Gas prices may fluctuate, but one thing stays constant—your ability to control how much you actually spend with the right tools. Savvy drivers are learning how to combine gift cards with loyalty programs to save more on every gallon. This method doesn’t require coupons or gimmicks—just smart stacking.

Here’s how the strategy works, and how you can start combining rewards to cut your fuel costs immediately.

Why Stack Gift Cards and Fuel Loyalty Programs?

Fuel loyalty programs like Exxon Mobil Rewards+ and Shell Fuel Rewards offer ongoing discounts or points per gallon. These programs are often free to join and can shave anywhere from 3 to 10 cents per gallon off your total at the pump.

But there’s a bonus move: instead of paying with your debit or credit card, use a discounted or cashback-eligible gift card. For instance, when you earn cashback with a Shell virtual card or get rewards with a Speedway gift card, you lock in savings before you even pump.

By layering both methods—cashback on the card and rewards at the station—you maximize savings without changing your fuel habits.

How to Stack the Right Way

1. Start with a loyalty account:
   Sign up for programs like BPme Rewards or Exxon Mobil Rewards+. Make sure your phone number or rewards ID is linked to each transaction.

2. Buy a discounted gift card through a cashback platform:
   Use apps like Fluz to find branded gas gift cards that earn instant cashback. You can earn cashback with a BP virtual card or find seasonal promos that boost savings even higher.

3. Redeem your gift card as payment:
   Depending on the station, you can input gift card info directly at the pump, redeem it in-store, or add it to a brand app like Shell or 7-Eleven for seamless mobile pay.

4. Stack with grocery-linked fuel programs:
   Stores like Kroger, Safeway, and Albertsons let you earn cents-off per gallon when you shop. Redeem those discounts at participating fuel centers using your gift card for double savings.
   

Tips to Maximize Stacking Benefits

• Always check the fine print on gift cards. Some may only be redeemable in-store, while others can be used directly at the pump or in-app.
  
• Some loyalty programs offer “power-up” bonuses (e.g., extra cents off per gallon) if you meet spending thresholds. Combine this with prepaid cards to meet those targets intentionally.
  
• Time your gift card purchase during promotional windows. For example, Fluz occasionally boosts gas brand cashback rates during national holidays or travel-heavy weekends.
  

Stacking in Action: A Real-World Example

Say you’re filling up at Shell. You:

• Buy a $50 Shell virtual card through Fluz and get 3% cashback (that’s $1.50 instantly)
  
• Use the Shell Fuel Rewards program to get 5 cents off per gallon
  
• Redeem 100 grocery fuel points from Kroger to get 10 cents off more
  

That’s three layers of savings on one transaction—and it adds up when you’re fueling weekly.

Bottom Line

Gift card stacking with fuel rewards isn’t just a couponing hack—it’s a sustainable way to reduce your monthly driving expenses. Whether you earn cashback with a Speedway gift card or get rewards with a BP virtual card, pairing these cards with free loyalty programs can transform how you pay for gas—without changing how much you drive.