How to Get a Fuel Card for a Business

Managing fuel expenses is a common challenge for businesses that operate vehicles. Whether you run a delivery service, a construction company, or a fleet of any size, a business fuel card can simplify expense tracking, provide rebates, and help establish business credit. This guide walks through the steps to obtain a fuel card and highlights the key factors to consider before applying.

What Is a Business Fuel Card?

A business fuel card works similarly to a credit card but is designed specifically for fuel and vehicle-related purchases. These cards come in two main types: universal network cards that work at most gas stations (often branded as Visa or Mastercard) and brand-specific cards tied to particular fuel retailers like Shell or ExxonMobil. Each type offers different benefits depending on your business needs and fueling patterns.

Different providers also have varying approval criteria. For example, AtoB’s fleet card eligibility requirements are more accessible than traditional options, as they don’t require personal guarantees or hard credit checks. This makes providers like AtoB suitable for startups and newer businesses that may not yet have established credit histories.

7 Steps to Get a Business Fuel Card

Assess Your Business Needs

Before applying, determine what type of card suits your operations. Consider whether your drivers travel fixed routes where brand-specific cards would work, or whether they need flexibility to fuel at any station. If you operate a government fleet, you may also need features such as tax-exempt reporting. Understanding these requirements upfront helps narrow down your options.

Gather Your Business Information

Fuel card providers require documentation to verify your business. Have the following ready before starting an application:

Employer Identification Number (EIN)
Business legal name
Business registration details
Physical and mailing addresses
Years in business
Estimated monthly fuel spend

Having these details prepared streamlines the application process and reduces delays.

Gather Your Personal Information

Most applications also require information about the business owner or a controlling person. This typically includes:

Full legal name
Social Security Number
Date of birth
Personal address

Providers use this information for identity verification and, in some cases, to assess creditworthiness.

Research Available Providers

Several companies offer business fuel cards, each with different approval requirements and benefits. Common providers include WEX, Fuelman, AtoB, Mudflap, and Coast. When comparing options, consider factors like:

Acceptance network (where you can use the card)
Approval requirements
Rebate structures
Monthly or transaction fees
Spending controls and reporting features

Some providers cater to startups or businesses without established credit, while others offer better terms for companies with strong credit histories.

Complete the Online Application

Once you select a provider, visit their website and locate the application page. The process typically involves filling out forms with your business and personal details. Most applications take 10 to 15 minutes to complete. Be accurate with the information you provide, as discrepancies can delay approval.

Submit Required Documentation

Depending on the provider and your business profile, you may need to provide additional documentation. Common requests include:

Bank statements
Utility bills
Business licenses
Financial statements

Not all providers require extensive documentation. Some offer streamlined approval processes that rely primarily on the information submitted in the application.

Wait for Approval

Approval timelines vary by provider. Some offer instant or same-day decisions, while others take a few days to review applications. Once approved, physical cards typically arrive within a week. Many providers also offer virtual card numbers you can use immediately.

Key Factors to Consider Before Applying

Credit Requirements and Guarantees

Fuel card providers have different credit policies. Some cards, like those from AtoB or Mudflap, approve applicants without requiring personal guarantees or hard credit pulls. This makes them suitable for newer businesses or those with limited credit history. Other providers may require a personal guarantee from the business owner or check your business credit score before approving the loan.

Fees and Features

Compare the cost structure across providers. Look at:

Monthly card fees
Per-transaction fees
Late payment penalties
Rebates or savings programs

Beyond cost, evaluate features like spending controls, which let you set limits by driver, vehicle, or purchase type. Detailed expense reporting can also simplify bookkeeping and tax preparation.

Credit-Building Potential

Some fuel card providers report payment activity to business credit bureaus like Dun & Bradstreet, Experian, and Equifax. If building business credit is a priority, choose a provider that reports positive payment history. Consistent on-time payments can strengthen your credit profile and qualify your business for better financing terms in the future.

Final Thoughts

Getting a business fuel card involves a straightforward process: understand your needs, gather the necessary documentation, compare providers, and complete an application. The approval process is typically quick, and the benefits—including simplified expense management, potential savings, and credit-building opportunities—make fuel cards a practical tool for businesses with vehicles. Take time to compare your options and select a card that aligns with your operational requirements and financial goals.