Comdata vs EFS (Fleet One): Fuel Card Plans, Discounts & Fees Compared
We are an independent directory. Prices and terms below come from each vendor’s own website on the date shown, and they change often, so confirm before you sign. Some outbound links are affiliate links and are always labeled; they never change what we include or how we order it. Disclosure.
Comdata and EFS are the two big legacy truck-stop payment networks, and many newer fuel cards run on top of one of them. For a small carrier the choice usually comes down to which chains you fuel at, because both publish discounts by chain and both have fine print about fleet size.
Short answer
- Comdata fits if you fuel mostly at TA/Petro, where Comdata’s published discounts are largest.
- EFS / Fleet One (WEX) fits if you run up to 50 trucks and want one discount program (Fleet One EDGE).
- Starting price in our directory: Comdata $0 monthly account fee; EFS / Fleet One (WEX) Contact for pricing.
Comdata vs EFS: side by side
| Comdata | EFS / Fleet One (WEX) | |
|---|---|---|
| Card for small fleets | Simple Saver, Smart Fleet, Total Advantage, Comdata MAX | Fleet One EDGE Card (for fleets with up to 50 trucks) |
| Monthly / truck-stop fees | Simple Saver: $0 monthly account fee; $0 truck-stop fee on all four plans | No fuel transaction fees at 4,000+ in-network sites; out-of-network fee may apply |
| Published diesel discounts | Up to 25¢ at TA/Petro and 8¢ at Pilot and Love’s (Simple Saver); up to 40¢ at TA/Petro and 10¢ at Pilot (Total Advantage) | Discounts at 4,500+ sites in the WEX EDGE network (amount varies by site) |
| Acceptance | 8,000+ truck stops in the Comdata network | Accepted at 12,000+ truck stops |
| Fine print | Advertised discounts for fleets of 20 trucks or fewer; requires paying invoices in full and on time | EDGE discounts at Pilot Flying J, TA/Petro and AMBEST subject to merchant approval |
| Fuel + factoring | Comdata MAX: up to 50¢ at TA and 20¢ at Pilot, with factoring | Factoring through WEX Capital |
| Bigger-fleet option | Custom offers above 20 trucks | EFS Fleet Card and EFS Fleet Mastercard for mid to large fleets |
| Our directory’s “best for” | Owner-operators & small fleets | Owner-operators & small fleets |
From each company’s own website (see sources below), checked October 31, 2026. We have not tested either product, and neither company paid for this comparison.
When Comdata makes more sense
- You fuel mostly at TA/Petro, where Comdata’s published discounts are largest.
- You want a $0 monthly account fee plan.
- You run 20 trucks or fewer (the advertised discounts apply).
When EFS / Fleet One (WEX) makes more sense
- You run up to 50 trucks and want one discount program (Fleet One EDGE).
- You want tire, hotel and wireless discounts in the same program.
- You need driver cash, MoneyCodes and settlement tools (EFS Fleet Card).
Free tool: Estimate your IFTA fuel tax →
See every option in Fuel Cards, where you can tick up to three and compare them side by side.
Related comparisons
Frequently asked questions
Is Comdata the same as EFS?
Which is better for an owner-operator?
Do these cards need a credit check?
Sources
- Comdata home page (plans, discounts, footnotes) (checked Oct 31, 2026)
- Fleet One EDGE Card (WEX) (checked Oct 31, 2026)
- EFS Fleet Card (WEX) (checked Oct 31, 2026)
- EFS / Fleet One home (checked Oct 31, 2026)
Spotted something out of date? Email hello@truckingstack.com and we will fix it.