The best gas rewards programs are designed to give you fuel points and gas discounts when you buy gas. These programs are free to join, and some even combine with other programs to get even more savings on gas prices.
It’s important to note that gas rewards programs are not linked to your credit score. They can be obtained without any application process.
With so many programs out there, it’s important that you know which one works for you and which ones can help you get the most out of them. This guide will help you get started.
How Do Gas Rewards Programs Work?
Most gas rewards programs come from gas stations. They give members fuel points that can be used for free merchandise and gas. Some of them also offer gas discounts.
Since most programs are free to join, it’s best to sign up for the ones that work for you first. It’s also important to note that you can join multiple programs if you regularly fuel up.
BPme: BP & Amoco Gas Rewards 4+
BPme is one of the best gas rewards programs. It is a mobile app that helps users save on gas. It was rebranded in 2020 as a way to provide users with a better way to manage their gas purchases.
With BPme Rewards, you can save 5 cents off per gallon you buy at gas station for the next month. You can also spend up to $100 on fuel each month. You can also receive special offers and receive additional savings. It also serves as a gas rewards credit card.
For every $10 you save through BPme Rewards, you’ll receive a $5 discount. BPme is a mobile app that works seamlessly to help users save when they fill up.
You can also check in with BPme Rewards through their app, which serves as both a gas rewards card and a digital logbook.
Account opening for BPm will receive updates about their new gas rewards credit card and other great offers. The BP Smart Card gives you a great deal at Amoco gas stations. There is no annual fee and it’s loaded with cash back.
When you use a new BP Visa or BP Credit Card at participating Amoco gas stations and bp stations, get up to 30 cents off per gallon.
Exxon Mobil Rewards+ Program
If you usually fill up at a Mobil or Exxon gas station, you should check out the ExxonMobil Mobil Rewards+ program. It gives you 3 points for every gallon of fuel and 2 points for every dollar spent in the store.
Every time you earn a certain amount of fuel points, you’ll get $1 off at the pump. Not only can you get points for fuel purchases, but you can also earn points for other gas station purchases, such as car washes and convenience stores.
Exxon Mobil Smart Card from Mastercard also lets users save on every gallon of gas. They also receive double points for buying Exxon Mobil’s new Synergy gasoline at their gas station. It has no annual fee and it gives you 30 cents off every gallon purchased.
AARP members can also earn an additional fuel discount for every dollar spent in stores. They can also pursue Premium status, which gives them additional cents per gallon for premium gasoline.
The Fuel Rewards Program by Shell
The Shell Fuel Rewards program lets you rack up rewards on every gallon of your gas purchases. New members get $0.05 off per gallon, while existing gold members get $0.02. To get the second 3 month period, you need to fill up at least 5 gallons of gas each month.
Some chains also offer gas discounts. For example, if you buy $50 at participating retailers and spend $50 on live concert tickers, you’ll get a $0.10 gas discount on every gallon. They can also earn additional savings by combining them with everyday purchases including car washes.
Shell customers can get a 10 cents per gallon fuel discount when they buy fuel from participating restaurants. These restaurants have to be linked to one of their payment methods.
Shell Fuel Rewards is free to join and has no annual fee. Earning the Gold status for Shell Fuel Rewards will give you 5 cents per gallon. To reach this level, you need to regularly fuel up at Shell gas stations for at least six months.
Chevron with Techron Rewards Program
Chevron and Texaco stations participate in the rewards programs of national grocery stores. These programs are typically linked to purchases at grocery stores.
The Techron Advantage Card can get rewarded for fuel purchases with both Chevron and Texaco. It has an annual fee of $0, and when you reach a certain amount of points, you can convert that into a reward or stack multiple rewards.
You can convert your grocery rewards points into a reward. With this gas rewards program, you can get 10 cents off per gallon for a single fill-up. Participating gas stations also benefit from these programs by allowing their customers to earn points for purchases at grocery stores.
Circle K Easy Rewards Program
The Circle K Easy Rewards program is free to join with no annual fee, and it includes various special offers and sweepstakes that can help you save even more.
Circle K Easy Rewards members can save money per gallon by participating in this gas rewards program. They earn points for various purchases, such as food and non-alcoholic beverages. You can also use these points towards K Cash.
Like many rewards programs, the Circle K Easy Rewards is easy to understand. After you register, you’ll receive 10 points for every gallon at the gas station. You can also earn up to 20 points for every purchase in Circle K stores.
With Easy Pay, you can pay for fuel purchases without having to go to the pump. It’s a safe and secure payment experience. This offer is only available to new account holders. You can get 6/gal instant gas savings at the pump and 24 per gallon gas savings on your bank account.
Kroger Fuel Points Rewards Program
With the Kroger Fuel Rewards, you can get rewarded on grocery purchases at the participating stores. Buy Gift Cards and earn 2x points. Then, every 100 points, you will receive $0.10 off a gallon of gas!
The Kroger Fuel Rewards program is a great way for people who shop at participating grocery stores. It’s free to sign up and easy to use.
You can earn 1 point for every dollar spent in the grocery store, and 2 points for gift cards.
Learn More: Does Kroger Have A Reward Program?
Speedway Speedy Rewards
The Speedy Rewards program is also fairly easy to understand, and it gives members 10 points for every gallon of fuel they buy at a gas station and 20 points for every dollar spent in Speedway stores.
The mobile app of Speedway can help you keep track of your rewards, as well as figure out which items can be claimed within a certain month.
Unlike other gas rewards programs, Speedy Rewards allows members to cash in their points for free items and earn money off at the pump. They also have a variety of online and offline sweepstakes.
Maverik’s Adventure Club
Maverik is a convenience store chain that offers its own gas station rewards program called the Adventure Club. The Adventure Club gives members 2 cents off a gallon of purchases. They can also earn Trail Points.
Trail points can be used to purchase store items and win prizes in drawings.
The Nitro card has the same benefits as the Adventure Club but with a few added extras. For instance, it gets double Trail Points for every dollar spent.
The Nitro card is different from the other cards because it has to be linked to your checking account. Unlike a credit card, the Nitro card is not a debit card. Instead, it is linked to your bank account.
Pilot Flying J Rewards Fuel Card
All Pilot Flying J customers are eligible to join the company’s myRewards program. With the MyRewards program, you can earn points and save on gas purchases at Pilot Flying J.
MyRewards can be used to manage your accounts and get a 10% discount on food and other purchases like car washes for active-duty military members and veterans.
The app lets you track your fuel purchases and find special offers.
American Express Blue Cash Preferred Card
Blue Cash Preferred Card is one of the best gas credit cards on the market. You can earn 3% cash back on purchases at US gas stations and on transit.
You also get 6% cash back on up to $6,000 worth of purchases each year at US supermarkets and streaming subscriptions.You can earn a $300 statement credit for spending $3,000 in the first 6 months.
The Blue Cash Card from American Express gives you 6 percent back on up to $2,000 in purchases at US supermarkets and streaming services. You can also earn 3 percent back on transit and 1 percent on all other purchases.
This offer is only available to new account holders. You can also earn a $300 statement credit after spending $3,000 within the first 6 months.
Bank of America Cash Back Rewards Credit Card
The Bank of America Customized Cash Rewards card is the best credit card for people with good credit who spend moderate amounts on gas and groceries. It gives 3% cash back on other purchases, plus 2% back at grocery stores and 3% back at clubs and restaurants.
After making at least $1,000 in purchases in your first 90 days, you’ll receive a $200 online cash rewards bonus. It’s also 2% back at grocery stores and restaurants.
You can earn up to 25% more cash back on every purchase with this card.
The card has a 0% introductory rate for 15 billing cycles. However, after the introductory offer ends, the interest rate will apply.
US Bank Triple Cash Rewards Visa Business Card
The U.S. Bank business triple cash rewards card is one of the best gas rewards credit cards for businesses. It gives 3% cash back on gas and 2% back on other purchases.
The U.S. Bank Business TRIPLE CASH BENEFITS World Elite Mastercard is the card that gives back to all your business needs. With this card, you can earn $500 in cash back when you spend $4500 in the first 150 days of account opening.
1% cash back on all purchases and no limit on total net back earned. Annual statement credit is available for recurring software expenses. U.S. Bank Business Triple Cash Rewards has a variable rate of 13.99% after that. No annual fee.
Citi Rewards+ Credit Card
The Citi Rewards+ Card is also one of the best gas station credit cards available. It gives you 2X points for every $6,000 spent at gas and supermarkets. You can also earn 1X points on all purchases made with your card.
When you sign up for a Citi Rewards account, you can earn 20,000 bonus points after spending $1,500 in the first three months.
0% intro APR on balances transfers for 15 months. You can also get a 5% balance transfer fee when transferring money to another bank.
The Citi Rewards+ Card is the only card that automatically rounds up the nearest 10 points for every purchase. It’s also loaded with 2X ThankYou points for the first $6,000.
Discover It (Best for Bad Credit Score)
Getting gas rewards credit cards with a bad credit score isn’t that hard, though you have to put down a minimum $200 deposit to get started. This card is also available to consumers with no credit history.
The Discover it Secured Credit Card from Discover gives you 2 percent cash back on up to $1,000 in purchases each quarter. It also matches all your rewards after the first year.
You can earn 5% cash back on purchases at over 200 locations each quarter. You can also use PayPal to pay at gas stations and restaurants.
Discover is also giving you 1% cash back on all purchases. No annual fee, no annual processing fee, and no limits on how much you can earn.
Costco Anywhere Visa Card by Citi
The Citi Card from Costco is a great value for people who already have an annual Costco membership. It gives you 4% cash back on gas purchases after spending at least $7,000 in the first year.
You’ll also get 3% cash back on all purchases from Costco and 2% back on other purchases. The Citi Card for Costco doesn’t have an annual fee, but you need to be a member of the warehouse club to qualify.
Sam’s Club Mastercard
When you use your Sam’s Club Mastercard, you can earn 5% cash back on up to $6,000 worth of gas purchases each year.
It’s a great deal, especially if you use the Sam’s Club card at non-Sam’s Club gas stations. There are also some exceptions, such as when you fill up at a gas station that’s owned by a competing warehouse club or supercenter.
Related: Costco vs Sam’s Club Full Comparison
What to Look for in Gas Rewards Program
Get all of your bank statements to see which gas station brand you’re spending the most on. Then, compare the program’s terms and conditions to see which one is the best fit for you.
Since gas rewards are free to register for, you can set up multiple accounts with various companies. Take a look at your gas station spending to see how it compares to your overall budget.
The gas brand you frequently buy
The most important thing to consider when choosing a gas rewards program is which type of gas station you frequent. You’ll earn more fuel points over time if you use a brand that’s compatible with your mobile device.
Savings on gas purchases or types of rewards
Some rewards programs allow you to cash in your points for various things, such as drinks and snacks.
Look for multiple gas rewards program
Being a rewards member with multiple gas stations programs will allow you to collect points for different things, and it will also help you avoid driving across town when you’re low on gas.
4 Tips on Choosing the Best Gas Rewards Card
1. Don’t be tied down to a specific gas company
Although gas-affiliated credit cards can offer great rewards, they’re not for everyone. Many of them require spending a lot to get the highest possible rates.
If you already have a gas card tied to a specific station, then it should only be used for purchases that are already made.
2. Avoid getting too many cards
Do you want a card that gives you gas rewards just for making purchases? This is a decision that will affect how you decide to use the card.
3. Know the gas price forecast
Some gas cards have a set number of points that are per dollar spent. Some provide a percentage of your purchase in cash back. It’s also important to determine the gas price forecast to see how it will affect the terms of the card.
4. Go for the sign up bonus
The best gas credit cards can offer you great initial bonuses, but they also require you to spend a lot more to earn them.
Gas Rewards vs Gas Credit Cards
Due to the volatility of the gas prices, oil and gas companies often offer gas credit cards to provide fuel discounts on the cost of filling up.
Best gas credit cards are usually issued in partnership with a bank, and they can offer fuel discounts of up to six cents off a gallon. Aside from gas, a credit card also gives consumers cash back.
Advantage of Gas Rewards
Usually, you’ll receive 2% to 3% back on gasoline purchases, which is higher than the 1% limit on other purchases. One other benefit of using a gas rewards card is that it lets you spend on all kinds of purchases.
Numerous credit companies are aware of the increasing number of people using their credit cards to purchase gas. As a result, many of their gas rewards cards now offer cash back on purchases at the pump.
Advantage of Gas Credit Cards
Each time you fill up at a gas station, you’ll receive a certain amount of cents off. For instance, Exxon typically gives 6 cents off per gallon. Major gas companies typically issue their own gas credit cards. Some, like Shell, offer multiple credit cards for different types of customers.
Some credit cards also offer cash back on other expenses, such as car rentals and hotels. These cards usually have annual fees and interest rates that are higher than other types of credit cards.
Which is Better?
Regardless of the type of card you use, it’s important to note that a gas credit card usually have a higher sign-up bonus than traditional ones.
Although both types of cards are issued by banks, the oil and gas companies don’t actually issue the cards. Instead, they’re trying to create loyal customers by offering attractive benefits.
Is Gas Credit Cards Better Than Cash?
Have you ever tried to get the cheaper price at a different gas station when you make a U-turn? Then, imagine that the price went up 10 cents a gallon when you insert your credit card. The truth is, the advertised price is the price that you get if you pay with cash.
Pay for Gas with Credit Card
The advertised price is the price that the customer would pay for gas if they use a credit card. In other words, if you pay with a credit card, the gas station gets charged whenever a customer purchases fuel.
Like most consumers, you rely on credit cards to pay for gas. However, this convenience comes at a cost. The average amount that you pay for may be higher than you thought.
Pay for Gas with Cash
If you use cash, you get the lower advertised price. However, if you pay with a credit card, the station gets charged the higher price.
Although it’s illegal in most states, it is still a safer option to pay for gas using cash. Since credit card skimmers are very prevalent at the pumps, it is safer to use cash than a credit card.
Benjamin is a certified financial advisor, with over 10 years of experience in the industry. He is knowledgeable about various business and financial topics, such as retirement planning and investment management. Ben has been recognized for his work in the financial planning industry. He has also been featured in various publications.