For owner-operators in the trucking industry, every dollar counts. Unlike large fleets, single-truck operators and small carriers don’t have the same buying power to negotiate bulk discounts on fuel—their largest operating expense. That’s why fuel cards for owner-operators are such a valuable tool. With the right program, drivers can save money, simplify expense management, and maximize their business potential without the overhead of running a large fleet.
Why Fuel Cards Matter for Owner-Operators
Fuel is one of the biggest expenses for truck drivers, often accounting for 30–40% of operating costs. For independent truck drivers, managing those costs directly impacts profitability. A fuel card offers more than just discounts at the pump—it provides access to savings, reporting tools, and financial flexibility that help drivers compete with larger carriers.
Key Benefits of Fuel Cards on a Smaller Scale
Even though owner-operators operate with fewer trucks, the right fuel card can deliver big advantages:
Fuel Discounts – Save money at the pump with access to network discounts typically reserved for fleets.
No Hidden Fees – Many fuel cards come with transaction or swipe fees that eat into savings. Choosing a card with no transaction fees keeps costs predictable.
Expense Tracking – Digital tools and reports help drivers track spending, manage budgets, and simplify tax preparation.
Cash Flow Flexibility – Pairing a fuel card with freight factoring services gives drivers access to working capital while covering fuel costs on the road.
Security and Control – Fuel cards reduce the need to carry cash and can be limited to fuel purchases, adding an extra layer of protection.
Choosing the Right Fuel Card for Your Business
Not all fuel cards are created equal, especially for small trucking companies or single-truck operators. When comparing options, owner-operators should look for:
Widespread acceptance at major truck stops and fuel stations.
Clear, transparent pricing without hidden fees.
Added support services, such as integration with factoring, load boards, or dispatching.
Strong customer service that understands the needs of independent drivers.
How Single Point Helps Owner-Operators Save
At Single Point, we designed our fuel card program with the independent driver in mind. Our card offers:
Fuel discounts to help cut operating expenses.
No transaction fees, so savings go directly back into your pocket.
Nationwide acceptance
Seamless integration with Single Point Capital’s factoring solutions, ensuring drivers have steady cash flow for fuel, repairs, and growth.
Driving Success with the Right Tools
For owner-operators, success is about making smart decisions that maximize every mile. A fuel card for truck drivers isn’t just a way to save money—it’s a strategy to build stability, control expenses, and strengthen long-term profitability.
At Single Point, we’re proud to support independent drivers with the financial tools, insurance solutions, and logistics support they need to succeed on the road.