When you’re running a business or managing a fleet, keeping fuel costs under control is essential. With so many fuel card options available, it can be difficult to know which type offers the best value. One of the most common comparisons we see is between supermarket fuel cards and premium network cards such as BP, Shell, or Esso.
At first glance, supermarket cards seem like the cheaper choice. But is it really that simple? In this guide, we’ll break down the key differences – from fuel price and quality to network coverage and business benefits to help you choose the right card for your needs.
Understanding supermarket fuel cards
Supermarket fuel cards allow businesses to refuel at major UK supermarket forecourts such as Tesco, Morrison’s, Asda and Sainsbury’s. They’re popular with smaller fleets and local businesses that want straightforward access to low-cost fuel.
Learn more about supermarket fuel cards for UK businesses.
The key benefits of supermarket fuel cards:
Competitive pricing: Supermarkets are known for offering some of the lowest pump prices on the market.
Wide availability: Thousands of supermarket forecourts across the UK make it easy to find a station nearby.
No complex tariffs: You typically pay the pump price, making costs easy to track and understand.
Example use case:
A local delivery company that operates regionally and regularly passes supermarkets might find these cards ideal – they help cut costs while keeping admin simple.
Understanding premium fuel cards
Premium network cards like BP, Shell, or Esso are designed for fleets that value consistency, network reach, and additional services beyond the pump.
Explore and compare all our fuel cards
Key benefits:
Fixed weekly pricing: Many premium cards offer a set weekly rate, which can protect you from sudden pump price fluctuations.
Extensive network: Thousands of forecourts, including motorway and HGV-accessible sites, keep fleets on the move.
Fuel quality and performance: Premium fuels often contain cleaning additives that can improve efficiency and engine health.
Additional services: Access to tools like HMRC-approved invoices, spend tracking, and integration with fleet management systems.
Example use case:
A national logistics fleet travelling long distances on motorways would benefit from the stability and network coverage that premium cards offer.
Fuel price comparison: Why is supermarket fuel cheaper?
One of the biggest questions businesses ask is:
“Why is supermarket fuel cheaper?”
Supermarkets use fuel as a way to attract customers into their stores, often selling it at reduced margins. Premium networks, meanwhile, invest heavily in forecourt infrastructure, high-grade additives, and network maintenance, which affects their pricing.
However, cheaper doesn’t always mean better. If your vehicles travel long distances or run on diesel, better-quality fuel could improve your miles per gallon (MPG) and reduce long-term maintenance costs.
Find the nearest supermarket fuel station near you
Fuel quality: Is supermarket fuel bad?
Let’s clear this up – supermarket fuel isn’t bad.
All UK fuel must meet the same British standards for quality and safety. However, premium fuels (such as BP Ultimate Diesel or Shell V-Power) include higher levels of detergents and additives that clean engines and can improve efficiency over time.
For older or high-mileage vehicles, this can make a noticeable difference. But for light commercial use or local driving, supermarket fuel is more than sufficient.
In short:
Supermarket fuel: Great for cost savings and everyday driving.
Premium fuel: Better for engine care, performance, and long-term efficiency.
Network coverage and accessibility
When it comes to fleet management, network coverage matters just as much as price.
Supermarket networks: Offer great coverage in towns and cities, but are often limited on motorways or rural routes.
Premium networks: Include motorway service stations, truck stops, and 24-hour sites, ideal for national or mixed fleets.
If your drivers regularly travel long distances, a premium card ensures fewer detours and less downtime searching for a station.
Business benefits beyond the pump
Fuel cards aren’t just about the price per litre – they are about control, convenience, and clarity.
Premium cards often come with additional tools and benefits such as:
Detailed reporting to track fuel spend by vehicle or driver.
Security features that prevent misuse or theft.
Consolidated billing to simplify VAT reclaims.
For businesses managing multiple drivers or vehicles, these features can save hours of admin every month and improve cost visibility.
Which fuel card is right for you?
Fleet Type | Recommended Fuel Card | Why It Works |
Small local business | Supermarket Fuel Card | Easy access, competitive pump prices, simple budgeting. |
Regional fleet | Mixed Network Card | Flexibility to refuel at both supermarkets and branded sites. |
National fleet or HGV operation | BP or Shell Fuel Card | Consistent pricing, motorway coverage, and premium-grade fuel. |
Still unsure which suits your business best? Compare all fuel cards with Right Fuel Card
Final thoughts
Choosing between supermarket and premium fuel cards depends on how and where your business operates.
If low upfront costs and local routes are your priority, supermarket cards offer simplicity and savings. But if you need nationwide coverage, fuel efficiency, and advanced reporting tools, premium cards can deliver better long-term value.
Whichever you choose, the key is to pick a card that supports your operational goals and makes managing fuel spend easier – not harder.
Explore our fuel card options to find your perfect match today.
