If you’re only using one method to save on gas, you’re probably leaving money on the table. The smartest drivers know how to combine loyalty programs, cashback apps, and digital gift cards to lower their per-gallon cost at every fill-up. It’s not as complicated as it sounds—and once you set it up, it becomes automatic.

Here’s how to stack gas savings like a pro.

1. Start with a Store Loyalty Program

Many grocery chains and gas stations offer fuel rewards just for shopping with them. These programs are free to join and often provide points you can redeem at the pump.

• Kroger Fuel Points: Earn 1 point per $1 spent at Kroger and affiliated stores. Redeem 100 points for 10¢ off per gallon—up to $1 per gallon with sufficient balance.

• Safeway Gas Rewards: Similar to Kroger, you earn rewards by shopping and can redeem them at participating stations.

• Speedway Speedy Rewards: Earn points on gas and in-store purchases, then trade them in for fuel discounts or merchandise.

2. Add Cashback from Apps

Once your loyalty program is set up, the next layer is cashback. Apps like Ibotta and Rakuten can help you earn extra rewards just for buying groceries or gas station snacks—items you’re already purchasing.

• Ibotta: Offers cashback on specific items, often from major grocery brands. You can stack this with your loyalty points by linking store accounts.

• Rakuten: Best for online shopping, but some grocery stores and gift card platforms offer cashback through Rakuten as well. Activate offers before placing any grocery pickup or delivery orders.

3. Use Discounted Digital Gift Cards

For the final layer, consider buying a gift card before you pay. Platforms like Fluz let you purchase digital gift cards for gas stations and earn instant cashback at checkout. You can then use that gift card to pay at the pump or inside, while still receiving loyalty and app-based rewards.

This works well at stores like:

• Shell

• Chevron

• Speedway

Because Fluz gives cashback on the gift card purchase—not the transaction itself—you can use the card in combination with loyalty discounts and receipt-based cashback.

Example Stack:

1. Shop at Kroger → earn fuel points

2. Use a gift card from Fluz to pay → earn cashback

3. Redeem Ibotta offers for the groceries you bought → earn bonus rewards

4. Use Kroger Fuel Points at the pump → save up to $1/gallon

4. Timing and Planning Make It Better

Stacking works best when you plan ahead:

• Track fuel point expiration dates so they don’t go to waste

• Buy gift cards in the app right before you fill up so you get the freshest cashback rate

• Use receipt tracking apps like Upside when applicable, but don’t double-dip where terms forbid it

Final Thoughts

Gas savings don’t have to come from just one source. When you layer loyalty programs, cashback apps, and discounted gift cards, you can turn everyday expenses into real returns—without changing where or how you shop. A few minutes of setup now can lead to year-round savings.