AtoB vs Mudflap (2026)
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Quick answer
Pick Mudflap if you’re a new authority or want zero fees: the app is free with debit or ACH, and its Visa fleet card lists no monthly, annual, swipe or per-card fees. Pick AtoB if you want a broader card with telematics and IFTA tools: it averages 42¢/gal off diesel but charges a $35 setup fee and needs 3 months of revenue for credit.
Key takeaways
- AtoB: average 42¢/gal off diesel (up to 84¢), $35 setup fee, needs EIN, license and 3 months of revenue proof. A prepaid option approves near-instantly.
- Mudflap: free app with a 6-digit fuel code good for 24 hours; credit card payments in the app add 1.9%.
- Mudflap’s fleet card lists no monthly, annual, swipe, program, sign-up or per-card fees.
- Both offer IFTA help: AtoB reporting and Mudflap’s free IFTA report.
AtoB vs Mudflap at a glance
| Item | What they say | Source |
|---|---|---|
| AtoB diesel discount | Average 42¢/gal, up to 84¢ | source |
| AtoB fees | $35 setup; late fee 3% (min $35); $3 per active card in its comparison | source |
| AtoB credit | EIN, license, 3 months revenue; 1–7 days; prepaid near-instant | source |
| Mudflap app | Free with debit/ACH; 1.9% with credit card; code valid 24 hrs | source |
| Mudflap fleet card | Visa; no monthly, annual, swipe or per-card fees | source |
| Mudflap stations | Includes AMBEST, Roady’s, Casey’s, Road Ranger, Sapp Bros. | source |
| Mudflap IFTA | IFTA-ready receipts and free IFTA report | source |
| New authority | Mudflap has a new-authority program | source |
What stands out
- Mudflap: no card fees and no credit needed to start with the app.
- AtoB: wide acceptance, telematics links and reports to Experian to build business credit.
- AtoB’s FuelMap premium stops save an average of 21¢ more, per AtoB.
What to watch
- Mudflap discounts only apply at its partner stations; there’s no DEF discount yet.
- AtoB charges $35 to set up, and its credit line needs 3 months of revenue.
- AtoB’s per-card fee is shown with an asterisk, so confirm your plan’s cost.
Frequently asked questions
Is AtoB or Mudflap better for a new authority?
Mudflap is easier to start: the app needs no credit and is free with debit or ACH. AtoB’s credit line needs 3 months of revenue, though its prepaid option approves near-instantly.
How much does AtoB save on diesel?
AtoB says its cardholders save an average of 42¢/gal on diesel, up to 84¢, and 5¢ on unleaded.
Does Mudflap charge fees?
The Mudflap app is free with debit card or ACH; paying by credit card adds 1.9%. Its fleet card lists no monthly, annual, swipe, program, sign-up, per-card or out-of-network fees.
Do they help with IFTA?
Yes. Mudflap emails IFTA-ready receipts and offers a free IFTA report. AtoB offers IFTA reporting with its card.