The Best Reward Programs for Gas and Groceries in the USA
Spending on gas and groceries adds up quickly for American families, but the right rewards programs can turn those everyday expenses into real savings. In 2026, top programs from gas stations, grocery...
Spending on gas and groceries adds up quickly for American families, but the right rewards programs can turn those everyday expenses into real savings. In 2026, top programs from gas stations, grocery chains, and credit cards offer cents off per gallon, points toward discounts, and cash back that stack up to hundreds of dollars yearly.
Whether you're filling up at Exxon or shopping at Kroger, these rewards target your routine drives and weekly hauls. We'll break down the best options, how they work, and tips to maximize value—all tailored for U.S. drivers and shoppers.
Top Gas Station Rewards Programs
Gas rewards programs provide instant discounts or points redeemable at the pump. Many are free to join via apps, delivering reliable savings without annual fees.
Exxon Mobil Rewards+
Exxon Mobil Rewards+ stands out for its simplicity and app-based tracking. Earn 3 cents per gallon in points on fuel, plus 2 cents per dollar on convenience store items and car washes—excluding lottery tickets, gift cards, and cash back. Frequent fillers unlock bonus status for extra perks[1][2].
Pro tip: Use premium gas for 2X points, potentially reaching 10 cents off per gallon in rewards[2].
BP Earnify
BP's Earnify program offers 5 cents off per gallon instantly when you use the app at the pump. It includes occasional bonus offers and a price-matching option to beat competitors[1].
Ideal for East Coast and Southern drivers, this program's no-fuss setup makes it a top pick for consistent savings.
Shell Fuel Rewards
Shell provides 3 cents per gallon baseline, with frequency points building to Platinum status for up to 10 cents off. Pair it with car rental discounts for added value[1][3].
Other Strong Contenders
- Maverik Adventure Club: 2 cents off per gallon, plus Trail Points on fuel and in-store buys; Nitro card boosts to 10 cents for checking account holders[1].
- Pilot Flying J myRewards Plus: 10 cents per gallon for pros and RVers, with military discounts and in-store points[1].
- Speedway Speedy Rewards: Customizable points on fuel and retail, with bonus multipliers[1][3].
Compare at a glance:
| Name | Minimum Savings | How it Works | Other Benefits |
|---|---|---|---|
| Exxon Mobil Rewards+ | 3 cents/gallon | Points for fuel/retail | Frequent filler status, app tracking[1] |
| BP Earnify | 5 cents/gallon | App at pump | Bonus offers, price match[1] |
| Shell Fuel Rewards | 3 cents/gallon | Frequency points | Platinum level, rentals[1] |
| Maverik Adventure Club | 2 cents/gallon | Points system | Nitro card 10 cents[1] |
Best Grocery Store Rewards for Gas Savings
Grocery loyalty programs link your food shopping to fuel discounts, often redeemable at partner stations. Earn points on staples and redeem for 10 cents to $1 off per gallon.
Kroger Fuel Points
Kroger's free program earns 1 point per $1 on groceries. Redeem 100 points for 10 cents off per gallon (up to $1 off on 1,000 points) at Kroger fuel centers and Shell stations. Max out on a 35-gallon fill-up[2][5].
Participating items and gift cards accelerate earnings—$25 gift cards yield 50 points.
Albertsons for U Gas Rewards
Albertsons mirrors Kroger: 1 point per $1 on groceries (2 points on select), redeemable for 10 cents off per 100 points, up to $1 off. Enjoy birthday freebies, digital coupons, and personalized deals[2][5].
Harris Teeter Fuel Points
Earn 1 fuel point per $1 spent, with bonuses like 50 points per non-federally funded prescription or $25 gift cards. Save up to $1 per gallon[2].
Giant Eagle Fuelperks+
Get 1 perk per $1 on groceries/gift cards, 2 perks per gallon at GetGo, and 5 per prescription. Redeem for fuel or grocery discounts[2].
Wholesale Club Options
Costco and Sam's Club require memberships but deliver low base prices plus rewards. Costco Anywhere Visa offers 5% cash back at Costco gas (4% elsewhere, up to $7,000/year)[3][5]. Sam's Club Plus members get 5% Sam's Cash on fuel (capped at 6,000 points)[5].
Actionable advice: Check your local grocery chain's app for Fuel Points—most are free and stack with station programs.
Top Credit Cards for Gas and Groceries
Credit cards amplify rewards with cash back on both categories. No need for specific stations; use anywhere Visa/Mastercard is accepted. Watch for annual fees and spending caps.
Citi Custom Cash
The standout for variable spenders: 5% cash back (up to $500/month) when gas is your top category—about 15 cents per gallon at $3/gas. Also covers groceries[3][4].
Bank of America Customized Cash Rewards
Choose gas for 3% cash back (6% first year), plus 2% on groceries/wholesale clubs. $2,500 quarterly cap on bonuses[3][4].
Chase Freedom Flex
5% on rotating categories (gas/EV in Q3 2025, likely similar in 2026) up to $1,500/quarter after activation. No annual fee[4].
Costco Anywhere Visa
4% on gas/EV (5% at Costco), 3% on restaurants/travel, 2% at Costco—perfect for members[3][4][5].
| Card | Gas Rewards | Grocery Rewards | Annual Fee |
|---|---|---|---|
| Citi Custom Cash | 5% (top category) | 5% (top category) | $0 |
| BofA Customized Cash | 3% (6% yr 1) | 2% (wholesale) | $0 |
| Chase Freedom Flex | 5% rotating | 5% rotating | $0 |
| Costco Anywhere Visa | 4-5% | 2% at Costco | $0 (w/ membership) |
Stacking Strategies for Maximum Savings
Combine programs for compounded discounts:
- Grocery points + station app (e.g., Kroger at Shell).
- Credit card cash back + loyalty program.
- Apps like Upside or GasBuddy for extra cents off[2].
Track with apps: Most programs integrate with digital wallets. Set reminders for quarterly activations on cards like Chase.
Per IRS rules, rewards are generally not taxable unless redeemed for cash equivalents—consult irs.gov for your situation[1].
FAQ
What’s the easiest gas rewards program to start? Exxon Mobil Rewards+ or BP Earnify—just download the app and link payment[1].
Do grocery gas rewards work everywhere? No, they're tied to partner stations like Kroger-Shell. Check the app for locations[2][5].
Are these rewards taxable? Points for discounts usually aren't, but cash back might be. See IRS Publication 525 at irs.gov[1].
Can I stack credit card rewards with loyalty programs? Yes, pay with your card and apply the station/grocery discount first[3][4].
What if I drive for rideshare or fleets? Pilot Flying J or AtoB Fleet Card offer tailored high-volume perks[1][4].
Are wholesale clubs worth it for gas? Yes for frequent shoppers—Costco/Sam's beat averages even before rewards[3][5].
Next Steps to Fuel Up Savings
Pick one gas program and grocery loyalty based on your local stations, then pair with a no-fee credit card like Citi Custom Cash. Download apps today, enroll online, and track your first month's savings. Reassess quarterly to rotate rotating categories and promos. Small switches like these can save $500+ yearly on gas and groceries—start pumping those rewards now.
Sources & References
- 6 Best Gas Rewards Programs Save Money at the Pump — thepennyhoarder.com
- Best Gas Rewards Programs for Fuel Discounts in 2026 — therideshareguy.com
- These Rewards Programs Could Actually Save You Money On Gas — jalopnik.com
- 10 Best Gas Rewards Cards & Fuel Discounts For Fleet Owners — atob.com
- Best Grocery Store Gas Rewards - Sporked — sporked.com
Related Articles
Best Cash Back Credit Cards 2026: Maximize Your Daily Spending
Imagine turning your everyday grocery runs, gas station stops, and online shopping into a steady stream of cash back rewards. In 2026, the best cash back credit cards make it easier than ever for Amer...
The Best Credit Cards for Gas Station Rewards in 2026
With gas prices fluctuating across the United States in 2026, finding the right credit card can turn your weekly fill-ups into serious savings. Whether you're commuting in California traffic or road-t...
The Best Student Credit Cards for Building Credit in College
College is the perfect time to start building credit—think of it as laying the foundation for your financial future before graduation hits. With the right student credit card, you can earn rewards on...
The 5 Best Rewards Cards for International Travel in 2026
Planning your next international adventure from the U.S.? The right rewards credit card can turn everyday spending into free flights, hotel stays, and more—without the hefty foreign transaction fees t...