What are BP Business Solutions fleet cards? Top alternatives for 2025

BP Business Solutions fleet cards provide volume-based rebates and spending controls for businesses managing vehicle expenses. These cards offer up to 7¢ per gallon in fuel rebates at participating BP and Amoco stations, while providing fleet management tools including driver ID verification, spending limits, and transaction monitoring.

For businesses looking for other fuel card options, the market has plenty of alternatives beyond BP's offerings. Companies can choose from traditional fleet cards like Shell Fleet Cards and ExxonMobil business cards, modern expense management solutions such as Ramp corporate cards, or specialized commercial fueling networks like WEX and Fuelman. 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 payment solutions that give companies controlled access to fuel purchases while earning volume-based rebates and maintaining expense oversight. These cards are specifically built to replace traditional fuel reimbursement systems by giving businesses direct control over employee fuel spending through automated accounting and detailed transaction tracking.

BP offers two main fleet card types to accommodate different business needs. The Fuel Plus program restricts usage to BP and Amoco stations exclusively, providing the highest possible rebate rates for businesses operating primarily within these networks. The Mastercard program combines BP-branded station benefits with universal Mastercard acceptance, allowing fuel purchases anywhere Mastercard is accepted while maintaining enhanced rebates at BP and Amoco locations.

Both programs feature mandatory driver ID and odometer entry requirements for every transaction, creating audit trails that prevent unauthorized usage. Fleet administrators can set up spending controls including fuel-only limits. The cards automatically create reports tracking fuel consumption patterns and detailed purchase histories organized by driver, vehicle, or MPG.

The rebate structure operates on a tiered volume basis, with businesses earning 3¢ per gallon for 300-2,999 gallons monthly, scaling up to 7¢ per gallon for fleets consuming 10,000+ gallons per month. All rebates apply exclusively to participating BP and Amoco branded locations and require invoices to be paid in full and on time to maintain eligibility.

While BP Business Solutions doesn't specify exact credit score requirements, business fleet card programs typically need fair to good business credit, generally meaning credit scores of 630 or higher for favorable approval consideration.

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.

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.

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.

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.

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. Consider both immediate costs and long-term operational benefits when looking at programs with different fee structures and rebate schedules.

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.

Top BP fuel card alternatives to choose from in 2025

1. Ramp corporate card

The Ramp corporate card provides an expense management platform approach to business fuel management that extends beyond traditional fuel-focused solutions. The card offers flat cashback on almost all purchases including fuel, combined with spending controls, automated receipt matching, and policy violation alerts. On average, businesses save 5¢ per gallon while getting rid of the headaches of manual reconciliation for finance teams.

The platform also enables fleet reporting with the ability to track costs by vehicle, driver, or date while capturing odometer and VIN data for oversight, designed for businesses seeking expense management across multiple spending categories.

2. 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 6¢ 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 5¢ per gallon savings at Shell locations. Though, actual rebate level may depend on gallons purchased per billing cycle and promotional terms.

3. 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 15¢ per gallon within its nationwide savings network and up to 3¢ per gallon elsewhere, though actual savings depend on network participation and program terms. WEX also emphasizes sophisticated fleet management tools such as purchase controls.

4. 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 8¢ 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.

5. ExxonMobil BusinessPro Cards

ExxonMobil BusinessPro cards provide businesses with access to 12,000 Exxon and Mobil stations while offering up to 6¢ per gallon in rebates based on monthly fuel volume. ExxonMobil's approach emphasizes spending controls, 24/7 customer support for fleet management assistance.

6. 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. The program offers volume-based discounts of up to 8¢ per gallon at partner locations while providing card controls and real-time purchase authorization systems. Comdata particularly serves long-haul trucking and logistics companies. One disadvantage is that Comdata may have less built-out spend management tools for fuel visibility compared to other providers.

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.

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 of $0.05–$0.15 per gallon apply at non-partner stations and may be tiered for bigger accounts
• Late payment penalties are 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.

Key takeaways

BP Business Solutions fleet cards offer businesses a fuel management solution that combines volume-based rebates with administrative control capabilities. However, the decision to choose BP fleet cards depends on the alignment between your operational areas and BP's network coverage, as well as your preference for brand-specific savings versus universal acceptance flexibility.

For companies requiring maximum geographic flexibility or operating in areas with limited BP presence, expense management solutions like Ramp or universal acceptance programs like WEX may provide different operational benefits. The selection depends on matching program capabilities with your specific operational requirements, administrative preferences, and fleet management objectives.

Simplify fleet expenses with the Ramp business credit card

Many businesses don't overspend because of higher mileage. They overspend because they lack visibility into purchases. The Ramp business credit card addresses this by combining everyday corporate spend management with fleet-friendly oversight. Accepted anywhere Visa is, it comes with no foreign transaction fees and requires a minimum $25,000 balance in a U.S. business bank account. On average, companies see around 5¢ per gallon in savings, with the ability to track fuel data down to odometer readings, VIN numbers, and driver- or vehicle-level reports.

For fleets with several vehicles or monthly fuel costs above $1,000, Ramp delivers the control and transparency that traditional fuel cards often lack, reducing waste and showing 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.