TCS Fuel Card Review: Uncovering the Benefits and Drawbacks

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Written By Randall Henson
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Fuel costs can have a significant impact on the bottom line for businesses in the trucking industry, and small fleets or independent owner-operators are always on the lookout for ways to save. One popular solution that has emerged is the TCS Fuel Card, a cash-secured fuel card designed specifically for truckers and fleets that offers substantial fuel discounts. This article will evaluate the TCS Fuel Card and delve into the potential benefits, drawbacks, and overall value it brings to those in trucking.

The TCS Fuel Card stands out from other fuel card options due to its cost-plus discount program, which can lead to significant savings. In fact, customers can reportedly save between 35 to 46 cents per gallon, translating to annual savings of up to $7,000 per truck. Along with competitive fuel discounts, TCS cardholders also enjoy a user-friendly mobile app, $0 transaction fees at over 1,500 in-network locations, and no activation, membership, monthly, or annual fees.

Throughout this article, we’ll investigate what users have to say about their experiences with the TCS Fuel Card. Utilizing both established user reviews and examining key features in detail will enable us to provide an informed perspective on the TCS Fuel Card’s effectiveness for the trucking industry, allowing you to determine if it’s the right fit for your business or individual needs.

TCS Fuel Card Overview

The TCS Fuel Card is a widely-used fuel card for truckers and fleets in the United States. It offers cost-saving benefits and easy fuel management solutions, making it a popular choice for trucking companies and independent truck drivers.

Discounts and Savings

The TCS Fuel Card provides significant savings on fuel, with a cost-plus discount compared to other popular cards that offer a retail-minus discount. TCS Fuel Card users can expect savings of 35 to 46 cents per gallon, with potential annual savings of up to $7,000 per truck. This is achieved by partnering with over 1,000 in-network fuel stations, where the average savings for drivers that stick to these approved fueling stations can be up to 63 cents per gallon.

Application Process

Applying for the TCS Fuel Card is simple and straightforward. You can apply online through their website or via their customer support line. After the application is submitted, TCS will review the information and inform you of your approval status. Once approved, you can start using the TCS Fuel Card at participating fuel stations and enjoy the cost-saving benefits.

Fee Structure

The TCS Fuel Card comes with a transparent fee structure. Apart from the potential savings on fuel, the TCS Fuel Card also offers additional features like fuel management solutions, controls on unauthorized expenses, and access to the TCS app for locating in-network fuel stations. Some fees associated with the TCS Fuel Card may include transaction fees, card replacement fees, and account maintenance fees. However, these fees are typically nominal and are often offset by the significant savings offered on fuel purchases.

Participating Locations and Discounts

The TCS fuel card offers discounts at a significant number of participating locations across the United States. It aims to provide cost savings for its users to help them manage their fuel expenses efficiently.

Among the leading chains where you can take advantage of TCS fuel card discounts are:

  • TA (TravelCenters of America)
  • Petro
  • Speedway
  • Love’s
  • Fuel City

The TCS fuel card allows customers to save on fuel costs at these participating in-network locations. The discounts vary depending on the chain, offering cost-plus discounts instead of the traditional retail-minus discounts. This pricing model can lead to significant savings, up to 35 to 46 cents per gallon. For a single truck, this can result in savings of up to $7,000 per year.

It is essential to understand that the discounts may differ depending on the specific location or station. However, the TCS fuel card generally provides consistently competitive discounts at these participating locations.

To manage and ensure easy tracking of fuel expenses and discounts, the TCS fuel card system also offers an account management website and mobile app. These tools provide real-time account updates, allowing users to keep track of their transactions and savings effectively.

In summary, the TCS fuel card offers its users discounts at an extensive range of participating locations, including well-known chains such as TA, Petro, AMBEST, Speedway, Love’s, and Fuel City. By providing cost-plus pricing and access to convenient account management tools, TCS aims to help its customers save money and manage fuel expenses with ease.

How TCS Fuel Card Works

The TCS Fuel Card is a cash-secured fuel card designed for truckers and fleets to help them save on fuel expenses. It offers various benefits, including fuel discounts and additional services like maintenance, roadside rescue, and fuel management.

Maintenance and Service Discounts

As a TCS Fuel Card user, you get access to discounts on maintenance and services at participating locations. The card ensures that truckers and fleet owners can keep their vehicles in optimal condition without breaking the bank. Some of the maintenance services included are:

  • Oil changes
  • Tire replacement and repair
  • Brake service
  • Engine diagnostics

These maintenance discounts not only save money but also ensure timely repairs, leading to less downtime and more efficient operations.

Roadside Rescue

In the event of a breakdown or emergency, TCS Fuel Card users can benefit from the Roadside Rescue service. This service ensures that help is available 24/7, so drivers can get back on the road as quickly as possible. Roadside Rescue covers situations such as:

  • Flat tire assistance
  • Jump start services
  • Lockout/lost key assistance
  • Fuel delivery

In addition to offering savings on fuel purchased at more than 1,500 in-network locations, the TCS Fuel Card also provides a user-friendly mobile app to manage your fuel card account. This app allows you to:

  • Locate the nearest fuel stations offering discounts
  • Monitor transactions in real-time
  • Set up security alerts
  • Track fuel usage and expenses

There are no additional fees for using the TCS Fuel Card, including activation, membership, monthly, or annual fees. To start using the card, simply apply online, sign the TCS Fuel Card Agreement, and wait for your cards to arrive by mail.

Fuel Card Account Management

Website and Mobile App

TCS Fuel provides a comprehensive account management website and mobile app for its fuel card clients. The platform allows carriers to manage their accounts on-the-go, offering real-time account updates and easy access to essential information. Some features of the website and mobile app include:

  • Access to the FREE TCS Fuel Finder to locate the best fuel prices in your area or along your route
  • Viewing personalized dashboard snapshots of your account
  • Checking current balances

Reporting and Analytics

TCS Fuel cardholders also benefit from reporting and analytics tools, making it easier to manage expenses and monitor overall fuel consumption. These tools help fleets run more efficiently and cost-effectively. Features related to reporting and analytics include:

  • Easy-to-understand, itemized statements for each account
  • IFTA reporting assistance, simplifying the tax process
  • Card management: Check card limits, issue one-time cash advances, and control purchase options

Utilizing these account management tools, TCS Fuel card users can optimize their fuel consumption and make better decisions for their fleet.

TCS Fuel Card Benefits

Security Features

The TCS Fuel Card provides enhanced security features for businesses and their drivers. One such feature is the use of Personal Identification Numbers (PINs) to ensure only authorized users can access the fuel card. This adds a layer of protection and prevents unauthorized access to the account.

Rewards Program

The TCS Fuel Card offers significant savings on fuel and other benefits, making it an attractive option for businesses with trucking fleets. Among these benefits are:

  • Fuel Discounts: With the TCS Fuel Card, users can save up to 63 cents per gallon on average at over 1,000 in-network fuel stations. This can amount to substantial cost savings, especially for businesses with multiple trucks on the road.
  • Cash-Secured Fuel Card: The TCS Fuel Card functions as a cash-secured card, ensuring there are always funds available for fuel purchases. This helps businesses manage their expenses better and avoid overspending on fuel.
  • Rewards Program: In addition to fuel discounts, TCS Fuel Card users can also enjoy various rewards, further enhancing the card’s value. Details of the rewards program may vary, so it’s essential to check the TCS Fuel website for the most up-to-date information.
  • Convenience: The TCS Fuel Card comes with a user-friendly mobile app, making it easy for drivers to find in-network fuel stations and get directions. This can save significant time and help drivers stay on route.
  • No Unnecessary Fees: TCS Fuel Card boasts no transaction fees at over 1,500 in-network locations and does not charge activation, membership, monthly, or annual fees. This allows users to fully enjoy the benefits without worrying about hidden costs.

In summary, the TCS Fuel Card offers various benefits to its users, including enhanced security features, significant fuel discounts, and an attractive rewards program. The card’s convenience and transparency make it a valuable tool for businesses with trucking fleets.

Comparison with Competitors


When comparing the TCS fuel card to EFS (Electronic Funds Source), there are several points to consider. While both fuel cards offer discounts at the pump and real-time reports, EFS does provide additional services like electronic payments, check processing, and invoice management that might be useful for larger fleets. However, it is worth noting that the TCS fuel card is generally more accessible and user-friendly, especially for smaller fleets.


The Comdata fuel card is another competitor to TCS that offers various discounts, real-time reporting, and account management tools. Comparatively, Comdata may have a more extensive network of participating fuel stations, giving fleets more options when it comes to refueling. However, the TCS fuel card does offer some advantages, like a user-friendly dashboard allowing for easy account maintenance. It is essential to weigh each card’s features and benefits according to specific fleet needs.


A popular alternative to the TCS fuel card for RV owners is the TSD fuel card. In the iRV2 forums thread, users have praised the TSD card for its ease of use, top-notch customer service, and better discounts. They consider the TCS card through FMCA to be more challenging to use, mainly due to the preloading process. As a result, some users have canceled the TCS card in favor of the TSD card. However, each card’s suitability heavily depends on individual preferences and specific requirements.

Customer Service and Support

The TCS Fuel Card prides itself on providing excellent customer service to its clients. With a dedicated account management team, they ensure that customer concerns and inquiries are promptly addressed. The account management website and mobile app ensure clients have real-time access to their account information, making it simple to track spending and manage transactions.

TCS Fuel also maintains an active presence on social media platforms like Facebook, where users can easily stay updated on news and promotions. They use their Facebook page to post essential updates about fuel prices, special offers, and industry news. Customers can also direct message the TCS Fuel team on Facebook should they need assistance with their accounts.

In addition to their digital customer service platforms, TCS Fuel Card users can expect to receive personalized support through phone and email. They offer 24/7 customer support, ensuring that help is always accessible whenever a cardholder might need it.

Stress-free access to assistance is crucial for truckers and fleet operators who often work long and irregular hours. TCS Fuel Card’s dedication to their clients’ satisfaction sets them apart from other fuel cards in the market.

In summary, the TCS Fuel Card provides its customers with comprehensive support and a variety of channels to access assistance, including phone, email, and social media platforms like Facebook. Their commitment to customer satisfaction and their real-time account management features create a seamless experience for users looking to save on fuel and manage their expenses.


In summary, the TCS Fuel Card offers significant savings and numerous benefits to its users. With cost-plus discounts, users can save 35 to 46 cents per gallon, leading to potential annual savings of up to $7,000 per truck.

The card’s versatility is another advantage, with discounts available at a wide range of locations. In addition, the card is easy to manage and secure, as the owner or operator can set parameters for its use.

While some users may initially encounter difficulties with loading the card, TCS seems to be a reliable option for owner-operators and fleet owners alike. Ultimately, those who opt for the TCS Fuel Card can expect a convenient and cost-effective tool for managing their fuel expenses.

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