What is the best gas rewards program for saving at the pump?
Editor’s note: This is a recurring post, regularly updated with new information and offers.
Whether you put a lot of mileage on your car or rarely leave town, it always feels good to save on gas.
You can find the cheapest gas in your area with third-party apps like GasBuddy and use one of the best cards for gas purchases when paying at the pump. You can also use one or more of the best gas rewards programs to save even more on fuel purchases.
Let's look at some of the most popular fuel rewards programs to determine which ones are best for you.
Albertsons for U
Albertsons Companies has multiple food and drug retailers in the U.S., including Albertsons, Safeway, Randalls and Vons. All these brands have loyalty programs that let you earn rewards at all participating Albertsons Companies store locations, apps and websites. So, although we discuss Albertsons for U in this section, know that Safeway for U, Randalls for U, Vons for U and other Albertsons Companies loyalty programs work similarly.
You'll get a birthday treat offer worth up to $10 each year and a free item worth up to $10 each month. You won't earn points on fuel purchases, but Albertsons for U lets you earn points on the following types of purchases at Albertsons and other participating Albertsons Companies stores, apps and websites:
- 1 point per dollar spent on groceries
- 2 points per dollar spent on gift cards
- 1 point per dollar spent on qualifying pharmacy purchases
You can redeem your points for grocery items or tiered basket discounts via the Grocery Rewards Gallery. You can also redeem points for gas at participating fuel stations at a rate of 100 points for 10 cents off per gallon. Or, you can redeem for cash off your next grocery checkout at 100 points per dollar. Points expire at the end of the month following the month in which you earn them.
Related: Best business credit cards for gas
BPme Rewards
BPme Rewards is simple: Download the app and register for BPme Rewards, or register online if you prefer not to use the app.
Then, when you use the app or enter your cellphone number as your alternate ID at the pump or inside the store, you'll save 5 cents per gallon spent at BP and Amoco gas stations. You can use any accepted payment card and still get a discount of 5 cents per gallon.
However, if you sign up for the BPme Rewards Visa® Credit Card, you'll get a discount of 30 cents per gallon for 60 days after opening your account. After that, you'll get a discount of 15 cents per gallon when using your card to pay for BP fuel purchases. Know, though, that you may not get your discount if you buy fuel using a mobile wallet.
Your savings are visible on your fuel receipt. However, you can also view your transaction history and the amount you saved on each fuel purchase in the Rewards section of your BPme Rewards account. If you earn any bonus rewards through BPme Rewards, these will be automatically applied to your next fuel purchase at a BP or Amoco gas station.
The information for the BPme Rewards Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Related: Comparing gas station credit cards to see what they offer
Circle K Inner Circle Rewards
When you enroll in Inner Circle Rewards, you'll save 25 cents per gallon on your first five fill-ups and enjoy five free fountain drinks, Frosters or coffee in-store.
Once your introductory savings are finished, you'll save 3 cents per gallon and get every sixth item free when you purchase select chips, candy, nuts and Arizona iced tea drinks. If you spend $500 on fuel, food and beverages, you'll become a Premium Member and save 5 cents per gallon.
The Circle K Easy Pay debit card saves you 30 cents per gallon on your first 100 gallons or 60 days. After that, you'll save 10 cents per gallon when you use the card to purchase fuel at Circle K.
The information for the Circle K Easy Pay card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Related: Best road trips in the US
Exxon Mobil Rewards+
Exxon Mobil Rewards+ is a points-based rewards program. Every 100 points earned gets you a dollar back at the pump, so redemptions are set to a fixed cent-to-point ratio of 1:1. Points expire at the end of the calendar year after you earn them.
Joining Exxon Mobil Rewards+ is free. Once you join, you'll earn 3 points per gallon purchased at Exxon and Mobil gas stations and 2 points per dollar spent at convenience stores or on car washes. Plus, you get 100 points when you make a purchase during your birthday month.
If you fill your car with at least 8 gallons of Synergy Supreme+ premium gas three times per month, you'll earn 3 bonus points on qualifying purchases of Synergy Supreme+ gas for the next three months. You'll unlock the Frequent Filler bonus program if you purchase 100 or more gallons of Synergy fuel in a calendar month. This bonus program offers 1 extra point on Synergy fuel and 2 extra points on eligible convenience store purchases through the end of the next calendar month.
AARP members can link their accounts and earn a 500-point sign-up bonus when joining Exxon Mobil Rewards+. AARP members with linked accounts will earn 1 additional point per gallon of fuel purchased and 1 additional point per dollar spent at the store. AARP members earn double points on a single fuel transaction on designated AARP Member Days.
You can't stack Exxon Mobil Rewards+ with the Exxon Mobil Smart Card+ credit card, so you'll need to use another credit card to earn within the Exxon Mobil Rewards+ program. Likewise, the 10 cents per gallon Walmart+ discount at Exxon and Mobil stations isn't combinable with the Exxon Mobil Rewards+ program.
The information for the Exxon Mobil Smart Card+ has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Related: Beat high gas prices while traveling during the holidays: 8 ways to save at the pump
Kroger Fuel Points
Like Exxon, Kroger's loyalty program uses points at a fixed-rate redemption. But unlike other programs, you won't earn points when you purchase fuel. Instead, you'll earn as follows on select purchases from Kroger stores:
- Groceries: 1 Fuel Point per dollar spent on most groceries
- Gift cards: 2 Fuel Points per dollar spent on most gift cards
- Prescriptions: 25 Fuel Points for non-federally funded prescriptions (75 Fuel Points for 90-day prescriptions) and 1 Fuel Point per dollar of out-of-pocket costs for federally funded prescriptions
Fuel Points expire on the last day of the month after they are earned and don't combine across months. You can redeem Fuel Points in 100-point increments at the Kroger family of stores' fuel centers (up to 1,000 Fuel Points) for a fill-up of up to 35 gallons of unleaded, mid-grade, premium, diesel or E85 fuel. At participating Shell stations, you can redeem 100 Fuel Points for 10 cents off per gallon.
You'll get a 3-cent discount when you fuel up at a Kroger-affiliated fuel center but don't use Fuel Points.
Related: The 10 best road trips to take with your family this summer
My Love Rewards
My Love Rewards is designed for professional drivers, but some casual drivers may also benefit. Here's a look at the status tiers, which are based on the number of gallons of fuel you purchased last month at Love's or Speedco:
| Status | Gallons of fuel purchased this month | Earnings on fuel next month | Earnings on other purchases next month |
|---|---|---|---|
Base | 499 gallons or less | 1 point per gallon | 1 point per dollar |
Gold | 500 to 999 gallons | 2 points per gallon | 2 points per dollar |
Platinum | 1,000 to 1,499 gallons | 3 points per gallon | 3 points per dollar |
Diamond | 1,500 gallons or more | 4 points per gallon | 4 points per dollar |
At the My Love Rewards' Base and Gold tiers, you'll earn a free shower credit and a free drink refill credit once you buy at least 50 gallons of fuel. You can enjoy free drink refills and showers at the Platinum and Diamond tiers.
Once you've earned 500 points, you can redeem for store credit at 100 points per dollar. Your points will expire if you don't earn or redeem any points for six months.
Related: The ultimate Blue Ridge Parkway road trip guide
Murphy Drive Rewards
Murphy Drive Rewards lets you earn and redeem points on purchases at Murphy USA gas stations. You'll earn 1 point per gallon of gasoline purchased and 2 points per dollar spent on merchandise. You can also play the Rev Up game each week to earn more points. You can redeem points for snacks or discounts on a fill-up of up to 20 gallons.
Walmart+ members can save up to 10 cents per gallon on fuel purchases at Murphy USA and Murphy Express, but you can't use the Walmart+ discount and Murphy Drive Rewards on the same fill-up.
Related: Top tips for how to save on gas
Shell Fuel Rewards
The Shell Fuel Rewards program has three status tiers:
| Savings | Qualification requirements | |
|---|---|---|
Silver | 3 cents per gallon | Be a Fuel Rewards member |
Gold | 5 cents per gallon | Six fill-ups of 10 gallons or more within three months (fill-ups of 10 gallons or more with V-Power NiTRO+ premium gasoline count double) |
Platinum | 10 cents per gallon | 12 fill-ups of 10 gallons or more within three months (fill-ups of 10 gallons or more with V-Power NiTRO+ premium gasoline count double) |
Fuel Rewards has many partners that let you earn more cents per gallon off at Shell, which you can stack with your member status.
You can also earn 3 American Airlines AAdvantage miles per gallon bought instead of getting fuel savings and working toward status as described above. You can only earn American miles on up to 20 gallons of fuel per purchase, per vehicle.
If you decide to open the Shell | Fuel Rewards® Mastercard® or the Shell | Fuel Rewards® Card, you'll get 10 cents off per gallon. You might also get more savings on your first few fill-ups after opening a new card.
The information for the Shell Fuel Rewards Card and Shell Fuel Rewards Mastercard has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Related: Route 66 road trip planner: The best stops along the way
Speedy Rewards
Through the Speedy Rewards program, you earn 20 points per dollar spent on merchandise and 10 points per gallon of fuel purchased. You can redeem for various rewards, but the best options are likely 1,750 points for 10 cents off per gallon on a fuel purchase up to 25 gallons within the next 30 days or 7,900 points for $10 in food and merchandise.
With the Speedy Rewards Mastercard®, you can earn 50 points per dollar spent at Speedway on fuel and in-store.
The information for the Speedy Rewards Mastercard has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Related: The best credit cards for fleet fuel
Bottom line
Most drivers choose where they fill up based on location. Depending on where you live, how much you drive and whether you're willing to commit to a single gas station brand, you could save thousands on fuel every year if you fill up strategically.
TPG featured card
Rewards
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Rewards Rate
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.As High As 100,000 points. Find Out Your Offer.Annual Fee
$325Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Excellent to Good
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.