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 Commercial fleet owners and drivers everywhere can benefit from cardlock. If you are in the trucking industry, you have probably already heard a great deal about cardlock. Signing up for cardlock is easy and has changed the way fleet owners across the nation conduct business, manage their finances, and track employee spending. MNOP often receives a lot of questions about cardlock and how it can benefit fleet businesses both large and small. Below, we’ve compiled the top questions we receive along with answers from our experts. If you are considering cardlock, but are still unsure of how your fleet business will benefit, keep reading!

What is Cardlock?

Cardlock systems operate similarly to credit cards. They are issued to truck drivers that travel a range of distances. Certain restrictions placed on the cards make it so that only a certain fuel type or amount of fuel can be purchased by drivers. Through an online platform, fleet owners can easily review driver spending data and review expenditures from their employees.

What are the Benefits of Cardlock?

There are numerous benefits to using cardlock systems. Here are just a few of the benefits you can expect when you upgrade to a cardlock system:

  • Save Time
    First and foremost, you can count on cardlock cards to save your drivers’ time. Instead of having to search for a fuel location that will accommodate fueling needs, easy online locators allow drivers to plan routes and find fuel locations that will accept cardlock. CFN (commercial fueling network) and Pacific Pride fueling locations are conveniently located in metropolitan cities and along major freeways. Fleet drivers can easily exit the freeway, fuel up, and hop right back on their routes in no time at all.
  • Save Money
    Cardlock systems are most often implemented to help companies save money. Fleet managers have a lot to worry about, and monitoring every last expenditure may not always be realistic. Cardlock restrictions can help give owners and managers peace of mind since unauthorized purchases are automatically restricted. With unnecessary expenses like soda, candy, and other gas station items being restricted, fleet companies end up saving a significant amount of money when they start using cardlock.
  • Limit Driver Purchases and Card Misuse
    With company credit cards or cash, it can be tempting for drivers to use these assets for personal purchases or non-business expenses. With cardlock, you can specify when and where cards can be used. Fleet owners can establish cardlock systems that only allow a certain type of fuel to be purchased, as well as the days and times when card usage is allowed. No matter how strict or lax you need your card restrictions to be, you are sure to gain peace of mind knowing that there will be no surprises on your business expenditures from month to month.
  • Analyze Fuel Usage
    Cardlock offers a way for managers to quickly view company-wide purchases from all the drivers in the fleet that use the cardlock system. This allows for better planning of trucking routes and fuel stops. Once the best routes and stops have been discovered for their fleets, managers can count on the most efficient and cost-effective workdays for their drivers.
  • Consolidated Billing with Online Integration
    In addition to analyzing purchases, fleet owners that use cardlock can benefit from online interfaces that are easy to navigate and understand. You will gain a variety of valuable information from cardlock data to help better your business and the overall driving experience for your workers. Through an easy-to-use web portal, owners can access all the information they need to make informed business decisions moving forward.

Marc Nelson Oil Products - A proud member of CFN - A FleetCor Company

What is the Difference Between Cardlock and Other Fuel Cards?

Cardlock cards are not the only option that fleet companies have. In fact, there are a number of different fuel cards that fleet owners can choose from. Here are some of the other fuel card options you might consider:

  • Fuel Credit Cards
    Commercial credit card vendors, such as Visa and MasterCard, give fleet companies the option to use fuel credit cards. Fleetcor, Comdata, and US Bank are just some examples of issuers that work with fleet companies to provide fuel credit cards. These cards operate just like traditional credit cards. They are restricted for use at gas stations only. However, they do not have the same user controls as cardlock cards, so specific purchases can’t be restricted. Even though they are useful for gas station purchases, it may be impossible for users to specify the type of gas that can be put on the card, as well as the restriction of food and drink purchases.
  • Universal Fuel Cards
    Universal fuel cards, unlike fuel credit cards, allow users to have more flexibility when it comes to restricting purchases. They are also universally accepted at most gas stations, just like their name implies. One of the downsides to these cards is their associated user fees. Traditionally, these universal fuel cards are used by large commercial fleets. Typical issuers of universal fuel cards include WEX and Voyager. Although they are easy-to-use and accepted at over 90% of fuel locations across the nation, they do not have nearly as many benefits as cardlock cards.
  • Major Gas or Oil Cards
    Gas or oil cards are specific to certain retailers. Gas companies will issue gas cards to commercial fleet owners so that their drivers can receive discounted fuel at their retail locations. Just like universal fuel credit cards, owners can implement certain purchase restrictions, as well as take advantage of fuel discounts. However, some of the downsides of these cards include only being able to use the gas card at specific locations, as well as expensive user fees. For some companies, the discounts afforded by these gas cards will not be enough to outweigh the service fees. Additionally, restricting employees to certain fueling locations may create problems for drivers.
  • OTR (Over the Road) Cards
    OTR cards are most popular for long-haul trucking companies. Similar perks can be expected with OTR cards compared to other fuel cards. However, OTR cards come with additional discounts for drivers at truck stops, such as reserved parking spaces, lounge and shower access, and discounts at restaurants. Even though these cards come with service fees, some fleet companies may find that these fees are well worth their costs thanks to the benefits their drivers receive.

Marc nelson oil provides commercial fueling systems with pacific pride

What is the Difference Between Cardlock and Business Credit Cards?

While some fleet companies may opt to use regular business credit cards for their fleet workers, these are generally not nearly as secure or cost-effective as cardlock cards. With traditional business credit cards, it may be impossible to restrict what types of purchases can be made. Cardlock allows owners to completely customize what purchases are authorized, as well as when and where. Traditional business credit cards usually don’t have these control options. Not to mention, business credit cards will come with user fees without offering any kind of fuel discounts or rebates.

How Many Cards Can I Have with a Cardlock System?

Typically, you can receive as many cards as you need once you sign up for cardlock. Most fleet owners opt to give all of their drivers cardlock cards, or they may associate each card with one particular vehicle. Regardless, you can customize the number of cards you require depending on your company’s needs and the number of drivers you have.

How Will Cardlock Improve My Fleet Business Overall?

With access to all of your driver spending data right at your fingertips, you can guarantee that none of your business dollars will be spent frivolously. Instead of handing over a company credit card or cash to your employees, you can have all of your driver purchases consolidated into one place. With accurate recording, spending restrictions, and an easy-to-use online interface to track your data, fleet owners can save both time and money. With cardlock implemented into your everyday business routines, you are sure to see your business improve.

How Do I Get Started with Cardlock?

If you are interested in cardlock, the best thing to do is give MNOP a call. We issue CFN and Pacific Pride cardlock cards to fleet owners in the Pacific Northwest. Our sign up process is simple! Continue reading to learn more details about how you can get your fleet started with cardlock ASAP.

Marc Nelson Oil in conjunction with the CFN Fleetwide Card

Sign-Up for Cardlock Through MNOP!

Are you ready to get started with cardlock? Contact MNOP today! If you have any questions about the perks of cardlock or would like to know more about how your business can benefit from signing up, let us know. Our industry professionals have helped countless fleet owners and managers revolutionize their businesses by implementing cardlock. We are always happy to help new customers and will ensure your business gets that most out of your new cardlock system.

To get started, fill out our cardlock sign-up application and email it to Or, mail in a completed application to our office at 1977 Claxter Road NE, Salem, OR 97301.

For more information, give us a call at (800) 523-7676.

Contact Us

We strive to make our customers as happy as possible by being the best supplier we can be and consistently exceeding their expectations. Our goal is to make our customers happy! Stop by and see us at any of our 11 locations in Oregon. We're proud to serve Gresham, Hillsboro, Salem and beyond!
Contact e-mail:
(503) 363-7676
1977 Claxter Road NE, Salem, OR 97301