Do Fuel Rewards Programs Really Save You Money?
They tout it as the very best way for you to save money off your gas purchases and try and encourage you to spend just as much as you can at their store since, naturally, you'll be saving money at the gas pump. However the question is - is it actually worth it? Well, it depends. It certainly can be if you're already buying something at that store and you are comfortable with the amount you're spending. The problem is if you discover that you will need to pay out $15 more to get an extra ten cents off your gas purchase, and that means you spend $15 on whatever you see simply to receive the gas discount. That is pretty pointless in the event you might have paid less for your purchase at a different store. Bear in mind, an added ten cents off for each gallon is only a $1.50 to $2.00 discount - certainly not really worth throwing away money you didn't really want to spend! Yet another major promotion these types of stores generally run is related to gift cards. In some cases when you purchase a gift card at their store (typically offered for a number of stores), they are going to give you double the gas discount. You should think that through. Say you will gain 20 cents off for each gallon for each $50 gift card purchase you make. Assuming your tank holds 16 gallons, that is a $3.20 discount. When you already need a gift card (maybe for a gift), that looks like a very good deal - you earn $3.20 for actually doing nothing. If you do not possess a cash back credit card (such as Discover More), you could optimize this special promotion by buying gift cards for all of the stores you shop at. You'll get fuel rewards basically for purchasing at the stores you already shop at. Nonetheless, in the event you do possess a cash back charge card, it can get a bit more complicated. Whenever you employ a gift card you won't be getting cash back rewards, so you will need to take that into account. If the cash back credit card gives 5% cash back at grocery stores, buying a grocery store gift card is unnecessary. In the event you buy a $50 card, you'll receive a $3.20 gas reward plus a $2.50 cash back reward on the gift card purchase (assuming you use your cash back credit card to get the gift card), but you'll miss out on the $2.50 reward you would get for employing your cash back card on the following $50 purchase. However, if the gift card is from a category you just receive, say, 1% cash back on, then your gift card purchase will be worth it. You will get the fuel reward along with a $2.50 money back reward because you're purchasing the gift card at your grocery store. In the event you utilized your cash back card at the store only producing 1% money back, you'd only receive a reward of 50 cents. In this particular situation, you essentially earn $2. The question is if the whole process is really worth the $2 you get. 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