What Are the Cheapest Fuel Cards?

Fuel Gauge

There's good news and bad news when it comes to fuel card costs. We'll start with the bad news – no fuel card providers are particularly transparent when it comes to their pricing. This is largely because the pricing can range based on various factors, like contract length and fuel consumption.

The good news is that no fuel card is going to be exorbitantly expensive. Even if you tally up the highest costs in every way possible, you won't find yourself spending more than £100 per year at the absolute most, and that's before factoring in the discounts you'll get on fuel.

If you would like to know the pricing specifics, however, you can always get some free quotes that have been tailored to your business. By filling out your business' information in our quote comparison tool, you'll be given zero-commitment price quotes directly from the fuel card suppliers themselves.

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fuelGenie Fuel Card


UK Fuels Fleetone

Shell CRT Fuel Card

Esso (Free Now)

Best for

Small budgets

Best for

Standard fuelling needs

Best for

Network size

Best for

Large discounts

Best for

Free Now drivers


1,350 supermarkets


3,400 sites


4,100 stations


1,000+ Shell stations


Over 3,400 fuel stations

What Are the Cheapest Fuel Cards?

There are a good few fuel cards on the market, and while none of them are ridiculously pricey, some are definitely cheaper than others. However, as mentioned, none of these businesses are particularly open with their pricing, so it takes a good amount of research to get even vague price ranges.

We looked at:

  • Annual fees
  • Invoice request fees
  • Account fees
  • Minimum usage fee
  • Other potential charges

Here are the five cheapest cards that we found:

  • fuelGenie
  • BP Plus
  • UK Fuels Fleetone
  • Shell Fleet App
  • Esso (for Free Now drivers)

fuelGenie – Best for small budgets

FuelGenie offers a completely free fuel card – a noteworthy concept, even in an industry as affordable as fuel cards. Because it's free, you don't stand to save an absolute tonne on fuel, with an average saving of only 3p per litre. But if you're a smaller business with only a handful of vehicles in your fleet, this might be a good pick for you.

Despite it being free, fuelGenie still offers the classic features found in most fuel cards, like HMRC-compliant receipts, fuel consumption reports, and a software dashboard where you can compile and view all this information.

BP Plus – Best for standard fuelling needs

BP Plus is BP's cheapest fuel card. Like all BP cards, there is no initial cost for the primary card, with the costs only kicking in as you amass more cards. Pricing isn't firm, as the cost varies based on the size of your fleet and the needs of your vehicles, but overall, the BP Plus is the most affordable BP option.

As for what you get out of it, you'll have access to over 3,400 sites, including 1,200 BP sites and 2,200 partner stations (Texaco, Gulf, Esso). This card specifically offers an average saving of 4p per litre, which is not bad for a lower-tiered card, and like all fuel cards, offers data and reports on your fuel's activity and efficiency.

Eager to save money on your fleet's fuel consumption?

UK Fuels Fleetone – Best for network size

Fuel costs are pretty high at the moment, so you'd want a considerable discount in order to offset some of this inflation. UK Fuels' Fleetone card is primed to help out, guaranteeing a discount of up to 10p per litre, which is a much larger discount than any other card on this list. The price of this card is likely going to be higher than anything on this list, but the savings you make might offset it, especially if you own a larger fleet.

This card also claims to have access to the UK's largest independent fuel card network, being accepted at over 4,100 fuel stations. This means it's accepted at roughly 80% of supermarket stations and 70% of motorway fuel stations. And you'll be able to access UK Fuels' online account management portal, giving you crucial insight on your drivers' activity and fuel costs.

Shell CRT Fuel Card – Best for large discounts

Just like BP's Plus card, Shell's CRT card is its cheapest option. It has an average monthly card fee of £1.67, though this will depend on your fleet size and behaviour. You'll also need a minimum spend of £350, which might sound like a lot, but if you've got even a medium-sized fleet that's semi-active, you'll hit this in no time. And with savings up to 10p per litre, you'll make a considerable dent in your fuel costs.

Much like the other cards on this list, you'll have access to a vast network of Shell stations (1,000+ in the UK alone), and data reports on your fleet's activity.

Esso (for Free Now drivers) – Best for Free Now drivers

Rounding out our five, we have a more niche choice that still warrants conversation. Esso has partnered with Free Now, a taxi company created when “Hailo” merged with “mytaxi.”

While an Esso card usually carries an initial cost of £36, Free Now's partnership with Esso offers a free card for drivers. This free card offers an average saving of 4p per litre of fuel at over 3,400 sites across the UK, including BP, Esso, and Shell stations.

What Is the Best Fuel Card Without Fees?

fuelGenie is the only fuel card we found that claims to be entirely free. In their own words:

Unlike most other providers, our fuel cards are free to get, free to use and, what’s more, there are no surcharges or minimum spends. You simply pay the pump price for the fuel that your business uses and you’ll receive a single easy-to-use invoice, showing all the transactions made on your fuelGenie account. And it’s not just free for the first year, it’s free all the time!

The savings aren't immense, as you'd expect, averaging only 3p savings per litre. And these seem to be exclusively at supermarket pumping stations, like Tesco, Morrisons, and Sainsbury's. However, since it's as free as it is, you can't really complain too much about a lack of savings!

What Are Fuel Cards' Hidden Fees and Ongoing Costs?

While each fuel card supplier is different, there are some common costs that you might encounter. These may come in the form of:

  • Name change fee: The cost of changing the cardholder's name while keeping the same account
  • Surcharges: Some fuel cards may help with things like ferries and toll roads, but this may come in the form of an additional fee
  • Provider-switching fee: You may need to pay to switch your provider
  • Application fee: You might have to pay for your application for your card, though this is very rare
  • Network fee: For each transaction you make with your fuel card, you may be charged a nominal network fee

There's no firm price on any of these across any of the providers discussed here, and it's possible that you might not need to worry about them at all. But even on the slight chance that they do appear, you'll have been made well aware of them by your provider.

What Are the Rewards of Fuel Cards?

Fuel cards are one way of saving money, but when paired with fuel company rewards schemes, you can deliver a real one-two punch to your spending. These obviously vary from business to business, with some not including them at all, so let's look at some examples.

Shell Go+ is Shell's loyalty scheme, which uniquely offers points based on visits instead of the total amount of money spent. For each visit where you spend more than £10 on fuel, you'll be able to save on hot drinks, food, and, indeed, fuel.

BPme Rewards is a more traditional loyalty scheme for BP stations, where you rack up points by buying fuel, car washes, and in-store purchases that can be used on discounts.

Supermarkets are also worthy of mention here. While supermarkets like Tesco and Sainsbury's don't offer their own fuel cards, they do offer their own broader reward programs, like the Tesco Clubcard or Sainsbury's Nectar card, which can be used alongside fuel purchases to gain points for future discounts.


If you're looking to cut every cost possible, then it would seem fuelGenie's free card is for you, as it comes with virtually no investment, and still offers you savings on fuel (minimal though they may be).

However, due to these savings being quite slim, you might end up saving more over time if you do go for a priced option, like the BP Plus or UK Fuels Fleeting cards, as you can end up saving more over time. This is especially true if you have a larger fleet that buys more fuel.

If you'd like to look into getting your hands on your own fuel card, you might want to try getting some quotes before you commit. By using our quote comparison tool, you'll be given free, zero-commitment quotes for fuel cards, allowing you to make the best decision for your business.

Frequently Asked Questions

Is fuel cheaper with a fuel card?
Provided you go to a fuelling site that is supported by your fuel card, fuel will indeed be cheaper with a fuel card than if you bought it normally. This discount won't be immense – usually only a few pennies per litre. But over time, this can add up and become a considerable saving.
What does a fuel card cost?
The price of a fuel card will fluctuate based on your provider and their individual products. However, they will never be absurdly expensive, costing between £15 and £100 (at the absolute most) per driver per year.
How much do fuel cards save?
Fuel cards save anywhere between 2-10 pence per litre of fuel. This might not sound like much, but when you have a fleet of multiple vehicles that are using multiple tanks of fuel every week, having even a small discount on each tank will add up to a worthwhile saving.
Do I have to pay for a fuel card?
It depends on which fuel card you're looking at. Most fuel cards will have an initial purchase fee, and many come with a monthly fee as well. However, some fuel cards are completely free of all costs, notably fuelGenie's card.
Duncan Lambden
Duncan Lambden Senior Writer

Duncan (BA in English Textual Studies and Game Design) is an Australian-born writer for Expert Market. His articles focus on ecommerce platforms and business software that allows small businesses to improve their efficiency or reach, with an emphasis on invoice financing and customer relations. He has written for Website Builder Expert and Tech.co, and has been featured in Forbes. In his free time, Duncan loves to deconstruct video games, which means that his loved ones are keenly concerned about the amount of time he spends looking at screens.