If you regularly use a credit card but aren’t leveraging its rewards for fuel savings, you’re leaving money on the table. Some of the best credit cards offer generous cashback or bonus points on gas purchases—and when combined with fuel rewards programs and strategic tools, they can significantly reduce your out-of-pocket expenses at the pump.
Here’s how to maximize your credit card perks and turn everyday purchases into cheaper gas.
Choose the Right Credit Card for Fuel Spending
Many credit cards offer specific rewards categories that include gas stations. Depending on your card, you could earn between 2% to 5% back on every gallon. Here are a few popular options for gas-related rewards:
- Chase Freedom Flex – Rotating 5% bonus categories often include gas stations.
- Citi Custom Cash Card – Earns 5% on your highest eligible spending category each billing cycle, including gas.
- Bank of America Customized Cash Rewards – Allows you to choose 3% cashback on gas and EV charging stations.
- Sam’s Club Mastercard – Offers 5% cashback on gas (up to the first $6,000/year).
These rewards are typically issued as points, statement credits, or direct cashback. Review your card’s terms carefully to see how rewards apply and which purchases qualify as gas station transactions.
Use Rewards to Buy Discounted Gas Gift Cards
If your card rewards are issued as points (such as Chase Ultimate Rewards or Amex Membership Rewards), you can often redeem them for gift cards—many of which include fuel brands. This is a solid way to convert unused points into gas savings.
Some card portals offer gift cards at a slight discount, or with occasional promotions that stretch your points even further. Be sure to compare redemption value against the cash equivalent to make the most of your rewards.
Add a Cashback Layer With Digital Gift Cards
Even if you’re using a gas rewards credit card, you can still increase your total savings by layering in a cashback gift card purchase. Through Fluz, you can earn cashback with a Chevron gift card or get rewards with a Shell gift card by purchasing the card just before fueling up.
Here’s how it stacks:
- Use your cashback credit card to purchase a digital gift card in Fluz.
- Earn cashback from Fluz immediately.
- Earn additional credit card rewards on that gift card purchase.
- Use the gift card at the pump and scan your gas station loyalty account for extra savings.
This method lets you triple dip—credit card rewards, instant Fluz cashback, and fuel loyalty points—all from a single transaction.
Monitor Redemption Rates and Annual Fees
Not all rewards redemptions are equal. Some issuers offer better value when you redeem for travel or merchandise, while others give full value for statement credits or gift cards. Also consider whether your card’s annual fee offsets your potential fuel savings. In some cases, a no-annual-fee card with solid cashback may be a better fit than a premium travel card with gas perks.
You can compare credit card offers and redemption value breakdowns on trusted finance resources like:
