EFS Fuel Card Savings Guide
How to save $6,000+ per year on diesel fuel with an EFS card. Real discounts of $0.50-$0.75 per gallon at 12,000+ locations.
O TruckingEFS Fuel Card Savings: Save $0.50-$0.75/Gallon in 2026
Key Takeaways
- EFS in-network diesel discounts typically run $0.50-$0.75 per gallon off the cash retail price.
- The card is accepted at 12,000+ locations, with roughly 2,300+ truck stops offering the in-network discount.
- A truck running about 120,000 miles a year can save roughly $6,000-$10,000 on fuel alone, plus tire and maintenance discounts.
- There are no per-transaction fees on in-network fuel, unlike the 2-3% surcharge common with credit cards.
- EFS adds security controls (driver ID, spending limits) and automatic IFTA data for quarterly fuel tax filing.
- Per-gallon discounts change daily with fuel costs, so always confirm the live rate in the EFS app before stopping.
$0.57
Q4 2025 Avg Savings/gal
$6,150
Annual Savings/Truck
12,000+
Accepting Locations
$0
Card Fees
How EFS Saves You Money
In-Network Fuel Discount
Discounted fuel at 2,300+ in-network truck stops
$0.50-$0.75/gallon
$6,000-$9,000/year
No Transaction Fees
Unlike credit cards, no per-transaction fees on in-network fuel
$0 per fill
$500-$1,000/year
Tire Discounts
Discounts at 3,000+ tire service locations
Up to 65% off
$1,000-$3,000/year
Maintenance Discounts
Oil changes, parts, and service at partner locations
10-30% off
$500-$1,500/year
Total Potential Annual Savings
Based on running 2,000+ miles/week
$8,000-$14,500
EFS In-Network Truck Stops & Discounts
TA/Petro
270+
locations
$0.55-$0.65/gal
avg discount
Pilot Flying J
750+
locations
$0.45-$0.60/gal
avg discount
Love's
600+
locations
$0.40-$0.55/gal
avg discount
Casey's
350+
locations
$0.50-$0.60/gal
avg discount
Kwik Trip/Star
700+
locations
$0.55-$0.70/gal
avg discount
Maverik
400+
locations
$0.50-$0.65/gal
avg discount
Sapp Bros
17
locations
$0.60-$0.75/gal
avg discount
Ambest
80+
locations
$0.55-$0.70/gal
avg discount
* Discounts vary by location and change based on fuel costs. Check EFS app for current pricing.
EFS Fuel Card Features
Fleet-Level Pricing
Get the same diesel discounts as the largest trucking companies, regardless of your fleet size.
Real-Time Fuel Prices
See current fuel prices at every location before you stop. Plan routes for maximum savings.
Driver ID Security
Require driver ID, truck number, and odometer at pump. Prevent unauthorized purchases.
Spending Controls
Set daily/weekly limits, restrict to fuel only, limit locations. Full control.
Fuel Tax Reporting
Automatic IFTA data collection. Export reports for quarterly fuel tax filing.
24/7 Customer Support
Lost card? Need help? Support available around the clock for drivers on the road.
EFS vs. Other Payment Methods
| Factor | EFS Card | Credit Card | Cash/Comcheck |
|---|---|---|---|
| Fuel Discount | $0.50-$0.75/gal | $0.00 | $0.00 |
| Transaction Fee | $0 | 2-3% | $3-$10 |
| Accepted Locations | 12,000+ | Anywhere | 2,000+ |
| Security Controls | Full | Limited | None |
| IFTA Reporting | Automatic | Manual | Manual |
| Cash Advance | Available | High fees | N/A |
Is an EFS Fuel Card Worth It? Pros & Cons
Pros
- +Real per-gallon diesel discounts ($0.50-$0.75/gal in-network) that credit cards do not offer.
- +No per-transaction fees on in-network fuel purchases.
- +Fleet-level pricing regardless of how many trucks you run.
- +Built-in security: driver ID, odometer prompts, and spending limits to stop unauthorized use.
- +Automatic IFTA data collection that simplifies quarterly fuel tax reporting.
- +Added discounts on tires and maintenance at partner locations.
Cons
- −The best discounts only apply at in-network truck stops, not everywhere.
- −Discounts change daily with fuel costs, so the rate is not fixed or guaranteed.
- −Standalone (non-carrier-sponsored) accounts may require an application and credit review.
- −Off-network and non-fuel purchases lose the discount advantage versus a credit card.
Common Mistakes That Cost You Fuel Savings
- Filling up off-network out of habit. The discount only applies at in-network stops, so check the EFS app and route to a participating location.
- Assuming the per-gallon discount is fixed. Rates move daily with fuel prices, confirm the live number before you commit to a stop.
- Skipping the driver ID and spending controls. Leaving them off invites unauthorized purchases and skimming that erase your savings.
- Ignoring the tire and maintenance discounts. Many cardholders only use the card for fuel and leave $1,000-$3,000/year on the table.
- Not exporting the IFTA data. The card collects it automatically, but you still have to pull the report for quarterly filing.
Your Annual Savings Calculator
Example: Owner-operator running 120,000 miles/year at 6.5 MPG
Plus additional savings on tires, maintenance, and no transaction fees.
EFS Fuel Card: Frequently Asked Questions
How much can I save with an EFS fuel card?
EFS cardholders typically save $0.50-$0.75 per gallon on diesel at in-network locations. For an owner-operator running 120,000 miles per year at 6.5 MPG, that works out to roughly $8,000-$14,500 in annual savings once you add tire and maintenance discounts. Compare options in our best fuel cards for owner-operators guide.
How does an EFS fuel discount actually work?
EFS negotiates fleet-level pricing with truck stop chains. When you swipe at an in-network location, the discount comes off the cash retail price, either at the pump or as an invoice credit. You get the same wholesale-style rate large carriers receive, regardless of fleet size. Exact discounts change daily with fuel costs, so always check the EFS app before you stop.
Is an EFS card better than a credit card for fuel?
For diesel, yes. A credit card gives no per-gallon discount and often adds a 2-3% surcharge at the pump, while an EFS card delivers a $0.50-$0.75/gallon in-network discount with no transaction fee, security controls, and automatic IFTA fuel tax data. A credit card only wins on universal acceptance for off-network purchases.
Does an EFS fuel card require a credit check or fee?
It depends on the issuer. Carrier-sponsored EFS programs usually issue cards with no card fee and no personal credit check because the carrier or factoring company carries the account. Standalone fleet accounts may involve an application and credit review. Either way, there are no per-transaction fees on in-network fuel. Need cash before delivery? See how fuel advances work.
Get Fuel Card Access Through Dispatch
Our carriers get access to discounted fuel programs including EFS. Save on fuel from day one.