Saving money on gas does not have to stop at using a loyalty card. Smart drivers stack multiple savings layers—fuel rewards, cashback, credit card points, and discounted gift cards—to get the best deal possible. Here’s exactly how to combine these strategies for maximum fuel savings every time you fill up.

1. Start with a Strong Gas Rewards Credit Card
   Choose a credit card that offers high cashback or bonus points specifically for gas purchases. Top picks include:

• Chase Freedom Flex: 5% cash back on rotating categories, often including gas.

• Citi Custom Cash Card: 5% cashback on your top spending category, which can include gas.

• Sam’s Club Mastercard: 5% cashback on gas for the first $6,000 spent annually.

2. Link or Scan Loyalty Programs at the Pump
   Enroll in free programs like Shell Fuel Rewards, BPme Rewards, or Exxon Mobil Rewards+ to earn immediate cents-per-gallon discounts. Most stations allow you to scan your loyalty app or enter a phone number before fueling.
3. Buy Discounted Gas Gift Cards Through Cashback Apps
   Before paying at the pump, purchase a discounted gas gift card through platforms like Fluz. You can shop discounted Chevron gas gift cards online via Fluz and apply it instantly at checkout. This lets you stack gift card savings on top of your credit card points and loyalty rewards.
4. Activate Cashback Portals Before Buying Gift Cards
   Before buying gift cards or even gas-related accessories online, check platforms like Rakuten. They sometimes offer extra cashback for retailers that sell gas station gift cards or gas-related products.
5. Time Your Purchases
   If your credit card has quarterly or seasonal bonuses for gas stations, plan larger fuel purchases during those months to maximize your points or cashback returns. Double-check bonus caps to ensure you stay within the optimal spending range.
6. Combine Rewards with Promotions
   Some loyalty programs, such as Shell’s Fuel Rewards, run seasonal promotions offering bonus savings when you fill up multiple times within a period. Monitor app notifications or sign up for email alerts to stay informed.

Real-World Example of a Stack:

• 5% cashback with Citi Custom Cash at gas stations

• 10 cents off per gallon with Shell Fuel Rewards

• 3% instant savings from discounted gift cards through Fluz

• 1% cashback through Rakuten gift card purchase

The combined savings can easily exceed 10–15% on every fill-up.

Stacking rewards requires a few extra steps, but once your system is set up, it becomes second nature—and your gas bill will show the difference.