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Fuel cards

P-Fleet

CFN and Voyager fuel cards for business fleets, combining driver purchase controls, centralized invoicing and different options for local or nationwide routes.

  • CFN or Voyager card programs
  • Driver purchase controls
  • Centralized fuel reporting
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Our take

P-Fleet is worth considering when managing fuel purchases has become an office headache. Its portal and reporting draw positive feedback, and CFN offers useful controls for fleets near commercial cardlocks. Voyager serves a wider mix of routes. The tradeoff is that convenience and savings are different decisions: customers disagree about value, and retail access does not bring CFN pricing to every pump. Start with your regular stops, then compare the offered billing cycle, invoice charge and controls your drivers will actually use.

What stands out

A closer look at P-Fleet

Savings at my stops

Compare a week of your actual stops under each program. CFN pricing, retail access and Voyager rebates have different rules; a nearby accepting station may offer neither a discount nor room for your truck.

Supporting details

3,000+ commercial fueling sites, with the program aimed primarily at western US routes. Source ↗

Adds 65,000+ gas stations and truck stops. Retail access can be enabled or disabled for individual cards. Source ↗

A nationwide network of major and independent fueling brands, with optional maintenance purchases. Check each stop for the fuel and vehicle access you need. Source ↗

CFN cardlocks use cost-plus or, in some areas, retail-minus pricing. Added retail sites charge the merchant pump price. Source ↗

The advertised 35¢ per gallon is an estimate against average metro-area retail prices. Actual savings vary by place and time. Source ↗

Advertises 3–8¢ per gallon at selected brands, credited monthly. Eligibility requires an account in good standing and balances paid on time. Source ↗

The U.S. Bank Voyager locator can filter for diesel, oversize vehicles, pay-at-pump and maintenance services. Source ↗

Customer experience: Fueling choice appeals to one customer; others wanted better value.

Research context

The feedback followed customer invitations and covers several business types. It does not consistently establish trucking status, fleet size or card program; an older experience is included.

At a glance

Minimum fuel spend
CFN and Voyager require average monthly fuel spending of $1,000 over the year.More details
Invoice fee
$3 per invoice for every program, charged per account billing period, rather than per card or fill-up.More details
Account commitment
Advertises no long-term commitment and cancellation at any time. Obtain the current agreement and settle outstanding charges.More details
CFN cardlocks
3,000+ commercial fueling sites, with the program aimed primarily at western US routes.More details

Costs, plans & capabilities

CFN and CFN + Retail Access

3,000+ commercial fueling sites, with the program aimed primarily at western US routes.

Adds 65,000+ gas stations and truck stops. Retail access can be enabled or disabled for individual cards.

CFN cardlocks use cost-plus or, in some areas, retail-minus pricing. Added retail sites charge the merchant pump price.

The advertised 35¢ per gallon is an estimate against average metro-area retail prices. Actual savings vary by place and time.

Driver PINs, gallon and transaction limits, permitted fueling days and hours, plus retail-site lockouts.

CFN fuel-type blocking works at cardlocks. At retail sites, use product exception alerts or disable retail access; an alert does not prevent the purchase.

A wrong PIN or pump error can count against a CFN daily transaction limit. Allow for a legitimate second attempt.

Voyager for wider routes

A nationwide network of major and independent fueling brands, with optional maintenance purchases. Check each stop for the fuel and vehicle access you need.

Advertises 3–8¢ per gallon at selected brands, credited monthly. Eligibility requires an account in good standing and balances paid on time.

Dollar limits by day, week or month, transaction limits, driver identification and permitted fueling times.

Voyager can include maintenance access, subject to account approval. Fuel-only and maintenance-enabled cards serve different needs.

The U.S. Bank Voyager locator can filter for diesel, oversize vehicles, pay-at-pump and maintenance services.

P-Fleet offers CFN and Voyager programs. U.S. Bank lists P-Fleet as a Voyager network partner.

Account terms and office tools

Commercial accounts, including owner-operators and sole proprietors. Personal-use accounts are not offered.

CFN and Voyager require average monthly fuel spending of $1,000 over the year.

$3 per invoice for every program, charged per account billing period, rather than per card or fill-up.

3, 7, 15 or 30 days, depending on credit approval. Confirm the actual due dates offered to your business.

ACH, EFT, wire, check or credit card, subject to approval. Credit-card payments carry a processing fee; its percentage is not published here.

The FAQ describes soft inquiries using business and/or personal credit information from Dun & Bradstreet and Experian.

Late payment can interrupt service. P-Fleet may charge 1.5% monthly on unpaid balances after an account closes.

Advertises no long-term commitment and cancellation at any time. Obtain the current agreement and settle outstanding charges.

Track purchases by driver or vehicle, assign accounting codes and export purchase data for office records.

Provides fuel summaries for IFTA preparation. This is fuel reporting, not a promise to complete the entire tax return.

Voyager lists integrations including Geotab, Samsara, Azuga and Verizon Connect Reveal. Confirm compatibility with your setup.

Advertises 24/7 help for most driver fueling problems. Account-service response times are not guaranteed.

The comparison describes protection for merchant skimming, excluding employee misuse of a valid card. Confirm account-specific claims requirements.

Plan details
Card programs
P-Fleet offers CFN and Voyager programs. U.S. Bank lists P-Fleet as a Voyager network partner. Source ↗Checked 2026-09-09
Who can apply
Commercial accounts, including owner-operators and sole proprietors. Personal-use accounts are not offered. Source ↗Checked 2026-09-09
Minimum fuel spend
CFN and Voyager require average monthly fuel spending of $1,000 over the year. Source ↗Checked 2026-09-09
CFN cardlocks
3,000+ commercial fueling sites, with the program aimed primarily at western US routes. Source ↗Checked 2026-09-09
CFN + Retail Access
Adds 65,000+ gas stations and truck stops. Retail access can be enabled or disabled for individual cards. Source ↗Checked 2026-09-09
Voyager coverage
A nationwide network of major and independent fueling brands, with optional maintenance purchases. Check each stop for the fuel and vehicle access you need. Source ↗Checked 2026-09-09
How fuel is priced
CFN cardlocks use cost-plus or, in some areas, retail-minus pricing. Added retail sites charge the merchant pump price. Source ↗Checked 2026-09-09
CFN savings estimate
The advertised 35¢ per gallon is an estimate against average metro-area retail prices. Actual savings vary by place and time. Source ↗Checked 2026-09-09
Voyager rebates
Advertises 3–8¢ per gallon at selected brands, credited monthly. Eligibility requires an account in good standing and balances paid on time. Source ↗Checked 2026-09-09
Invoice fee
$3 per invoice for every program, charged per account billing period, rather than per card or fill-up. Source ↗Checked 2026-09-09
Billing period
3, 7, 15 or 30 days, depending on credit approval. Confirm the actual due dates offered to your business. Source ↗Checked 2026-09-09
Paying the invoice
ACH, EFT, wire, check or credit card, subject to approval. Credit-card payments carry a processing fee; its percentage is not published here. Source ↗Checked 2026-09-09
Credit assessment
The FAQ describes soft inquiries using business and/or personal credit information from Dun & Bradstreet and Experian. Source ↗Checked 2026-09-09
Late or unpaid balances
Late payment can interrupt service. P-Fleet may charge 1.5% monthly on unpaid balances after an account closes. Source ↗Checked 2026-09-09
Account commitment
Advertises no long-term commitment and cancellation at any time. Obtain the current agreement and settle outstanding charges. Source ↗Checked 2026-09-09
CFN purchase limits
Driver PINs, gallon and transaction limits, permitted fueling days and hours, plus retail-site lockouts. Source ↗Checked 2026-09-09
Fuel-type restrictions
CFN fuel-type blocking works at cardlocks. At retail sites, use product exception alerts or disable retail access; an alert does not prevent the purchase. Source ↗Checked 2026-09-09
Declined fueling attempts
A wrong PIN or pump error can count against a CFN daily transaction limit. Allow for a legitimate second attempt. Source ↗Checked 2026-09-09
Voyager purchase limits
Dollar limits by day, week or month, transaction limits, driver identification and permitted fueling times. Source ↗Checked 2026-09-09
Office reporting
Track purchases by driver or vehicle, assign accounting codes and export purchase data for office records. Source ↗Checked 2026-09-09
IFTA support
Provides fuel summaries for IFTA preparation. This is fuel reporting, not a promise to complete the entire tax return. Source ↗Checked 2026-09-09
Telematics connections
Voyager lists integrations including Geotab, Samsara, Azuga and Verizon Connect Reveal. Confirm compatibility with your setup. Source ↗Checked 2026-09-09
Maintenance purchases
Voyager can include maintenance access, subject to account approval. Fuel-only and maintenance-enabled cards serve different needs. Source ↗Checked 2026-09-09
Help at the pump
Advertises 24/7 help for most driver fueling problems. Account-service response times are not guaranteed. Source ↗Checked 2026-09-09
Fraud protection scope
The comparison describes protection for merchant skimming, excluding employee misuse of a valid card. Confirm account-specific claims requirements. Source ↗Checked 2026-09-09
Suitable stops
The U.S. Bank Voyager locator can filter for diesel, oversize vehicles, pay-at-pump and maintenance services. Source ↗Checked 2026-09-09

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REPORTED COSTS

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