Construction worker sat at computer

What’s the difference between a fuel card and a credit card?

If you’re thinking of applying for a fuel card, you may consider a fuel card vs credit card, and what would be most suitable for your business?

A fuel card is similar to a credit card in many ways. Both allow payment of fuel across different sites. However, when it comes to managing your fuel spend, fuel cards offer numerous benefits for your business; whether your fleet is big or small. 

Fuel card advantages includes cheaper fuel rates. Many fuel cards offer unrivalled access to sites with discounted fuel prices, so your drivers will save your business money every time they refill. With 24/7 reporting, you can keep a close eye on your fuel expenditure and MPG. Using fuel cards also heightens security with the reduced possibility of fuel fraud. 

Below, we have listed the key differences of the fuel card vs credit card debate:
Fuel cardsCredit cards
Discounts and cheaper prices on fuelNo access to cheaper fuel prices
Increased security and prevention of fuel card fraud with fuel cards linked to driver/vehicle
No ability to link cards to specific vehicle or driver
Added security with employees restricted to purchase fuel and lubricant goods only Employees can purchase anything on a credit card
Some cards offer points/rewardsSome cards offer reward schemes
No need to retain receiptsMust obtain all receipts for invoicing
HMRC compliant invoicingInvoicing with VAT is a lengthy process
Access to MPG reports to improve fuel efficiency
Reduced administration time and cost
Interest free credit options

As you can see, there are many distinct advantages a fuel card can offer over a credit card. Compare our fuel cards and find out which card is most suited to your business. If you’re still unsure on how a fuel card can aid your business, our team of experts are on hand to help further explain the benefits. 

Someone stealing a credit card

Top tips for keeping your fuel card safe

Fraudulent fuel card transactions can be a setback for businesses, causing delays and wasting time. Being proactive about your account’s security can reduce the potential for fuel card fraud.

Keep your PIN secure

By writing your PIN on your fuel card or the original fuel card letter, or choosing an obvious PIN like the registration of one of your vehicle is a sure way to end up being the victim of fuel card fraud.

You should never store the card and PIN together. If a driver leaves your company, change the PIN to the card to be cautious. Keep the PIN somewhere safe and secure.

Try and provide each driver with their fuel card, so PINs are not shared between drivers. Sharing cards can increase the risk of fraud and can make misuse harder to track.

Get insurance

Fuel Card Services can offer you Card Protect, our zero-liability insurance which is available for all of our fuel card products. Card Protect covers your business for losses of up to 25,000 litres on your fuel card account from the minute you notify us your card is stolen so you don’t pay the price for someone else’s wrongdoing and be a victim of fuel card fraud.

Act quickly

If you are registered to My Fleet Hub, you can quickly report a lost or stolen card and cancel immediately. Also, you can view all transaction reports and invoices on My Fleet Hub to keep track of how much is spent on your card(s).

You may also contact us or call your account manager directly to report cards missing and get a replacement card issued.

Track your cards and driver

Fraudulent fuel card use can be challenging to pinpoint whether it was a driver or a thief.

With our telematics tracking service, Tele-Gence, not only can you track where your drivers are, but you can also integrate your fuel cards into the platform. You can set up drivers on the platform and link a specific card, so you can immediately spot whether a driver has misused your card.

We strongly recommend this step as a critical way to reduce fuel fraud and increase control.

Be on your wits

It can be easy to let administrative tasks slip. By keeping on top of where your fuel cards are and frequently checking your invoices, you can help stop fuel card fraud altogether.

If you suspect any suspicious behaviour or find anomalies in your statements, cancel the card immediately and get in touch with your account manager to issue a new card.

Woman sat in car using fuel card

Where can I use my Keyfuels fuel card?

Here at Fuel Card Services, we offer the Keyfuels fuel card. Below, we have stated where you can use the card:

  • Accepted at over 3,150 sites across the UK, including all Morrisons and Tesco sites, and a selection of BP, Shell, Texaco, and independent sites

With the Keyfuels fuel card, you also receive these great additional benefits:

  • Save up to 10p per litre on diesel at participating motorway sites
  • Use the card for toll payments, now accepted on the M6
  • Free fuel management reports available online 24/7
  • Avoid unauthorised purchases with cards restricted to fuel and lubricants only
  • All cards are PIN protected
  • Get the most out of your account with a dedicated account manager
  • Collect Tesco Clubcard points at all Tesco sites
  • Gain access to high quality fuels from BP, Shell, Texaco and Esso
  • No advance payment for fuel, only pay for the fuel you use
  • Receive free price notifications weekly by email in advance

We hope you can see how the Keyfuels fuel card is advantageous and offers more than just fuel.

If you sign up to our pump locator, you can save time and easily find your nearest site. Also, you may find our pump locator on our Drivers Club app, as well as access premium services, big brand offers, and receive the latest driving trends and essential announcements.

Esso petrol station

Where can I use my Esso fuel card?

At Fuel Card Services, we offer the Esso Commercial fuel card. You can see where you can use your card below:

  • Access to the largest branded network of over 1,300 sites

The Esso Commercial fuel card also offers various additional benefits:

  • Its large network offers convenience as 70% of people live within a 2 mile radius of an Esso site
  • Save up to 10p per litre at participating motorway sites
  • Free fuel management reports available online 24/7
  • With Synergy diesel and unleaded, increase fuel economy by 1.8% compared to standard fuel
  • Avoid unauthorised purchases with cards restricted to fuel and lubricants only
  • All cards are PIN protected
  • Get the most out of your account with a dedicated account manager
  • Collect Nectar points at all Esso sites
  • No advance payment for fuel, only pay for the fuel you use
  • Receive free price notifications weekly by email in advance

We hope you can see the great benefits of the Esso Commercial fuel card.

Sign up to our pump locator to easily find your nearest site and save time. Also, you may find our pump locator on our Drivers Club app, as well as access big brand offers, premium services, and receive the latest driving trends and essential announcements.

Man using fuel pump

Where can I use my UK Fuels fuel card?

We offer the UK Fuels fuel card at Fuel Card Services. Below, we have listed where you can use your card in the UK:

  • Access to a network of over 2,950 sites and accepted at a selection of BP, Shell, Esso, Texaco, and independents on the UK Fuels network
  • Accepted at all Morrisons, Tesco, and Co-op sites

The UK Fuels fuel card also offers various additional benefits:

  • Save up to 10p per litre on diesel at participating motorway sites
  • Competitive fixed weekly price on diesel available at 1,800 sites across the UK
  • Free fuel management reports available online 24/7
  • Receive free price notifications via email in advance for the following week
  • Collect Tesco Clubcard points across all Tesco forecourts
  • Avoid unauthorised purchases with cards restricted to fuel and lubricants only
  • Access to high quality fuels from Shell, Texaco, Esso, and BP
  • Interest free credit available

We hope you can see the great benefits of the UK Fuels fuel card.

Sign up to our pump locator to save time and easily find your nearest site. You may also find our pump locator on our Drivers Club app, as well as access premium services, big brand offers, and receive the latest driving trends and essential announcements.

pump locator image