BP Business Solutions fleet cards and top alternatives

BP Business Solutions fleet cards pair fuel rebates at BP and Amoco stations with driver-level spend controls, including up to $0.07 per gallon in rebates and tools like driver ID verification and transaction monitoring.

If you're still sorting through fleet card types, start with what BP sells today, then compare it against the programs that cover more of your routes. The best choice depends on your fleet size, geographic coverage requirements, fueling patterns, and the balance you want between brand-specific savings and universal acceptance.

What are BP Business Solutions fleet cards?

BP Business Solutions fleet cards are business fuel cards that offer volume-based rebates and spend controls. BP now offers three options: the WEX + Mastercard earnify™fleet card, the BP/Amoco-only Fuel Plus card, and the open-loop Business Solutions Mastercard.

All three give you spend controls and transaction reporting, and the legacy cards prompt drivers for a driver ID and odometer reading at the pump. Rebates scale with volume. FreightWaves' 2026 BP fleet card review puts the tiers at $.03 per gallon for 300 to 2,999 gallons a month. That climbs to $.07 per gallon above 10,000 gallons.

BP doesn't publish exact credit score requirements, but business fleet card programs typically expect fair-to-good business credit for favorable approval. If you're not sure where you stand, review the typical credit score requirements for business cards first.

earnify™fleet

earnify™fleet is BP's flagship fleet program, launched in 2025 through a partnership with WEX and running on the WEX and Mastercard networks. WEX confirmed the launch and network setup in its earnify™fleet partnership announcement.

The reach is the point. BP's earnify™fleet program page lists acceptance at about 95% of U.S. Fuel stations, with in-network savings of up to seven¢ per gallon at more than 8,000 BP-family locations, including BP, Amoco, TA, TA Express, and Petro.

Security and non-fuel spend both get handled at the card level. Dual-chip EMV technology limits the card to chip-enabled, vehicle-related merchants, and the card also covers operating costs like tolls, parking, and EV charging.

One caveat before you sign: BP doesn't publish an earnify™fleet fee schedule. Ask your rep for the full fee list in writing so you can compare it against your current program.

BP Business Solutions Fuel Plus

Fuel Plus is a closed-loop card that works only at BP and Amoco locations, so it fits fleets running East and Midwest routes on BP-branded lanes. Drivers who wander off those lanes lose the rebate entirely.

The published rebate table runs $.03 to $.07 per gallon based on monthly volume. FreightWaves' 2026 fee table lists no startup cost and about $10 per month per account, waived once you buy more than 5,000 gallons a month.

BP Business Solutions Mastercard

The BP Business Solutions Mastercard is an open-loop card accepted anywhere Mastercard is taken, but rebates still apply only at BP and Amoco stations. You trade a little rebate reach for the certainty that a driver can always fill the tank.

Watch the fee math. FreightWaves' 2026 review lists about $12 per month per account, plus an out-of-network transaction fee of up to $2 per fuel stop. That fee erodes savings fast if most fueling happens off-network.

Gas credit cards vs. fleet fuel cards

Gas credit cards let businesses earn cashback or rewards when fueling, making them ideal for simple savings. Fleet cards provide management tools like real-time alerts, driver-level reporting, and purchase restrictions. The main distinction is that gas cards reward purchases while fleet cards help control and monitor them.

How to choose the right fleet card if you're looking for BP alternatives

Picking the best fleet card takes systematic analysis of your business's operational patterns, geographic coverage needs, and administrative preferences.

Start with where your drivers actually fuel, since acceptance decides whether a rebate ever gets earned. Then work through cost and control. These five factors cover most of the decision.

Fleet size

Fleet size significantly influences the relative value of different program features and fee structures. Smaller fleets with fewer than 20 vehicles often benefit most from small business fleet cards that provide simple rebate structures and minimal administrative complexity, while larger operations can leverage volume-based pricing tiers and sophisticated management tools to get greater overall savings. The administrative overhead increases substantially with fleet size, making advanced reporting and spending control features more valuable for companies managing extensive vehicle operations.

Run the break-even math card by card before you commit. FreightWaves' 2026 math puts the break-even at roughly 143 to 172 gallons a month for a card earning $.07 per gallon against BP's $10 to $12 monthly fee. Below that, the fee eats the rebate.

Geographic coverage

Geographic coverage is the most critical selection factor, as even generous rebate programs become ineffective if drivers can't access participating stations along their regular routes. Businesses should carefully map their typical operational areas against each program's network coverage, paying particular attention to rural areas where fuel station options may be limited.

Closed-loop and open-loop fleet fuel cards behave very differently on this factor. Fuel Plus only pays off at BP and Amoco, earnify™fleet is accepted at roughly 95% of U.S. Stations, and a Visa-backed corporate card like Ramp's sidesteps the map question because it works at nearly any station that takes cards.

Fuel consumption

Fuel consumption patterns and operational predictability also impact program selection. Businesses with consistent routing patterns and predictable fueling locations can maximize value from brand-specific programs offering higher rebates, while companies with variable routes or emergency service requirements may benefit more from universal acceptance programs despite potentially lower per-gallon savings.

Rebate tiers reward that predictability directly. Consistent high-volume fueling at BP and Amoco is what gets you to the $.07 per gallon top tier. Variable or emergency routes usually earn more from universal acceptance at a lower per-gallon rate.

Cost structure

Cost structure analysis should extend beyond advertised rebate rates to include all program fees, transaction charges, and administrative costs. Calculate total cost of ownership based on expected monthly fuel volume, number of cards required, and desired feature complexity.

two BP-specific line items are worth pricing out:

• BP Business Solutions Mastercard's out-of-network fee: Up to $2 per transaction can wipe out the rebate on a single off-network fill
• earnify™fleet fee schedule: BP doesn't post it publicly, so request it in writing before you compare programs

Management complexity

Management complexity preferences vary quite a bit between organizations based on internal resources and operational priorities. Some businesses prefer straightforward programs with automatic rebates and minimal administration, while others require detailed control over every aspect of fuel spending. Check your internal capacity for fleet management and choose programs that line up with your administrative capabilities and growth plans.

Control is where the programs separate. BP cards let managers set limits by product type, time of day, and location, which still leaves you reviewing statements after the fact. Pre-spend control works the other way: the limit is enforced at the point of swipe, so an off-policy purchase gets declined instead of audited.

Top BP fuel card alternatives

If BP's network doesn't match your routes, five fuel card programs and one corporate card cover most of the alternatives. Rebate ranges below are the advertised maximums, so confirm your own tier against current program terms.

Shell Fleet Cards

Shell Fleet Cards serve businesses through Shell's network of over 12,000 locations nationwide, offering volume-based savings and comprehensive fleet management tools. The program provides up to $0.06 per gallon savings at Shell stations with the standard Shell Card Business, while the Shell Card Business Flex extends acceptance to approximately 95% of U.S. Gas stations with up to $0.05 per gallon savings at Shell locations. Actual rebate level may depend on gallons purchased per billing cycle and promotional terms.

WEX Fleet Cards

WEX Fleet Cards offer universal acceptance at approximately 180,000 locations, providing flexibility for businesses with diverse routing requirements. The program provides potential savings of up to $0.15 per gallon within its nationwide savings network and up to $0.03 per gallon elsewhere, though actual savings depend on network participation and program terms. WEX also emphasizes sophisticated fleet management tools such as purchase controls.

WEX is also the network behind BP's earnify™fleet, so a WEX card and earnify™fleet share much of the same acceptance footprint.

Fuelman Fleet Cards

Fuelman Fleet Cards focus on providing businesses with flexibility and control through their network of 40,000+ locations offering savings up to $0.08 per gallon on diesel and unleaded fuel. The program offers multiple plan tiers including Basic, Pro, and Enterprise options with corresponding feature sets and fee structures.

ExxonMobil BusinessPro cards

ExxonMobil BusinessPro cards provide businesses with access to 12,000 Exxon and Mobil stations while offering up to $0.06 per gallon in rebates based on monthly fuel volume. ExxonMobil's approach emphasizes spending controls and 24/7 customer support for fleet management assistance.

Comdata Fleet Cards

Comdata Fleet Cards specialize in serving commercial operations through access to over 8,000 truck stops and commercial fueling locations along major transportation corridors. Freightwaves' 2026 comdata review puts current volume-based discounts at $0.08 to $0.25 per gallon at partner locations, with the strongest rates at TA and Petro, while the cards also provide controls and real-time purchase authorization. Comdata particularly serves long-haul trucking and logistics companies, though it may have less built-out spend management tools for fuel visibility compared to other providers.

Ramp Corporate Card

Ramp is not a traditional fleet card—it's a corporate card and expense management platform built to help businesses track, control, and optimize employee spend, including fuel.

For companies that operate multiple teams and want visibility into all purchases, Ramp offers features like purchase restrictions, real-time policy alerts, and automated receipt matching. Since it's accepted anywhere Visa is, Ramp works at virtually any station that takes cards.

Ramp also integrates with accounting systems to streamline reconciliation and offers cashback rewards on purchases. There are no annual fees and no personal guarantee required.

The control model is what sets it apart from a closed-loop fuel card. You set per-merchant, category, and dollar limits, and Ramp enforces them at the point of swipe. An off-policy purchase gets declined instead of becoming a line item you chase down later.

The Visa backing extends that control past your usual routes, with acceptance in 200+ countries. Treat Ramp as the control-first option rather than a like-for-like fuel card: you give up brand-specific per-gallon rebates and get visibility across fuel, travel, and everything else your drivers buy.

Understanding fleet card costs and hidden fees

Fleet card programs often involve complex fee structures that extend beyond advertised rebate rates, making it essential for businesses to understand the total cost of ownership before committing to any program. Knowing exactly what you'll pay in monthly fees, transaction charges, and out-of-network costs is the only way to compare programs on equal footing.

Fleet card programs often carry complex fees beyond advertised rebates, making it essential to review all costs before choosing a provider:

• Monthly card fees: Usually range from $2–10 each, with some waivers for high-volume use or promotions
• Transaction fees: Typically $0–$0.10 per purchase, may be included in monthly fees or charged separately, which adds up for large fleets
• Setup fees: Run $25–$50 but are sometimes waived, and premium features can add another $10–$50 per month
• Out-of-network charges: $0.05–$0.15 per gallon apply at non-partner stations and may be tiered for bigger accounts
• Late payment penalties: 1.5–2.5% monthly, while early payments can yield discounts of 0.5–1%

Reviewing all terms and charges is important to avoid unexpected costs that impact fuel savings.

BP's own lineup shows how differently those fees land, according to FreightWaves' 2026 fee table:

Fuel cards stack monthly, transaction, and out-of-network fees on top of each other, which is a cost you can avoid. Ramp charges no card fees, and its always-on Policy Agent catches 7x more out-of-policy spend than traditional rule-based systems. Your fuel spend arrives as auto-coded, reviewable data instead of a stack of receipts and a surprise fee line.

A corporate card built for total spend control

Choosing a business credit card isn't just about earning rewards—it's about gaining control over one of your largest recurring costs. Businesses often overspend on fuel and other operational expenses not because they're using more, but because they can't see who's spending what, where, or when.

Ramp isn't a traditional fleet card, but it can help businesses manage fuel spend as part of a broader corporate card program. It's built to handle real-world business spend—from travel to fuel and beyond. With centralized controls and automation, Ramp gives finance teams visibility across all employee spend.

See how Ramp helps you manage expenses. Try the Ramp Corporate Card.