Skip to content

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

May 26, 2022
8 min read
Fuel Pumps At Gas Station
This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. For an explanation of our Advertising Policy, visit this page.

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.

For more TPG news delivered each morning to your inbox, sign up for our daily newsletter.

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.

Sign up for our daily newsletter

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 image 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.

Top offers from our partners

How we chose these cards

Our points-obsessed staff uses a plethora of credit cards on a daily basis. If anyone on our team wouldn’t recommend it to a friend or a family member, we wouldn’t recommend it on The Points Guy either. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners.
See all best card offers

TPG featured card

Best for the well-traveled foodie
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review
Apply for American Express® Gold Card
at American Express's secure site

Rewards

3 - 4X points
4XEarn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
4XEarn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
3XEarn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

Intro offer

60,000 bonus points
Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

Annual Fee

$250

Recommended Credit

670-850
Excellent/Good
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.

Why We Chose It

There's a lot to love about the Amex Gold card. It's been a fan favorite during the pandemic because of its fantastic rewards rate on restaurants (that includes takeout and delivery in the U.S.!) and U.S. supermarkets. If you're hitting the skies soon, you'll also earn bonus points on travel. Paired with up to $120 in Uber Cash (for U.S. Uber rides or Uber Eats orders) and up to $120 in annual dining statement credits at eligible partners, there's no reason that the foodie shouldn't add this card to their wallet. Enrollment required.

Pros

  • 4x on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1x)
  • 3x on flights booked directly with the airline or with Amex Travel
  • Welcome bonus of 60,000 points after spending $4,000 in the first six months

Cons

  • Weak on travel outside of flights and everyday spending bonus categories
  • Not as useful for those living outside the U.S.
  • Some may have trouble using Uber/food credits
  • Few travel perks and protections
  • Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Satisfy your cravings and 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, Milk Bar and select Shake Shack locations. Enrollment required.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees
Apply for American Express® Gold Card
at American Express's secure site
Terms & restrictions apply. See rates & fees
Best for the well-traveled foodie
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards Rate

4XEarn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
4XEarn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
3XEarn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • Intro Offer
    Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

    60,000 bonus points
  • Annual Fee

    $250
  • Recommended 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.

    670-850
    Excellent/Good

Why We Chose It

There's a lot to love about the Amex Gold card. It's been a fan favorite during the pandemic because of its fantastic rewards rate on restaurants (that includes takeout and delivery in the U.S.!) and U.S. supermarkets. If you're hitting the skies soon, you'll also earn bonus points on travel. Paired with up to $120 in Uber Cash (for U.S. Uber rides or Uber Eats orders) and up to $120 in annual dining statement credits at eligible partners, there's no reason that the foodie shouldn't add this card to their wallet. Enrollment required.

Pros

  • 4x on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1x)
  • 3x on flights booked directly with the airline or with Amex Travel
  • Welcome bonus of 60,000 points after spending $4,000 in the first six months

Cons

  • Weak on travel outside of flights and everyday spending bonus categories
  • Not as useful for those living outside the U.S.
  • Some may have trouble using Uber/food credits
  • Few travel perks and protections
  • Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Satisfy your cravings and 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, Milk Bar and select Shake Shack locations. Enrollment required.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees