Drivers today have more options than ever when it comes to saving money on fuel. Two of the most popular choices are gas reward cards and cashback apps. Both offer real benefits, but understanding the differences can help you decide which one works best for your fueling habits.

Gas reward cards: Consistent savings at one brand
Gas reward cards are usually tied to a specific station, such as ExxonMobil Rewards+ or Shell Fuel Rewards. They often provide cents off per gallon or points for every purchase, making them a reliable option if you’re loyal to one brand. However, they’re less flexible if you frequently switch stations.

Cashback apps: Flexible savings everywhere
Cashback apps like Rakuten, Ibotta, and Fluz are more versatile. Instead of tying you to one station, they allow you to earn rewards at multiple brands. For example, you can save with a 76 Gas Station gift card through Fluz, stack it with loyalty perks, and still earn cashback instantly.

Which is better?
If you regularly fuel up at the same station, a reward card can deliver consistent savings. But if you prefer flexibility—or you’re focused on maximizing cashback across multiple purchases—apps are often the smarter choice.

Stacking for maximum value
The best strategy is to use both. Pay with a digital gift card purchased through a cashback app, and combine it with a station’s reward program. This way, you earn savings twice on the same gallon of gas.

Choosing between gas reward cards and cashback apps doesn’t have to be an either-or decision. By understanding how each works—and stacking them strategically—you’ll get the best of both worlds.