Comparing Fuel Cards: Your Quick Start Guide

For business owners, keeping fuel costs under control is a constant challenge. Whether you manage one van or a growing fleet, a business fuel card can help cut costs and reduce admin. But with so many options, finding the right one can feel like a hassle.

At Expert Compare, we make business decisions simpler. This guide shows you what to look for when comparing fuel cards and how to choose the right one for your business.

Do You Need a Fuel Card?

Before you look at different providers, it is important to decide if a fuel card suits your business.

If your business vehicles are on the road often, a fuel card can save money and help track fuel spending. It also makes managing expenses easier by giving you a clear record of purchases, which can be particularly beneficial for self-employed workers and those operating within the gig economy.

On the other hand, if you only use one vehicle for local trips, you may not see much benefit from a fuel card.

Types of Fuel Cards

Fixed Price Cards

A fixed price card lets you pay the same fuel price at every station in the card’s network. This gives you more control over fuel budgets and protects you from sudden price increases.

Pump Price Cards

With a pump price card, you pay the cost displayed at the pump. These cards often give you access to more fuel stations, offering greater convenience for businesses on the move.

Branded and Non-Branded Cards

Branded cards are linked to fuel suppliers like Shell, BP, Esso or the Allstar One Fuel Card. They are useful if your vehicles always use the same fuel stations. Non-branded cards or supermarket cards provide wider coverage, which can be better for businesses that need more flexible refuelling options.

Coverage Options

Local Coverage

For businesses that operate in one area, a local fuel card might be all you need. Make sure to check how many fuel stations in your area accept the card.

Regional Coverage

If your work takes you across a larger region, choose a card with strong regional coverage. This helps your drivers refuel easily without going out of their way.

National Coverage

Businesses with vehicles travelling across the UK should choose a fuel card accepted at stations nationwide, such as the Allstar One Fuel Card. This saves time and avoids long detours for refuelling.

Fleet Size and Fuel Types

Consider how many vehicles you manage. Even if you only run a few, a fuel card can help control costs. For example, even self-employed workers and those in the gig economy can benefit from a fuel card to help control costs. As part of a thorough comparison of fuel cards, also think about what fuel your vehicles use. Some cards are designed for diesel, others for petrol, while some support both. Some cards also allow approved purchases like food or overnight stays, which is a great benefit for traveling staff.

Managing Spending and Controls

Fuel cards offer spending controls that help manage costs. You can set limits so cards can only be used for fuel. Some cards also allow approved purchases like food or overnight stays, which is useful for businesses with travelling staff.

Extra Features to Consider

Many fuel cards offer more than just fuel savings. You might find benefits such as:

• Breakdown assistance
• Online account management
• Easier VAT reclaim

While these extras can add value, make sure they fit your business needs.

Be Aware of Hidden Fees

When comparing fuel cards, look beyond fuel prices. Some providers charge fees for administration, late payments or card protection. Always check the full list of fees to understand the real cost of the card.

Saving Time on Admin

Fuel cards make managing expenses easier. Instead of collecting and sorting paper receipts, you get a single, clear invoice each month. This helps with tax returns and VAT claims, saving your business time.

Review Your Fuel Card Regularly

As your business grows, your fuel needs may change. Review your fuel card regularly to make sure it still offers the best deal. To ensure you're getting the most value, consider how to compare fuel cards as your business evolves. Switching providers is easier than many think and could bring new savings.

Compare Fuel Cards with Expert Compare

Finding the right fuel card does not have to be difficult. At Expert Compare, we help business owners compare fuel cards quickly and easily. Get quotes from trusted UK providers and find the best deal for your business.