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Fleet Fuel Card Comparison Calculator — WEX vs Comdata vs Shell

Compare fleet fuel card savings across programs. Discount per gallon, rebates, fraud prevention savings, and annual fees — find the best fuel card for your fleet.

Quick answer: Fuel cards save fleets $0.05–$0.15/gallon vs retail pump. On 150,000 gallons/year: $7,500–$22,500 in fuel savings plus fraud prevention. Compare WEX, Comdata, EFS, and fleet-specific programs.

💳 Fleet Fuel Card Comparison Calculator

Option A (Current or Card 1)
Option B (Alternative Card)
Fuel cards with PIN + purchase controls prevent theft
Best Fuel Card
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Option A Net Saving
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Option B Net Saving
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How to Use This Calculator

  1. Enter annual fuel consumption — total gallons purchased across your fleet.
  2. Get discount quotes — WEX, Comdata, EFS, Shell, and fuel networks offer per-gallon discounts that depend on volume and negotiation.
  3. Include fraud prevention — fuel cards with PIN verification and purchase category restrictions prevent driver misuse — a real cost at many fleets.

Worked Example

150K gallons, $3.85 retail. Option A: $0.06/gal discount, $1,800 fee. Option B: $0.10/gal, $2,400 fee. $4,500 annual fraud loss.

  1. Option A: $9,000 − $1,800 + $3,600 = $10,800/yr
  2. Option B: $15,000 − $2,400 + $3,600 = $16,200/yr
  3. Winner: Option B saves $5,400/yr more despite higher fee

The $0.04/gallon extra discount more than offsets the $600 higher fee at 150K gallons. Negotiate fuel card contracts annually — volume gives you leverage to push discounts higher.

Frequently Asked Questions

$0.05–$0.12/gallon at major truck stop networks (TA, Pilot/Flying J, Love's) negotiated through card programs. Larger fleets (50+ trucks) can negotiate $0.10–$0.20/gallon discounts with direct fuel supplier contracts. Card program fees are typically $150–$500/year plus $1–$5/card/month.

PIN requirement at pump, purchase category restrictions (diesel only, no cash advances), gallon limits per transaction or per day, geographic restrictions (only within X miles of normal route), and real-time alerts for unusual purchases. These controls prevent both accidental and intentional fuel card misuse — a common problem in fleets without controls.