Best Fuel Card in 2026: “Best” Really Means (and Why RTS is a Top Pick)
- Maria Bayon
- Feb 10
- 2 min read
Updated: Feb 11
Fuel is usually the #1 or #2 expense for trucking companies and owner-operators, so when people ask for the “best fuel card rates,” what they really want is:
real cents-off discounts (not points that barely move the needle)
acceptance where you actually fuel
low/no fees
controls + reporting so drivers don’t run wild
In 2026, several industry guides consistently list RTS among the top choices for owner-operators and small fleets because of strong discounts at common truck stop networks and straightforward programs.
What to Look for in a Fleet Fuel Card
When evaluating fuel cards, consider the following factors:
Fuel Discounts: Significant per‑gallon savings can lead to thousands in yearly cost reductions.
Network Coverage: Look for cards accepted at many major truck stops and retail locations nationwide.
Fees Structure: Zero or low transaction fees and minimal monthly costs improve savings.
Reporting Tools: Detailed tracking and reporting make accounting and route planning easier.
RTS Fleet Card Overview
The RTS Fleet Card is designed for trucking operations focused on cost control and efficient spend management. It typically offers average fuel discounts (often around $0.25 per gallon at more than 2,400 fueling stations) and tools to track expenses across your fleet efficiently.
RTS also provides features such as:
Payment flexibility, including options for weekly or monthly billing cycles.
Fraud prevention features, such as card lock capabilities to protect against unauthorized use.
Additional savings on maintenance and routine truck care at participating service centers.
Quick reality check: fuel card “rates” aren’t one fixed number
Most fuel cards don’t give one universal rate. Discounts usually vary by:
Truck stop brand/location
In-network vs out-of-network
Your weekly gallons/volume tiers
Your program type (credit vs debit / prepaid vs traditional)
That’s why “best” depends on your lanes and where you fuel—not just a flashy ad.
Pick your card type in 15 seconds
Reply in your head (or use as a blog poll):
1) Where do you fuel most?
A) Major truck stops (Pilot/Flying J, TA/Petro, etc.)
B) Mixed stops + local stations
C) Where is the cheapest on the map
2) What do you care about most?
A) Biggest discount possible
B) No credit check / easier approval
C) Tight controls + reporting for drivers) Brand loyalty points
3) What’s your setup?
A) 1 truck (owner-op)
B) 2–5 trucks
C) 6+ trucks
Keep your answers—because that determines what “best rate” looks like for you.
Top fuel card options people compare in 2026
These show up repeatedly across 2025–2026 comparisons and owner-operator guides:
RTS Fuel Card
TCS Fuel Card
EFS / Comdata-style fleet cards
Discount apps/cards like Mudflap (great for flexibility; discounts vary by location)
(Different tools win for different carriers—so below is a simple way to decide.)
Bottom line
The best fuel card in 2026 is the one that gives you the biggest discount on your real routes with the fewest fees, plus controls that protect your money.
RTS is a strong top pick for many owner-operators and small fleets because of its discount positioning, trucking-focused network perks, and low-fee comparisons.
Need help choosing? We’ve got you.
Our team has resources, guides, and checklists to help you compare options and avoid hidden fees.
📞 Call our office: 832-500-0043📧 Email: info@macctransportandlogistics.com🌐 Visit: www.macctransportandlogistics.com
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