With fuel costs consuming 25% of fleet operating budgets and exceeding $2.25 per mile, every fleet manager faces the same critical challenge: controlling fuel expenses without sacrificing operational efficiency. The wrong fleet fuel card provider can cost your business thousands in missed savings annually, while the right choice transforms fuel management from a headache into a competitive advantage.
The best fleet fuel card provider depends on your fleet size, coverage needs, and monthly fuel volume, but leading providers offer 95% station coverage with rebates reaching 25¢ per gallon. Smart fleet managers are saving an average of $1,569 annually per vehicle by choosing the right commercial fuel cards.
This comprehensive guide analyzes the top 9 fleet card providers, reveals hidden costs that impact your bottom line, and provides proven selection criteria. You’ll discover implementation strategies that deliver ROI within your first month of use.
What Makes the Best Fleet Fuel Card Provider in 2026?
Essential Features Every Top Provider Must Offer
The best fleet fuel management starts with non-negotiable features that separate professional-grade providers from basic options. Real-time transaction tracking gives you instant visibility into every fuel purchase, while driver-specific PINs prevent unauthorized usage.
Level III data capture at 99.5% of locations ensures you receive detailed information including gallons purchased, price per gallon, and exact location. This granular data powers accurate fleet tracking and expense reporting.
Purchase controls must include time-of-day restrictions, transaction limits, and fuel-type specifications. The ability to instantly freeze compromised cards and set custom alerts for suspicious activity protects your business 24/7.
Network Coverage vs. Rebate Rates: Finding the Right Balance
Universal fleet gas cards boasting 95% coverage might offer lower rebates (1-3¢/gallon) compared to branded cards offering 25¢/gallon at specific locations. The math reveals surprising truths about total savings potential.
A fleet averaging 5,000 gallons monthly saves $1,500 annually with universal 3¢ rebates at any station. The same fleet using branded cards with 15¢ rebates but 60% fewer locations might save less due to route deviations and lost productivity.
Consider your routes carefully. Local fleets with predictable patterns benefit from higher branded rebates, while national operations need universal acceptance to maintain efficiency.
Hidden Costs That Separate Good from Great Providers
Beyond advertised rebates lurk fees that dramatically impact your actual savings. Setup fees range from $0-50, while monthly per-card charges vary from free to $8. Transaction fees at non-network locations can add $1-2 per fill-up.
Late payment penalties reaching $50 and interest rates exceeding 20% APR punish poor cash flow management. Some providers require minimum monthly volumes to maintain rebate rates, effectively penalizing smaller fleets.
The truly exceptional providers offer transparent pricing, waive setup fees for qualified businesses, and provide grace periods for payment. They understand that helping your business succeed ensures their own growth.
Security and Fraud Prevention Standards
Fleet fuel card fraud costs businesses millions annually, making security features critical selection criteria. Top providers employ multi-layer protection including real-time transaction monitoring, GPS verification, and anomaly detection algorithms.
Modern cards feature EMV chips and tokenization technology that renders stolen card numbers useless. Integration with telematics systems enables location-based authorization, preventing cards from working outside designated areas.
Look for providers offering customizable fraud rules, instant mobile alerts, and zero-liability policies. The best fleet management fuel cards make security invisible to drivers while providing fortress-like protection for your business.
Top 9 Best Fleet Fuel Card Providers Ranked & Reviewed
WEX Fleet Card – Best Overall Provider (95% Coverage)
WEX dominates the fleet card market by combining massive network coverage with competitive rebates and enterprise-grade features. Their 185,000-location network means drivers rarely detour for fuel, maintaining productivity while accessing savings.
The tiered rebate structure rewards volume with up to 15¢/gallon at WEX EDGE Network locations and 3¢/gallon elsewhere. Small fleets start at lower tiers but still save significantly compared to retail prices. WEX’s $4 monthly card fee is offset by savings after just 27 gallons.
Key Features:
- 24/7 U.S.-based customer support
- Mobile app with station finder and price comparison
- Real-time purchase alerts and controls
- Integration with major fleet management platforms
- Hotel and maintenance discounts through EDGE network
The primary drawback is exclusion of major truck stops from highest rebate tiers, impacting long-haul operations. However, for mixed fleets needing maximum flexibility, WEX remains the gold standard.
Fuelman – Best for Customizable Fleet Solutions
Fuelman’s three-tier system (Basic, Pro, Enterprise) adapts to growing businesses better than one-size-fits-all competitors. Starting at 40,000+ network locations, Fuelman focuses on providing exactly what each fleet needs without unnecessary complexity.
The Fuelman Mastercard option provides universal acceptance for businesses needing maximum flexibility. While rebates max out at 12¢/gallon, the customizable controls and reporting features excel at preventing fuel expense waste.
Standout Benefits:
- No setup fees across all tiers
- Maintenance tracking integration
- Customizable dashboard per fleet role
- Fuel-only restriction options
- Automated IFTA reporting assistance
Monthly fees reach $99 for enterprise features, making Fuelman pricier for smaller operations. However, fleets managing complex operations find the investment pays dividends through operational efficiency.
Edenred Essentials – Best for Multi-Purpose Fleet Expenses
Edenred revolutionizes fleet expense management by combining fuel savings with comprehensive vehicle expense tracking. As a Visa-backed solution, it works everywhere while maintaining fleet-specific controls and reporting.
The rebate structure starts modestly at 1¢/gallon but reaches 4¢ for high-volume users. Casey’s General Stores offer an additional 4¢/gallon, benefiting Midwest fleets significantly. The real value emerges from consolidated expense management.
Unique Advantages:
- Pay for tolls, parking, and maintenance on one card
- Free Costco membership ($60 value)
- Bilingual app and support (English/Spanish)
- EV charging compatibility
- No fuel purchase surcharges
Small fleets struggle to reach volume tiers for better rebates. The lack of station price comparison tools means drivers can’t optimize fuel costs as easily as with WEX or similar providers.
Comdata – Best Fleet Card App & Truck Stop Rebates
Comdata targets professional trucking operations with massive rebates at major truck stops. Savings between 7¢-25¢/gallon at TA, Pilot Flying J, and Love’s make this the obvious choice for over-the-road operations.
The DRIVEN FOR COMDATA app sets the gold standard for driver tools, featuring real-time fuel price mapping, parking availability, and CAT Scale integration. Drivers save time while managers maintain complete visibility.
Premium Features:
- RFID tags for touchless fueling
- 65% discount on tires through partner network
- Integrated hotel and parking discounts
- Fuel finder with price optimization
- Direct integration with ELD systems
Higher fees ($8/card monthly plus $50 setup) and limited 15,000-station network restrict Comdata to dedicated trucking operations. Local fleets find better value elsewhere, but OTR operations can save thousands annually.
Multi Service Fuel Card – Best for Small Trucking Fleets
Since 1978, Multi Service has specialized in supporting owner-operators and small trucking fleets with generous credit terms and personalized service. Their collective buying power negotiates discounts typically reserved for mega-fleets.
The mobile app displays real-time fuel prices across their network, helping drivers make cost-effective decisions. Account managers actively negotiate location-specific discounts, creating unique savings opportunities for regular routes.
Unlike corporate competitors, Multi Service provides dedicated account managers who understand small fleet challenges. This high-touch approach helps new trucking businesses establish credit and optimize fuel spending strategies.
Shell Business Card – Best No-Fee Option
Shell’s redesigned Business Card eliminates all fees while maintaining competitive rebates up to 6¢/gallon. The simplified structure appeals to small fleets avoiding complex fee calculations and minimum volume requirements.
The 13,000-station Shell network provides solid coverage along major routes. Integration with WEX’s backend systems brings enterprise features like real-time tracking and spend controls to smaller operations.
Cost-Saving Features:
- Zero setup, monthly, or annual fees
- 20% discount at Jiffy Lube locations
- Pay-at-pump convenience
- Station locator app with pricing
- No minimum gallon requirements
Limited to Shell stations only, this card forces route compromises in areas with sparse Shell coverage. Fleets needing universal acceptance must choose Shell’s Flex option with added fees.
ExxonMobil BusinessPro – Best Rewards Program
ExxonMobil transforms fuel purchases into a comprehensive rewards ecosystem. Beyond 6¢/gallon rebates, drivers earn Rewards+ points redeemable for personal fuel savings, convenience store items, and car washes.
The 12,000+ station network includes 800 commercial diesel locations, supporting both light-duty and heavy commercial operations. Synergy Diesel Efficient fuel provides documented 2% fuel economy improvements for compatible engines.
East Coast concentration makes this ideal for regional operations, while sparse West Coast coverage limits national fleets. The rewards program’s driver appeal helps with retention in tight labor markets.
AtoB Fleet Card – Highest Diesel Rebates
AtoB disrupts traditional pricing with diesel savings up to $1.85/gallon through their proprietary discount network. The app-centric approach requires drivers to check prices before fueling but delivers unmatched savings for compliant teams.
Advanced fraud prevention includes GPS verification and dynamic tank-level authorization. The system prevents both external fraud and internal misuse more effectively than traditional PIN-based systems.
Technology advantages:
- Telematics integration for fuel optimization
- Instant factor payment options
- Automated IFTA calculations
- Free credit reporting to build business credit
- No hard credit check for qualification
Discount availability depends entirely on app usage and network participation. Fleets unable to enforce driver compliance miss significant savings opportunities, making training critical for ROI.
Coast Fleet Card – Best Visa-Backed Option
Coast combines Visa’s universal acceptance with fleet-specific features typically found only in closed-loop systems. The 10¢/gallon rebate at designated stations exceeds many restricted cards while maintaining anywhere-acceptance flexibility.
Automated expense categorization simplifies bookkeeping and tax preparation. Real-time transaction monitoring includes intelligent alerts that learn your fleet’s patterns, reducing false positives while catching actual anomalies.
The strict payment terms requiring full monthly balance payment may strain cash flow for growing fleets. However, businesses maintaining consistent cash positions benefit from premium features without traditional fleet card restrictions.
Fleet Fuel Card Comparison: Quick Decision Matrix
| Provider | Network Size | Max Rebate | Monthly Fee | Best For | Credit Required |
| WEX | 185,000 (95%) | 15¢/gal | $4/card | Universal coverage | 690+ |
| Fuelman | 40,000+ | 12¢/gal | $0-99 | Customization | 650+ |
| Edenred | Visa network | 4¢/gal | $3/card | Multi-expense | 600+ |
| Comdata | 15,000 | 25¢/gal | $8/card | Trucking | 650+ |
| Multi Service | Nationwide | Negotiated | Varies | Small trucking | Flexible |
| Shell | 13,000 | 6¢/gal | $0 | No fees | 670+ |
| ExxonMobil | 12,000+ | 6¢/gal | $0-2 | Rewards | 690+ |
| AtoB | Mastercard | $1.85/gal | Varies | Max diesel savings | 600+ |
| Coast | Visa network | 10¢/gal | $0 | Flexibility | 700+ |
Universal vs. Branded Cards: Which Saves More?
Universal cards provide unmatched convenience with 90-95% station coverage, eliminating route planning around fuel stops. Average rebates of 3¢/gallon seem modest but apply everywhere, creating consistent savings without operational disruption.
Branded cards restrict options but deliver premium rebates. A Shell fleet card saving 6¢/gallon at 13,000 locations beats universal 3¢ savings if Shell stations align with your routes. The key lies in analyzing actual versus theoretical coverage.
Calculate potential savings by mapping current routes against brand networks. If 80% of fuel stops occur at branded locations, the higher rebates offset coverage limitations. Otherwise, universal cards prevent productivity losses from fuel detours.
Credit Requirements and Approval Rates by Provider
Fleet card approval depends heavily on business credit scores, with most providers requiring 650-700+ for standard terms. However, alternative qualification methods help newer businesses access fuel savings programs.
Some providers offer prepaid options or secured cards for businesses building credit. Multi Service Fuel Card specifically supports new trucking businesses with flexible underwriting considering revenue and contracts over credit scores alone.
WEX and major providers typically approve established businesses faster but show less flexibility for startups. Building business credit through proper financial management and exploring free business checking accounts strengthens future applications.
Real Cost Analysis: Fees vs. Savings Calculator
Understanding true savings requires calculating total costs including all fees and operational impacts. A fleet consuming 5,000 gallons monthly must evaluate each provider’s complete financial picture.
Example Calculation (5,000 gallons/month):
- WEX: (5,000 × $0.03) – ($4 × 10 cards) = $110 monthly savings
- Shell: (5,000 × $0.06) – $0 fees = $300 monthly savings
- Comdata: (5,000 × $0.15) – ($8 × 10 cards) = $670 monthly savings
These calculations assume all gallons qualify for maximum rebates. Real-world savings typically reach 60-80% of theoretical maximums due to non-network purchases and varying rebate tiers.
How to Choose the Best Fleet Fuel Card Provider for Your Business?
Small Fleet (1-10 vehicles) Selection Criteria
Small fleets benefit most from no-fee cards with modest rebates and minimal administrative burden. Shell Business Card’s zero fees and straightforward rebates create immediate savings without complex calculations.
Focus on providers offering low minimum requirements and flexible payment terms. Avoid cards requiring high monthly volumes for rebate qualification, as small fleets rarely reach these thresholds consistently.
Consider your growth trajectory when selecting providers. Starting with scalable solutions like WEX or Fuelman’s tiered programs prevents disruptive switches as your fleet expands. Integration with mobile fueling companies may provide additional convenience for depot-based operations.
Medium Fleet (11-50 vehicles) Optimization Strategies
Medium fleets unlock volume-based rebates while maintaining operational flexibility. This sweet spot allows negotiation leverage without enterprise-scale complexity. Focus on providers offering dedicated account management and customizable programs.
Implement driver training programs to maximize rebate capture and minimize non-network purchases. The cost of one training session pays for itself through improved compliance and reduced fuel waste within weeks.
Evaluate integration capabilities with existing fleet management systems. Seamless data flow between fuel cards and maintenance tracking multiplies operational efficiency beyond fuel savings alone.
Large Fleet (50+ vehicles) Negotiation Tactics
Large fleets command premium treatment from providers eager for high-volume accounts. Never accept published rates—every element from rebates to fees becomes negotiable at scale.
Request custom proposals from multiple providers, emphasizing your monthly volume and growth projections. Providers often waive all fees and enhance rebates for fleets guaranteeing minimum volumes.
Consider enterprise features like virtual cards, automated reconciliation, and API access. These advanced capabilities streamline administration while providing granular control over hundreds of transactions daily.
Industry-Specific Recommendations
Trucking Operations: Prioritize Comdata or Multi Service for maximum truck stop rebates and driver amenities. Integration with trucking bookkeeping software simplifies IFTA compliance and expense tracking.
Construction Fleets: Choose universal cards accommodating off-road diesel purchases and varied equipment types. Fuelman’s reporting separates on-road and off-road fuel for accurate tax filing.
Service Fleets: Local operations benefit from branded cards with concentrated coverage areas. Shell or ExxonMobil cards work well when technicians operate within defined territories.
Delivery Operations: Flexibility matters most for unpredictable routes. WEX or Visa-backed options ensure drivers never search for accepting locations during time-sensitive deliveries.
Maximizing Savings with Your Fleet Fuel Card Provider
Advanced Rebate Stacking Strategies
Sophisticated fleet managers layer multiple savings strategies beyond basic rebates. Combining fleet cards with loyalty programs, cash-back business credit cards for non-fuel purchases, and strategic routing multiplies savings potential.
Time fuel purchases around price cycles, typically lower mid-week and higher weekends. Large fleets scheduling deliveries can save 2-3% through timing alone, adding thousands to annual rebate savings.
Partner with providers offering secondary discounts on maintenance, hotels, and supplies. WEX EDGE network’s tire discounts and hotel savings create value beyond fuel, improving total cost of ownership.
Driver Training for Maximum Card Benefits
Driver behavior determines rebate capture rates more than any other factor. Comprehensive training covering approved locations, purchase procedures, and security protocols prevents savings leakage.
Create visual guides showing preferred stations along common routes. Mobile apps displaying real-time prices and rebate amounts encourage optimal purchasing decisions without micromanagement.
Essential Training Topics:
- PIN security and fraud prevention
- Approved vs. non-approved locations
- Mobile app usage for price optimization
- Receipt handling and expense reporting
- Consequences of policy violations
Gamification through driver savings competitions creates engagement while improving compliance. Publishing monthly savings leaders motivates continued optimization without punitive measures.
Integration with Fleet Management Software
Modern fleet fuel management requires seamless data flow between cards and operational systems. API integration eliminates manual entry while providing real-time visibility into fuel efficiency metrics.
Connected systems automatically flag anomalies like excessive fuel purchases indicating potential theft or maintenance issues. This proactive approach prevents small problems from becoming expensive failures.
Leading providers offer pre-built integrations with popular fleet management platforms. Evaluate compatibility during selection to avoid expensive custom development or manual workarounds limiting scalability.
Common Mistakes That Cost Thousands Annually
Ignoring Non-Network Purchases: Even 10% of purchases outside rebate networks significantly reduces average savings. Monthly audits identifying pattern violations enable corrective action.
Reactive Card Management: Waiting for monthly statements to review transactions misses fraud and policy violations. Real-time monitoring through dashboards and alerts prevents losses before they compound.
Single-Provider Dependence: Some fleets benefit from multiple providers for different use cases. Long-haul trucks might use Comdata while service vehicles carry Shell cards, optimizing each segment separately.
Underutilizing Technology: Providers invest heavily in mobile apps and management portals. Fleets using only basic features miss efficiency gains that multiply fuel savings through better operations.
2026 Fleet Card Market Updates & Emerging Trends
New Providers and Market Disruptions
Technology-first providers like AtoB challenge traditional pricing models through app-based dynamic discounting. These disruptors force established providers to enhance digital capabilities and revisit fee structures.
Walmart’s planned 45-station expansion signals potential fleet card market entry. Their scale could reshape pricing expectations if they leverage buying power similar to their retail operations.
Regional providers consolidate to compete with national networks, creating opportunities for improved local service with expanded coverage. Watch for acquisition announcements that might affect your current provider relationships.
EV Charging Integration and Future-Proofing
Forward-thinking providers already integrate EV charging networks into their platforms. Edenred and WEX lead this transition, recognizing that fleet electrification requires unified expense management across fuel types.
Mixed-fuel fleets need cards supporting both traditional fueling and EV charging without separate systems. Providers offering seamless transitions position themselves as long-term partners for evolving fleets.
Consider providers’ EV roadmaps when making selections. Even primarily diesel fleets today may operate electric vehicles within typical 3-5 year contract terms.
Mobile Fueling Services Integration
On-site fueling services eliminate driver downtime and fuel theft opportunities. Progressive fleet card providers partner with mobile fueling companies to offer integrated billing and reporting.
This convergence allows single-source expense management whether vehicles fuel at traditional stations or receive depot delivery. Fleets operating from central locations save significantly through mobile fueling partnerships.
Evaluate providers offering or planning mobile fueling integration. This capability becomes increasingly valuable as driver wages rise and productivity pressures intensify.
Regulatory Changes Affecting Fleet Cards
Department of Transportation regulations increasingly require detailed reporting for commercial vehicles. Fleet cards providing automatic compliance reports reduce administrative burden while ensuring accuracy.
State-level environmental regulations push fleets toward cleaner fuels and electric vehicles. Providers supporting alternative fuel reporting and carbon tracking help fleets demonstrate compliance and environmental responsibility.
Tax law changes affect fuel card rebate treatment and reporting requirements. Working with providers offering robust tax documentation simplifies compliance while maximizing available deductions and credits.
Implementation Guide: From Application to First Savings
Pre-Application Credit Optimization
Business credit scores significantly impact approval odds and terms offered. Review credit reports from all three bureaus, disputing errors that might lower scores unnecessarily.
Pay down existing credit utilization below 30% before applying. High balances signal cash flow stress to underwriters, potentially triggering denials or unfavorable terms even with good payment history.
Credit Preparation Checklist: ✓ Obtain free business credit reports ✓ Dispute any reporting errors ✓ Pay down high credit balances ✓ Document steady revenue streams ✓ Gather two years of financial statements ✓ List trade references ✓ Calculate monthly fuel spending ✓ Prepare driver list with license information ✓ Document vehicle details (make, model, VIN) ✓ Review and understand terms and conditions
Negotiating Better Terms with Providers
Armed with competitive quotes, approach preferred providers for matching or beating offers. Sales representatives have significant flexibility, especially for fleets representing steady monthly volume.
Emphasize long-term partnership potential rather than focusing solely on rebates. Providers value stable accounts and may enhance terms for commitments exceeding one year.
Request trial periods or performance guarantees. Some providers offer 90-day satisfaction guarantees or will match competitor rebates if their service disappoints. These protections reduce switching risks.
Rolling Out Cards to Your Fleet
Successful implementation requires coordinated communication, training, and support. Rushed rollouts create confusion, policy violations, and missed savings opportunities that persist for months.
Create a phased approach starting with pilot groups before full deployment. This identifies issues while maintaining operations, allowing refinements before wide-scale problems emerge.
Establish clear policies covering authorized purchases, locations, and procedures. Written policies signed by drivers create accountability while protecting against misunderstandings leading to termination disputes.
Monitoring and Optimization Systems
Implement dashboard reviews within 48 hours of go-live to catch early issues. Daily monitoring during the first month establishes baselines and identifies training gaps requiring immediate attention.
Schedule monthly optimization reviews analyzing rebate capture rates, non-network purchases, and unusual patterns. Continuous improvement approaches consistently find 5-10% additional savings through refined procedures.
Create automated reports for stakeholders showing savings achieved, policy compliance, and optimization opportunities. Regular communication maintains support for the program while highlighting its business value.
Frequently Asked Questions About Fleet Fuel Card Providers
What Credit Score Do I Need for the Best Fleet Fuel Card Provider?
Most premium fleet card providers require business credit scores of 670-700 for standard approval. However, alternative qualification methods help newer businesses access fuel savings programs without perfect credit.
Providers like Multi Service and AtoB consider revenue, contracts, and industry experience alongside credit scores. Secured or prepaid options from major providers offer paths to build credit while accessing fuel discounts immediately.
Focus on providers matching your current credit profile rather than facing repeated denials. Building positive payment history with flexible providers enables future upgrades to premium programs.
Can Fleet Fuel Cards Work with Electric Vehicles?
Modern fleet fuel cards increasingly support EV charging networks alongside traditional fueling. Edenred, WEX, and other forward-thinking providers already integrate major charging networks into their platforms.
Unified billing across fuel types simplifies expense management for mixed fleets. Drivers use the same card and PIN whether filling diesel tanks or charging batteries, maintaining consistent procedures.
Verify specific charging network coverage before committing to providers. The EV infrastructure expands rapidly, but coverage varies significantly by region and charging speed requirements.
How Do Fleet Card Rebates Actually Work?
Fleet card rebates operate through negotiated discounts between providers and fuel retailers. Providers pass portions of these negotiated savings to customers based on volume tiers and network participation.
Rebates typically appear as statement credits rather than pump price reductions. This post-purchase model maintains retail pricing integrity while delivering savings to qualified fleet accounts.
Understanding rebate timing prevents cash flow surprises. Most providers credit rebates monthly, but some delay credits until payment clearing. Factor this timing into working capital calculations.
What’s the Difference Between Fleet Cards and Business Credit Cards?
Fleet cards offer specialized controls and reporting impossible with standard business credit cards. Purchase restrictions, driver PINs, and detailed Level III data create accountability and prevent misuse.
Business credit cards provide rewards and flexibility but lack fuel-specific features. They work anywhere but can’t restrict purchases to fuel only or capture detailed vehicle and driver information automatically.
Many fleets combine both tools strategically. Fleet cards handle fuel purchases while business cards cover other expenses, maximizing rewards while maintaining fuel purchase controls.
Which Fleet Card Provider Has the Largest Network?
WEX and other universal providers leveraging Visa or Mastercard networks offer the most extensive coverage at 95% of U.S. stations. This translates to approximately 185,000 locations accepting these cards.
Branded networks vary significantly, from Shell’s 13,000 stations to regional chains with limited coverage. Truck stop networks like those served by Comdata offer fewer locations but concentrate along commercial routes.
Consider effective coverage rather than total numbers. A thousand stations along your routes provides better value than ten thousand in areas you never travel.
Conclusion
Selecting the best fleet fuel card provider transforms fuel management from a necessary expense into a strategic advantage. The right choice delivers immediate savings averaging 15% while providing tools to optimize operations beyond fuel purchases.
Remember that the “best” provider varies by fleet size, vehicle types, and operational patterns. Universal cards excel for maximum flexibility, while branded options deliver premium savings for predictable routes. Your specific needs determine optimal selection.
Take action today by comparing providers against your fleet’s unique requirements. Use our insights to negotiate better terms and implement systems capturing maximum value. Most fleets see positive ROI within their first billing cycle.
The difference between average and optimized fleet fuel management often exceeds $1,500 per vehicle annually. Don’t let another month pass without capturing these savings—your bottom line will thank you.