Nomad vs. AtoB: Which Fleet Fuel Card is Right for Your Business?
Choosing a fuel card affects your fleet's margins every single day. Nomad and AtoB both promise savings, but they take different approaches, whether you're a small business running a few trucks or one of the larger fleets running hundreds. Choosing the right one depends on how your fleet operates.
At a Glance
| Category | Nomad | AtoB |
|---|---|---|
| Countries | United States and Canada | United States. AtoB does not publish Canadian coverage |
| Card | Nomad-branded closed-loop fleet card, issued on the WEX and Comdata networks. One card for the US and Canada | AtoB-issued open-loop Mastercard, issued by Celtic Bank or CFSB |
| Spend controls | Enforced by the fuel network at the pump: product and gallon limits, driver ID and PIN, unit and odometer prompts, time-of-day windows, geo-fences | Merchant whitelist and blacklist, category restrictions, daily and weekly limits, operational hours, Secure Card Unlock |
| Discounted network | 2,000+ truck stops across North America with directly negotiated pricing, published daily by site. Also accepted wherever Comdata and EFS are accepted, 20,000+ locations in total | Accepted anywhere Mastercard is accepted. 30,000+ fuel stations and 4,200+ truck stops, with discounts at 60,000+ locations |
| How your price is set | Cost-plus: rack cost plus a fixed amount, published daily by site | A discount off the posted price at participating stations |
| Published savings | $0.70 per gallon average off retail across the Nomad client base | 42 cents per gallon realized average for H2 2025, marketed as 45 cents average and up to $2.00 |
| Stop optimization | Route Optimizer, included with the account. Prices the whole lane against your contracted price, IFTA tax, MPG and tank level | AtoB FuelMap, a station price comparison tool. AtoB claims an average of 21 cents per gallon saved |
| Fraud | AI agents score each swipe live against telematics location and correlated signals | Secure Card Unlock, telematics proximity validation, fuel level reporting, and a $250,000 Fraud Prevention Guarantee |
| IFTA | Jurisdiction mileage tracking, IFTA-ready exports, IFTA-aware fueling recommendations | IFTA reporting support |
| Cash flow | Nomad Pay, invoice factoring native to the platform | Trip Credit advances, plus a separate factoring-partner program |
| Best for | OTR and cross-border carriers who want contracted pricing, fuel management and factoring on one platform | US fleets that value universal Mastercard acceptance and integrated driver pay |
Where Each Card Is Accepted
AtoB relies on the standard Mastercard network, so drivers can fill up at everyday gas stations as well as truck stops.
At Nomad, we negotiate pricing directly at 2,000+ truck stops across the U.S. and Canada, with published, site-level pricing you can check daily. The card is also accepted wherever Comdata and EFS are accepted, more than 20,000 locations in total. You do not trade away flexibility. Instead, you trade unpredictable retail prices for guaranteed savings at the stations your drivers actually use.
If your fleet crosses the U.S. and Canada border, this is the deciding factor. While AtoB does not publish Canadian coverage, Nomad's discounted network runs across both countries on one card, with cross-border pricing, IFTA and exchange rates handled in the same platform.
Fuel Discounts: Nomad vs AtoB
On paper, AtoB advertises a discount of 45 cents per gallon on average, with a realized average of 42 cents per gallon for H2 2025 and up to $2.00 per gallon at some sites. The real comparison is what you actually keep after fees take their cut.
AtoB's Flex plan charges $15 per month for the first five cards and $3 for each additional card, plus a $35 setup fee. The Unlimited plan charges $3 per active card per month. On a fleet running more than a handful of cards, those fees add up before a single gallon is pumped.
At Nomad, our pricing is cost-plus: your rack cost plus a fixed amount, published daily by site so you can audit every fill. Monthly card fees are $0, with a $7.50 transaction fee outside the discounted network. Setup fees are being finalized with our team, so ask your Nomad representative for current details.
Nomad fleets average $0.70 per gallon off retail across our client base. That figure varies by lane, network and state, so ask for a breakdown on your actual routes to our representative.
Monthly Fees, Setup Costs and Hidden Charges
Nomad's no-fee, no-deposit model is built specifically to avoid compounding cost, the tradeoff being a smaller discount-network sticker price.
| Category | Nomad | AtoB |
|---|---|---|
| Monthly card fee | $0 | $15/month for the first 5 cards, then $3 per additional card (Flex). $3 per active card per month (Unlimited) |
| Setup fee | No setup fee | $35 |
| Optional add-ons | None | Premium features, $3/month |
| Transaction / out-of-network fee | $7.50 | AtoB states no transaction or out-of-network fees |
Fraud Protection and Spend Controls
Both providers claim to take fuel theft and fraud seriously, but their execution is entirely different.
Data vs. answers
Lock by default, claim after the fact
Nomad
Real-time intelligence, before money is gone
Our AI-powered platform proactively flags unauthorized fills, unapproved locations, and limit overages the exact moment they happen, before they ever become a pattern.
Nomad Pay
Beyond Fuel: Factoring and Cash Flow
This is where the two products diverge the most. AtoB is a fuel and expense card, full stop. It doesn't offer invoice factoring or freight-finance tools.
Nomad Pay is embedded factoring, built natively into the same platform as your fuel card. Because your trip and fuel data already live in Nomad, invoice verification is automated and funding moves faster, without the back-and-forth of managing a separate factoring company. Fuel and factoring live on a single dashboard, so you are not logging into two systems to see where your cash stands.
Automated invoice verification
Funding moves faster
One dashboard
Nomad vs AtoB: The Verdict
Fleet owners and fleet managers tend to land on different sides of this depending on their priorities.
Choose AtoB if:
Choose Nomad if:
Frequently Asked Questions
Does Nomad work in Canada?
Yes. Nomad runs one program across the United States and Canada, including cross-border pricing, exchange rates and IFTA. AtoB does not publish Canadian coverage.
Which card has the bigger fuel discount?
AtoB averages 42¢ off per gallon, while Nomad averages 70¢. But since every fleet runs different routes, general averages only tell part of the story. Send us 90 days of your fuel transactions, and we’ll run the numbers on your actual stops to show exactly what your fleet would pay.
Does Nomad have monthly fees like AtoB?
No. Nomad charges no monthly fees and requires no deposit to join its network.
Do I have to replace my fuel cards to use Nomad?
Yes! Your drivers will swap to a new Nomad-branded card. It runs on the WEX and Comdata networks, so it's accepted anywhere Comdata or EFS. It automatically unlocks your custom price at over 2,000 truck stops across North America.
Is Nomad’s route optimizer an extra cost?
Get a fuel and factoring breakdown built around your actual routes and fuel volume. No commitment required.
See what your operation looks like when it’s actually working for you
Call us: 1-844-416-6623 or Email us: support@nomad.io. We actually answer.
