Getting the most out of every fuel purchase doesn’t mean driving across town for a few cents off per gallon. The real strategy lies in stacking multiple rewards systems that work together—loyalty programs, cashback tools, and credit card perks. When used properly, this approach can save you significantly over time without changing where or how you drive.

Here’s how to turn your next fill-up into a triple-layer savings opportunity.

Start With a Fuel Rewards Program

Most major gas stations offer their own free loyalty programs, which let you accumulate points or discounts with every purchase. These programs are easy to join and typically don’t interfere with other forms of payment.

A few of the most widely used include:

• BPme Rewards – earn cents off per gallon and receive monthly bonuses.

• Exxon Mobil Rewards+ – earn points on fuel, car washes, and convenience store items.

• Shell Fuel Rewards – save up to 5¢ per gallon or more with linked shopping and dining offers.

Always scan your member ID or enter your phone number at the pump to ensure you’re earning rewards on each visit.

Add Instant Cashback With Gift Cards

This is where stacking gets powerful. Instead of paying directly with your credit card or cash, purchase a digital gift card through a rewards platform like Fluz just before fueling. These gift cards can be generated for the exact total of your transaction and used instantly.

You can earn cashback with a Chevron gift card or get rewards with a Shell gift card at the time of purchase. Because you’re still buying gas from your preferred station, you don’t lose loyalty benefits—you gain an additional layer of rewards.

Use a Cashback Credit Card to Fund the Purchase

The final step is paying for your digital gift card with a credit card that offers gas-related rewards. Cards like the Chase Freedom Flex or Citi Custom Cash Card offer up to 5% back on gas purchases. When you use one of these to purchase your gift card in Fluz, you earn:

• Credit card rewards

• Fluz cashback

• Gas station loyalty points

All from the same fill-up.

Bonus: Automate Your Routine

To make this strategy easy, set up your Fluz account with your preferred payment method and favorite your go-to gas brands. Keep your loyalty program logins saved in your phone, and choose a consistent day each week to fuel up—preferably Monday or Tuesday mornings, when GasBuddy data shows gas prices are generally lower.

The best part? None of this requires you to chase deals or drastically change your routine. You’re simply using better tools to get rewarded for what you already do.