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See I told you, this would help!

Coupon Abbreviations
  • SC = Store Coupon
  • MC = Manufacturer Coupon
  • SS = Smart Source
  • RP = Red Plum
  • PG = Proctor and Gamble
Coupon Terms
  • WYB = When You Buy
  • B1G1 = Buy One Get One Free
  • .75/1 = 75 cents off one item
  • .75/3 = 75 cents off three items
  • EXP = Expiration Date

Going Nuts? I can help you understand coupon terms and abbreviations

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Welcome to part 3 in “How to Save Money on Gas”!  In this part of the gas series, we are going to focus on saving gas via credit cards.  The real question is, does having a card save you money in the end?  And how much does it save??

Looking to save on gas?  Here are some tips.

If you are one of those people who can consistently pay off a credit card, you could be saving 5-10% on your gas prices through a rebate.  This means that your $40 fill-up will cost you around $36-$38.  While this may not seem like much, if you spend over $150 in gas a month (which is only around 4 tanks), you will save around $8-$15 per month.

The Cards for Nationwide Stations:

Station Card Type Reward Amount Reward Length Annual Fee
Chevron-Texaco Visa 10¢ per gallon Up to $300 in rewards per year No
BP Card Visa 25¢ then 15¢ per gallon No limit on rewards, expire after 1 year No
Shell Mastercard 10¢ off for $500 spent Up to $240 in rewards per year No

I’m not going into the APR’s here because you should really only get one of the above if you are going to pay it off each month. If you carry ANY balance at all then you will have NO benefit from using the card.

Most of these do give you 1-2% back on purchases at other places (non gas) but honestly to use this correctly it needs to be just for gas purchases.  If you start making bigger purchases you are going to run into not being to pay it off.

Mathematically also note that a 5% rebate is larger than a flat 10¢ savings. The flat savings would only pay off if your gas prices were $2 or less (not likely).

One option that’s not a credit card:
The Shell Saver Card isn’t a credit card but functions instead like a debit card linking straight to your checking account.  Now through April 30, 2011, you can save 10¢ per gallon for every Shell Station gas purchase.  Afterward you will still receive 2¢ back.

Putting these together with your grocery gas savings could make for a huge gas savings!  Earn Kroger Gas credits or Fuelperk credits that are all good at Shell and then get an extra 10¢ back or 5% rebate!!

This was going to be my final post in this series but then the deeper I dug the more I wanted to share!! Tune in soon for great gas saving phone apps and other tips.

    • Chazree

      could u put a link in your posts to the original 1st post on gas savings? I couldn't find it after I read your 2nd post the other day. Thanks

    • Donna

      I had no idea about the Shell saver card – perfect match for my grocery store's program! I'm debating though… the 10 cents promotion ends in a month and a half. I'm wondering if they'll do another one like that in the near future, and I could take advantage of the full 4 months… it's a gamble!

      • I'm in debate with you but am taking the risk now and if they do something later might sign up my husband or someone else…

        • Donna

          Hmmm…. I wonder if I could sign up for another card using a different checking account.

      • Cmsh05

        Our local shell stations have 10 cent off Thursdays and if you pay in cash give you 4 cents off everyday

    • I love our Kroger credit card for saving money on gas! Gives you 15 cents off a gallon instead of the usual 10 cents when you use it. We use it just for gas and pay it off each month. AND every quarter earn $20-$50 in Kroger gift certificates for free groceries!

      • Aly B

        I agree! I do the same thing with my Kroger credit card. I love them giving me a great discount and paying me to shop at their store. Last year I got over $100 of free groceries using this card.

    • Bee

      Sounds like a couple of good deals, and I like that the emphasis is placed on paying off card each month.

      I haven't carried any type of credit card in about 4 years, so I think I'll just ride it out without getting one.

      As high as gas is going, the greatest savings is going to be realized by simply finding ways to drive less. For instance, if someone drives 20 miles one way to visit a friend or shop twice a week, that is basically $14 in an average vehicle (higher in some). Cut it down to one trip and automatically save $7 or $28 per month. Even cutting down on runs to the Walgreen's, etc will show results.

      Consolidating and eliminating trips requires a lot less brain power than keeping up with various reward programs, etc.

    • Janice

      My Costco American express card gives back 3% on gas 365 days a year. I did the math of what they were offering at my shell station a couple of months ago, and it was actually better to use the American Express. Also, Discover at least once or twice a year gives back 5% for a few months if you've signed up. These are still good savings without having to get yet another card.

    • Kim L

      Don't forget a UPromise credit card for Exxon gas. Although it's not a cash back situation, it puts the $$ towards college and a little bit can add up (amazingly!) over time, especially if you start when they're little. As mentioned above, though, it ONLY works if you pay it off monthly as the interest rates are generally higher than other comparable cards.

    • Coupons090

      i wanted to say that if you have a flash foods card (its a key chain thingy),it is free and earns something like 2% flash cash on the bottom of your receipt .now please dont think i an proud to admit this but my husband and myself use tobacco products, and with the price of them now, i usually but all of them at the flash and gas when i can. now i am not sure that the gas is included in the 2% back you will have to look into it . but my free money really adds up quickly. my old card broke and the cashier just swiped the old card and them a new one ,to transfer the cash over . it was quick and easy .she then told me a guy comes in every day to buy beer,and he has about 60.00 in flash cash (guess he is saving for something big!)

    • AP

      Sheets gas stations have a similar program if you get their rewards card. You get $.03 of per gallon plus other rewards through the store.

    • Jerry

      You should also write a post about the Websites that let you compare gas prices in your area, such as GasBuddy and Autos.MSN. Be sure to remind people to find gas stations that are near where they drive, so they don't waste gas driving across town and offset their savings.

    • Lisasanderson80

      im just wondering about saving money with the walmart shopping card at the murphy usa stations, it's 3 cents off per gallon and alot of times there price is the lowest per gallon. Does anyone have any thoughts on this

    • Sailadesai

      Pentagon Visa card also pays 5% for the rebate of gas.