When it comes to saving money at the pump, one strategy alone may not be enough. The best way to consistently cut down fuel costs is to combine multiple savings tools—and that includes stacking gas station loyalty points with cashback apps. With the right mix, you can earn rewards from your gas station, cashback from your payment method, and sometimes even bonuses from grocery partners—all from a single fill-up.
Here’s how to effectively stack loyalty points with cashback apps to maximize your fuel savings.
Step 1: Enroll in a Gas Station Rewards Program
Most major fuel brands offer free rewards programs that give you points, cents-off-per-gallon discounts, or exclusive deals. Sign up for the one at your preferred station:
- Shell Fuel Rewards – Earn discounts through fuel purchases and linked credit/debit cards.
- BPme Rewards – Get automatic savings with in-app purchases or pump transactions.
- Exxon Mobil Rewards+ – Accumulate points for both gas and convenience store items.
- Speedway Speedy Rewards – Points can be redeemed for gift cards or fuel discounts.
Step 2: Pay with a Cashback App Like Fluz
Apps like Fluz, Rakuten, and Ibotta allow you to earn cash back on fuel purchases when you pay using digital gift cards or linked accounts. For instance, you can buy a RaceTrac gift card through Fluz and earn cashback at RaceTrac while also racking up loyalty points with their Rewards Program.
Fluz currently supports several fuel brands, including:
Because Fluz gives cashback instantly after you purchase the gift card, you don’t have to wait for your rewards to build up.
Step 3: Use a Rewards Credit Card
If you’re purchasing gift cards or fueling directly, make sure you’re using a credit card that offers bonus cashback for fuel purchases. Many cards offer 2%–5% cashback or rotating category bonuses for gas stations. Examples include:
- Chase Freedom Flex (5% quarterly categories)
- Citi Custom Cash Card (5% on your top spending category)
- Sam’s Club Mastercard (5% on gas up to a limit)
Use your rewards card to fund purchases within cashback apps like Fluz for a double-dip effect.
Step 4: Combine With Grocery Fuel Programs
Many grocery chains also offer fuel points that can be redeemed at partner gas stations. For example:
- Kroger Fuel Points – Earn points while grocery shopping, redeem at Kroger Fuel Centers or participating Shell stations.
- Safeway for U – Accumulate points for discounts on groceries and fuel.
Use your grocery rewards phone number at the pump and pay with a Fluz gift card for stacked savings.
Tips to Maximize Stacked Rewards:
- Track Expiry Dates: Fuel points and cashback offers often expire, so use them regularly.
- Save Your Receipts: Some apps require receipt scans for validation.
- Double-Check Merchant Compatibility: Not all gift cards can be used at the pump—some may require in-store payment.
- Avoid Prepaying for Excess: Only buy gift card amounts you plan to use immediately to prevent leftovers or unused balances.
Triple the Savings Without Extra Effort
By layering loyalty programs, cashback platforms like Fluz, and reward credit cards, you can significantly reduce your fuel expenses with very little effort. Each tool offers a small savings opportunity on its own, but together they make a noticeable impact every time you fill up.
