Fuel Cards vs Credit Cards | The Key Differences

If you are in the market for fuel cards you may be wondering what are the differences between fuel cards and credit cards.

In this blog post we will compare fuel cards vs credit cards and explain what is the most suitable for businesses.

Fuel Cards vs Credit Cards

Table of Contents

  • What is a fuel card?
  • What is a credit card?
  • The differences between fuel cards and credit cards
  • The benefits of choosing fuel cards over credit cards
  • The disadvantages of credit cards
  • Fuelwise Fuel Cards
  • How to get fuel cards

What is a Fuel Card?

A fuel card is payment method use by businesses to purchase fuel for their vehicles.

They are a convenient payment method and removes the risk associated from using cash or credit cards.

Using a fuel card provides access to a large network of fuel stations. We discuss where you can use your fuel card in a separate blog post.

What is a Credit Card?

A credit card is gives the holder a line of credit with which to make purchases, typically they will have high interest rates.

They enable businesses to borrow money up to a certain limit in order to purchase items or withdraw cash.

The differences between Fuel Cards and Credit Cards

Fuel cards are designed specially to purchase fuel and associated products such as Car Wash, whereas a credit card can be used to purchase anywhere.

With fuel cards the card holder can enjoy discounted fuel with interest free credit, however, a credit card will not provide fuel discounts and the card holder will have interest to pay.

The benefits of choosing Fuel Cards over Credit Cards

There are a few key benefits to using fuel cards rather than credit cards when paying for fuel.

For one, fuel cards often offer discounts at the pump – meaning you’ll save money on fuel overall.

Additionally, fuel cards can help you better track and manage your business expenses.

Check out some other benefits associated with fuel cards:

Fuel Cards

Credit Cards

Discounts and cheaper fuel prices

No access to cheaper fuel prices

Increased security and prevention of fuel fraud

High interest rates

Increased security with restriction of purchases to only fuel

Employees can purchase anything using a credit card

No need to retain receipts

VAT reclaim is a lenthly process

VAT approved invoices

Have to collect and keep all receipts

Less admin

Interest free credit

The disadvantages of Credit Cards

As mentioned above the disadvantages of using credit cards to purchase fuel relate to price, security and administration.

Using a credit card will prevent you from accessing cheaper fuel and you will have to pay interest on all purchases.

Your employees will not be limited to strictly fuel and will be able to purchase anything.

Credit cards also result in increased administration as you will have to collect all receipts, with the VAT reclaim process being a lot longer.

Fuel Cards are also a better alternative to cash, which you can read about in a dedicated blog post.

Fuelwise Fuel Cards

The Fuelwise Fuel Card is designed for small and large businesses, providing a safe, secure and convenient method for purchasing fuel.

Whether you have one vehicle or 100, you can experience the great benefits listed below at over 1,500 fuel stations across Ireland, plus a further 3,750+ sites in Northern Ireland and the UK.

Fuelwise Fuel Cards

How to get Fuel Cards

You can get fuel cards for your business by completing the form below.


    Phone Number



    Dominic Dysart
    Why our customers choose Fuelwise
    VES Transport

    VES Transport

    “I have been using Fuelwise fuel cards for many years and both the product and level of service is exceptional. To manage my business daily I use Velocity to monitor fuel spend and transactions and e-Route helps my drivers find any of the thousands of sites available with the Fuelwise fuel card. My Account Manager is always on hand to help and goes the extra mile to ensure everything is running smoothly”.

    MDE Installations

    MDE Installations

    “Fuelwise is very customer focused and were able to provide what I needed for this project where others couldn’t. The e- Route app helps our engineers find Core sites instead of Non-Core sites which helps with efficiencies and cost savings. Velocity is well managed, and I can create plenty of reports and my Account Manager is always on hand to help. With GPS Tracking built into Velocity I can view distance travelled, speed etc. and driver contact details without having to open another system.”

    Request a Callback

    To arrange a consultation or account review click the button below

     Request a Callback