Compare the real monthly and annual savings of the Coast and EFS 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 EFS
EFS (Electronic Funds Source) is a trucking-focused card family: the Fleet One EDGE card for companies up to about 50 trucks with tire discounts and no fuel transaction fees, the EFS Fleet Card for larger fleets with real-time purchase limits and point-of-sale prompts, and an EFS Mastercard for anywhere-acceptance. It captures odometer and unit data and can match purchases against truck telemetry for security, across 12,000-plus locations.
Coast and EFS 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. EFS savings reach around 15 cents per gallon depending on location and program, concentrated at in-network truck stops, with fee structures varying by card and account; small monthly per-card fees are common on quoted programs. 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. EFS is a truck-stop network card with unusually deep data capture, built for OTR diesel fleets, so it trades everywhere-acceptance for bigger in-network diesel discounts and security features. 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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