When it comes to saving money on gas, most people focus on the price per gallon. But here’s the truth: how you pay for gas can be just as important as where you buy it. From digital gift cards to reward-earning apps, the right payment method can add up to meaningful savings over time—without needing to chase the cheapest station in town.

If you’re looking to cut fuel costs without changing your route, here are smarter ways to pay at the pump that actually pay you back.

Use Gift Cards to Lock in Cashback with Fluz

Instead of swiping a debit or credit card, consider paying with a digital gift card from Fluz. This app lets you buy exact-value gas gift cards and gives you instant cashback at checkout—so you’re rewarded before you even fuel up.

You can save money on Chevron gift cards, earn cashback at Shell, or get a discount on Texaco fill-ups, all through the app. It’s especially helpful for budgeters, since you can pre-set how much you’re spending and avoid fuel-related overspending.

Since gift cards are treated like cash, they also help you avoid credit card fees that some stations charge—particularly at smaller, independently owned gas stations.

Earn Additional Cashback Through Apps Like Rakuten

While not gas-specific, Rakuten can help you save indirectly by offering cashback on gas-related purchases like car accessories, snacks from convenience store chains, or gift cards to use at the pump.

If you’re already using Rakuten to shop online for groceries, auto supplies, or even prepaid fuel cards, the rewards earned can easily offset your next tank. Some drivers use Rakuten to buy discounted gift cards (when available) for gas stations or retailers with fuel perks—then stack those savings with apps like Fluz.

Link Loyalty and Rewards Cards (the Right Way)

Many major gas brands have free loyalty programs—like Shell Fuel Rewards, BPme, or Exxon Mobil Rewards+—that give you cents off per gallon when you sign up and use a linked payment method. But not every payment qualifies.

• Credit cards often earn rewards, but may trigger extra charges at the pump.
• Debit cards are widely accepted but rarely earn points or cashback.
• Prepaid gift cards, like the ones you buy through Fluz, work seamlessly with loyalty accounts at stations that allow alternative payment methods.

Make sure your payment method qualifies for loyalty discounts, and always enter your phone number or scan your app before fueling to get the full benefit.

Final Thoughts

Saving on gas isn’t just about hunting for the lowest price—it’s about making your payment method work harder. Whether you’re preloading your fuel budget with Fluz gift cards, earning on everyday purchases through Rakuten, or swiping a rewards-linked card, the way you pay can unlock cashback, avoid hidden fees, and stretch every dollar further.

Skip the coupon-clipping and overdriving. A smarter fuel payment strategy starts with what’s already in your pocket.