Compare the real monthly and annual savings of the Coast and ARCO fuel cards on your fleet's gallons, after fees.
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About Coast
Coast is a modern fleet and fuel card built on the Visa network, so it works at any station that takes Visa with no network to plan routes around. It requires no personal guarantee, charges no per-transaction fees in the US, and its app lets owners set spending policies by driver, vehicle, day or merchant category with real-time alerts, plus 1 percent back on non-fuel business purchases.
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.
Coast and ARCO pricing
Coast costs $4 per active user per month with no inactive card fees. Fuel savings of 3 to 9 cents per gallon are applied on your statement at any gas retailer, alongside 1 percent back on non-fuel spend, so the discount travels with you rather than depending on an in-network station. 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
Coast's pitch is simplicity: one flat discount that works at every Visa-accepting station, modern software controls and no personal guarantee, rather than a station network you have to fuel inside to earn the headline rate. 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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