Mudflap vs TCS Fuel Card: App Discounts vs a Cash-Secured Card
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Mudflap and TCS both promise big diesel discounts without monthly fees, but they work differently. Mudflap is an app that discounts fuel when you pay through it, and TCS is a prepaid card you load with your own money. That changes how you budget, how drivers pay and what your IFTA paperwork looks like.
Short answer
- Mudflap fits if you want discounts without opening a card account.
- TCS Fuel Card fits if you want a dedicated fuel card with spending limits.
- Starting price in our directory: Mudflap Contact for pricing; TCS Fuel Card $0/mo (no monthly or annual fees).
Mudflap vs TCS: side by side
| Mudflap | TCS Fuel Card | |
|---|---|---|
| What it is | Discount app (plus a separate fleet card) | Cash-secured (prepaid) fuel card |
| Fees | Free app | $0 activation, membership, monthly or annual fees; $0 in-network transaction fees |
| Discount claim (vendor) | Cost-plus discounts up to $1.00/gal | Average 49¢/gal in-network (Q1-Q3 2026 client transactions) |
| Discount network | 3,600+ in-network truck stops | 2,300+ in-network locations |
| Accepted at | Card accepted at 70,000+ stops | 12,000+ locations, never above cash price |
| Credit check | App: no application, credit check or gallon minimums; Mudflap Card: weekly credit line | None needed: you prefund the card |
| How you pay | Your own debit or credit card in the app | Load funds by ACH, debit/credit card, Zelle, Comchek, Western Union and more |
| Platform | Mudflap | Runs on EFS or Comdata platforms |
| Records for IFTA | Not stated | Itemized fuel statements “ideal for IFTA reporting” |
| Our directory’s “best for” | Owner-operators | 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 Mudflap makes more sense
- You want discounts without opening a card account.
- You already pay with your own business card.
- Mudflap’s network covers your regular stops.
When TCS Fuel Card makes more sense
- You want a dedicated fuel card with spending limits.
- You prefer to prepay and avoid credit.
- You want itemized statements for IFTA.
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 Mudflap or TCS cheaper?
Does TCS need a credit check?
What about AtoB?
Sources
- Mudflap home page (checked Oct 31, 2026)
- TCS Fuel home page (checked Oct 31, 2026)
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