AtoB vs Mudflap vs RTS: Fuel Cards for Owner-Operators in 2026

Provider savings claims are not guaranteed. Discounts change by station, route, fuel type, volume, market conditions, and account terms.

AtoB separates its primary products by funding model. AtoB Unlimited is prepaid: the carrier loads money before spending. AtoB Flex is a credit product paid after the billing period, with the credit line set through underwriting. AtoB's official comparison lists a $35 setup fee, $3 per active card each month for Unlimited, and $15 per month for one to five Flex cards. The optional Premium package adds $3 per card monthly.

Both products can be used where Visa is accepted and include spend limits, IFTA reporting, and accounting exports. AtoB advertises average network discounts of 42 cents per gallon on truck diesel, based on its customer transactions at partner truck stops during the second half of 2025. That is historical network performance—not a promise that a Texas-to-Midwest route will receive that discount at every stop.

For a new authority with tight cash flow, compare the certainty of prepaid funding with the cost and payment discipline of Flex. Read the current AtoB fuel-card pricing and features before applying because billing terms and fees can change.

Mudflap states that its fuel card has no annual, monthly, per-card, subscription, or interest charge. Its public page says the card works for fuel anywhere Visa is accepted, gives the displayed Mudflap price at more than 3,600 partner stops, and provides a 2-cent-per-gallon discount outside the partner network.

“No monthly fee” does not mean every possible account event is free. Mudflap discloses that fees may apply to returned payments, late payments, and payments made by methods other than ACH. The card is also subject to credit approval. Eligible applicants include sole proprietors and U.S. businesses formed as LLCs or corporations with an EIN; owners must provide identity and address information.

Mudflap says its underwriting considers business financial standing, financial history, credit scores, and on-time payments. Review the current Mudflap card page and the linked Business Charge Card Agreement—not just the marketing summary—before accepting an account.

RTS presents three fuel-card paths. Fleet One is its popular credit option and advertises lines up to $3,200 per truck per week. Self-Funded lets a carrier upload money using debit or credit, and Total Fleet is positioned for larger operations. The RTS app provides route-based station search, spending limits, Card Lock, and maintenance-location information.

RTS advertises an average discount of 45 cents per gallon at more than 4,000 fuel stations and zero monthly fees. Its FAQ also makes an important limitation clear: the discount requires an RTS Plus network location and use of the card at the pump; there is no discount out of network. The complete fee schedule and final account terms are not published on the main fuel-card pages, so a written quote is required for a responsible cost comparison.

RTS also markets better fuel savings when fuel and factoring are bundled. Evaluate each service separately before bundling: a fuel discount should not distract from factoring rates, contract length, notice requirements, reserve terms, or termination costs. Start with the official RTS fuel-card overview and RTS FAQ.

A headline discount is meaningless if the discounted stop is far off route or its starting price is higher. Pull seven recent trips from your dispatch records and compare the exact in-app pump price available when and where you would normally fuel.

1. 1

   Mark real fuel windows: Use your actual lanes, remaining range, delivery appointments, and safe parking needs.

2. 2

   Record the final price: Capture the card's discounted price, not merely “cents off retail.”

3. 3

   Price the detour: Multiply added round-trip miles by your truck's operating cost per mile and add driver time.

4. 4

   Add every fee: Include setup, monthly, per-card, funding, transaction, out-of-network, late, and returned-payment charges that could apply.

5. 5

   Check cash timing: Confirm when ACH is drafted, how weekends and holidays are handled, and what happens if the bank balance is short.

6. 6

   Compare controls: Test card lock, purchase limits, alerts, receipt capture, and IFTA exports before trusting them in daily operations.

AtoB Unlimited may fit a carrier that wants published pricing, broad card acceptance, and prepaid control. AtoB Flex may be worth comparing when a carrier qualifies for credit and can manage the billing cycle. Mudflap may appeal to a small fleet seeking no recurring card fee and Visa acceptance, provided its real route prices and charge-card terms work. RTS may fit a long-haul trucking operation whose lanes regularly cross its discounted network, especially when the carrier wants a self-funded alternative—but only after reviewing a written fee schedule.

There is no universal winner. A one-truck Austin carrier running Texas, Oklahoma, and regional freight may reach a different result than a fleet running national lanes. Keep a backup payment method, monitor weekly fuel cost per mile, and repeat the test when lanes or provider terms change.