BP made our short list of the best fleet fuel cards for large trucking fleets that need broad coverage and flexible spending controls. Its earnify™fleet program offers near-universal acceptance through the WEX + Mastercard network, automatic in-network savings at BP, Amoco, and TA stations, and tools to manage tolls, parking, and EV charging in one platform. BP’s older Business Solutions cards are still available, but your choice affects where you can fuel and how much you’ll save—so match the card to your routes.
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At FreightWaves Checkpoint, our goal is to give readers clear, data-backed insights into the tools and services that keep the trucking industry moving, including fuel cards.
We reviewed dozens of fuel card providers across the U.S., assessing key factors like average fuel discounts, network coverage, fees, security features, and account management tools. We also analyzed real-world driver and fleet feedback to understand how these cards perform on the road — from customer service responsiveness to ease of use and fraud protection.
Our in-house team of experts routinely reviews all content to ensure it is accurate, up-to-date, and genuinely helpful for truckers and fleet owners.
BP Fleet Cards At a Glance
- Broad coverage with flexible acceptance: The earnify™fleet program combines WEX and Mastercard networks for near‑universal fueling access, while still offering in‑network savings at more than 8,000 BP‑family locations, including TA, TA Express, and Petro.
- Competitive rebates for BP‑centric routes: The Business Solutions Fuel Plus card offers savings of $.03–$.07 per gallon at BP and Amoco stations, making it a strong fit for fleets concentrated in the East and Midwest that primarily run BP‑branded lanes.
- Added flexibility—with potential trade‑offs: The Business Solutions Mastercard works anywhere Mastercard is accepted, but rebates only apply at BP/Amoco locations, and a non‑BP fee of up to $2 per transaction can offset savings if drivers fuel outside the network frequently.
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BP Pros & Cons
Pros
- Widespread earnify™ acceptance at 95% of U.S. stations
- Easy-to-budget savings tiers ($.03-$.07 per gallon) on legacy programs
- Built-in spending controls to restrict purchases by category or merchant
Cons
- Legacy network gaps in the Western U.S.
- Out-of-network fees (up to $2) on Mastercard
BP Fuel Card Costs
If you're looking at BP’s legacy Business Solutions program, expect a $12 monthly account fee (that covers unlimited cards) and volume-based rebates of up to $.07 per gallon at BP and Amoco. But be careful with the Mastercard version. If your drivers fuel out-of-network, you could see fees of up to $2 per transaction, and those charges can add up fast.
Older contracts have also included risk-based fees for higher-credit accounts and some pretty aggressive late-payment terms. Since BP's pricing has evolved over the years, it’s worth getting an updated fee sheet straight from the source before you commit.
For earnify™fleet, BP and WEX are clear about where the card works and what categories it supports, but not about what it costs. They don’t post a fee schedule publicly, so we recommend asking your rep for a full breakdown in writing of monthly and per-card fees, late charges, and network or processing add-ons.
| Card Option | Startup Fee | Monthly Fee | Late Fee | Discounts/Rebates |
|---|---|---|---|---|
| earnify™fleet* | Not available | Not available | Not available | Rebates at 8,000+ BP‑family locations** (specific rates not available) |
| Business Solutions Fuel Plus | $0 | $10 per account (waived with >5,000 gallons/month) | Greater of $75 or 12.25% of new balance | $.03/gal for 300‑2,999 gals • $.07/gal for 10,000+ gals (at BP/Amoco only) |
| Business Solutions Mastercard | $0 | $12 per account | Greater of $75 or 12.25% of new balance | Up to $.07/gal (at BP/Amoco only) |
*Note: earnify™fleet fees and discount structures are not fully disclosed on public channels as of October 2025. All fees, charges, and rebate details should be confirmed in writing directly with a BP or WEX representative prior to signup.
**Includes BP, Amoco, TA, PetroShoppingCenters, and TA Express
How Much Fuel You Need To Break Even
Each BP fleet card comes with its own monthly fees and rebate levels, so it’s important to run the math ahead of time. Use the quick formulas below to estimate how many gallons you’ll need to buy each month to offset the card’s cost. This can help you decide how many cards to issue and which program makes the most sense based on your fleet’s fueling patterns.
- Fuel Plus at $.03 per gallon rebate: $12 ÷ $.03 = 400 gallons
- Fuel Plus at $.07 per gallon rebate: $12 ÷ $.07 = ~172 gallons
- Business Solutions Mastercard at $.03 per gallon rebate: $12 ÷ $.03 = 400 gallons
- Business Solutions Mastercard at $.07 per gallon rebate: $12 ÷ $.07 = ~172 gallons
- earnify™fleet at $.05 per gallon rebate: $10 ÷ $.05 = 200 gallons
- earnify™fleet at $.08 per gallon rebate: $10 ÷ $.08 = 125 gallons
BP Fuel Card Options
- earnify™fleet: Launched in 2025 through a partnership between BP and WEX, this card runs on both WEX and Mastercard networks for near‑universal acceptance at roughly 95% of U.S. fuel stations. It offers in‑network savings at more than 8,000 BP‑family locations (BP, Amoco, TA, TA Express, and Petro) and supports limited non‑fuel spend tied to fleet operations like tolls and parking. Mastercard usage is restricted to chip‑enabled, vehicle‑related merchants to maintain tighter point‑of‑sale controls, making it the most flexible BP option for nationwide coverage.
- BP Business Solutions Fuel Plus: A simpler, brand‑specific card that works only at BP and Amoco locations. It uses a straightforward published rebate table based on monthly gallon volume, with savings ranging from $.01-$.07 per gallon. This option works best for fleets that already fuel primarily within BP’s East and Midwest footprint.
- BP Business Solutions Mastercard: An open‑loop card that allows drivers to fuel anywhere Mastercard is accepted, but rebates apply only at BP/Amoco stations. An out‑of‑network transaction fee of up to $2 per fuel stop can offset savings if your routes regularly include non‑BP sites.
BP Card Features
WEX + Mastercard Network (earnify™fleet)
The new earnify™fleet card runs on both the WEX and Mastercard networks, offering acceptance at over 95% of U.S. fuel stations. This gives large, nationwide fleets the flexibility to fuel almost anywhere while still capturing in-network savings at more than 8,000 BP-family stations, including TA, TA Express, and Petro.
That dual-rail setup also supports spending at vehicle-related merchants such as parking and tolling providers, making the card useful for both fueling and operational needs — without sacrificing control.
Volume-Based Rebates
BP’s Business Solutions cards offer straightforward per-gallon rebates that increase with volume. Fleets fueling at BP/Amoco stations can earn between $.03–$.07 per gallon depending on monthly volume. These rates are published and predictable, making it easier to model cost savings upfront.
With earnify™fleet, discounts vary by site and brand but can still reach similar or better rates at TA/Petro and BP locations, depending on your fueling footprint.
Dual-Chip Security (earnify™fleet)
BP’s earnify™fleet card includes dual-chip functionality that enhances point-of-sale security and helps prevent misuse. Only chip-enabled terminals that fall within designated vehicle-related merchant categories can process transactions, reducing the risk of fraud or off-policy purchases.
This feature adds an extra layer of control without requiring constant manual oversight by fleet managers.
Granular Spend Controls
All BP-branded cards include configurable spend controls, including limits by product type, time of day, day of week, dollar amount, and location. Managers can apply these rules by card or driver and adjust them in real time via the dashboard or mobile portal.
Earnify™fleet adds broader support for EV-adjacent categories and remote card disablement, giving large fleets the tools they need to manage usage across a wider operational footprint.
Line-Item Reporting and Digital Tools
BP’s platforms support line-item reporting by merchant, driver, product, and location — allowing for detailed cost analysis and IFTA-friendly recordkeeping. Both earnify™fleet and Business Solutions include access to mobile apps that help drivers locate in-network stations and managers oversee activity.
This visibility makes it easier to identify out-of-network purchases or compliance issues, which can impact fuel tax reporting and rebate efficiency.
Should You Use BP Cards?
BP’s fleet cards may be a good match for a variety of fleet structures and fueling patterns, especially when in-network savings and brand alignment matter:
- National fleets seeking one BP-branded solution: Earnify provides broad acceptance, in-network savings across BP, Amoco, TA, TA Express, and Petro, and supports parking, tolls, and EV charging for mixed fleets.
- Regional fleets already fueling at BP/Amoco (East and Midwest): Fuel Plus offers a simple $.03–$.07 per gallon table and familiar controls and reporting that suit predictable regional routes.
- Fleets that fuel regularly at TA/Petro: Earnify’s network discounts extend beyond BP/Amoco to TA-family stations, which is a solid match for heavy-duty fleets with preferred stopovers.
- Mixed fuel or hybrid fleets: Earnify supports EV-adjacent spend like parking, tolling, and charging, making it flexible for fleets with diverse vehicle types and evolving fueling needs.
Things To Do Before You Sign Up
- Verify whether your quote is for earnify™fleet (WEX + Mastercard) or the legacy Business Solutions program. The networks, fees, and rules differ in important ways.
- Confirm which in-network stations align with your routes. For earnify, that includes 8,000+ BP-family sites like BP, Amoco, TA, TA Express, and Petro. For Fuel Plus, ensure your lanes consistently pass BP/Amoco locations to benefit from posted rebates.
- Request a fee table in writing. Ask for a complete breakdown of monthly or per-card fees, any out-of-network charges, late or returned-payment fees, and risk-based surcharges. Legacy terms reference up to a $2 out-of-network fee and potential 2% high-risk charges.
- Check what control features and data tools are available for your card type. On legacy cards, enable driver ID and odometer prompts. With earnify, use chip and category controls — and if you run EVs, verify charging eligibility and settlement support in your operating regions.
FAQ
How does BP support large fleets operating nationwide?
The earnify™fleet card runs on both the WEX and Mastercard networks, offering coverage at roughly 95% of U.S. fuel stations. That makes it easier for large fleets with dispersed routes to keep drivers in-network and capture brand-based rebates at more than 8,000 BP-family stations.
Is there a limit to how many cards can be issued under one BP fleet account?
There’s no published cap, and most large fleets can request as many cards as needed. However, some programs (like earnify) may have tiered fee schedules or different onboarding processes for high-volume accounts, so check with your sales rep.
Are BP cards compatible with fleet management systems?
BP cards integrate with WEX data tools and most accounting and telematics systems used by large carriers. These integrations allow transaction-level visibility, automated IFTA reporting, and cleaner expense tracking across multiple terminals and vehicles.
Can drivers use earnify™fleet cards at truck stops outside the BP-family network?
Yes. Earnify runs on the WEX + Mastercard rails, giving it near-universal acceptance. However, fuel discounts only apply at BP-family locations like BP, Amoco, TA, TA Express, and Petro.
Are EV charging costs eligible for rebates?
No. Even though earnify supports certain EV-adjacent categories, the fuel rebate applies only to in-network liquid fuel purchases — not electricity. Acceptance may also vary by charging network and merchant category code.
