Roundup · underwriting, fees and discount claims, quoted

What each fuel card says about credit checks

Six cards, four ways to decide your credit. Where a vendor writes down what the no-credit route costs, we do the arithmetic; where it does not, we say so.

The short answer

On 19 October 2026, OTR Solutions said its fuel card needs no credit checks, AtoB said its credit application does not require a hard credit check, RTS said its Self-Funded card carries the same discounts regardless of credit score, and Mudflap said its card is subject to credit approval. Comdata ties its best discounts to factoring and fleets under 21 trucks. This page describes what each vendor states; it is not advice on which credit product to take.

How each card decides your creditvendor statements read 2026-10-19
How each fuel card decides whether a new owner-operator gets credit, in the vendor's own terms.New owner-operator appliesCredit approvalSSN, DOB, US addressNo hard credit checkcredit if you qualifyBacked by factoringyour invoicesPrepaid or self-fundedyour own moneyMudflapsubject to creditapprovalAtoBCEP if not qualified:$75 + up to 30c/galComdata Max, OTRMax: factoring andfewer than 21 trucksRTS Self-FundedOTR prepaidany credit score
Each branch is the vendor's own description of its card. A card can sit on two branches: OTR Solutions offers both prepaid and factoring-backed credit.

Fuel card underwriting, as each vendor states it

CardCredit and underwriting, quotedFees, quoted
AtoB"Credit application is fast and simple and does not require a hard credit check."Flex: $15 a month for 1 to 5 cards, then $3 per active card; setup $35 one-time (fee schedule, last updated 2024-10-16).
Mudflap"All cards are subject to credit approval." Owners supply a U.S. address, date of birth and Social Security number."No activation, monthly, annual, per card, per swipe or even out-of-network fees."
EFS Fleet One EDGENot stated on the card page."No fuel transaction fees at 4,000+ in-network sites"; an out-of-network fee may apply.
ComdataMax discounts conditional on "Active enrollment in factoring" and "Fleet size of less than 21Trucks".Simple Saver: "$0 truck-stop fee", "$0 monthly account fee".
RTS"Whether you have good credit or no credit, RTS has a fuel card for you." Self-Funded: discounts "regardless of credit score".No fee figure published on the card page.
OTR Solutions"No credit checks required"; weekly credit lines "starting at $1,000"; prepaid or credit."$0 In-Network Transaction Fees".

What the no-credit route costs, where a vendor prices it

AtoB's fee schedule describes a Credit Enablement Program that "allows customers to be on credit who would not have qualified for credit without it", with a $75 one-time setup fee and a surcharge of up to 30 cents per gallon for a fixed duration. The same surcharge can apply to Flex customers who have missed payments. No other card on this page publishes the price of its route for carriers without credit; RTS and OTR Solutions answer it differently, with prepaid and self-funded cards that need no credit at all: you load your own cash up front, and neither page lists a surcharge for it.

AtoB credit enablement surcharge at the maximum ratearithmetic on the fee schedule: gallons x $0.30
500 gal / month: up to $150; 1,000 gal / month: up to $300; 2,000 gal / month: up to $600500 gal / monthup to $1501,000 gal / monthup to $3002,000 gal / monthup to $600
Up to 30 cents per gallon is AtoB's stated maximum, "for a fixed duration of time"; the actual rate and duration are set per customer. Gallon volumes are examples, not usage data. Add the $75 one-time setup fee.

Fuel card fees, side by side

Mudflap lists the fees it does not charge: no activation, monthly, annual, per card, per swipe or out-of-network fees, with returned and late payment fees still applying. AtoB publishes a full schedule, including a late payment penalty of up to 9% or $99, whichever is greater. EFS and OTR Solutions state $0 in-network transaction fees; Comdata's Simple Saver states no truck-stop or monthly account fee.

$0Mudflap monthly or per-card fee
$15AtoB Flex, per month for 1 to 5 cards
$35AtoB account setup, one-time
$75AtoB credit enablement setup

Fuel card discounts are claims, not prices

Discount per gallon, as each vendor claims itcents per gallon · read 2026-10-19
AtoB: 42c avg; RTS: 45c avg; OTR Solutions: 50c avg; Comdata Simple Saver: up to 25c; Mudflap: up to $1.00AtoBaverage, claimed42c avgRTSaverage, claimed45c avgOTR Solutionsaverage, claimed50c avgComdata Simple Saverup to, TA/Petro dieselup to 25cMudflapup to, claimedup to $1.00
Averages and "up to" figures are not the same kind of number, and none is a price you are guaranteed. AtoB also says "up to $2.00 per gallon"; Comdata Max claims up to 50 cents at TA. Each depends on where you fuel.

Treat every figure here as the vendor's marketing claim with its conditions attached. The useful comparison is the network: a discount only exists at the stations you actually pass.

Fuel cards tied to factoring, and what that commits you to

Comdata Max, OTR Solutions and RTS all pair the card with factoring. Comdata states it outright: Max discounts need active factoring enrollment and a fleet under 21 trucks. OTR Solutions says bundling its card with factoring cuts your factoring rate. The card becomes part of a factoring relationship, so read what the factoring agreement actually covers on our factoring page before the fuel discount decides it.

If you have no business credit yetPrepaid: RTS Self-Funded or OTR prepaid

Both are described as available regardless of credit; you load your own money and carry no surcharge.

If you want credit without a hard checkAtoB, with the fee schedule open

AtoB says no hard credit check; if you land in its Credit Enablement Program, the $75 and up to 30c a gallon are written down.

If you already factor your invoicesComdata Max or OTR Solutions

Their best discounts or credit lines assume factoring; under 21 trucks for Comdata Max.

If you want the fewest feesMudflap

It lists no activation, monthly, per-card or out-of-network fees, subject to credit approval.

Questions to ask before you apply for a fuel card
FUEL CARD APPLICATION CHECK
Card ______
1. Hard credit check, soft check, or none? ______
2. Personal guarantee or SSN required? ______
3. Credit line, and how is it set? ______
4. Any surcharge per gallon? Rate ______ For how long ______
5. Monthly, per-card, setup and late fees: ______
6. Is the discount tied to factoring? ______
7. Which stations on my lanes give the discount? ______
Sources: each vendor's own page, read 2026-10-19.

What each vendor's own page says, dated

  • AtoB. The AtoB fee schedule prices a Credit Enablement Program for carriers who would not otherwise qualify for credit at a 75 dollar one-time setup fee plus a surcharge of up to 30 cents per gallon for a fixed time. Source, read 2026-10-19.
  • Mudflap. Mudflap says its fuel card is subject to credit approval and that owners supply a U.S. address, date of birth and Social Security number to apply. Source, read 2026-10-19.
  • EFS. EFS says its Fleet One EDGE card charges no fuel transaction fees at 4,000 plus in-network sites and that an out-of-network fee may apply elsewhere. Source, read 2026-10-19.
  • Comdata. Comdata conditions the discounts on its Comdata Max card on active enrollment in factoring and a fleet of fewer than 21 trucks. Source, read 2026-10-19.
  • RTS. RTS offers a Self-Funded fuel card it says carries the same discounts regardless of credit score, and a Fleet One card with credit lines up to 3,200 dollars per truck per week. Source, read 2026-10-19.
  • OTR Solutions. OTR Solutions says its fuel card requires no credit checks, charges 0 dollars in in-network transaction fees and offers weekly credit lines starting at 1,000 dollars. Source, read 2026-10-19.

Questions

Which fuel cards do not require a credit check?
OTR Solutions says its fuel card requires no credit checks and offers prepaid or credit options. RTS offers a Self-Funded card it says carries the same discounts regardless of credit score. AtoB says its credit application does not require a hard credit check. Read 19 October 2026.
Can a new trucking company get a fuel card?
Several cards describe a route for carriers without credit: prepaid or self-funded cards (RTS, OTR Solutions), factoring-backed credit (OTR Solutions, Comdata Max), and AtoB's Credit Enablement Program, which its fee schedule prices at a $75 setup fee and a surcharge of up to 30 cents per gallon.
Do I need a Social Security number for a Mudflap card?
Mudflap's FAQ says owners supply a valid U.S. address, date of birth and Social Security number, and that all cards are subject to credit approval.
Do fuel card discounts mean I will save that much?
No. The discounts on this page are each vendor's claim, usually an average or an "up to" figure, and they depend on where you fuel. AtoB says 42 cents on average, RTS an average of 45 cents, OTR Solutions $0.50 a gallon on average.
Is a fuel card tied to factoring a good idea?
It is a commitment, not just a card. Comdata conditions its Max discounts on active factoring enrollment and fewer than 21 trucks, and OTR Solutions and RTS both sell factoring. Read what the factoring agreement covers first on our factoring page.

Sources and method

Prices and statements were read from each vendor's own page on 19 October 2026 and are quoted as published; where a vendor publishes no price we say so, and where a vendor's page did not serve a figure to our reader that day we print the last date we could read it. We did not buy, install or run any of these devices or services for this page. Compiled and verified by Vincent Wesley Couey. Underwriting and discount statements are quoted from each vendor; we have not applied for any card. This page describes credit products and gives no credit advice.

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