What is a Business Fuel Card? A Complete Guide for UK Fleet Managers

By RAM Tracking on 21 Jan 2026

By Richard Howard, Sales Manager, RAM Tracking 

Managing fuel costs is one of the biggest challenges facing UK fleet operators. Business fuel cards offer a practical solution that can save your company up to 10p per litre whilst streamlining administration and improving financial control. 

What is a Business Fuel Card? 

Business fuel cards are payment cards issued to employees for purchasing fuel during work-related travel. Unlike personal credit cards, fleet fuel cards provide automated expense tracking, significant cost savings, and complete visibility over your fuel spend. 

Here's how it works: drivers simply present the fuel card at bp petrol stations when refuelling. The transaction is recorded automatically, and the discount is applied at the pump, so drivers don’t need to keep hold of their fuel receipts. 

Key Benefits of Company Fuel Cards 

1. Significant Fuel Savings 

With RAM Tracking, you’ll get a free fuel card which gives you exclusive discounts at over 1,400 bp fuel stations across the UK. Customers who choose our Plus package save 10p per litre, every time they refuel. On our Core package, you’ll save 5p per litre. Unlike other fuel cards which are charged at a fixed rate, these discounts are guaranteed at every bp station across the UK. 

For a typical fleet of 8 vehicles covering 20,000 miles annually, this translates to over £3,000 in annual fuel savings. 

2. Streamlined Administration 

Fuel cards remove the need for manual fuel reimbursements and paper receipts. With receipt capture built into the driver app, fuel purchases are logged automatically, cutting out the admin work that can take operations managers 10 to 15 hours each week. 

All transactions are stored digitally, making month-end reconciliation quicker and more accurate. This frees up time to focus on running and growing your business, instead of chasing paperwork. 

3. Enhanced Fleet Security 

Fuel cards come equipped with security features that protect your business: 

  • PIN authentication at the point of sale 

  • Transaction authorisation requirements 

  • Real-time spending alerts 

  • Driver-specific cards that prevent unauthorised usage 

This increased security protects your business from fuel card fraud and allows you to monitor what each driver is spending and when they are refuelling.  

Complete Fleet Visibility with Integrated Fuel Card Management 

When combined with fleet management software, fuel cards become even more powerful. You can view vehicle location, mileage, and fuel spend together in one platform, giving you the insight needed to reduce waste, prevent misuse, and control costs more effectively. 

This combined view allows you to: 

  • Track fuel efficiency by vehicle and driver. See which vehicles consume the most fuel and identify drivers who need coaching on fuel-efficient driving. Spot patterns like excessive idling or aggressive acceleration that drain your fuel budget. 

  • Catch unauthorised fuel purchases immediately. Get instant alerts when fuel cards are used outside normal working hours or at unusual locations. Cross-reference card transactions with GPS data to verify every fill-up matches vehicle location. 

  • Separate private mileage from business use. RAM's private mileage tracking shows exactly when drivers use vehicles for personal trips. Match this data with fuel card transactions to ensure you're not paying for personal fuel. 

  • Prevent fuel theft before it costs you thousands. Compare fuel card purchases against actual mileage covered. If a vehicle shows 50 litres purchased but only drove 200 miles, you'll spot it instantly.  

Take Control of Your Fuel Costs 

Fleet management isn't just about tracking vehicles anymore. It's about managing the fuel costs and administrative burden that directly impact your profitability. 

Accurate fuel tracking, spending visibility, and driver behaviour monitoring become essential capabilities as fuel prices fluctuate. The data you're collecting today shapes your costs tomorrow. 

Want to understand your potential savings before committing? Our team can help you analyse your fleet's fuel consumption patterns and identify opportunities to cut unnecessary costs. 

Contact us for your free no-obligation quote to see how we can help you stay cost-effective, organised, and in complete control of your fleet fuel spending. 

About The Author  

Richard Howard brings nearly a decade of front-line sales experience at RAM Tracking, having supported businesses across diverse sectors with their fleet management and asset tracking needs.  

Throughout his nine years with RAM, Richard has developed a comprehensive understanding of the operational challenges that trades and field service businesses face daily. His client-first approach focuses on matching the right technology solutions to real-world problems, helping fleet operators gain better visibility, control costs, and protect valuable assets.  

When he's not helping businesses optimise their fleets, Richard is a passionate traveller who loves exploring new destinations, experiencing live music, and discovering great food wherever he goes.  

Frequently Asked Questions 

How much can I save with RAM Tracking fuel cards? 

Fleet managers save10 pence per litre at bp stations with our Plus packages. For a fleet of 6-8 vehicles, this translates to £3,000-£3,600 in annual fuel savings, plus 10-15 hours per month saved on administration. 

Do fuel cards work with RAM's fleet tracking system? 

Yes. RAM Tracking bp fuel cards integrate directly with our GPS fleet management system, giving you complete visibility over fuel spending, vehicle locations, and driver behaviour in one platform. 

How long does it take to set up fuel cards? 

Setting up fuel cards is quick and simple: 

  1. Provide basic information – number of cards and driver or vehicle details. 

  1. Delivery – cards usually arrive within 10 working days. 

  1. Activation – once received, cards are ready to use immediately. 

You can also add or remove drivers and manage cards at any time through the bp online portal. 

What happens if a fuel card is used unauthorisedly? 

You'll get instant alerts when cards are used outside normal working hours or at unusual locations. Cross-reference these alerts with GPS data to verify legitimate usage. 

Which fuel stations accept RAM Tracking fuel cards? 

RAM Tracking fuel cards are accepted at over 1,400 bp petrol stations across the UK network. You can also use your fuel card at thousands of Texaco, Esso, and Gulf stations, but for transactions at these locations, you will be charged pump price. 

How do I prevent drivers using fuel cards for private mileage? 

RAM's private mileage tracking shows exactly when vehicles are used for personal trips. Match this data with fuel card transactions to identify and address any misuse. 

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