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Saving on gas: Everything you need to know about fuel loyalty programs

May 26 2022
8 min read
Fuel Pumps At Gas Station
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We feel your pain at the pump.

Gas prices are roughly 50% more than they were a year ago, but there are some ways to beat inflation. While we've already talked about high-earning credit cards for gas purchases and third-party applications like GasBuddy that display the cheapest gas in your area, how can you save even more with fuel loyalty programs, and which ones are the best?

Let's find out.

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High gas prices in Seattle on March 11, 2022. (Photo by Clint Henderson/The Points Guy)

BPme Rewards

BPme Rewards is simple to use: Download the BPme app and sign up. Once you've signed up, you'll save 5 cents per gallon at BP and Amoco gas stations for the first month. After that, you must spend $100 on fuel each calendar month to continue receiving 5 cents off per gallon of gas bought.

If you purchase at least 8 gallons of gas at BP and Amoco gas stations each month, you can also subscribe to Price Match for 99 cents per month. Price Match automatically scans the current fuel prices of all gas stations within a 2-mile radius and matches the price of the competitor (up to 5 cents off per gallon).

Additionally, you can sign up with the BPme Rewards Visa Signature® Card, which gives you a discount of 30 cents per gallon bought during the first 60 days of having your account and 15 cents per gallon thereafter. This can be stacked with the BPme Rewards discount of 5 cents per gallon of gas purchased.

Result: Up to 20 cents off per gallon (without Price Match).

Exxon Mobil Rewards+

(Screenshot from exxon.com)

Exxon Mobil Rewards+ uses a points-based system for its rewards program. Every 100 points you earn will get you $1 back at the pump, so redemptions are set to a fixed cent-to-point ratio of 1:1.

Joining Exxon Mobil Rewards+ is free and immediately delivers 3 points (3%) per gallon purchased at Exxon and Mobil gas stations. If you fill your car with at least 8 gallons of premium-grade fuel three times per month, you'll earn 3 bonus points.

AARP members also earn 1 bonus point (1%) per gallon bought.

If you opt for the Exxon Mobil Smart Card+™, you'll earn 30 cents per gallon of standard Synergy fuel purchased and 42 cents per gallon of Synergy Supreme+ premium gas bought for the first two months of having the credit card. After the two months have passed, you'll receive 10 cents per gallon of Synergy fuel and 12 cents per gallon of Synergy Supreme+ gas.

Members of Walmart+, a benefit of The Platinum Card® from American Express, save 10 cents per gallon, but this isn't combinable with the Exxon Mobil Rewards+ program.

Result: Up to 20 cents off per gallon of premium fuel and 15 cents off per gallon of standard fuel.

Circle K Easy Rewards

Circle K Easy Rewards is simple: Earn 10 points per gallon of gas you buy. When you accrue 2,000 points, you'll save $2 at the pump. In other words, for every 20 gallons of gas you purchase, you'll get $2 back. Given the current price of gas, that's about a 2% return on your gas purchases.

The Circle K Easy Pay Debit Card saves you 30 cents per gallon bought in the first 60 days of having the card. Once that two-month period passes, you'll save 10 cents per gallon purchased.

Result: Around 18 cents off per gallon.

Shell Fuel Rewards

Seattle's high gas prices on March 11, 2022. (Photo by Clint Henderson/The Points Guy)

The Shell Fuel Rewards program is a favorite at TPG. When you sign up, you are welcomed with Gold status for six months, saving you 5 cents per gallon bought at Shell stations. To extend your Gold status, you need to fill up at Shell stations three times per month. If you don't requalify, you'll become a Silver member, which saves 3 cents per gallon purchased.

Instead of saving 3 or 5 cents for every gallon you buy, you can opt to earn 2 American AAdvantage miles per gallon bought. TPG values AAdvantage miles at 1.77 cents each. So at 2 miles per gallon, you're earning 3.54 cents for each gallon of gas (though there are sweet spots where you can get far more value). The miles you earn also count toward accruing Loyalty Points, helping you achieve AAdvantage elite status. By purchasing 15,000 gallons of gas in a year, you'll net 30,000 AAdvantage miles and 30,000 Loyalty Points, enough for AAdvantage Gold status.

If you decide to open the Shell | Fuel Rewards® Mastercard® or the Shell | Fuel Rewards® Card, you'll get 10 cents off per gallon of gas purchased.

Result: Up to 15 cents off per gallon.

Speedy Rewards

Through the Speedy Rewards program, you earn 10 points for each gallon of fuel you buy. Once you've accumulated 1,750 points (175 gallons of gas), you'll receive 10 cents off per gallon bought during your next fill-up, which is not that impressive.

With the Speedy Rewards® Mastercard®, you earn 50 points per dollar spent at Speedway gas stations.

Result: Around 6 cents off per gallon.

Kroger Fuel Points

Like Exxon, Kroger uses points at a fixed-rate redemption for its loyalty program. You earn 1 Fuel Point for every $1 you spend at Kroger and Ralphs pumps. After accruing 100 points, you'll receive 10 cents back per gallon bought.

If you decide to purchase gas gift cards, you'll earn 2 Fuel Points per dollar spent. You can also earn up to 50 points per qualifying prescription filled at Kroger.

The grocery store chain offers the Kroger Rewards World Elite Mastercard®, which comes with an unimpressive 2% cash back on gas.

Result: Around 8 cents off per gallon.

Safeway for U and Albertsons for U

While you can't earn on credit card gas purchases, you can earn 1 point for every $1 you spend on groceries and 2 points for every $1 you spend on gift cards at Safeway and Albertsons through their loyalty programs. When you buy gift cards, you'll earn a reward worth 100 points. For example, if you buy a $50 Chevron or Texaco gift card, you'll earn 100 points, enough for one reward. That reward will save you 10 cents at the pump.

You can also apply for the Techron Advantage® Visa® Credit Card, which gives you up to 55 cents off per gallon bought in the first 90 days of opening your account. After those first three months, you'll get up to 18 cents off per gallon purchased, depending on the fuel grade you choose.

Result: Up to 28 cents off per gallon.

Costco Wholesale

While it doesn't have a proper fuel rewards program, Costco is generally a great option for buying gas. The Costco Anywhere Visa® Card by Citi comes with a noteworthy 4% back on fuel purchases when you spend up to $7,000 every year.

Costco gas stations are also generally less expensive than other options, though using them requires having a Costco membership (which is included in the annual fee of the Costco Anywhere card). For example, at the time of writing, the Costco station on Kauai in Hawaii was 32 cents per gallon less than any other station on the island. However, other Costco stations may not be that much cheaper than others in the area; the Costco station in my hometown of Danville, California, is routinely only a penny or two less than the competition.

Result: Depends on how competitive the Costco station is.

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 stand to save thousands on fuel every year.

Of course, if your goal is to save on gas, you should do more than merely focus on one gas rewards program. Consider signing up for a gas-friendly credit card to maximize your savings.

Featured photo by Getty Images/EyeEm
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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4X4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
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  • Intro Offer
    Limited Time Offer: Earn 100,000 Bonus Marriott Bonvoy Points after spending $4,000 in purchases on your new Card in your first 3 months of Card Membership. Offer expires 11/2/22.

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    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.

    670-850
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Why We Chose It

The Marriott Bonvoy Business Amex is a stacked card with a rewards rate that will help you earn bonus points on everyday and business-related purchases. You'll earn 15 elite night credits each calendar year, and receive automatic Gold elite status. Finally, the free night award certificate with a redemption level of 35,000 points or less can get you hundreds of dollars in potential value each year.

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  • Receive 15 elite night credits to jump-start status
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  • Must spend $60,000 in a year for second free-night award
  • Limited Time Offer: Earn 100,000 Bonus Marriott Bonvoy Points after spending $4,000 in purchases on your new Card in your first 3 months of Card Membership. Offer expires 11/2/22.
  • 6x points at hotels participating in the Marriott Bonvoy® program.
  • 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
  • 2x points on all other eligible purchases.
  • Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply.
  • Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
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  • Terms apply.
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