Top Ways to Combine Gift Cards, Loyalty Points, and Discounts at the Pump
With fuel prices fluctuating and household budgets tightening, drivers are getting smarter about how they pay at the pump. The best part? You don’t have to choose just one savings method. By combining loyalty programs, digital gift cards, and cashback apps, you can stack multiple discounts and keep more money in your wallet every time you fill up.
Here’s how to layer these tools effectively to get the most out of every gallon.
- Join Fuel Loyalty Programs for Ongoing Discounts
Many gas stations offer loyalty programs that reward consistent purchases with cents-off-per-gallon savings. For example:
- Shell Fuel Rewards gives you 5¢/gal just for signing up and offers additional savings when you link your credit card or dine at participating restaurants.
- Kroger Fuel Points allows you to earn points when shopping in-store or online, redeemable for up to $1.00 off per gallon at participating fuel centers.
The key is consistency. Use the same loyalty program frequently, and watch your savings add up over time.
- Buy Digital Gift Cards for Extra Cashback
Gift cards aren’t just for gifting—they’re one of the most underrated tools for everyday savings. With platforms like Fluz, you can buy a BP gift card online, get cashback at Chevron, or save at ExxonMobil in real time. The app allows you to enter the exact amount needed at the pump and instantly receive a digital code to pay with—plus earn cashback for the purchase itself.
Since these digital cards work like cash, they’re fully compatible with loyalty program discounts and fuel points.
- Stack Credit Card Rewards for an Extra Boost
Use a rewards credit card that offers bonus points or cashback on fuel purchases when buying gift cards. For instance, if your card gives 2% back on gas, you can earn that reward on top of what Fluz provides when you fund your gift card purchase through the card.
Some banks also offer rotating quarterly categories that include fuel purchases—perfect for stacking when you’re buying digital gift cards or funding your rewards app wallet.
- Redeem Grocery Store Fuel Points at the Pump
If you shop at stores like Kroger, Safeway, or Giant, you may already be earning fuel points as part of your grocery bill. These can often be redeemed at their affiliated gas stations, saving you 10¢ to $1.00 per gallon depending on how much you’ve spent that month. Pair this discount with a Fluz-purchased gift card to maximize savings without changing your routine.
- Use Apps That Let You Combine It All
Some cashback apps like Rakuten, Ibotta, or Upside offer savings on gift card purchases or directly at gas stations. These can be layered with digital gift card savings and loyalty discounts for an even better return.
Example:
- Use GasBuddy to find the cheapest station.
- Use Fluz to buy a gift card for that station.
- Swipe your loyalty card or enter your member ID for fuel discounts.
- Pay using the gift card and earn cashback.
- Get bonus points from your credit card.
Small Stacks, Big Wins
No single discount may feel game-changing—but when you combine loyalty programs, cashback apps, and smart payment methods, you create a system that continually rewards you. Whether you drive 10 miles a day or 100, these small changes in how you pay can lead to major savings over time.
