Earnify Fleet

Card platform and WEX integration

The Earnify Fleet Card is issued on the WEX processing network, one of the largest commercial payment platforms in the United States. This foundation gives the card access to WEX's established relationships with fuel retailers, its transaction-processing infrastructure, and its data-capture capabilities at the point of sale. When a driver swipes or inserts the Earnify Fleet Card at a pump, the WEX platform records detailed Level III transaction data including the number of gallons dispensed, the fuel grade selected, the price per gallon, and the station identifier. This depth of information feeds directly into the Earnify Fleet reporting dashboard, where fleet managers can analyze fuel card transactions without relying on paper receipts or manual data entry.

Because the card carries Mastercard functionality, it is accepted at approximately 95 percent of all U.S. gas stations, including independent and unbranded locations that fall outside the in-network footprint. This universal acceptance ensures that fleet vehicles are never left without a fueling option, even on routes that pass through areas with limited bp or TA presence. The Mastercard rails also enable the card to be used for authorized non-fuel purchases when fleet policy permits, though administrators retain full control over which merchant categories are allowed through configurable authorization rules.

Savings structure and promotional pricing

The Earnify Fleet savings model operates on two parallel tracks. The first is a standard in-network rebate of up to 7 cents per gallon on fuel purchased at bp, Amoco, Thorntons, TA, Petro, and TA Express locations. This rebate is applied automatically at the time of purchase, requiring no action from the driver beyond choosing an in-network station. The second track is the earnify rewards program, a free opt-in program that adds an additional 5 cents per gallon in savings when drivers fuel at participating in-network sites. Together, the two tracks deliver a combined ongoing savings rate of up to 12 cents per gallon, a figure that can materially reduce annual fuel expenses for fleets with consistent in-network fueling patterns.

For new accounts, Earnify Fleet offers a promotional rate of 15 cents per gallon in savings during the first six months. This introductory period is designed to offset the switching costs associated with moving from an existing fleet card provider, including the administrative effort of distributing new cards, updating driver instructions, and reconfiguring expense reporting workflows. The promotional rate applies at in-network locations and provides an immediate, measurable return that fleet managers can use to justify the transition. After the promotional period ends, the standard 7 cents per gallon rebate plus the 5 cents rewards layer continues to deliver meaningful gas savings relative to retail pricing at the fuel network.

The tiered savings approach also serves a behavioral purpose. By separating the standard rebate from the rewards program, Earnify Fleet creates two distinct value propositions: one for the business, which captures the per-gallon rebate as a direct cost reduction, and one for the driver, who earns personal reward points through the earnify program. This separation aligns incentives at both levels of the organization, encouraging fuel budgeting discipline from management and in-network compliance from vehicle operators simultaneously.

Earnify rewards program

The earnify rewards program is a distinguishing feature of the Earnify Fleet Card ecosystem. Unlike traditional fleet fuel discount programs that direct all savings to the business entity, the earnify program creates a parallel benefit stream for individual drivers. When a driver fuels at an in-network station, they accumulate personal reward points in addition to the business's per-gallon rebate. These points are earned automatically and belong to the driver, creating a personal financial incentive to choose bp, Amoco, Thorntons, TA, Petro, or TA Express stations over competing brands or unbranded locations.

From the fleet operator's perspective, the rewards program functions as a behavioral nudge tool. The persistent challenge in fuel management is ensuring that drivers actually fuel at designated in-network locations rather than choosing the nearest or most convenient station regardless of cost. Penalty-based approaches, such as restricting cards to in-network-only acceptance, can create operational friction when drivers encounter route conditions that make in-network fueling impractical. The earnify rewards program takes the opposite approach, using positive reinforcement to encourage the desired behavior without removing the flexibility of universal acceptance. The result is higher in-network fueling rates, which translates to greater aggregate savings for the business while drivers enjoy tangible personal benefits.

The program is offered at no additional cost to either the business or the driver, removing the budgetary friction that might otherwise discourage enrollment. Fleet administrators can track rewards program participation and in-network fueling percentages through the reporting dashboard, giving them visibility into how effectively the incentive structure is driving behavioral compliance across the vehicle fleet.

Spending controls and card security

The Earnify Fleet Card platform provides comprehensive spending controls that allow fleet administrators to define usage parameters at the individual card level. These controls include dollar-amount limits per transaction, restrictions on the days and times a card can be used, product-category filters that limit authorized purchases to fuel and approved maintenance categories, and geographic restrictions where applicable. The Mastercard authorization infrastructure enforces these rules in real time, declining transactions that fall outside the configured parameters before the purchase completes.

Administrators also have the ability to deactivate individual cards immediately when a card is reported lost, an employee departs the organization, or transaction monitoring reveals patterns consistent with misuse. This instant deactivation capability is a core element of the platform's card security framework, reducing the window of exposure between the detection of a problem and the prevention of further unauthorized use. Combined with spending limits and category controls, the deactivation feature gives fleet managers a layered defense against both external fraud and internal policy violations.

The spending and driver analytics capabilities built into the platform extend beyond simple transaction monitoring. Fleet managers can review per-driver spending patterns over time, identify outliers whose fuel consumption deviates significantly from fleet averages, and cross-reference fueling frequency against expected fleet operations schedules. These analytics transform raw transaction data into actionable intelligence for expense management, helping organizations move from reactive cost control to proactive spend optimization across the entire fleet fuel solutions program.

Reporting and fleet analytics

Earnify Fleet provides a real-time reporting dashboard that captures granular detail on every transaction processed through the platform. Each record includes the station name and location, the fuel type and volume purchased, the price per gallon, the total transaction amount, and the driver or card identifier associated with the purchase. This level of detail supports automated expense reporting, eliminating the need for drivers to submit paper receipts and reducing the administrative burden on accounting teams.

Beyond transaction-level reporting, the platform offers cash flow analytics that help fleet managers understand spending patterns over time. These tools visualize fuel expense trends by week, month, or custom date range, making it easier to identify seasonal fluctuations, detect unexpected spending spikes, and forecast future fuel budget requirements. The analytics also break down spending by in-network versus out-of-network stations, giving managers a clear picture of how effectively the fleet is capturing available discounts and rewards.

Real-time alerts complement the reporting dashboard by notifying administrators of specific events as they occur. These alerts can be configured for high-value transactions, purchases outside normal business hours, transactions at unusual locations, or any other criteria that the fleet manager defines. The alert system operates alongside 24/7 customer service support, ensuring that issues identified through fuel usage monitoring can be addressed immediately regardless of when they arise. This continuous monitoring capability is particularly valuable for fleets operating across multiple time zones or running overnight routes where driver and expense tracking must function without direct managerial oversight.

Network coverage and fueling flexibility

The Earnify Fleet in-network footprint spans more than 8,000 locations operated under the bp, Amoco, Thorntons, TA, Petro, and TA Express brands. This network includes both retail gas stations serving passenger vehicles and light-duty fleet vehicles, as well as travel center locations operated by TA and Petro that cater to heavy-duty diesel fleet fueling operations. The inclusion of TA and Petro in the network is particularly relevant for long-haul and regional trucking fleets, as these locations typically offer high-speed diesel dispensers, large parking areas, and driver amenities that smaller retail stations cannot match.

Outside the in-network footprint, the card's Mastercard acceptance extends coverage to approximately 95 percent of all U.S. fuel stations. This broad acceptance ensures fueling convenience regardless of geography, route variability, or emergency refueling needs. The universal coverage is especially important for small business fleets that may not have the operational predictability to guarantee in-network fueling on every trip. Drivers retain the flexibility to fuel wherever operational necessity dictates, while the rewards and rebate structure provides a financial incentive to choose in-network stations whenever possible.

Fleet managers can use the fuel card app and reporting tools to monitor the ratio of in-network to out-of-network fueling across their fleet. This metric serves as a key performance indicator for efficiency in the fueling program: higher in-network percentages correlate directly with greater per-gallon savings. By identifying drivers or routes with low in-network fueling rates, managers can adjust routing guidance, relocate fuel stops, or provide targeted coaching to improve compliance, all without restricting the universal acceptance that ensures operational flexibility across the entire operation.

See also

• Fuel cards — overview of fuel card programs for commercial fleets