Fleet fuel cards have become synonymous with fleet management for many businesses relying on vehicles for their operations. Fleet cards help reduce fuel costs and streamline fuel purchasing, while reinforcing control, security and efficiency.
With fuel-related expenses ranking among the top operational costs for fleets, implementing a robust security infrastructure is critical. Phillips 66®, Conoco® and 76® fuel cards offer a suite of features specifically designed to mitigate fraud, enhance visibility and ensure safe usage.
When drivers are aware that their purchase activity is being tracked, it helps foster a culture of accountability and reduces the likelihood of misuse or fraud.
Real-time Data and Customizable Controls to Curb Unauthorized Spending
Phillips 66®, Conoco® and 76®have teamed up to offer two incredible fleet cards. The Business Fleet and Business Universal fuel cards deliver real-time control over spending, helping businesses prevent misuse and maintain accountability across drivers and locations. Every purchase is captured in real-time. All information that would typically be on a receipt is recorded in a fleet card dashboard. This gives fleet managers immediate access to data points such as:
- Date and time of purchase
- Location of purchase
- Total fuel volume
- Transaction amount
- Driver ID
- Odometer readings
When drivers are aware their purchase activity is being tracked, it helps foster a culture of accountability and reduces the likelihood of misuse or fraud. When you combine real-time data with purchase controls, fleets experience even greater levels of security.
Administrators can set customized purchase controls, including:
- Per-transaction or daily fuel limits
- Authorized fueling hours
- Zip code or state restrictions
- Number of transactions per day
Setting transaction limits ensures drivers use cards within approved parameters, limiting opportunities for unauthorized or after-hours purchases. These controls are accessible via a centralized dashboard, streamlining policy enforcement.
PIN and Odometer Readings for Transaction-level Authentication
Fuel card programs are essential components of a secure, data-driven fleet strategy.
Each transaction made using a Business Fleet or Business Universal card requires a Personal Identification Number (PIN). This ensures only authorized personnel can access and use the card, creating an auditable trail linked to each user. To raise the level of security even more, employees must also enter odometer readings at the fuel pump before a purchase is authorized. Businesses can easily monitor a driver’s purchase habits, detect anomalies and hold specific users accountable for suspicious activity.
Advanced Tracking with Telematics Integration
Phillips 66®, Conoco® and 76®cards can be integrated with GPS tracking and telematics solutions, adding another layer of security. By combining fuel purchase data with real-time vehicle location and driver behavior analytics, fleet managers can:
- Verify fuel purchases align with job locations.
- Prevent unauthorized detours or side jobs.
- Detect high-risk driving behaviors like speeding, harsh braking or idling.
This integration helps boost operational transparency and reduces the risk of vehicle theft and fraudulent fuel usage.
Secure Online Account Management and Reporting
Security extends beyond physical card usage. With secure online portals, users can manage accounts, set alerts and generate detailed transaction reports. These reports offer valuable insights into fuel consumption, suspicious spending patterns and card activity, enabling fleet managers to act swiftly on potential fraud signals. Customizable dashboards allow for scheduled email alerts and exception reporting to flag out-of-policy behavior immediately.
Location Restrictions and Geofencing
To further enhance security, businesses can implement geofencing tools via GPS-enabled tracking systems. These tools alert managers when a vehicle enters or exits predefined zones, such as authorized fuel locations or job sites. Combined with fuel card data, this makes it easy to detect fuel purchases made outside authorized areas — a common fraud red flag. This feature ensures vehicles and drivers stay within operational boundaries, promoting both safety and efficiency.
Card Deactivation and Instant Response Features
If a card is lost, stolen or compromised, fleet managers can instantly deactivate it through the online management system. This rapid-response capability minimizes the window of vulnerability and limits potential losses. Replacement cards can be ordered immediately, maintaining continuity in fleet operations without sacrificing security.
Enhanced Security through EMV Chip Technology
Phillips 66®, Conoco® and 76® cards support EMV chip-enabled transactions at select locations, providing another layer of transaction security. EMV chips generate unique transaction codes, making it significantly harder for criminals to clone cards or execute skimming attacks — a critical advantage over traditional magnetic stripe cards.
Driver Performance Monitoring with Fuel Usage Data
Beyond security, fleet fuel cards offer insights that help track and improve driver behavior. By analyzing fuel efficiency data, idle time, and purchase patterns, managers can identify potential fuel theft, inefficient routing, or engine abuse. This dual focus on security and performance creates a safer and more cost-efficient fleet environment.
Fuel Rebates and Discounts
Both the Business Fleet and Business Universal fleet cards offer fuel rebates of up to 7¢ per gallon at over 7,500 Phillips 66®, Conoco® and 76® branded fuel stations. Beyond direct savings at the pump, these cards include access to discounts on fleet-related expenses such as tires, auto parts and hotels.
Comprehensive Protection for Fleet Investments
The security features embedded in Phillips 66, Conoco and 76 fleet cards go far beyond traditional fuel purchasing. From transaction-level PIN validation to real-time GPS tracking and customizable spend controls, these tools empower businesses to monitor, protect and optimize their fleet operations with confidence.
Fuel card programs are essential components of a secure, data-driven fleet strategy. By leveraging these features, fleet operators not only protect their assets but also position their businesses for scalable, compliant and profitable growth. Visit phillips66fleet.com to learn more.