Mudflap Fuel Card Review (2026): Discounts, Fees, and the Coverage Gap

Fuel is one of the few costs an owner-operator can actually push down day to day, so any card that promises real savings at the pump gets attention fast. Mudflap has earned a lot of that attention. It started as a discount app for truckers and has since grown into a fuel card that a lot of drivers and small fleets are weighing right now.

This Mudflap fuel card review breaks down:

• How the card works
• What it really costs
• Where it is accepted
• Who it fits best

So you can decide whether Mudflap belongs in your truck or whether a different setup makes more sense for the routes you run.

Mudflap launched in 2020 as a mobile app that gave independent drivers access to discounted diesel at partner truck stops. The pitch was simple. Bring the kind of per-gallon pricing that big fleets negotiate to the one-truck operator who normally pays retail.

In 2023, Mudflap added its own fuel card, the card runs on the Visa network, which is the part most people miss at first.

That means you can use the Mudflap card to buy fuel anywhere Visa is accepted, but you only earn the discounts at the roughly 3,500 participating truck stops in Mudflap’s network. Fuel outside the network still works, it just prices out like any regular Visa purchase.

According to Mudflap’s own fuel card materials, the card is issued through Celtic Bank or Community Federal Savings Bank under a Visa license, and the card itself is subject to credit approval even though the app is not.

The Mudflap card is accepted almost anywhere because it runs on Visa. The discounts are a different story. You only earn Mudflap’s cents-per-gallon savings at the truck stops inside its network, which is about 3,500 stations nationwide.

The one thing every driver should check before signing up, is that Mudflap does not offer discounts at Pilot, Flying J, or Love’s. As Small Fleet HQ points out in its coverage breakdown, Pilot runs roughly 750 locations and Love’s around 600, so those two chains represent a big share of the truck stop real estate you pass on a typical route.

If your lanes lean heavily on Pilot or Love’s, a large chunk of your fill-ups will price out at regular retail.

That gap is why a lot of experienced drivers run Mudflap alongside a second card that covers the chains Mudflap misses. It is a workable setup, but it is also two accounts, two statements, and two things to reconcile. Whether that tradeoff is worth it comes down to where you actually buy fuel.

The discounts are the reason to look at Mudflap in the first place. In-network savings typically land somewhere around 20 to 40 cents per gallon, and Mudflap advertises up to $1 per gallon at certain stops. The exact number moves with the location and with the market that day, so treat any single figure as a range rather than a promise.

A fleet of 10 trucks saving roughly $65,000 a year. That number is built on actual discounts drivers earned in the network during a 2024 window, filling about 75% of a 300-gallon capacity. It is a real calculation, but it assumes you are fueling in-network consistently, which loops back to the coverage question above. Your mileage, quite literally, will vary.

Mudflap is genuinely lean. There is:

The one cost to know about is the funding method. If you pay for your Mudflap purchases with a credit card, there is a 1.9% processing fee. As TruckingWay lays out in its review, at $4.00 a gallon that 1.9% adds about 7.6 cents per gallon, which can swallow most of a small discount.

The fix is to fund with ACH from a bank account instead, which brings that cost to zero. It is worth knowing whether that fuel card discount really saves money once the funding fee is in the math, and you can pressure-test that on any card using our own breakdown of whether fuel card discounts really save money.

As explained in the previous section, the Mudflap fuel card has no monthly fee, no setup fee, and no transaction fee, so the card itself costs nothing to carry. That is a real selling point compared to programs that charge a few dollars per card every month.

The cost that actually matters is that 1.9% credit-card funding fee. Fund your account by ACH and your effective cost is zero. Fund by credit card and you are paying roughly 7 to 8 cents a gallon at current diesel prices, which only makes sense if your discount at that stop is comfortably larger than the fee.

Past that, the true cost of Mudflap is really about coverage. If most of your fill-ups happen at in-network stops, the card earns its keep. If a big share happens at Pilot, Love’s, or off-network stations, you are paying retail on those gallons and the average savings thin out.

LogRock’s guide frames this as a cost-per-mile question, and that is the right way to think about it. Run the discount against the gallons you actually buy in-network, not the best-case number on the marketing page.

For a card aimed at owner-operators and small fleets, Mudflap offers a reasonable set of controls. A fleet owner can:

The app also tracks every purchase, which keeps your fuel data in one place and makes quarterly IFTA filing and general bookkeeping less painful.

For a single truck or a handful of trucks, that is usually enough. For a larger fleet that needs deeper reporting, tiered permissions, or granular driver-level controls, Mudflap is lighter than a full fleet fuel card program, and that is a fair thing to weigh.

Mudflap’s app is well rated, and across public reviews users generally report quick resolutions when they run into a problem. What you do not get is a dedicated account rep who knows your business and picks up the phone when a card gets declined at 11 p.m. For some drivers that is fine. For others, having a real person to call is worth more than any single feature.

If you run lanes that line up well with Mudflap’s network and you do not mind the occasional app step at the pump, the savings are real and the price of entry is basically nothing. Mudflap is one of the better day-one cards for a new owner-operator, and it deserves its reputation there.

However, if what you want is acceptance everywhere, no fees to keep an eye on, and a person to call when something breaks, a universal fuel card is worth a serious look.

This is the tradeoff we help fleets think through all the time, and it is often less obvious than it sounds. A discount card with a coverage gap can quietly cost more than a no-fee card that works everywhere, which is exactly why a universal fuel card can end up cheaper than a discount card once you account for the fills that fall outside the network.

The Voyager fleet card takes that approach: universal acceptance at retail stations, straightforward pricing, no monthly card fees, and live customer service instead of an app queue. If you are still shopping around, our roundup of the best fuel cards for trucking companies is a good place to compare your options side by side.

Mudflap is a strong, low-risk card for owner-operators and small fleets that fuel where its network is good. There are no fees to carry it, the discounts are real, and there is no contract holding you hostage if it does not work out.

The two things to check before you commit. First, do your regular stops fall inside Mudflap’s network, or are you living on Pilot and Love’s? Second, will you fund by ACH to skip the credit card fee? Answer those honestly and you will know whether Mudflap fits.

If the coverage gap gives you pause, or you would rather have one card that works everywhere with no fees and real support behind it, that is worth a conversation. Talk to an expert at C NRG Fleet and we will walk through your routes, your fuel spend, and whether a universal card like Voyager would net out cheaper than chasing discounts stop to stop.