With gas prices remaining one of the most unpredictable household expenses, using the right credit card can help you save significantly at the pump. Many credit cards now offer fuel-specific cashback or points, making them essential tools for budget-conscious drivers. When paired with loyalty programs and digital gift cards, these cards can stretch your fuel budget even further.
Top Credit Cards for Fuel Cashback
- Citi Custom Cash℠ Card – Automatically earns 5% cashback on your top eligible spending category, which can include gas purchases.
- Chase Freedom Flex℠ – Offers rotating quarterly categories with 5% cashback, often including gas stations.
- Bank of America® Customized Cash Rewards Card – Lets you choose your 3% cashback category, with gas being a common pick.
- Wells Fargo Autograph℠ Card – Provides unlimited 3X points on gas purchases, plus other travel categories.
- Costco Anywhere Visa® Card by Citi – Great for Costco members, offering 4% cashback on eligible gas purchases worldwide.
Stacking Credit Card Rewards with Loyalty Programs
Pairing these credit cards with fuel rewards programs like ExxonMobil Rewards+ or BPme Rewards helps maximize returns. Each program provides cents-per-gallon savings that can be layered on top of your card’s cashback.
Boost Savings with Digital Gift Cards
Using Fluz, you can instantly purchase digital fuel gift cards and earn cashback upfront. For example, when you earn cashback with an ExxonMobil gift card or get rewards with a BP gift card, you’re stacking instant savings with your credit card’s fuel rewards and the gas station’s loyalty program. This three-way strategy makes every gallon cheaper.
Why Stacking Rewards Matters
On their own, fuel cashback credit cards save money, but combining them with Fluz and loyalty programs creates an unbeatable system. For example, using a 3% cashback card to buy an ExxonMobil gift card on Fluz earns credit card rewards plus Fluz cashback, and paying with that card at the station earns ExxonMobil Rewards+ points. This means one transaction earns three streams of savings.
The Bottom Line
Fuel costs can’t be avoided, but with the right card and smart planning, you can make every purchase work for you. Choosing a credit card that rewards fuel purchases and pairing it with Fluz to earn cashback with an ExxonMobil gift card or get rewards with a BP gift card ensures that every trip to the gas station leaves you with more money in your pocket.
