Even small improvements in fuel strategy can lead to significant savings, especially for owner-operators and small fleets. That’s why Keystone Equipment Finance Corp. partnered with TransConnect Services (TCS) to offer the Keystone Fuel Card. The fuel card is designed not just to cut fuel costs but also to provide better control, security, and simplicity in daily operations.
If your annual mileage is 100,000, at 6.2 miles per gallon, the number of gallons used is 16,129. If you calculate fuel savings using the average discount for transactions reported in Q1 of 2026, you could save $8,226 per truck, per year.
That money could be redirected toward maintenance, insurance, equipment upgrades, or simply keeping more cash on hand. For fleets with multiple trucks, the impact multiplies quickly.
Keystone provides a fuel card with some of the highest per-gallon savings because they have partnered with some of the biggest fuel and truck stop companies across the U.S. and Canada.
The Keystone Fuel Card has no activation, membership, monthly, or annual fees. And, when you fill up at more than 2,000 locations, there are no fees associated with the use of the card. The discount price is the price you pay, and the fees don't add up.
In-network locations include*:
Fuel efficiency gains in trucking have been modest over the last several years. According to data from the Federal Highway Administration, the average tractor‑trailer continues to achieve approximately 6.2 miles per gallon, while box trucks average about 7.6 MPG under typical operating conditions. At the same time, the American Transportation Research Institute (ATRI) reports that fuel accounts for approximately 18–22% of total trucking operating costs, remaining one of the industry’s largest variable expenses.
With efficiency gains limited and margins tight, where you choose to fuel can make a significant difference.
Fuel savings often come down to preparation. The TCS Fuel Finder mobile app helps drivers and fleet managers identify in-network fueling locations and compare prices before stopping.
Instead of making fueling decisions at the last possible moment, drivers can plan ahead, fuel more intentionally, and avoid higher‑priced stops along the way. Over time, this small adjustment in daily habits can compound into significant savings, especially for trucks running consistent routes or high weekly miles.
As fuel cards have become more widely used, fuel fraud has continued to rise. Skimming devices, stolen card numbers, and unauthorized use are persistent threats that can quickly erase hard‑earned savings. In many cases, fraud isn’t discovered until after funds are already gone.
The Keystone Fuel Card features Dynamic Prompt, a security tool from TCS that helps prevent fraud. Instead of depending solely on static card details, Dynamic Prompt requires drivers to generate a one-time authorization code via the TCS app or IVR system before fueling. Each code has a short expiration time and can only be used once. This added layer of verification helps ensure fuel purchases are legitimate.
Customers can fund their Keystone Fuel Card using several methods, including ACH or wire transfer. They can also use Zelle®, debit or credit cards, or digital wallets.
In the case of payment posting fees, for the Keystone Fuel Card, when you fund your cash-secured card via ACH (Automated Clearing House), which is a direct bank-to-bank transfer of funds, there are no payment posting fees.
This flexibility allows fleets and owner‑operators to align fuel funding with how they already manage incoming revenue and expenses.
Fuel costs aren’t just about what’s spent at the pump. They’re also about how easily that spending can be tracked and reported. The secure online portal provides account balances, fuel spend across trucks and drivers, and detailed, itemized statements that break fuel purchases down by state and jurisdiction. This structure makes IFTA reporting easier to manage and supports better budgeting and operational oversight.
Additional Perks
The Keystone Fuel Card comes with additional benefits and perks, including point-of-sale discounts at the pump, and automatic discounts on tires, service, and maintenance at TA Truck Service Centers (when you give your DOT Number during payment). And because it's easy to find the nearby TA Truck Service Centers by using the TCS Fuel Finder app, you can easily schedule preventive maintenance, tire changes, and repairs in advance, and along your route.
Trucking is a 24/7 business, and issues don’t always arise during normal office hours. With the Keystone Fuel Card, customers have access to around‑the‑clock customer service, including bilingual support in English and Spanish. Whether a driver needs assistance at the pump or a fleet manager has an urgent account question, help is readily available.
The Keystone Fuel Card gives owner‑operators and fleets a practical way to manage fuel costs more effectively and operate with greater confidence. To see how much you could save, learn more about the Keystone Fuel Card.