Maximize Your Savings: Gas Station Cash-Back Opportunities Updated Sept 3, 2025
Stack loyalty programs, cards, and apps to shave real money off every fill-up. Offers vary by brand, region, and time — always check current terms at the pump/app before fueling.
Quick Start: The 1–2–3 Stack
- Join the station’s loyalty (BP/Amoco earnify™, Exxon Mobil Rewards+, Shell Fuel Rewards, Circle K Inner Circle/Easy Pay, Speedway Speedy Rewards).
- Pay with a strong gas card (examples below) or an eligible wallet (e.g., Apple Card 3% at Exxon/Mobil via their app).
- Layer a savings app (Upside or Pay with GasBuddy+) when it’s better than the station’s promo.
Best Gas Loyalty Programs (2025)
| Brand | Core Benefit | Notable Promos | How to Use |
|---|---|---|---|
| BP/Amoco — earnify™ | “Always-on” 5¢/gal when you use the app/ID at participating stations. | Ongoing in-app bonuses may increase savings. | Enroll in earnify™, pay in-app / link card / enter phone at pump. |
| Exxon Mobil Rewards+ | 3 pts/gal fuel & 2 pts/$1 in-store; 100 pts = $1 off (≈3¢/gal base). | New member 500-pt ($5) bonus after first 8-gal fill. Frequent Filler & AARP boosters available. | Pay in app or at pump; points auto-redeem for savings. |
| Shell Fuel Rewards® | Status tiers: Gold 5¢/gal, Platinum 10¢/gal; stack with other rewards. | New-member tiered promo windows (e.g., 10¢/20¢/30¢ on 1st/2nd/3rd fills during 2025 promos). | Join FR®, link payment/ID, apply savings at pump. |
| Circle K Inner Circle | New members: 25¢/gal off first 5 fill-ups (in supported regions). | “Fuel Day” events have offered up to 40¢/gal off for a day in some markets. | Sign up in the app or at pump; enter phone number to redeem. |
| Circle K Easy Pay | Everyday 10¢/gal debit-linked savings. | 30¢/gal off first 100 gallons within 60 days after sign-up. | Enroll in app; pay with Easy Pay at pump. |
| Speedway Speedy Rewards | 10 pts/gal fuel & 20 pts/$1 in-store; redeem for fuel discounts (e.g., 10¢/25¢/50¢ off per gal). | Monthly bonus-point promos in app. | Scan app/ID; redeem points for per-gallon discounts (up to station limits). |
Exact availability and amounts vary by state and station; some promos are limited-time or region-specific.
Credit Cards That Pair Well with Gas (2025)
| Card | Gas/EV Earning | Key Notes |
|---|---|---|
| Apple Card (with Apple Pay) | 3% Daily Cash at Exxon™/Mobil™ when paying via the Exxon Mobil Rewards+ app; also 3% at ChargePoint. | Use Apple Pay in the partner app or at compatible pumps. |
| Costco Anywhere Visa® by Citi | 5% at Costco gas; 4% at other eligible gas & EV charging (combined $7,000/yr, then 1%). | Requires Costco membership. |
| Sam’s Club® Mastercard® | 5% on eligible gas & EV charging (up to $6,000/yr, then 1%). | Requires Sam’s Club membership. |
| PenFed Platinum Rewards Visa Signature® | 5X points on fuel & EV charging. | No annual fee; PenFed membership required. |
| Citi Custom Cash® | 5% on your top eligible category (can be gas) up to $500 per billing cycle; 1% thereafter. | Cash back as ThankYou® Points. |
| U.S. Bank Altitude® Connect | 4X at gas stations & EV charging (on first $1,000 each quarter). | Also 4X on travel. |
| AmEx Blue Cash Preferred® | 3% at U.S. gas stations. | Also strong at U.S. supermarkets/streaming; terms apply. |
| PNC Cash Rewards® Visa® | 4% at gas, 3% dining, 2% grocery (first $8,000 combined annually). | Simple flat categories for many households. |
| Citi Strata Premier® | 3X at gas & EV charging. | Travel-focused; additional 10X categories via Citi Travel. |
Issuer terms change; confirm current APRs, caps, and eligibility before applying.
Cash-Back & Price-Finding Apps
Upside
- Widely available at tens of thousands of stations; typical everyday gas cash-back often in the ~5–15¢/gal range (varies by offer and market).
- Occasional new-user promo codes boost first fill(s) — sometimes up to 50¢/gal on a single tank.
- Cash out to bank/PayPal/gift cards (small fee may apply below certain thresholds).
Claim the offer in app before fueling; keep receipt or use check-in per instructions.
Pay with GasBuddy+
- Link account for automatic per-gallon discounts; stack with Deal Alerts for bigger savings.
- Marketing ranges cite savings up to ~30–33¢/gal when stacking eligible promos.
- New 2025 updates expand redemption of Rewards points within the app.
Participation varies by station; read terms carefully (autopay/enrollment may be required for max savings).
Waze (Cheapest Nearby)
- Shows crowd-sourced live gas prices nearby and on-route; sort by price/distance.
- At some Exxon/Mobil & Shell locations, Waze can deep-link to partner apps for contactless pay.
Great for routing to a cheaper station even when you’re not using a cash-back app.
Need Cash? Debit “Cash Back” at the Register
Many convenience-gas chains (e.g., 7-Eleven, ampm, BP/Amoco, Chevron, Circle K, Conoco, QuikTrip, Shell) may let you take a small amount of cash back on a debit purchase. Typical limits are modest — often around $10 to $40 — and are set per location/manager.How to Stack Savings (Example)
- Open Waze/GasBuddy to find the lowest base price on your route.
- Check Upside or your station app for a better per-gallon discount vs. your loyalty status.
- Pay with a high-earning gas card (or Apple Pay where it adds 3% at Exxon/Mobil).
Station promos sometimes beat third-party app offers — compare before you pump.
FAQs
Do loyalty and app savings stack?
Usually yes within a brand’s ecosystem (e.g., Shell FR + grocery partner discounts), but third-party cash-back (Upside/GasBuddy+) may not stack with some in-app station discounts. Read the fine print each time.What about gallon limits?
Many per-gallon discounts cap at 20–35 gallons per fill and may require a minimum purchase (e.g., 8 gallons for some sign-up bonuses).Is Waze price data accurate?
It’s crowd-sourced and usually close; if in doubt, tap into the station’s brand app to confirm.
Author: STAFF HERE ROCK HILL
The ROCK HILL STAFF WRITER represents the experienced team at HERERockHill.com, your go-to source for actionable local news and information in Rock Hill, York County, and beyond. Specializing in "news you can use," we cover essential topics like product reviews for personal and business needs, local business directories, politics, real estate trends, neighborhood insights, and state news affecting the area—with deep expertise drawn from years of dedicated reporting and strong community input, including local press releases and business updates. We deliver top reporting on high-value events such as the Come-See-Me Festival, Rock Hill Arts Festival, and motorsport events at the Rock Hill Velodrome. Our coverage extends to key organizations like the Rock Hill Chamber of Commerce and the Culture & Heritage Museums, plus leading businesses in manufacturing and technology that power the local economy such as 3D Systems and Comporium. As part of the broader HERE network, including HEREAiken.com, HEREBeaufort.com, HEREChapin.com, HERECharleston.com, HEREClinton.com, HEREColumbia.com, HEREGeorgetown.com, HEREGreenwood.com, HEREGreenville.com, HEREHiltonHead.com, HEREIrmo.com, HEREMyrtleBeach.com, HERENewberry.com, HERERockHill.com, and HERESpartanburg.com, we provide comprehensive, credible insights into South Carolina's dynamic landscape.
