At Viva Capital, we know the challenges transportation companies face because we’ve been in the transportation industry ourselves. That’s why we offer fuel discount cards at no cost to our transportation clients. We’ve already helped you get cash back into your business, and now we want to help you spend it wisely.
The Ideal Fuel Card for Truckers and Small Trucking Companies
If you own a transportation or trucking business, we know what keeps your fleet moving: fuel.
As the perfect accompaniment to your transportation factoring services, Viva’s fuel card and advance program is a gateway to big discounts on fuel costs and other services that keep your wheels on the road. Plus it comes with tools that can help you boost your trucking fuel efficiency, business operations, and profit.
CALCULATE YOUR FUEL SAVINGS
See how much money you could save with our Fuel Discount Calculator
Benefits of Trucking Fuel Cards
1. Save an average of 47 cents per gallon every day!
When you’re burning through several thousands of gallons a month, those savings really start to add up. You could be saving an estimated $15,275 annually!
2. Get Cash Prices at the Pump
The difference between cash and card prices can be huge. Rest assured that you’re getting the best possible price with our fuel discount card for truckers.
3. Cards Accepted at 2,000 Locations Nationwide
What good is a discount card if you can’t find a gas station that accepts it? That’s why we’ve made sure that our fuel cards for owner-operators and transportation companies work with over 2,000 locations around the country.
4. Simplified Funds Transfers
When your fleet is out on the road, the last thing you want is for one of your trucks to run out of money for fuel. With our fuel cards, you can quickly transfer funds to your driver to keep them on the road. The trucking industry is capital-intensive, but it’s the backbone of your business. When your trucks aren’t moving, our country grinds to a halt.
Discounts Available in 2,000 Locations Nationwide
What good is a discount card if you can’t find a gas station that accepts it? That’s why we’ve made sure that our fuel cards for owner-operators and transportation companies work with 2,000 locations nationwide.
Testimonial
Viva Really makes an effort to ensure we are taken care of, something we didn’t feel with our other factoring companies.
Raul R. | R. Ramirez Transport | Texas
Fuel Card Success Story
Find out how R. Ramirez Express, a Viva Capital Funding client, has saved $5,000 per year on fuel with the help of Viva Capital Funding’s Fuel Card Program!
Advantages of the Viva Fuel Card Program
Owner-operators and small carriers manage expenses more efficiently and save big.
You don’t need to have a fleet to qualify for Viva’s fuel card for truckers. You can unlock deep fuel discounts and other benefits even if you’re an owner-operator with a single truck.
- Better budget management with adjustable fuel and non-fuel expense limits that you set
- Discounts on preventative maintenance, oil changes, tires, and more at TA Truck Service Centers
- Save an average of 50 cents per gallon and pay no transaction fees
- Leverage fuel management tools on the dedicated client website and mobile app, including an interactive Fuel Finder map
- Runs on both the Comdata and EFS platforms, so you can use what’s best for your company
- 24/7 account management via the app and website, including in-depth reporting for superior management
- 24/7 access to customer service representatives
Benefits of a Fuel Advance Program
1. Receive Up to 50% of Your Load’s Value in Advance
Get paid up to 50% of a load’s invoice value as soon as we can confirm it’s loaded.
2. Get Paid How You Want
Have your fuel advance loaded to your fuel card and maximize your savings or send it to your bank account to use however you wish.
3. Accept the Loads You Want
Any load you’re factoring with Viva can qualify for a fuel advance, giving you more freedom to choose the brokers and shippers you want to work with.
4. Stabilize Cash Flow and Grow
Manage your business more easily with a stable, steady income and accept more work in total confidence that you can cover all associated expenses.
Motor Carrier Success Story
Apart from Viva Capital offering Cold Way Transportation fuel cards, learn how we were able to help them grow their revenue by 47% and expand with new equipment within 12 months.
The Viva Fuel Card Program Creates an End-to-End Solution
Viva clients receive a wealth of benefits, including accelerated cash flow, flexibility, and no long-term contracts. When you layer in the fuel card program at absolutely no cost to you, you also get greater control over your number-one expense— fuel.
Once you’re set up for factoring with Viva, you can enroll in the Fuel Card Program and immediately start taking advantage of all the benefits available with our fuel cards. In addition, you can receive up to 50 percent of a factored load’s invoice value as an advance on your card as soon as it has been picked up.
At Viva Capital Funding, we understand the demands of the transport industry, and when trucking is your business, you need to keep your fleet moving. If your fleet is not on the road, your business stops operating.
With decades in the industry, competitive rates, and perks like the Fuel Card Program, Viva can help you take your trucking company to the next level. If you’re not already signed up with our freight factoring company, get started by requesting a complimentary rate quote. If you’re already factoring with Viva but don’t have your fuel card yet, connect with your account manager to get set up.
Request Your Complimentary Rate Quote
Fuel Card FAQs for Truckers and Fleet Operators
What is a fleet fuel card and how does it work?
A fleet fuel card is a payment tool designed for trucking businesses to buy fuel and manage expenses. Unlike credit cards, fuel cards offer discounts at partner truck stops, allow driver-level spending controls, and provide real-time reporting. This makes it easier to track fuel usage, cut costs, and improve budgeting.
Why should truckers use a fuel card instead of a credit card?
Fuel cards are built for trucking. They provide discounts at the pump, driver controls to prevent unauthorized spending, and reporting that simplifies IFTA filings. Credit cards don’t offer these industry-specific features and typically have higher fees.
Where can I use a fuel card?
Most fuel cards are accepted at thousands of truck stops nationwide, including major networks like TA, Petro, and One9. Many programs include mobile apps with fuel finders so drivers can locate in-network stations with the best discounts along their route.
How much can I save with a trucking fuel card?
Savings vary, but many carriers see discounts of $0.40–$0.50 per gallon. For fleets burning thousands of gallons monthly, this can mean $10,000+ in annual savings. Fuel cards may also include discounts on maintenance, tires, and roadside services.
What is a fuel advance and how does it work?
A fuel advance allows a carrier to access a portion of a load’s invoice value—often up to 50%—once it’s loaded. Funds are typically loaded onto the fuel card for immediate use at the pump. When combined with factoring, this helps cover expenses without waiting for customer payment.
Can owner-operators use a fuel card?
Yes. Fuel cards aren’t just for large fleets. Owner-operators and small carriers can access the same discounts and tools. This helps level the playing field, giving single-truck operators access to big-fleet pricing and expense management.
What security features do fuel cards offer?
Most fuel cards include PIN protection for each driver, real-time alerts for unusual spending, and restrictions by category (fuel vs. non-fuel). These tools help carriers prevent fraud and monitor transactions closely.
How can a fuel card help trucking businesses grow?
By lowering fuel costs and improving cash flow, fuel cards free up working capital that can be reinvested in staff, equipment, or new routes. Real-time data also supports smarter routing and purchasing decisions, improving efficiency and profitability.
What should I look for in the best fuel card for trucking?
Key features include:
- Wide acceptance at major truck stop chains
- Upfront discounts at the pump (not just rebates)
- Transparent pricing with no hidden fees
- Integration with factoring or cash advance programs
- Mobile tools for tracking and fund transfers
How do I get started with a fuel card?
The process is simple! Just apply through a provider, link your card to your business account, and begin using it at in-network locations. If you already factor your invoices, you may be able to connect your fuel card directly to your funding program for faster access to cash and discounts.