin with HMRC-compliant invoices and e-billing.
But how do you choose the right fuel card? Our carefully collated list of the best fuel credit cards in the UK is the right place to start, so scroll on to learn more about our top picks.
Or, if you want to start comparing prices right now, we've put together a handy set of questions to quickly decipher what you need – simply answer them, and we'll match you up with the right fuel card suppliers for you, for free. They'll then get in touch to provide tailored, no-obligation quotes. It's the quickest, easiest way to find the right fuel card – and means you don't have to keep getting bogged down in complicated research.
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The top 5 fuel cards for your small business in the UK
With so many different fuel card brands offering cheap deals and large networks, it’s hard to know where to start. That's why we researched and analysed a variety of UK fuel credit card programs, comparing them on everything from fees, to administrative capabilities, to cost management functionality. Of these cards, we then chose the five that are best for small businesses.
Best fuel card for nationwide coverage
The Allstar One fuel card is ideal for mixed fleets, giving you access to the full Allstar network. That's over 7,700 stations – or, in other words, 90% of stations in the UK (including all major oil brands and supermarket sites). Another major benefit of this card is that drivers who use it can get a diesel discount at 1,500 sites, with savings of up to 10p per litre, making it one of the best diesel fuel cards to choose from. For extra convenience, Allstar One can be used to pay at some toll booths, and comes with pay-as-you-go AA Roadside Repair and AA Fuel Assist.
Allstar aims to be an all-in-one provider, with additional fleet management solutions such as the Business Mileage Monitor app and the award-winning ServicePoint, an online portal through which you can book, approve, and settle maintenance services. You can rest assured that you'll always be charged a fair (even competitive) price for these services, with Allstar having pre-negotiated prices for its users at hundreds of UK garages.
Allstar One pricing
You can expect to pay an annual card fee of £18, applicable to each card in your fleet.
- Accepted at over 90% of UK fuel sites
- Up to 10p discount on diesel at 1,500 stations
- 24/7 account management
- Lacks some of the features of Allstar’s other fuel cards
- Charges a transaction fee of up to £2.75
Best fuel card for larger fleets
The BP Supercharge fuel card can be used at over 7,600 filling stations (including, of course, over 1,200 BP stations, plus all major fuel brands, motorways, and supermarkets). That’s almost 90% of all forecourts in the UK.
The fact that BP Supercharge doesn't come with transaction fees may be the biggest boon to fleet managers, alongside the fact that its fees tend to drop as your fleet size grows. BP says this card is suitable for fleets of all sizes, but it's those with close to 200 vehicles or more that'll gain the most value from this fee structure.
As well as this, BP’s intelligent online tool enables you to set limits on how your drivers can use their cards, while direct-to-email e-billing takes care of the books. Plus, BPme Rewards points, earned for every BP transaction, will see frequent card users given rewards. This makes it the best fuel card for fleets.
BP Supercharge pricing
This fuel credit card option offers pump prices and no transaction fees. However, an annual card fee of £24 per year applies for each card. As a fuel card deal, you'll get a discount on this fee to £18 if you have more than 100 vehicles in your fleet, and £12 for 200 or more. So it’s a great option if your business is large or growing quickly.
- Maximum UK site coverage
- Earn Nectar points with every BP transaction
- Higher annual costs for businesses with smaller fleets
UK Fuels Fleetone
Best fuel card for fleet management add-ons
A card that can be used to buy petrol at over 2,900 filling stations – namely Texaco, Jet, Tesco, Morrisons, and of course UK Fuels – Fleetone is one of the industry’s leading fuel cards. This is the only fuel card deal to offer both retail and commercial prices on one card, enabling you to benefit from discounted, wholesale prices for diesel across the UK Fuels network. Additionally, you won't have to pay any surcharges – all you'll pay for is the petrol.
You'll be able to use Velocity, Fleetone's account management portal, to restrict what drivers can use their cards to buy, spot suspicious activity, and view customisable transaction reports and usage graphs. Meanwhile, the online invoicing system makes it really easy to claim back your VAT.
This card program also comes with free access to UK Fuels' route planning app, and the option to plump for additional tie-in products Kinesis Telematics and Velos MasterCard.
UK Fuels Fleetone pricing
The minimum spend of £1,000 per month means you’ll need to think harder about this option as a small business. If you have a larger fleet and will easily consume that much gas, UK Fuels’ Fleetone card is a solid, dependable fuel card solution.
- Includes supermarket filling stations
- Easy to identify suspicious card activity
- Minimum spend of £1,000/month
Best fuel card for fuel budgeting
Texaco Fastfuel can be used at around 2,900 UK filling stations, including all Tesco and Morrisons forecourts, the UK Fuels network and over 750 Texaco stations, as well as selected BP sites. In particular, Texaco’s Fastfuel card is great if your business uses a lot of heavier vehicles – with over 400 HGV-friendly sites and truck stops to choose from. Plus, plenty of Texaco's stations are conveniently located on motorways.
Importantly, Texaco Fastfuel uses a commercial pricing system. This means that you'll benefit from wholesale-related deals for diesel and unleaded, with prices that Texaco fixes each week – making it easier for you to predict what your drivers will spend, budget accordingly, and even save money. Plus, you won't have to pay any card charges.
On the admin side of things, you'll get comprehensive fuel management reporting, plus e-billing and HMRC-approved invoices. It also enables you to set limits on what your drivers can buy, right down to the types of fuel.
Texaco Fastfuel pricing
There’s an annual card fee of £18, which is pretty standard across fuel credit cards.
- Collect Tesco Clubcard points
- Strategic site coverage
- Limited to UK fleets only
The Fuel Store Card
Best fuel card for simplicity
The Fuel Store’s card aims to take the hassle out of topping up your vehicles. It can be set up in four simple steps, and costs that come with it are less daunting than those charged by some of the big names. With access to over 3,000 UK stations, the Fuel Store claims to have the largest multi-branded site network in the UK. Not bad for a card that’s only been around since 2016!
Continuing the simplicity long after the setup, with the Fuel Store Card you'll benefit from fixed weekly prices, helping you to budget and better manage cash flow. You'll also receive a single, HMRC-approved VAT invoice at regular intervals, and get 24/7 instant access to transaction and fuel reporting. You can also restrict what your drivers can and can't buy with these cards. And don't forget – these cards offer 14 days of free credit. Not a bad deal!
The Fuel Store Card pricing
The Fuel Store charges an annual £12 for each card, which is slightly cheaper than cards from bigger brands like Texaco and BP. You just pay for the fuel you use. However, if you’re drawing less than 300 litres of fuel a month, you’ll be slapped with a £10 minimum usage fee.
- No hidden fees
- Competitive annual card fee
- Range of features more limited compared to bigger brands
The fuel card you decide to go with will reflect the size, specifics, and ultimately the ambition of your business. For sheer scale and brand power, bigger names like BP and Texaco still dominate. But it’s smaller, cheaper cards like The Fuel Store’s that are helping shape the future for small businesses. Want to know more? Read about the range of fuel card providers and how they can benefit your business.
If you're ready to start comparing fuel card programs today, we can help. Just answer a handful of questions about your fleet and what you need, and we'll tap into our expert network to match you up with the fuel card providers that can best cater to your unique requirements. Those providers will then be in touch with free, no-obligation quotes, and a listening ear so you can ask any questions. It's the easiest way to quickly compare the best options for you.
Fuel card FAQs
What is a fuel card?
A fuel card is a type of payment card that can only be used to purchase fuel and other vehicle-related goods. Most are like credit cards, with the balance paid out by you each month, while others can be prepaid. Petrol, diesel, and – if you allow it – screenwash, engine oil, and more can be bought using a fuel card. Flapjacks, sandwiches, cigarettes, The Sun – not so much.
How do fuel cards work?
Fuel cards offer discounted rates on the advertised pump price. You can assign them to specific vehicles or employees and cap spending to manage your outgoings more effectively.
An online management tool shows you exactly who bought what, and where. Chasing drivers for receipts becomes a thing of the past: a fuel card is paid off at the end of the month, and invoices are HMRC VAT approved.
Why should I get one?
A fuel card takes the stress out of vehicle and driver management, and is a great way to save time and money. A fuel card could save you as much as 4p on every litre of fuel. That’s a colossal annual saving of £3,328 for a fleet of 10 Ford Transit vans filling up twice a week.
How do I get a fuel card?
The easiest way to find the right fuel card for your business is to follow our quote-finding process. Simply answer a few questions about your fleet, and we'll match you up with the best fuel card suppliers for your needs. They'll then be in touch directly with free, no-obligation quotes and information. If you need more info to help make up your mind, you can check out our roundup of the top fuel card providers.
When you've found the fuel card program for you, it's as simple as filling out an online application form with your company details.
Where are fuel cards accepted?
This depends on the size of the network offered by your chosen fuel provider. Some only allow you to pay for fuel at a paticular set of stations, while others can be accepted at almost every station in the UK. Some can be used at supermarket forecourts (where some of the most competitive rates can be found), while others can be used at supermarkets and dedicated fuel and maintenance stations.
While using a fuel card may limit your drivers in terms of where they can top up, fuel cards offer cheaper rates than more traditional payment methods. Most fuel card providers offer tools for locating the service station closest to you.