When it comes to fueling up, most drivers instinctively reach for a credit card—often for the rewards. But in a time of high gas prices, it’s worth asking: is that really the best method? Between cashback-earning gift cards, fuel loyalty programs, and mobile payment apps, the right strategy depends on your financial habits and where you fill up.
Here’s how gift cards and credit cards compare when it comes to fuel savings—and how to stack both for maximum return.
How Credit Cards Work for Fuel Rewards
Many credit cards offer elevated cashback rates or points for gas purchases. Cards like the Citi Custom Cash® Card, Blue Cash Preferred® Card from American Express, and Chase Freedom Flex℠ typically offer 3%–5% cashback on gas station purchases, depending on rotating or fixed categories.
Benefits:
- Automatic rewards with no extra steps
- Additional protections like fraud coverage and card-linked offers
- Often comes with welcome bonuses or cashback multipliers
However, not all credit cards classify gas station purchases the same way. For instance, warehouse club gas stations (like Costco or Sam’s Club) may not count toward bonus fuel categories.
Why Some Drivers Prefer Gift Cards
Gift cards offer flexibility and—when purchased through a cashback platform—can outperform credit cards in certain scenarios. For example, you can earn cashback with a Shell gift card or get rewards with a BP virtual card when buying through Fluz, sometimes reaching 3%–4% back instantly.
Advantages of Gift Cards:
- Instant cashback when purchased through apps like Fluz
- Can be bought for exact payment amounts
- Stackable with fuel loyalty programs such as Fuel Rewards and BPme Rewards
- Ideal for budgeting weekly gas expenses
In some cases, gift cards purchased through cashback platforms may offer higher return rates than a 3% gas credit card, especially during boosted reward promos.
Can You Use Both Together?
Yes—with the right timing. Some drivers use a rewards credit card to buy gas virtual cards through cashback apps, then redeem those cards at the pump. This approach effectively earns cashback twice: once from the credit card (if categorized properly) and once from the gift card cashback platform.
Additionally, pairing either method with gas station loyalty programs can yield further discounts. For example, link your Exxon Mobil Rewards+ or Shell Fuel Rewards account for cents-off at the pump, no matter how you pay.
Where Gift Cards Beat Credit Cards
- Fixed cashback ceilings: If your credit card caps rewards at $6,000 annually for gas, gift cards help you stretch further.
- No debt risk: Prepaid gift cards avoid interest charges if you carry a balance.
- Higher promo windows: Cashback platforms often boost rates for holidays and travel weekends.
Where Credit Cards Win
- Convenience: No need to plan ahead—just swipe.
- Fraud protection: Credit cards offer stronger dispute policies than prepaid methods.
- Sign-up bonuses: Large reward earnings if hitting spending thresholds.
Bottom Line: Use Both Strategically
Rather than choosing one, the smartest drivers combine both:
- Use a credit card to fund your Fluz wallet or buy gift cards
- Earn cashback with a Shell virtual card or get rewards with a BP virtual card
- Link loyalty programs for extra savings at the pump
- Monitor promotions to capitalize on boosted rewards on either side
If done right, you can triple-dip: credit card rewards, cashback from virtual card purchase, and cents-off through fuel loyalty programs—all from one transaction.
