WEX Fleet Card alternatives in 2025: A comparison guide

The WEX Fleet Card is a commonly used fuel card for small businesses, giving companies access to a large fueling network and a set of controls for monitoring spending. But depending on your industry, size, and operating region, another card may be a better fit. Many businesses actively compare WEX Fleet Card alternatives and competitors to make sure they find the right balance of coverage, fees, and features. When you're comparing alternatives, you should pay close attention to factors like network coverage, fees, fuel discounts, reporting tools, and system integrations, since these directly affect costs and day-to-day management.

This guide explains what to look for in top-rated fleet fuel cards and highlights the best alternatives to the WEX Fleet Card available in 2025, including Ramp, Comdata, CFN, Voyager, Fuelman, and Shell.

What is the WEX Fleet Card?

The WEX Fleet Card is a fuel card program designed to help businesses manage vehicle expenses. It's accepted at most fuel stations across the United States and provides features such as purchase controls, reporting tools, and account management options. Companies use it to track fuel spending by driver or vehicle, set limits to prevent misuse, and streamline billing.

While WEX is a widely recognized provider in this space, businesses often look at WEX competitors and fleet card alternatives to find a program that better fits their network needs, fee preferences, or integration requirements.

Key factors to compare when choosing a WEX Fleet Card alternative

Choosing a fleet card isn't just about signing up for the first option that offers rebates. Each program is built differently, with its own strengths and trade-offs. The right choice depends on how your business operates, where your drivers fuel up, and what level of control your finance team needs. Understanding these factors is essential when you're looking at WEX Fleet Card alternatives or competing providers.

Network coverage

Network coverage determines where drivers can use the card and how easily they can stay on route without detours. A card with strong national coverage is essential for fleets that operate across multiple states, since it cuts down on wasted time hunting for compatible stations.

For smaller or regional businesses, a card with a strong local network can be more cost-effective, especially if it fits with the stations employees already use. Thinking about where your vehicles operate most often helps prevent disruptions and makes sure drivers don't lose productivity just trying to fuel up.

Fee structure

Fee structure is one of the most important considerations when comparing fleet cards because it determines how much of your fuel savings you actually keep. A card with attractive discounts but high account or transaction fees may cost more in the long run than one with smaller rebates but lower overall charges.

Monthly account fees, per-card fees, and per-transaction charges can add up quickly for businesses with large fleets. Even smaller fleets can feel the impact if charges are applied inconsistently or if there are hidden costs for things like replacement cards or custom reports. Transparent pricing helps businesses budget accurately and makes sure that any discounts earned translate into real savings at the pump.

Fuel discounts and rewards

Fuel discounts and rewards are often the main reason businesses consider fleet cards, since they directly reduce per-gallon costs. Programs may offer fixed discounts, tiered rebates, or volume-based incentives that reward higher spending. These structures matter because they determine whether savings scale as your fleet grows or stay consistent across purchases.

Some cards also partner with specific stations to provide deeper discounts, which can be helpful if your routes already line up with those brands. Looking closely at how discounts are applied makes sure that your fleet is actually saving money and not just chasing headline rates that only apply under limited conditions.

Management tools

Management tools are what turn a fleet card from a simple payment method into a business efficiency driver. Features like real-time transaction monitoring and customizable spending controls help companies prevent fraud and enforce policies without added administrative work. Detailed reporting capabilities give finance teams visibility into driver behavior, fueling patterns, and overall costs, which supports smarter decision-making.

Without these tools, businesses risk overspending and losing track of where money is going. The right management system balances ease of use with depth, so that teams can quickly spot issues while still getting the detail they need for long-term planning.

Integration with finance and accounting systems

Integration is an important factor because it determines how smoothly fleet spending data flows into your existing systems. Cards that sync directly with accounting software or ERP platforms save hours of manual entry and reduce the chance of errors. API connections can also link fuel data with other parts of the business, like payroll or telematics, creating a more complete picture of operations.

Automated expense coding and tax reporting features are particularly valuable for companies that operate across state lines, where compliance is more complex. A card that integrates well makes end-of-month reconciliation faster and frees up finance teams to focus on analysis instead of data entry.

Industry fit

Industry fit is the final piece that ties everything together. A card that works well for long-haul trucking may not be right for a service business with a handful of vans. Construction and agriculture companies often need access to commercial fueling sites and off-road diesel, while delivery fleets benefit from wide retail coverage to keep vehicles moving on unpredictable routes.

Municipal fleets and government entities usually require strong controls and detailed reporting for accountability. Thinking about the specific needs of your industry makes sure you choose a program that matches your operations instead of forcing your business into a one-size-fits-all solution.

6 best WEX Fleet Card alternatives for small businesses in 2025

Here’s a breakdown of the best fleet cards for small businesses looking for WEX alternatives:

1. Ramp business credit card

The Ramp business credit card isn't a traditional fleet card, but it's a strong alternative for businesses that want to manage fuel alongside other expenses. Accepted anywhere Visa is, Ramp offers flat cashback on every purchase—including fuel—while providing advanced controls designed for oversight. Finance teams can restrict cards to fuel-only purchases, get real-time alerts for policy violations, and automatically match receipts to transactions.

Ramp also supports fleet-specific reporting, with the ability to track costs by truck, driver, or date, and even capture odometer and VIN data for improved visibility. On average, businesses save about 5¢ per gallon, making it easier to keep fuel costs under control while streamlining administration.

The card integrates seamlessly with popular accounting software, reducing manual entry and making reconciliation easier. It charges no annual fees, no foreign transaction fees, and no interest, and it doesn't require a personal guarantee. To qualify, however, businesses need at least $25,000 in a U.S. business bank account, and balances must be paid in full each month. The card is also not available to sole proprietors.

Pros:

• Flat cashback on all purchases, including fuel
• Fleet-level reporting by truck, driver, or date
• Odometer and VIN tracking for oversight
• Automated receipt matching and real-time alerts
• No fees, no foreign transaction fees, and no personal guarantee
• Accepted anywhere Visa is

Cons:

• Requires $25,000 minimum bank balance
• Not available for sole proprietors
• Balance must be paid in full each month

2. Comdata

Comdata is another option for fleets that need access to commercial fueling networks in North America. It provides coverage along major trucking routes and transportation hubs, with access to over 8,000 truck stops.

Discounts are volume-based, with up to $0.08 per gallon savings at partner truck stops and commercial fueling sites. Comdata's platform also offers card controls and real-time purchase authorizations to reduce fraud. They also provide their own analytics tool, FleetAdvance, to give drivers visibility on fuel spend.

This card works best for long-haul trucking and logistics companies that need detailed controls and volume-based savings.

Pros:

• Large commercial network coverage along major transportation corridors
• Excellent control capabilities with highly specific authorization parameters
• Daily discounts for fuel (dependent on fleet size)

Cons:

• Less built-out spend management tools for fuel visibility compared to other providers
• Limited reporting capabilities for more advanced expense reconciliation

3. CFN (Commercial Fueling Network)

CFN is a commercial fueling network designed for fleets that operate large trucks and equipment, particularly in the western United States. With more than 3,000 CFN locations, the program gives drivers access to sites built for commercial vehicles, many of which are open 24/7 for convenience.

CFN pricing is structured as either cost-plus or retail-minus, allowing businesses to benefit from wholesale rates or set discounts depending on their needs. The network is particularly well-suited for industries that rely on diesel equipment, with many locations offering off-road diesel that eliminates the need to file tax refund claims later.

Pros:

• Cost-plus or retail-minus pricing options for fuel savings
• 3,000+ commercial fueling sites nationwide, concentrated in the West
• Off-road diesel access for equipment

Cons:

• Fewer locations in other regions outside of the western United States
• Primarily designed for trucks and diesel equipment, less convenient for light-duty vehicles
• Less publicly available information about its card details and benefits
• Limited fuel spend management capabilities

4. Voyager

Voyager (U.S. Bank Voyager Mastercard®) is a dual-network fleet card that runs on both the Voyager and Mastercard networks, giving fleets broad acceptance across the U.S. and in Canada and Mexico. It’s designed to cover routine fuel purchases as well as unexpected on-the-road needs, so drivers can handle contingencies with a single card.

Administration happens on one management platform where fleet teams can issue cards to drivers or vehicles, set spend controls and pump prompts, and view detailed, accurate transaction data for fuel and maintenance. The program also supports tracking and control of pre-purchased fuel, mobile refueling, driver training expenses, and the use of negotiated discounts.

Pros:

• Dual-network acceptance (Voyager + Mastercard)
• Supports fuel, maintenance, and unplanned expenses
• Single platform for card admin, spend controls, reporting, and detailed data capture

Cons:

• Savings depend on merchant participation and any negotiated discounts
• Broad acceptance may require careful control settings to limit non-fuel spend
• Cross-border use is subject to network and merchant availability

5. Fuelman

Fuelman is a fleet fuel card program focused on giving businesses flexibility, control, and visibility over vehicle spending. Companies can earn fuel rebates at gas stations on the Fuelman Network and manage costs through plan options designed for different fleet needs.

Fuelman provides driver- and vehicle-level reporting to support smarter decisions, including detailed fuel and tax reporting for time savings during reconciliation. Organizations can choose among Basic, Pro, and Enterprise plan tiers. The Discount Network advertises savings of 8¢ per gallon on diesel and unleaded at 40,000+ locations.

Pros:

• Fuel rebates on the Fuelman Network, including 8¢/gal savings at 40,000+ Discount Network locations
• Driver- and vehicle-level reporting with detailed fuel and tax reporting
• Customizable fuel controls, driver profiles, and real-time fraud/misuse alerts

Cons:

• Monthly plan fees (e.g., Basic, Pro, Enterprise) add fixed costs; maintenance program may be an additional fee on lower tiers
• Actual savings depend on use of the Discount Network and may vary by location and plan
• Broader acceptance and benefits outside participating merchants can differ by configuration, requiring careful setup of controls and policies

6. Shell card business (and shell card business flex)

Shell offers two small-business fleet options. Shell Card Business provides ongoing savings of up to 6¢ per gallon at Shell stations, with acceptance at more than 12,000 Shell locations and participating Jiffy Lube sites. Shell Card Business Flex™ extends coverage to approximately 95% of U.S. gas stations while still offering up to 5¢/gal savings at Shell and access to exclusive promotions. Both products are designed to simplify fueling and basic maintenance while giving owners straightforward controls.

Coverage and acceptance span Shell’s network and, with Business Flex, most other U.S. fuel brands. Business Flex also includes a 20% discount at participating Jiffy Lube locations, which can help reduce routine maintenance costs. Management tools also include automated fuel accounting, real-time expense details, and downloadable reports.

Pros:

• Up to 6¢/gal savings at Shell with Shell Card Business
• Up to 5¢/gal at Shell with Business Flex
• Broad acceptance: 12,000+ Shell stations, plus ~95% U.S. station coverage with Business Flex

Cons:

• Maximum per-gallon savings apply at Shell; non-Shell transactions (via Business Flex) may be at pump price
• Actual rebate level depends on gallons purchased per billing cycle and promotional terms
• Maintenance discounts limited to participating Jiffy Lube® locations
• Pay-over-time may involve interest or fees; businesses should review terms
• Advanced third-party integrations are not specified and may require additional tooling

Best practices for managing and optimizing your fleet card program

A fleet card program is only as effective as the systems you put around it. While discounts and network coverage matter, businesses see the biggest value when they actively manage spending, monitor usage, and optimize their program over time. By reviewing transactions, setting clear controls, and holding providers accountable, companies can prevent waste, reduce fraud, and make sure the savings promised by a fleet card actually show up in the bottom line.

Monitor transactions regularly

Keeping a close eye on purchases is one of the simplest ways to prevent misuse and uncover savings opportunities. Real-time alerts help finance teams spot unusual behavior immediately, whether it's multiple small fill-ups, purchases at higher-priced stations, or charges that don't fit the driver's normal pattern. Smaller businesses may find a weekly review sufficient, while larger fleets often benefit from daily monitoring. Regular oversight makes sure you're not only catching fraud early but also identifying inefficiencies in how drivers refuel.

Set up detailed spending controls

Strong controls are what turn a fleet card from a payment method into a cost management tool. Setting limits based on vehicle tank size, restricting purchases to approved fuel types, or blocking non-fuel transactions prevents overspending before it happens. Time-of-day or location restrictions can add another layer of protection, making sure purchases align with business needs. These controls give companies confidence that every gallon purchased is tied to legitimate operations.

Review monthly statements and fees

Even if you're monitoring daily transactions, monthly statements provide the full picture of whether your program is delivering on its promises. Comparing actual discounts against what was advertised helps you catch discrepancies, while scanning for unexpected fees makes sure small charges don't eat away at your savings over time. Using automated tools to flag exceptions makes it easier to see when it's time to ask your provider for clarification—or consider switching if terms aren't being honored.

Shift volume to preferred networks

Fuel discounts only create real savings if your drivers consistently use participating stations. By analyzing purchase data, you can identify the stations that offer the best rates along your routes and encourage drivers to use them. Some businesses go further by building fueling policies around preferred networks or setting up geofenced alerts that remind drivers when they're near a discounted station. Over time, shifting volume to the right locations can significantly increase the value of your fleet card.

Regularly compare and negotiate

The fleet card market changes quickly, and the program that was the best fit two years ago may not be today. Reviewing your program against current offerings at least once a year helps make sure you're still getting competitive rates and features. Documenting your fleet's performance—such as volume purchased and on-time payments—strengthens your position when negotiating better terms. Providers are often willing to improve pricing or offer additional benefits to reliable, growing customers, but only if you ask.

Manage fleet fuel and expenses with the Ramp business credit card

Many teams overspend not because they drive more, but because they can’t easily see who bought what, where, and when. The Ramp business credit card is built to solve that problem while covering everyday business spend—not only fuel. It’s accepted anywhere Visa is, has no foreign transaction fees, and is available to businesses with at least $25,000 in a U.S. business bank account. Companies typically save about 5¢ per gallon on average and can capture the details that matter to fleet management, including odometer readings, VINs, and per-driver or per-vehicle reporting by date.

If you run multiple vehicles or spend $1,000+ a month on fuel, Ramp can provide the oversight and simplicity traditional fuel programs often miss—helping you spend less and know exactly where every dollar goes.

Explore how the Ramp business credit card can function as a smarter fleet card for controlling fuel and vehicle expenses.

Information about third-party card providers is based on publicly available sources and may change over time. Details have not been independently verified or endorsed by the providers themselves.