Compare the real monthly and annual savings of the WEX and ARCO fuel cards on your fleet's gallons, after fees.
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About WEX
The WEX Fleet Card is the most widely accepted fleet card in the United States, working at roughly 95 percent of fuel stations plus tens of thousands of service locations. Its strengths are universal acceptance, detailed purchase controls with driver IDs, automatic accounting data on every transaction, tax exemption reporting and access to the WEX EDGE savings network that also discounts tires, hotels and other business costs.
About ARCO
The ARCO fleet card works at around 1,500 participating ARCO stations, with a Mastercard version accepted anywhere Mastercard is. Features include exception reporting, online statements, tracking options, gallon limits per card and ID and odometer prompts. ARCO's known-for-cheap pump prices are part of the value story.
WEX and ARCO pricing
WEX pricing is quote-driven, with independent reviews commonly reporting around $4 per card per month for the core Fleet Card. Rebates run 3 to 15 cents per gallon inside the WEX EDGE savings network and 1 to 3 cents elsewhere, with the top rates tied to fueling location and monthly volume; the truck-stop oriented Fleet Cross Roads card averages around 15 cents in-network. ARCO does not offer a conventional per-gallon rebate; instead its loyalty program credits 5 cents per gallon via the phone number entered at the pump, and the card's economics lean on ARCO's typically low posted prices. The default here reflects the loyalty credit. The calculator applies each card's discount to your monthly gallons, subtracts card fees, and compares net savings and effective price per gallon at the current diesel price.
How they compare
WEX's core strength is acceptance breadth: its discounts are modest outside the EDGE network, but the card works nearly everywhere, so its savings are dependable rather than spectacular. ARCO is a West Coast value play: low posted prices plus a loyalty credit rather than a big rebate, best for fleets concentrated around ARCO stations. The honest comparison is a blended one: estimate what share of your gallons would actually earn each card's in-network rate on your real routes, set the discounts accordingly, and let the annual difference decide.
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