Looking for fuel cards for truckers with no credit checks? The OTR Fuel Card is our top choice for trucking businesses that want easier approval, simple expense tracking, and potential fuel discounts, without relying on personal or business credit scores.
7 Best Trucking Business Fuel Cards Without Credit Checks
- Best Overall fuel card with no credit check: OTR
- Best for Building Business Credit: AtoB Unlimited
- Best for Small Businesses: Bento for Business
- Best Zero-Fee Fuel Card: Roadflex Fuel Card
- Best for Owner-Operators: RTS Titan Fuel Card
- Best for Growing Fleets: PEX Fleet Card
- Most Secure Spending: Brinks Business Expense
Why You Can Trust FreightWaves Checkpoint
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.
OTR Fuel Card
- Best for: Truckers who want a fuel card with no credit check and straightforward spending controls
- Add authorized users: Yes (admins can set per-driver spending limits and product restrictions)
The OTR Fuel Card does not require a credit check and is accepted at more than 8,000 stations nationwide, with exclusive discounts at 3,000-plus in-network locations. In-network swipes carry $0 transaction fees, and OTR advertises average savings of about $0.50 per gallon. You also get tools in the OTR Mobile App (including Fuel Finder) and fleet controls such as real-time transaction visibility, spend alerts, and configurable driver limits.
Fees
- In-network transactions have no fees.
- Applications do not require a credit check.
- OTR advertises no hidden fees.
- There are no monthly minimums to keep the account active.
Discounts
- Average savings are around $0.50 per gallon, depending on market conditions and location.
- Exclusive in-network pricing is available at more than 3,000 participating truck stops.
- Members also see advertised savings on maintenance, tires, and roadside services through partner offers.
Special Features
- Fuel Finder in the OTR Mobile App helps you locate in-network stops and compare diesel prices along your route.
- Funding options include prepaid loading or a fuel credit line when eligible.
- Real-time spend tracking, transaction visibility, and customizable driver limits help prevent misuse.
- An in-house support team handles onboarding, card issues, and account questions.
- Nationwide acceptance at more than 8,000 fuel stations provides broad routing flexibility.
Pros & Cons
Pros
- No credit check at signup.
- $0 in-network transaction fees reduce per-swipe costs.
- Accepted at 8,000+ locations nationwide (per OTR).
- Robust controls, including per-driver limits and real-time tracking, are highlighted on the program page.
Cons
- Public fee details are limited; you may need to speak with sales for a complete schedule.
AtoB Unlimited
- Best for: Building business credit
- Add authorized users: Yes
The AtoB Unlimited prepaid fuel card can help trucking companies save money on fuel and help build their business credit. The AtoB spend management system makes tracking digital receipts by card, location, and driver level easy to create custom reports. This fuel card is also convenient for drivers, since it is accepted at any fueling station that takes Visa.
Fees
- $25 account set-up fee
- $3 monthly fee per active card
Discounts
- $0.03 per gallon for the first three months
- Up to $0.25 off per gallon with the AtoB Driver App
Special Features
- Telematics integration
- Detailed transaction logs and reports
- Anti-fraud and security measures
- Accounting and IFTA support
Pros & Cons
Pros
- Secure card unlock
- 24/7 customer support
- Real-time notifications for suspicious transactions
- Quick and easy sign-up process
Cons
- Additional fee per card
- Non-transparent late fees
Bento for Business
- Best for: Small businesses
- Add authorized users: Yes (up to 10)/li>
Bento for Business is a prepaid business debit card that provides the flexibility small businesses need in a fuel card. With Bento, it’s easy to set spending limitations and control company finances with a click. Managers can use these Visa debit cards exclusively as fuel cards or allow employees permission to spend elsewhere. All spending data is automatically updated in the Bento dashboard for easy accounting.
Fees
- $29 monthly fee
Discounts
- None
Special Features
- Two-month free trial
- QuickBooks integration
- Accepted everywhere that takes Visa
- Flexible use cards
Pros & Cons
Pros
- Integrated dashboard reporting
- Auto spending categorization
- Virtual debit cards
- Bento On The Go mobile app
Cons
- No fuel discounts
- Slow customer service
Roadflex Fuel Card
- Best for: No fees
- Add authorized users: Yes
The Roadflex zero-fee fuel card is an excellent choice for growing fleets. Unlike other fuel cards that do not require a credit check, Roadflex doesn’t require prepayment. Rather businesses can pay their balances with Net-7 weekly billing periods. You can also use Roadflex fuel cards to pay for other fleet expenses, including tires, maintenance, and insurance.
Fees
- None
Discounts
- $0.05 per gallon everywhere (no limits)
Special Features
- Connects to your ELD
- No limit on discounted gallons
- No monthly, transaction, transfer, over-limit, or set-up fees
- Helps build commercial credit
Pros & Cons
Pros
- Accepted at all fuel stations that take Visa
- Spend management platform with live alerts
- Connects to a business’s bank account for automated payments
- Flexible spending limits
Cons
- Requires weekly payments
- Few customer reviews
RTS Titan Fuel Card
- Best for: Owner-operators
- Add authorized users: Yes
The RTS Titan is the no-credit-check version of RTS’s Fleet One card. Owner-operators who often refuel at Pilot Flying J locations enjoy this fleet card with discounts. While this card is limited on where you can use it, the discounts compensate for this limitation for drivers in the Pilot Flying J Travel Center network and the One0 Fuel Network.
Fees
- No annual fees or contract
Discounts
- $0.12 per gallon at over 2,000 fuel stations
- Point-of-sale discounts at Pilot Flying J locations
Special Features
- RTS Moblie Pro app
- Integrates with fleet management software
- Upgrade opportunities
- Fuel tax software discounts
Pros & Cons
Pros
- Weekly repayment terms
- Great app for finding low fuel prices en route
- Loyalty rewards program
- Fuel and factoring bundles available
Cons
- Small network
- Fewer benefits than the Fleet One card
PEX Fleet Card
- Best for: Growing fleets
- Add authorized users: Yes, unlimited
PEX is a scalable business spend management solution offering the visibility and control necessary for fuel cards. As a prepaid business debit card, this fuel card option does not require a credit check and makes it easy to manage employee spending. Additionally, the PEX platform integrates with QuickBooks and Google drive for automated administration.
Fees
- No bank transfer fees
Discounts
- None
Special Features
- Fund and top-up cards instantly
- Issue and cancel cards through the online platform
- Real-time transaction reports
- Integrates with all common accounting software
Pros & Cons
Pros
- Prepaid card avoids multiple payments throughout the month
- Digital spending controls
- Mobile receipt capture and funds request
- 24/7 customer support
Cons
- No fuel discounts
- Reports of compromised cards
Brinks Business Expense
- Best for: Secure spending
- Add authorized users: Yes (unlimited)
Winner of the 2019 Innovative Payments Association Fraud Fighter Award, Brinks Business Expense is an employee spending solution with security you can count on. With this card, you can pre-pay employee expenses such as fuel on your terms. Through the easy-to-use platform, business owners can set spending limits and purchase categories, turn any card on or off instantly, and order new cards in seconds.
Fees
- Tiered pricing
- Business owner card + one employee card = Free
- Business owner card + up to nine employee cards = $29 per month
- Business owner card + up to 24 employee cards = $69 per month
- Business owner card + unlimited employee cards = $149 per month
Discounts
- None
Special Features
- Free 60-day trial
- Custom two-way alerts
- Interactive spending platform
- Full remote spending control
Pros & Cons
Pros
- Automated monthly statement
- Easy reporting and integration with QuickBooks
- Tracks all cards and transactions to analyze spending trends
- On-the-go receipt upload
Cons
- No fuel discounts
- Lower approval chance
Is a No-Credit-Check Fuel Card Right for Your Trucking Business?
A no-credit-check fuel card allows drivers to purchase fuel without undergoing a credit check. It’s often prepaid or secured by a deposit. Ideal for businesses with poor credit, alternative solutions like these make managing fuel expenses easier. However, they may lack some benefits of traditional fuel cards, like detailed reporting.
A no-credit-check trucking fuel card is ideal for:
- New trucking businesses: Lacking a credit history, these companies find traditional credit-based fuel cards hard to secure.
- Businesses with poor credit:: Companies with low credit scores may not qualify for conventional fuel cards, and thus seek out trucker gas cards for bad credit.
- Owner-operators: Independent truckers may prefer these small business fuel cards for simplified expense tracking without credit scrutiny.
- Seasonal operations: Businesses with fluctuating income can benefit from the straightforward prepayment structure.
- Companies seeking control: These easy gas credit cards help limit unauthorized spending, as they can only be used for fuel purchases.
How Do No-Credit-Check Fuel Cards Work?
For trucking businesses, a no-credit-check gas card allows drivers to buy diesel by pre-loading money onto the card in advance. As drivers refuel, the amount is deducted from the card’s balance. This setup is often paired with a mobile app or online portal for real-time tracking of fuel expenditures.
Easy-approval business gas cards aid in budgeting and limits unauthorized purchases, as the card is only used for fuel. While it may not offer robust reporting or rewards, it’s a simplified fuel management solution for trucking companies with poor credit. You simply reload the card when funds run low.
How To Get a Fuel Card Without a Credit Check
Trucking fleet owners and owner operators can get no credit check gas cards by filling out a credit application with the fuel card provider. Basic company information and identification are required, but credit history isn’t scrutinized. A deposit or prepayment is often needed to activate the trucking fuel card.
Some providers might request business documents like EIN or proof of insurance. Once approved, the company receives the cards, which can be distributed to drivers. Through a management portal, the company can load funds onto the card, track spending, and reload as needed. The approval process is usually quick, making it accessible for businesses needing bad credit gas cards.
Here are the steps to guide you through the application and management process:
- Research providers. Look for companies offering no credit check fuel cards tailored for trucking businesses.
- Check requirements. Understand which documents and information are needed for the application.
- Apply. Complete the application, which usually requires basic business details and identification but not a credit check.
- Make a deposit. Pay the initial deposit or prepayment to activate the card, if required.
- Submit necessary documents. Provide any additional required documents like EIN or insurance proof, if needed.
- Receive your cards. Once approved, you’ll get the physical card(s) via mail or digital cards online.
- Distribute cards to drivers. Hand out cards to truck drivers along with guidelines on usage.
- Load funds. Add money onto the card using the provider’s management portal.
- Track spending. Use the portal or app to monitor fuel purchases in real-time.
- Reload as needed. Add more funds to the card when the balance runs low.
What To Look for in No-Credit-Check Fuel Cards
- Accepted locations: Check where the card is accepted. A wider network means more flexibility on routes.
- Fees: Look for any hidden fees like maintenance or transaction charges, which can add up.
- Reload options: Check how easy it is to reload the card. Options may include online portals, phone, or direct deposit.
- Spending limits: Some cards allow you to set daily or weekly spending limits for better control.
- Security features: Find out if the card comes with security measures like PIN protection or fraud alerts.
- Reporting: Even if advanced features are not available, basic reporting can help with expense tracking.
- Customer support: Reliable customer service is essential for resolving issues and providing assistance.
- Additional perks: Though rare, some no credit check fuel cards might offer basic rewards or discounts.
- Contract terms: Verify if there’s a long-term commitment or if the card offers a pay-as-you-go option.
- Reviews: Read customer reviews or seek peer recommendations to gauge the card’s reliability and performance.
FAQ
How do credit scores impact access to fuel cards?
Did you know that most fuel cards are also credit cards? These gas cards offer businesses a line of credit to pay for fuel costs in exchange for discounts and other incentives. Truckers with low credit scores are less likely to get approved by these fuel card companies because a credit check is part of the approval process.
If you’re concerned about your credit score and still want fuel cards for your trucking business, the best options are fuel cards with no credit check. These gas cards are typically prepaid or low-balance options that present less risk for the card issuing company.
What is the easiest fuel card to get with bad credit?
The easiest fuel cards to get with bad credit are prepaid and fuel debit cards since they do not require a credit check.
Do fuel cards require a credit check?
Most fuel cards are credit cards and require a credit check. However, some fuel cards, such as fuel debit cards, are available with no credit check.
What is the lowest credit score for a gas card?
A few fuel cards do not require a credit check, which is great if you have bad or no credit.
Does a fuel card build business credit?
Yes, a fuel card can help build business credit if it reports to business credit bureaus. Make timely payments to positively impact your credit score.
Can you get a gas card with bad credit?
Yes, you can get approved for a gas card with bad credit. Look for cards specifically aimed at those with poor credit histories.
