North America Commercial Fuel Cards Market

North America Commercial Fuel Cards Market Outlook 2036

North America commercial fuel cards market size was valued at US$ 201.6 Bn in 2025 and is projected to reach US$ 312.5 Bn by 2036, expanding at a CAGR of 4.0% from 2026 to 2036. The market growth is driven by the need for fuel cost control, expense management, rising adoption of fleet management and telematics solutions.

Market Size & Highlights

• North America commercial fuel cards market reached USD 201.6 Bn in 2025.
• North America market is expected to climb to USD 312.5 Bn by 2036.
• North America commercial fuel cards industry is anticipated to expand at a CAGR of 4.0% from 2026 to 2036.
• Top companies in North America market include Suncor Energy Inc., BP p.l.c., Parkland Fuel Corporation, and TotalEnergies SE
• U.S. dominated North America Market in 2025 holds the largest revenue share of 45.3 % in 2025
• By Card, the Branded segment leads North America Market with 39.4% in 2025

Analysts’ Viewpoint regarding North America Commercial Fuel Cards Market

North America commercial fuel cards market represents a well-established ecosystem of payment and fleet expense solutions designed to support businesses, government agencies, and commercial vehicle operators across the United States and Canada. The market benefits from a highly developed transportation, logistics infrastructure, extensive fueling networks and widespread adoption of digital payment systems. Commercial fuel cards enable cashless fuel purchases while offering centralized control of fuel expenses, transaction records and driver management to organizations with both small and large vehicle fleets.

The U.S. stands out as the dominant region within the North American commercial fuel cards landscape due to the high number of commercial vehicles, movement of long-haul freight, the major fuel card issuers, and fleet service providers who operate in the area. The country’s mature fleet management environment allows fuel cards to be integrated with broader mobility and expense-management platforms, which enables their use as more than basic fuel payment systems.

From a segment perspective, branded fuel cards hold 39.4% market share due to their extensive proprietary fuel station networks, attractive volume-based discounts, strong brand credibility, integrated fleet management solutions, detailed expense tracking, and long-term corporate partnerships that enhance cost control and operational reliability.

North America Commercial Fuel Cards Market Introduction

North America commercial fuel cards market refers to the organized network of fuel card solutions designed for businesses, fleet operators, government agencies, and commercial vehicle owners across the United States and Canada. The commercial fuel card system functions as safe payment methods that authorized drivers use to obtain fuel from designated fueling points while businesses track their fuel-related spending. Fuel retailers, oil companies, fleet management organizations, and financial institutions issue these cards that drivers can use at multiple fueling stations that operate throughout the country.

The North American market is shaped by high vehicle ownership together with a large commercial trucking and logistics sector, long-haul transportation routes, and a mature fleet management ecosystem. The commercial fuel card system provides companies with fuel purchasing capabilities together with value-added services that include toll payment systems, vehicle maintenance services, roadside assistance, parking facilities, and consolidated billing with comprehensive expense reporting capabilities.

North America commercial fuel cards market shows its main characteristics through its advanced digital technologies that enable real-time tracking of transactions, spending management, driver access control, telematics system connections, and data analysis capabilities that organizations use to optimize their fuel efficiency and fleet operational performance. The market is also evolving in response to sustainability goals, with providers increasingly incorporating EV charging compatibility, carbon tracking tools, and alternative fuel options.

North America commercial fuel cards market functions as an essential element that supports the commercial mobility system of the region as it helps businesses achieve their fuel and fleet management needs through cost control, compliance, operational efficiency, and data-driven decision-making.

Need for Fuel Cost Control and Expense Management Driving North America Commercial Fuel Cards Market

The North American commercial fuel card market is expanding as companies need to handle their fuel costs while controlling their operational expenses through their current fuel spending and their fleet budgets which react to fuel price changes. The U.S. Energy Information Administration (EIA) reported that the average retail price of regular gasoline in the United States reached US$ 3.30 per gallon in 2024 while on-highway diesel fuel cost US$ 3.76 per gallon.

Every minor change in fuel pricing results in the major cost increase for commercial fleets that consume between thousands and millions of gallons of fuel every year. Fuel costs present businesses that depend on fleets with their most unpredictable expense category which requires difficult management.

Organizations develop structured fuel-expense management systems to achieve better cost control through fuel expense forecasting, which helps them protect their profit margins. Commercial fuel cards support this objective by enabling centralized monitoring of fuel spend across vehicles, drivers, and locations. Businesses achieve better budget planning and financial forecasting through higher budget control that they achieve by using a single invoicing system to combine their fuel transactions.

Fuel cards provide financial benefits through their capacity to manage both - direct fuel expenses and the hidden costs that arise from vehicle fuel use. Fleet managers can use the complete transaction data to detect fuel management problems that include drivers refueling too often and drivers refueling when they are not on their planned routes. Small operational inefficiencies at gasoline stations which charge US$ 3.30 per gallon and diesel stations that charge US$ 3.76 per gallon will produce substantial savings when these savings occur across multiple stations.

As fleets try to achieve better financial management and operational transparency for this valuable resource, their need for advanced fuel cost control systems and expense tracking solutions has grown stronger.

Rising Adoption of Fleet Management and Telematics Solutions Propelling North America Commercial Fuel Cards Market

North America commercial fuel cards market experiences growth as fleet management and telematics solutions become more popular, which telematics technologies transform fleet operations, performance monitoring, and cost management processes. The Electronic Logging Device (ELD) rule that requires most commercial motor carriers that operate between states to use electronic logging devices that automatically record driving hours and vehicle operation data represents. It is a federal regulatory framework that exists in the United States through the Federal Motor Carrier Safety Administration (FMCSA).

The telematics systems depend on these devices that deliver current information about fleet operations, compliance status, and routing choices. The ELD mandate requires most fleets to comply, which drives them to use telematics as part of their fleet management systems so they can track more than just driver working hours.

The government has made digital data collection system and vehicle tracking system essential requirements for fleet operation, which has driven fleet managers to implement telematics systems since these systems help organizations achieve both - safety regulations and efficiency improvements. The majority of commercial vehicles now use ELDs which require telematics systems that serve as mandated systems.

The present environment establishes a robust base for digital fleet management systems that incorporate GPS tracking and driver behavior assessment, fuel consumption monitoring and route optimization and predictive maintenance and fuel card data system integration.

Fleet operators can achieve precise cost distribution, fraud detection, and operational planning through telematics data that they link to fuel card systems, their vehicle usage, and performance data. The ongoing safety compliance demands for digital vehicle data collection create a strong incentive for fleets to adopt telematics technology as a fundamental component of their management systems. The implementation of telematics systems within management processes of fleets enables organizations to minimize their operational expenses while enhancing their work efficiency through the use of fuel card systems.

Segment Outlook of North America Commercial Fuel Cards Market

The North America commercial fuel card market shows that branded fuel cards because they control 39.4% of market share represent the most popular card type among users. The card maintains its market position because of its extensive fuel station network and its established partnerships with oil marketers and commercial fleet customers. Major fuel retailers and petroleum companies typically issue branded cards which provide fleet operators access to their extensive station networks that offer stable fuel prices and consistent fuel quality throughout the country. The network functions as a strong logistical support system which provides dependable service to companies that need to transport goods through designated routes.

Cost control establishes another primary reason for market dominance. Branded cards provide large fleet operators with fuel expense predictability through their negotiated fuel discounts, rebates and volume-based pricing structures. The cards provide businesses with transaction tracking systems, purchase control functions, reporting tools which allow them to monitor driver activities, track fuel usage and prevent fuel fraud. The system achieves higher operational efficiency because it connects to fleet management software.

Branded fuel providers also invest heavily in customer retention programs, loyalty benefits, and value-added services which include vehicle maintenance discounts, roadside assistance and credit facilities. The bundled offerings establish strong switching obstacles which force commercial clients to stay with their contracts. Established fuel brands maintain higher trust from corporate users because this trust leads to greater adoption of their products than universal or merchant card programs.

Country Outlook of North America Commercial Fuel Cards Market

The U.S. holds approximately 45.3 % market share in North America commercial fuel cards market, a position that underscores its dominance in the region's fuel payment and fleet management ecosystem. The dominant share of the market shows that the country has a developed commercial transportation system which includes long-haul trucking and logistics and delivery fleets and service vehicles that need organized fuel expense solutions.

The U.S. operates one of the world's most extensive commercial vehicle networks together with its widespread fueling stations which enable fuel cards to function at both branded and universal networks. The growing use of integrated fleet management systems, advanced telematics, digital payment tools in the United States helps businesses that need complete solutions combining fuel purchase convenience with expense tracking, reporting and cost control.

The dominance of this system exists is attributed to multiple structural elements support its function. The United States operates an extensive interstate highway system that connects with its logistics network to enable both - domestic freight operations and cross-border freight movement with Canada and Mexico. The United States hosts all the major fuel card companies together with fleet management service providers, which allows American companies to test new products before they reach other markets.

The U.S. has achieved higher fuel card market share than any other North American country due to the fleet activity concentration that creates infrastructure and service provider networks. American fleets use fuel cards for payment convenience and also use them as tools to control expenses, track spending, prevent fraud, and improve their operational efficiency that strengthens the U.S. market leadership position in the regional industry.

Market Opportunity

Integration with Telematics and Fleet Analytics Platforms

The commercial fuel card market offers substantial value through its telematics and fleet analytics platform integration as fleet operators require unified data systems to manage vehicle operations and fuel expenses. Modern fleets generate large volumes of operational data through GPS tracking, electronic logging devices, and onboard diagnostics. Organizations obtain a unified view of fuel consumption patterns which they track through fuel card transactions.

The integration of these systems enables fuel card providers to offer advanced fleet intelligence capabilities which extend beyond their basic payment system. Fleet managers use fuel purchase data together with current vehicle information to find operational problems which include drivers taking unauthorized routes, leaving engines running, drivers refueling without permission and vehicles using fuel at abnormal rates. The commercial operators find integrated solutions very appealing because even small efficiency gains lead to substantial cost reductions during implementation across extensive operations which include multiple vehicles.

The provider telematics integration allows companies to deliver premium analytics and subscription-based services with value-added insights which results in greater customer retention and higher revenue per account. Fuel card platforms can incorporate advanced dashboards with predictive maintenance alerts and performance benchmarking to create unique product offerings that will help businesses compete in a challenging marketplace. Fleet-dependent businesses now require seamless data integration that supports compliance reporting, internal audits, and sustainability tracking as these functions have become essential to their operations.

Fuel card providers who achieve successful integration between telematics systems and fleet analytics platforms will gain long-term growth benefits as their services become integral to their customers' daily operations.

Analysis of Key Players in North America Commercial Fuel Cards Market

AtoB, BP p.l.c., BVD Group, Canadian Tire, Coast, Corpay, Inc., Fillip Fleet Inc., Gulf, Imperial Oil (Esso & Mobil) in association with WEX Inc., Parkland Fuel Corporation, Pilot Travel Centers LLC, Shell International B.V., and Suncor Energy Inc. (Petro-Canada) are some of the leading companies operating in the global Commercial Fuel Cards.

Each of these companies has been profiled in North America commercial fuel cards industry report based on parameters such as company overview, business strategies, financial overview, business segments, product portfolio, and recent developments.

Key Developments in North America Commercial Fuel Cards Market

• In January 2026, WEX Inc. introduced its first fleet card that combined standard fuel payments and electric vehicle charging payments into one card system with a single account and complete billing system. The EV-enabled card supports mixed-energy fleets, offering unified reporting, embedded tap-to-charge capability, and seamless payments across fueling and charging networks.
• In December 2025, Murphy USA partnered with AtoB to launch the Murphy USA & QuickChek Business Fuel Cards, which provide small and growing businesses simplified fuel purchasing together with advanced spending controls and initial fuel discounts that apply at all participating locations.
• In October 2025, NCR Voyix Corporation established a partnership with Corpay, Inc. to implement Corpay fleet card payment processing on NCR Voyix's U.S. cloud-based point-of-sale system, which allowed for smooth commercial fuel transactions to be handled at over 18000 fuel stations throughout the country
• In July 2025, WEX Inc. and BP p.l.c. established their partnership to expand the earnify fleet fuel card program across the United States which enables fleet drivers to receive ongoing fuel rebates while making fuel and vehicle-related purchases at more than 8000 bp Amoco TA and Petro stations throughout the country.

North America Commercial Fuel Cards Market Snapshot