Do I need to factor with RTS to use their fuel card?

No, but the card is designed to pair with RTS factoring. Without factoring, you pay a monthly fee and the fuel discounts are less competitive than standalone fuel cards like TCS. The real value proposition is the bundle.

Can factored funds go directly to the RTS fuel card?

Yes. When RTS purchases your invoices, the funded amount can be loaded directly to your fuel card for immediate use. This eliminates bank transfer wait times and gives you same-day access to fuel funds.

What truck stops accept the RTS Fuel Card?

The RTS fuel card is accepted at major chains including Pilot Flying J, Love's, and TA/Petro. Coverage at independent stops is more limited compared to TCS. Check the RTS fuel finder tool for specific locations on your routes.

How does the RTS fuel card compare to TCS?

TCS offers higher fuel discounts (10-55 vs 8-40 cents/gal), wider acceptance (1,900+ vs major chains), and no monthly fee. RTS is better only if you already factor with them and value the convenience of one provider and same-day fund access on your fuel card.

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RTS Fuel Card Review

Item: RTS Fuel Card
Rating: 3.9
Author: USA Trucker Choice

Best for: Factoring + Fuel Combo

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Network

Major chains + select independents

Discount Range

8-40 cents/gal

Transaction Fee

$1.00-2.00

Founded

2005

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Our Review

RTS is primarily known as a factoring company, but their fuel card offering provides a convenient way for carriers to combine factoring and fuel discounts under one provider. If you already factor with RTS, their fuel card adds value without adding another vendor relationship. The fuel discounts are decent (8-40 cents/gal) and the card works at major truck stops. Standalone, the fuel card is average — the real value is the bundled convenience with RTS factoring.

Pros

Convenient bundle if you already use RTS factoring — one provider, one dashboard
Factored funds can be loaded directly to the fuel card for same-day access
No separate monthly fee when bundled with an active RTS factoring account
Accepted at major truck stop chains and many independent locations
Transparent pricing with clear discount and fee schedules

Cons

Fuel discounts (8-40 cents/gal) are lower than dedicated fuel card competitors
Limited value as a standalone fuel card without RTS factoring
Technology platform and mobile app are less polished than TCS or Comdata
Network acceptance is narrower than TCS — fewer independent stops covered

Our Verdict

The RTS Fuel Card makes sense as a convenient add-on for carriers who already factor with RTS. The bundled experience — factoring funds loaded directly to your fuel card — is genuinely useful. As a standalone fuel card, it falls short of TCS, Comdata, and Pilot on discounts and network coverage. If RTS is your factoring partner, add the fuel card. If not, look at dedicated fuel card options first.

Reviewed 2026-03-01 | Updated 2026-03-06

IFTA Reporting
Fuel Discounts
Mobile App
Real-Time Alerts
Driver PIN Security
Online Dashboard
Purchase Controls
Emergency Fuel Advance

RTS Fuel Card Review

Our Review

Pros

Cons

Our Verdict

Pricing & Fees

Features

RTS Fuel Card FAQ