Mudflap Review 2026

Pros Explained

Zero Fees When Using Debit or ACH -- This is the core differentiator. Every other fuel savings program takes a cut. Per-transaction fees of 15-50 cents are common. Monthly minimums run $25-100 at many competitors. Transaction percentages of 2-4% appear on invoice after invoice. Mudflap charges none of that. The discount they negotiate with the truck stop is your discount. Period. For a carrier fueling $5,000 monthly, competitor fees might run $75-200. Mudflap's cost on debit is zero. That fee savings alone can exceed $1,000 annually before you even count the fuel discounts.

No Contracts or Commitments -- Sign up today, use it once, decide you do not like it, and walk away. There is no termination fee. No minimum usage requirement. No notice period. No early exit penalty. This matters because fuel savings programs often hook carriers with attractive intro rates, then lock them into multi-year agreements with escalating costs. Mudflap flips that model. You keep using it because it works, not because you are contractually trapped.

Use Your Own Payment Methods -- Juggling multiple fleet cards means multiple statements, multiple payment deadlines, and multiple accounts to reconcile. Mudflap transactions appear on your existing bank or credit card statement alongside everything else. One fewer account to manage. One fewer payment to remember. One fewer vendor relationship to maintain. For a one or two-truck operation where the owner handles the books, that simplification is worth something beyond the dollar savings.

App Quality Matches User Expectations -- The 4.7 rating on Google Play[^5] and 4.8 on the App Store[^6] reflect an app that actually works the way it should. It loads quickly. The fuel code generates without errors. The discount amounts display clearly. The map shows participating stops accurately. That sounds basic, but plenty of trucking industry apps fail these fundamentals. User reviews consistently praise the app experience rather than complaining about crashes, slow loading, or confusing interfaces. When a tool works reliably, you use it consistently. When it frustrates you, you stop pulling it out.

Cons Explained

No Pilot/Flying J or Love's Coverage -- This is the big one. Pilot operates roughly 750 locations. Love's runs about 600. Together, they represent the dominant presence in truck stop real estate across the country. Neither participates in Mudflap's discount network. If your routes take you through areas where Pilot and Love's are the primary options, or if you prefer those chains for their amenities and services, Mudflap provides no savings at the stops you use most. The TA and Petro network (roughly 280 combined locations) anchors Mudflap's coverage, but TA/Petro cannot match Pilot/Love's geographic footprint. Check the app before committing to Mudflap. If your typical routes show adequate participating stops, the savings work. If the map looks sparse, look elsewhere.

Regional Discount Variation -- User reviews tell a consistent story: Midwest and Southern routes see the strongest discounts, often 40-60 cents per gallon. Pacific Northwest coverage is thin, and users in those areas report discounts closer to 20 cents when participating stops are available at all. The "up to $1.00 per gallon" marketing reflects peak savings at select locations, not typical experience. One user summarized it bluntly: "Everywhere I run you'd be lucky to save 20 cents." That review came from a Pacific Northwest operator. A Midwest driver on the same platform reported saving $3,500 in a year. Where you run determines what you save.

Requires Going Inside -- The fuel code system works through the cashier at most locations. You generate the code, walk inside, give it to the clerk, and pay there rather than at the pump. Mudflap has expanded pay-at-pump availability at some stops, but users report that 99% of transactions still require the cashier interaction. For drivers who prefer to fuel and go without leaving the cab area, this adds 3-5 minutes per stop. It is not a dealbreaker, but it is a friction point that traditional fuel cards do not create.

Customer Service

Mudflap runs support through in-app chat, email, and phone channels. User reviews consistently describe responsive interactions when issues arise. Trustpilot and app store reviews mention quick resolutions for problems like discount codes not working, receipt delivery issues, or account questions.

The company requires identity verification during signup, including a selfie and driver's license photo. Some users found this process annoying, though it exists to prevent fraud. Reviews occasionally mention verification taking longer than expected or requiring multiple attempts. Once past the initial verification, the ongoing experience runs smoothly for most users.

The 4.5 out of 5 Trustpilot rating from 564 reviews suggests support quality is holding up as the company scales.[^4] Growing from zero to 515,000 registered drivers in five years puts pressure on support operations. The consistent ratings across platforms indicate Mudflap has invested enough in customer service to keep pace with growth.

One thing worth noting: Mudflap does not assign dedicated account managers or provide the relationship-based service that traditional fuel card companies sometimes offer. You manage your account through the app, access support when needed, and handle transactions independently. For carriers who want a fuel card rep they can call directly with questions, Mudflap's self-service model may feel impersonal. For carriers who prefer to handle things themselves and only need support when something goes wrong, the model works well.

Who Should Use This

Owner-Operators Seeking Simplicity -- If you want fuel savings without another account to manage, another statement to pay, another credit line to monitor, or another contract to read, Mudflap delivers that simplicity. Download the app, link your existing card, start saving. The value proposition is clean: less administrative overhead, same or better savings than many traditional fuel cards.

Midwest and Southern Operators -- Geographic coverage matters more than any other factor in whether Mudflap works for you. Drivers running Midwest and Southern routes consistently report the best discounts and most convenient coverage. The participating stop density in these regions makes it practical to fuel within the Mudflap network on most runs.

New Authorities Starting Fresh -- No credit check. No application denial. No waiting for approval. If you got your authority last week, you can start using Mudflap today. For new carriers who cannot qualify for credit-based fuel cards or who do not want to add credit obligations during their first year, Mudflap provides immediate access to fuel savings.

Small Fleets Managing Cash Flow -- Because you pay with your own debit card or bank account, the money comes out when you fuel. There is no bill arriving two weeks later that you need to plan for. No Net 7 or Net 14 payment terms to manage. No late fees if broker payments run slow. For carriers who prefer immediate payment over credit terms, the Mudflap model matches how they already manage money.

Carriers Who Already Have Fuel Cards -- Mudflap works alongside traditional fuel cards rather than replacing them. Use your TCS or Comdata card at Pilot and Love's where Mudflap does not apply. Use Mudflap at TA, Petro, and independent stops where its discounts beat your card. The two approaches complement each other for carriers who want to maximize savings across all stops.

Who Should Look Elsewhere -- If your routes depend heavily on Pilot/Flying J and Love's, Mudflap's network gap is too significant to ignore. Look at fuel cards with those chains in their discount networks instead. If you need credit terms and float on your fuel purchases, Mudflap's immediate-payment model does not fit. Traditional fuel cards with Net 14 or Net 21 terms provide the cash flow buffer you need. If your operation runs 20+ trucks, you may benefit more from negotiating direct discount programs with truck stop chains than using a consumer-oriented app. Large fleet discounts often exceed what Mudflap's network offers.

Final Verdict

Mudflap earns a 4.5 out of 5 and the Best No-Fee Option badge because they genuinely deliver what they promise: real fuel savings with zero fees when paying with debit or ACH. In an industry where "free" usually means "free until you read the fine print," Mudflap's fee structure holds up under scrutiny. There is no monthly charge hiding in the terms. No transaction fee that appears on your third statement. No minimum volume penalty. Zero means zero.

The 515,000 registered drivers and $2 billion in annual payment volume did not happen through marketing. They happened because the savings are real and users talk to each other. When a driver saves $100 in a week and posts about it, other drivers notice. When someone tracks $3,500 in annual savings across two trucks, the word spreads. The 94% recommendation rate and strong ratings across every review platform reflect genuine user satisfaction.

The limitation is equally real. Without Pilot/Flying J and Love's in the network, Mudflap cannot be your only fuel strategy for routes that depend on those chains. The 2,800 participating locations include solid coverage from TA, Petro, and numerous regional and independent stops, but geographic gaps exist. Check the app map for your typical routes before committing.

For owner-operators and small fleets in well-covered regions, particularly the Midwest and South, Mudflap represents genuine innovation in how fuel savings can work. No card to carry. No account to manage. No fees to calculate. Just your phone, your existing payment method, and direct savings at the pump. In five years, Mudflap has built something the traditional fuel card industry has not: a product that costs nothing to use and still delivers substantial value.

The math is simple enough to run on a napkin. If you fuel 1,000 gallons monthly at an average 40-cent discount using debit, you save $4,800 per year. Traditional fuel cards might deliver similar gross discounts but skim $500-1,500 in fees. That difference is your profit, not theirs. For carriers in covered markets who want those dollars back, Mudflap earns the recommendation.