Key Points

• Stacking a fuel loyalty program with the right gas credit card is the single fastest way to cut your fuel costs, and most programs are completely free to join.
• Programs like Shell Fuel Rewards and Love's Rewards reward loyal fill-ups with automatic per-gallon discounts, while others like Kroger Fuel Points let you earn savings through everyday grocery shopping.
• The best program for you depends on which stations are near your home and commute route — and whether you want instant savings or points you accumulate over time.

Gas prices fluctuate constantly, but one thing doesn't change: if you're filling up without a fuel loyalty program, you're leaving real money on the table every single time. These programs are free, require almost zero maintenance, and can easily shave $100 to $300 off your annual fuel bill depending on how much you drive.

The good news is you don't have to pick just one strategy. The smartest approach stacks a fuel loyalty program with one of the best gas credit cards to double (or even triple) your savings at the pump. Below, we've broken down every major national fuel rewards program, what each one is actually worth, and who each one makes the most sense for.

How Fuel Loyalty Programs Work

Most fuel rewards programs fall into one of two categories: points-based programs (you earn points per gallon or per dollar, then redeem for discounts) and automatic discount programs (you save cents-per-gallon immediately just by being a member).

A few programs blend both approaches. Neither structure is universally better — it depends on how consistently you fill up at one chain and whether you can realistically reach the redemption thresholds in a points program before they expire.

One thing to watch with every program on this list: expiration policies. Points that expire after 90 days of inactivity can quietly disappear if you travel, switch stations seasonally, or just forget to fill up at that specific chain. We've flagged expiration timelines for every program below.

If you want to layer even more savings on top of your loyalty program, apps like Upside offer cash back on gas purchases at thousands of stations nationwide — often stackable with both your loyalty program and your credit card rewards.

BP Earnify

BP Earnify works at BP and Amoco stations. You earn 1 point per dollar spent on fuel and 2 points per dollar in the convenience store, plus an automatic 5-cent-per-gallon discount just for being a member. You can link a payment card or use the app.

Redemption value: 200 points gets you a $2 discount on fuel or in-store purchases, making each point worth roughly 1 cent.

Watch out for: Points expire after just 90 days of account inactivity — one of the shortest windows on this list. If you don't fill up at BP or Amoco regularly, these points can vanish before you even notice.

Best for: Regular BP or Amoco customers who want an automatic discount plus the ability to stack bonus rewards.

Casey's Rewards

Casey's Rewards is built for the Midwest, where Casey's stations double as a pizza and convenience destination. You earn 5 points per gallon on fuel and 10 points per dollar on in-store or online orders. Whole-pizza purchases earn double points, and new members get 10 cents off per gallon on their first fuel purchase (up to 20 gallons).

Redemption value: 250 points = $1 in Casey's Cash, a 5-cent-per-gallon fuel discount, or a $1 school donation. That puts each point at about 0.4 cents.

The redemption value is on the lower end, but if you're regularly buying food at Casey's anyway, the 10 points per dollar on in-store purchases adds up quickly and can more than compensate.

Watch out for: Redeemed rewards like Casey's Cash expire 30 days after you earn them. Don't let them sit unused.

Best for: Midwest drivers who already shop at Casey's for food and want to maximize their fuel savings by combining grocery and gas rewards.

Chevron Texaco Rewards

Chevron Texaco Rewards is one of the more rewarding programs on a pure per-gallon basis. Members earn 5 points per gallon when paying via the app or entering their account phone number at the pump.

The new member offer is genuinely great: 25 cents off per gallon on your first five visits. After that, you redeem points for fuel discounts at a rate of up to 500 points for 50 cents off per gallon (on up to 25 gallons per fill-up).

Redemption value: If you're buying a full 25 gallons at redemption, each point is worth up to 2.5 cents — making this one of the highest-value programs available when you redeem optimally.

Watch out for: Rewards expire after 90 days of account inactivity. This is the same aggressive window as BP Earnify, so if Chevron or Texaco isn't your everyday station, you may struggle to maintain activity.

Best for: Chevron or Texaco loyalists who fill up frequently and want one of the highest per-point values on this list.

Circle K Inner Circle Rewards

Circle K takes a different approach than most programs here. Instead of points, Inner Circle Rewards offers automatic cents-per-gallon savings with no math required.

New members get 25 cents off per gallon on their first five fill-ups at participating locations — a legitimate way to save $5 to $8 right out of the gate. After that, you'll save 3 cents per gallon if you spend less than $500 annually at participating Circle K stations, or 5 cents per gallon if you cross that threshold.

Members also get Polar Pop drinks (up to 44 ounces) for 79 cents — a nice perk for road trippers. Periodic member challenges in the app can unlock additional fuel discounts when you hit specific milestones.

Best for: Casual drivers who want hassle-free savings without worrying about accumulating and redeeming points. Also great for commuters who pass a Circle K regularly.

Exxon Mobil Rewards+

Exxon Mobil Rewards+ earns you 3 points per gallon on regular gas and 6 points per gallon on premium, plus 2 points per dollar on convenience store purchases. Each point is worth 1 cent, and you can redeem for savings on fuel or in-store.

Two groups get meaningful upgrades here. AARP members earn an extra point per gallon at the pump and per dollar in-store. Frequent Filler members (100+ gallons of Synergy fuel purchased in the current or prior month) also earn bonus points, making this program one of the best for high-mileage drivers who use Exxon or Mobil regularly.

There's also a birthday bonus: enter your birthdate in the app and you'll receive 100 bonus points on your first eligible purchase in your birth month.

Watch out for: Points expire at the end of the calendar year after the one in which you earned them. Points earned in 2026 expire December 31, 2027 — one of the most generous expiration policies on this list.

Minimum redemption: 100 points at a time.

Best for: High-mileage drivers, AARP members, and anyone who fills up with premium fuel and wants to maximize per-gallon earnings.

Kroger Fuel Points

Kroger Fuel Points is the most unique program on this list because you earn most of your savings at the grocery store, not the gas station. This makes it particularly powerful for households that do regular grocery shopping at Kroger-owned stores, which include Ralphs, Fred Meyer, King Soopers, Harris Teeter, and more than 20 other regional brands.

You earn 1 point per dollar on most grocery purchases, 25 points per non-federally-funded prescription filled, and 2 points per dollar on select gift cards. Gift card purchases are where this program really shines — buying restaurant or retailer gift cards you'd use anyway at 2x the rate is a simple multiplier that many members overlook.

Redemption value: 100 points = 10 cents off per gallon (on up to 35 gallons) at Kroger Fuel Centers or participating Shell locations. You can stack up to 1,000 points per transaction at Kroger Fuel Centers for a maximum discount of $1 off per gallon.

Even without redeeming points, Kroger Fuel Centers give members a 3-cent-per-gallon automatic discount.

Pairing this program with the best credit cards for gas and groceries lets you earn rewards on both the grocery spending that generates your fuel points and the fill-ups themselves.

Watch out for: Points expire at the end of the month following the one in which you earn them — the shortest expiration window on this list. Points earned in March expire at the end of April. You need to be intentional about using these before they disappear.

Best for: Frequent Kroger family-of-stores shoppers, especially families who buy a lot of groceries or fill prescriptions regularly. The gift card angle alone makes this worth exploring if you have a Kroger nearby.

Love's Rewards

Love's Rewards is built primarily for road trippers and long-haul drivers. You earn 1 point per gallon on fuel and 2 points per dollar in-store, with bonus points on Love's-branded items and fresh food.

The real value here is the automatic 10-cent-per-gallon discount on gas and up to 25 cents per gallon on auto diesel just for being a member. You don't need to accumulate or redeem anything for those savings to kick in.

Earned points redeem at 1 cent each toward food, drinks, and in-store merchandise at Love's-owned restaurants.

Bonus perk: Buy four fountain drinks or coffees, get the fifth free. If you're on a road trip stopping at Love's regularly, this adds up.

Watch out for: Points expire after six months without earning or redemption activity. Among programs that use an inactivity clock, six months is on the generous side.

Best for: Road trippers, RV owners, and drivers of diesel vehicles who frequently stop at Love's Travel Stops across the US.

Shell Fuel Rewards

Shell Fuel Rewards is one of the most flexible programs on this list, with multiple ways to earn cents-per-gallon discounts that go beyond just filling up at Shell.

The program uses a tiered status structure:

• Silver: 3 cents off per gallon (default for all members)
• Gold: 5 cents off per gallon (6 fill-ups of main-grade or 3 fill-ups of V-Power premium per quarter)
• Platinum: 10 cents off per gallon (12 fill-ups of main-grade or 6 fill-ups of V-Power premium per quarter)

Each qualifying fill-up must be at least 10 gallons, and all savings are capped at 20 gallons per purchase.

Beyond the status tiers, Shell Fuel Rewards connects to a network of participating restaurants, retailers, and services where you can earn additional cents-per-gallon savings. You can also link your Kroger loyalty account to earn fuel rewards on grocery spending.

T-Mobile Tuesday stacking: T-Mobile customers can score an additional 10-cent-per-gallon discount through the T-Mobile Tuesdays app, stackable on top of your regular Shell Fuel Rewards status discount. That's potentially a combined 20 to 25 cents off per gallon every Tuesday — one of the best free stacking opportunities available at any gas station in the country.

Best for: High-frequency Shell customers who want to compound savings through multiple channels, and T-Mobile subscribers who want to squeeze maximum value out of their plan.

Speedway Speedy Rewards

Speedway Speedy Rewards earns 10 points per gallon on fuel and additional points on in-store purchases, making the earning rate one of the highest per-gallon of any program here on paper.

Watch out for: Points have expiration rules tied to account inactivity. Check current terms in the Speedy Rewards app, as redemption values and expiration windows have changed periodically.

Best for: Speedway regulars, particularly in the Midwest and Southeast where Speedway has heavy concentration.

Sunoco Go Rewards

Sunoco Go Rewards offers savings of up to 13 cents per gallon, but there's a critical caveat: you must pay through the Sunoco Go app to receive any discount. Card swipes at the pump without the app get you nothing.

If you're willing to pay through the app consistently, the per-gallon savings are among the highest of any automatic discount program on this list. The app also offers periodic bonus promotions.

Best for: Tech-comfortable drivers near Sunoco stations who are willing to build the app-payment habit in exchange for meaningful per-gallon savings.

7Rewards (7-Eleven)

7Rewards saves members at least 5 cents per gallon at participating 7-Eleven fuel locations. Like Sunoco, the program runs primarily through the 7-Eleven app.

7-Eleven stations with fuel are more common in certain regions, so availability varies. Check the app for fuel locations near you before assuming your nearby 7-Eleven offers fuel savings.

Best for: Urban and suburban drivers with 7-Eleven fuel locations on their commute who already use the 7Rewards app for in-store purchases.

How to Stack Fuel Loyalty Programs with Credit Cards

Joining a fuel loyalty program and stopping there is leaving money behind. The real power comes from combining your program savings with a rewards credit card that earns bonus points on gas.

The Costco Anywhere Visa® Card by Citi earns 4% cash back on eligible gas purchases (up to $7,000 per year), making it one of the strongest flat-rate gas cards available. The Citi Custom Cash® Card is another strong option if gas is your top monthly category — it earns 5% back on your top eligible spend category each billing cycle (up to $500). And if you want flexible rewards that also cover travel, the U.S. Bank Altitude® Connect earns 4x points per dollar at gas stations.

Here's what stacking can look like in practice. Say you're a Shell Fuel Rewards Gold member saving 5 cents per gallon, and you pay with the Costco Anywhere Visa. On a 15-gallon fill-up at $3.50 per gallon:

• Shell discount: 15 gallons × $0.05 = $0.75 saved
• 4% back on $52.50 paid = $2.10 earned
• Total value: $2.85 on a single fill-up

Do that twice a week for a year and you're looking at roughly $296 in combined fuel savings — all without paying any membership fee. That's before counting welcome bonuses or category multipliers from whichever card you pair with your program. For a full breakdown of your options, our best gas credit cards guide covers the top picks for every type of driver.

If you want one more layer on top of all that, Upside is a free app that offers cash back at thousands of gas stations across the US. It stacks with your loyalty program and your credit card, so every fill-up is working on three tracks at once.

Which Fuel Loyalty Program Should You Join?

There's no single best answer — it genuinely depends on which stations are convenient for you. That said, here are the clearest recommendations:

For pure automatic savings with no math: Circle K Inner Circle Rewards (especially the first five fill-up discount) or Love's Rewards if you're near a Love's location.

For the highest ceiling if you optimize redemptions: Chevron Texaco Rewards, where points can be worth up to 2.5 cents each when redeemed on a full tank.

For grocery shoppers who want to earn fuel savings without changing their behavior: Kroger Fuel Points, assuming you already shop at a Kroger family store.

For T-Mobile subscribers: Shell Fuel Rewards. The Tuesday discount stacking opportunity alone can be worth 10 to 25 cents off per gallon once a week.

For premium fuel drivers and high-mileage commuters: Exxon Mobil Rewards+, which offers the best per-gallon earning on premium gas and one of the most forgiving expiration windows on this list.

And remember: these programs are free. There's no reason not to join two or three and use whichever station is most convenient at the moment, especially when you're traveling.

Frequently Asked Questions

Can I use a fuel loyalty program and a gas rewards credit card at the same time?Yes, and you should. Fuel loyalty program discounts come off your total before you pay, and you earn credit card rewards on whatever amount you actually pay. They stack. Check out our guide to gas and grocery credit cards to find the best card to pair with your program.

Do I need the app for these programs to work?Most programs let you link a phone number or payment card, so the app isn't always required. However, Sunoco Go Rewards is a notable exception — you must pay through the app to receive any discount.

What happens to my points if I don't use a station for a few months?Most programs on this list use inactivity-based expiration, meaning your points expire if you don't earn or redeem within a set window. The tightest windows are 90 days (BP Earnify, Chevron Texaco), and the most generous are 12 months (Casey's Rewards) and the end of the calendar year after you earn (Exxon Mobil).

Are warehouse club gas discounts included here?No. Costco and Sam's Club offer significant fuel savings for members, but those require paid memberships and aren't strictly loyalty programs. That said, the Costco Anywhere Visa® Card by Citi earns 4% on eligible gas purchases at any station and is worth pairing with any of the programs on this list. Our complete guide to the Costco Anywhere Visa walks through exactly how to maximize it.

Is it worth joining a fuel program if I mostly charge an EV?A few programs, including Shell Fuel Rewards, have begun piloting EV charging rewards. Coverage is still limited, so the programs above are primarily relevant for gasoline vehicles for now.

The best fuel loyalty programs don't require any change in your driving habits. You just sign up, link a payment method, and start saving on purchases you were already making. Add a solid gas credit card and a stacking app like Upside to the mix, and you've built a system that quietly cuts hundreds of dollars from your fuel costs every year.

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