Fuel Cards Explained
Your Questions Answered
An Introduction to Fuel Cards
Fuel cards offer a simple and efficient way to pay for petrol and diesel—especially for businesses and frequent drivers. Below, we address the most frequently asked questions about how fuel cards work, who can use them, and whether they're worth it.
What is a fuel card?
A fuel card works much like a credit or debit card. After filling up your vehicle, you present the card at the kiosk, where it's either swiped by the attendant or used with a chip-and-pin machine. The cost is billed to your company's account, not your personal bank account.
Major providers in the UK include iCompario and UK Fuels, and branded cards from companies like BP, which are often accepted at multiple petrol stations.
Who typically uses fuel cards?
Fuel cards are mainly used by businesses that have employees driving for work. Examples include:
- Construction companies with vans or lorries
- Employees with company cars
- Emergency services like ambulances and police vehicles
These cards help manage fuel expenses efficiently across fleets.
How do fuel cards work?
When a fuel card is used at a petrol station, the payment is handled by the fuel card provider, not the driver. The fuel card company settles the bill with the station and then invoices the business on a regular basis.
Drivers are often asked to enter their vehicle's registration number and mileage at the pump to help employers monitor fuel usage and prevent misuse.
Are fuel cards worth it?
Fuel cards can be very beneficial for businesses.
Key advantages include:
- Easier expense tracking
- Lower admin time for processing receipts
- Reduced risk of fraud
- Potential discounts of up to 10p per litre
However, there are some downsides. Not all stations accept every card, and many fuel cards come with annual fees (usually £10–£20).
Can fuel cards be used to buy other items?
That depends on the company's settings. Some fuel cards only cover fuel, while others also allow:
- Car washes
- Engine oil and lubricants
- AdBlue
- Even electric vehicle (EV) charging in some cases
Can self-employed drivers get a fuel card?
Yes—if you're self-employed and VAT-registered, you can apply for a fuel card. Please note that some providers may require a minimum monthly spend.
Are fuel cards available for personal use?
No, fuel cards are designed strictly for business use. They are not available for individual consumers who don't operate a business.
Want to save even more?
Use our fuel price checker to find the cheapest petrol and diesel near you. Whether you're using a fuel card or not, you'll save money at the pump.