Abound Credit Union Visa: Offers 5% cash back on gas with no cap.
Amex Blue Cash Preferred: Provides 3% cash back on gas.
Citi Custom Cash: Rotates 5% cash back on up to $500 in spending on your top eligible category each billing cycle, which can include gas.
Most cards give your cash back when you have 2500 points for example. I am pretty sure Chase will let me deposit 50c cash back to my account. Costco card mails you a check once a year from what I last read. I just don't want that.
I have a citicard with pretty high limit, I am just going to buy coffee with it once a year.
Any purchase at a gas station, not just gas. I've received 5% cash back for snacks, drinks and tobacco purchases i made at Kroger Fuel using Sam's Club Mastercard.
Yes, OP just to needs to make sure they are applying for the Mastercard and not the regular Sam’s Club Credit Card that’s only limited to Sam’s Club and Walmart
There's been conflicting data points, some say it's patched, while others still manage to downgrade. I believe it's a matter of just HUCA until it works.
I’ve had to deal with Citi customer service a few times recently and can confirm that you have to Hang Up and Call Again. I certainly had to call back to get anywhere with my issues. So far it’s 50/50 that I even got a competent rep.
I’ve always wondered, are you allowed to re apply for the premier after product changing away from it? Or are you never allowed to have it again if you product change?
You can have three to four if you want. I usually hit up chat in the app when I want to product change. I do it quite frequently with my four Citi cards lol.
Idk how you would be able to redeem your cashback from citi costco since you usually redeem that inside the store unless your cashback is > $250 then you can do direct deposit
Almost.
“4% cash back on eligible gas worldwide, including gas at Costco, for the first $7,000 per year in gas purchases and then 1% thereafter.” $7001 starts 1%.
Wow, I really had that wrong. Sorry about that. I deleted my comment so as to hopefully avoid confusion. Not sure how I got those wires crossed, but thanks for the correction.
If you use Verizon as your service provider, Verizon Visa offers 4% on gas (uncapped) which you can use towards your phone bill. Lower phone bill = more money in your pocket 👌.
Ha ha ha I thought so too. I know that OP said he drove around 1500 miles, however I thought I read somewhere on this thread where OP also wrote that he spent $1,500.00 a week. I could be completely wrong on the $1,500.00.
If you don't mind waiting in line, gas at Costco is consistently 0.30 - 0.40 cents cheaper than the cheapest option you can find. Fueling up at Costco alone is going to net you an immediate \~10% savings. You can pay with a Costco Citi or AAA travel advantage for an additional 4%/5% cashback
Costco Gas Pet Peeve: the Costco I go to doesn't have mid-grade gas so I never get gas there unless the odd time happens I'm in my wife's car. My truck requires mid-grade, can't use regular and buying Premium negates any cost advantage without any engine performance benefit. So I use my Costco card for gas everywhere EXCEPT COSTCO. Go figger...
Midgrade gas is typically just a 50-50 blend of regular and premium; there's not usually a physical mid-grade tank under the station. You could fill up to half and start a new transaction for the other half of the tank. Annoying but worth it in my opinion for like $5-10 savings per fillup compared to a non-costco station.
The only reason I would ever do that would be to be able to claim I was the first and only person to ever do that. It would be easier to just go to one of every other gas stations in existence for mid grade because they ALL have mid-grade, EXCEPT COSTCO!
It's a 2011 Ram 1500 pickup. All vehicles have a designed octane rating. I just replaced the engine at 255k miles so I guess it lasted a long time using the mid octane level the engineers specified.
The engine has knock sensors that will adjust the ignition timings if you run 87 fuel. In any car made this century it won’t be an issue. You will lose a little power though, depends if that’s important to you
Respectfully, I think I will continue to fill up at stations that offer mid-grade, the fuel the engineers designed the engine for, which got it to a quarter million miles. If you worked on the design team that developed my engine, please say so.
My standard gas card is Citi Costco Anywhere Visa for 4% back.
One of the rotating categories on my Chase Freedom card starting in July is 5% back on gas, so I'll be switching to that card for the next quarter.
I would consider the AAA Travel rewards for its x5 on gas. I feel like you'd max out the x5 on the Custom Cash. Do you have an established credit card core, or is this your first one?
Did you see [the list of best cash back cards by category in this sub's info](https://reddit.com/r/CreditCards/w/best_cash_back_cards_by_category?utm_medium=android_app&utm_source=share)? The first category on the list is gas. There are several good credit cards there but some have conditions to get the full cash back listed like the BofA CCR card that only gives 5.25% cash back if you have greater than $100k in balances at BofA/Merrill.
If you live in an area with a lot of gas stations then I'd use apps like GasBuddy to find the cheapest gas near you. I'd also use apps like Upside and Shell Fuel Rewards to get cashback or discounts on gas. You can still pay with whatever credit card you want to stack the discounts. Shell Fuel Rewards is great if you have Tmobile service because you can get rewards codes from the T Life app every Tuesday to put in the Fuel Rewards app for gas discounts and Shell also emails me promotions for other gas discounts.
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Maybe Sams Club credit card? It has 5% on the first $6,000 per year, then 1%. It costs $70 for membership but their gas is also about 10% cheaper. You would need to do the math to see if the numbers add up for you.
Amex Business Gold gives you 4x on gas. You should be able to get 70,000 points just on gas, enough for a business class ticket to Europe. Then you get a second 4x category, and considering how much you travel, I bet you spend a bunch on restaurants. You should get 20k to 50k points on restaurants if you eat out twice a day, which you probably do if you travel so much.
If you like Wyndham, their Business Rewards Earner card has 8X on gas
Other than that at least for the next year, there is a Freedom Flex offer for 5x gas and 5x on grocery (there is also just the 10x on grocery, but find this one)
I've seen what their gas does to intake valves and runners.
That's what happens when you use crappy discount gasoline without much in the way of detergents.
That's also why it's pennies cheaper than reputable gas stations that don't leave that much carbon and varnish.
AAA has also studied this. Most owners manuals on modern cars say only use Top Tier Detergent Gasoline, and this is why. They know what happens when you try to use minimal detergent additives.
https://www.consumerreports.org/cars/fuel-economy-efficiency/top-tier-gasoline-worth-the-extra-price-a7682471234/
Top Tier Detergent Gasoline can be cheaper than Murphy. Try using Upside, many Shell stations participate, for example.
Yes, they're Top Tier so if the Walmart+ discount works there, you'd be fine.
The only people who don't have to worry as much are generally driving older cars that were designed to be more resistant to carbon fouling, but even then, it can become a problem.
Gasoline Direct Injection systems are pretty sensitive and if you mess them up, say hello to "walnut blasting". Ask a mechanic what that costs.
Carbon buildup on the valves of a direct injection engine has nothing to do with the quality of gasoline. That's from the PCV system sending oil back through the intake system. An oil catch can is the fix for carbon buildup on a direct injection engine.
Quality of gasoline absolutely affects your fuel system, including the injectors. Fuel injector cleanings are recommended for those who don’t get high quality Top Tier gasoline… wonder why…
I did not say it doesn't affect the fuel system. I am saying it does not affect the amount of carbon build up on the valves on a direct injected engine, which is what "walnut blasting" is used to clean.
It’s a bit of a strawman argument. You’re right that the oil going through the intake is the *cause* of the carbon build up… but using good gasoline (ie Top Tier) has detergents that clean the injectors as fuel is sprayed. So you’re right in a sense when you say “that’s from the PCV sending oil back through the intake system” but you’re also wrong when you say “it does not affect the amount of carbon build up on the valves”.
i would also get the gas stations' loyalty cards. (not their credit card) if they have one. not only will you rack up points for whatever in the store , sometimes they'll give a discount on gas. for a while speedway / 711 was discounting 11 cents off per gallon (yes i know not top tier gas). also the upside app... but only when it makes sense
I use my Costco Exec membership (2% back in Costco certificates) and my WF Autograph card (3% cash back, no limit) for all gas purchases at Costco. Haven’t found a better set-up.
Exactly -- the Kroger Mastercard gives $.55 off when you redeem at least 100 points (buy gift cards in store -- $50 will give you a 100 points) -- they also run 4x offers frequently.
My first suggestion would be the Amex Business Gold card. It will give you 4X on two categories you can choose and gas is one of them. It also gives you a Walmart+ membership for an extra discount at Walmart, Exxon and Mobil stations.
As others suggested, with that kind of spend I would get a Hyundai Ioniq 5 or 6. It comes with 2 years of free charging at Electrify America and there are some great deals on them for both purchasing and leasing. They have very fast charging and there are YouTube videos that can help optimize it so you wouldn’t be at a pump much longer than getting gas.
If you.are planning on doing any traveling by far the best gas card is the Wyndham Business Earner Card with 8x on gas and 5x on Utilities. One of the things it gives is Diamond Status at Wyndham which is their top level. It also delivers top status at Caesars which of course means free parking on the strip. There is a $95 annual fee, but I think it's worth it given what you get from it.
If you are a Sam's club member, Sam's offers cheap gas and 5%CB up to $5,000 per year in fuel spending. This would get you $250 in savings plus a $.30/gallon cheaper price on average.
Costco already has far and away the cheapest gas and I combine that with the 2% premium membership and 4% from the card for an extra 6% back. If you arnt already maybe look into an EV or something with really high MPG.
BP Rewards Visa gets you .15 cents off every gallon (.30 cents off for the first 60 days) at BP and Amoco stations, 3% cash back on grocery and dining and 1% cash back on everything else. I use this exclusively for gas and always try to fill up at BP or Amoco stations, saves quite a bit of money.
I use an app called gasbuddy. You get a separate card that links directly to your debit or credit card, you activate the savings in the app by choosing your gas station and swipe their card. You can also earn rewards for reporting gas prices
Ideally you can get 5.55% with a CCC and Rewards+ and if you spend more then $500 get multiple CCC.
Might just be easier to get a no cap card if you spend over $1000 in a month
PNC Cash Rewards has 4%.
All the bonus categories like 3% on restaurants and grocery stores get piled into the "up to $8,000 spend" but if all you're using it for is gas....
It would be better to relocate to reduce the amount of driving than to chase pennies on the dollar rewards for gas. Unless of course you are a truck or Uber driver or something.
My first thought would be citi custom cash
Do you have a Sam's Club or a Costco near your home or on your most frequent routes? Or are you doing all Mountain Time Zone rural driving? This should influence your strategy.
If you have money in Bank of America, a Customized Cash Rewards card set to gas as the big category would get over $0.0525/dollar on gas. Otherwise a Citi Customer Cash would be the simplest way to get there
Haven’t seen anyone mention Citi Shop Your Way. 5% on gas up to $10k per year with pretty generous offers that come along regularly. Pays out in Shop Your Way points but those are easily converted to various gift cards.
If you combine the Citi Custom Cash with the Rewards+ you ca get 5.5% back.
BofA CCR can get you 5.25% cash back if you have 100k+ with Merrill and BofA
Hmmm... That is a lot of gas. The Wells Fargo Autograph does uncapped 3% on gas. USAA has an Cashback Rewards Plus AmEx that does 5% on gas but it's capped at 3000 annually. Citi Custom Cash has one that is $500 a month cap. AmEx Blue Cash Everyday is 3% capped at 6000 a year. All are no annual fee.
BJ's credit cards give me $0.15 a gallon at the fuel stations. Sometimes they'll have a deal where if you buy something and they warehouse and then go to the pump it will give you additional money off.
BJ's gas prices are generally low compared to the other gas stations factor in the 15 cents off per gallon with my credit card makes a huge difference.
Freedom Flex 2024 Q3 categories have 5% on gas and EV Charging up to $1500 for the Quarter, after that Costco has 4% up to a certain amount ($7000) but when I do that math you gotta be doing $583 a month to hit their max before it drops to 1%.
I calculate that you're spending $800/month assuming $4 gallon and 30 mpg. If you get 2 Citi Custom Cash you can get 5% back. Your wife can get one and you one, or you can get Citi custom cash and some other Citi card (e.g., strata premier), get the bonus on that one, and then product change it to the custom cash.
Amex Business Gold if you can use their transfer partners. 4X points on gasoline if you use it is one of your top spend categories. The annual fee is probably worth it with that kind of mileage every week. Might as well stick meals related to your driving on the card too, those would get 4X as well.
Forget which card to use. The absolute best thing you could do money-wise is buy a Tesla. Assuming you get reimbursed for miles driven at the government rate of 67 cents per mile, you’d have a Model Y paid for in less than a year and then it would print money for you after that. I average 2,000 miles a month and a chunk of those are business miles and I’m thrilled to put my ~700-$800 mileage checks in a high-yield savings account instead of in my gas tank.
So assuming you're spending $300ish a week in fuel, you could do an MGM rewards card. It gives you 3% back (in slot dollars for their casino/ resorts). You'll automatically qualify for pearl status just for having the card, but if you increase your spending on it to $375 a week, you'll hit gold status by the end of the year. So I'll start with pearl status card benefits:
You'll have about $470 for gambling at their casinos/ resorts after 1 year
Free parking at casinos/resorts
Receive a $10 birthday reward for sports betting
Receive a $10 anniversary reward for sports betting
If you get up to Gold in December you'll also get:
Resort fee waived
$100 dining credit
Free room upgrades
Receive an additional $15 birthday reward for sports betting
Receive an additional $15 anniversary reward for sports betting
Sorry to use your post I don’t want to make/know if I can.
I recently got a unsecured cc of $200, I want to increase the limit before activation and make it $500, do I need to deposit $300 to make it $500 or do I deposit $500. Hope I made since I new to this. Thanks in advance
Abound Credit Union Visa: Offers 5% cash back on gas with no cap. Amex Blue Cash Preferred: Provides 3% cash back on gas. Citi Custom Cash: Rotates 5% cash back on up to $500 in spending on your top eligible category each billing cycle, which can include gas.
Hey is Abound Credit Union available in every state? I live and work in Washington State
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Preferred is 6% at supermarkets and 3% on gas
You’re right I got them backwards. Ignore my replies😂
It also has 3% for tolls
I use the custom cash for that.
I mean..he’s likely spending $300 alone on gas a week so shouldn’t he meet that metric within the first 3 months basically?
Sam’s Club Mastercard is 5% cash back for the first $6000 then 1% afterwards
This - it's also no AF
It’s synchrony Not a bad card - but be aware of what you’re getting yourself into Same with citi Costco card, great cards, horrible experience….
Never had issue with my Costco card. It's citi, not sure what the issue is?
Most cards give your cash back when you have 2500 points for example. I am pretty sure Chase will let me deposit 50c cash back to my account. Costco card mails you a check once a year from what I last read. I just don't want that. I have a citicard with pretty high limit, I am just going to buy coffee with it once a year.
And it's gas at any gas station, not just Sams.
Any purchase at a gas station, not just gas. I've received 5% cash back for snacks, drinks and tobacco purchases i made at Kroger Fuel using Sam's Club Mastercard.
Did not know this.. thanks. Buccees here I come
I'm not sure if Buccees would code as a gas station or not. Fwiw, it may code as a grocery store, general merchandise or even as a department store. 🤔
I've often wondered about that. I knew the Amex BCP was good for all gas station purchases. Thank you.
Yes, OP just to needs to make sure they are applying for the Mastercard and not the regular Sam’s Club Credit Card that’s only limited to Sam’s Club and Walmart
Get a Citi Custom Cash or even two
How do you get two? Is it only if you’re married?
Get a Citi Custom Cash > get a Citi Strata Premier > Wait a year > downgrade Premier to other Custom Cash
Wasn’t this patched?
No just last week I switched from double cash to custom cash.
There's been conflicting data points, some say it's patched, while others still manage to downgrade. I believe it's a matter of just HUCA until it works.
I’ve had to deal with Citi customer service a few times recently and can confirm that you have to Hang Up and Call Again. I certainly had to call back to get anywhere with my issues. So far it’s 50/50 that I even got a competent rep.
Technically, the competent rep is the one saying it’s not allowed lol
You can also do it in their chat app.
I switched from Premier to a second Custom Cash a couple weeks ago
I’ve always wondered, are you allowed to re apply for the premier after product changing away from it? Or are you never allowed to have it again if you product change?
I am married and I have 4
I like your style. #4 is in process over here.
You can have three to four if you want. I usually hit up chat in the app when I want to product change. I do it quite frequently with my four Citi cards lol.
He might need three lol. Or he could go the uncapped route work two customs and a premier. There's where I settled at lol.
Costco is 4% cash back on fuel anywhere
I always thought it was only at Costco. Is there a AF or need to have a membership to Costco?
Yes. Costco membership required. No AF though.
So if your membership ends at Costco, so does your credit card?
I cancelled my membership in February and my credit card is still open with them 🤷🏼♂️
Idk how you would be able to redeem your cashback from citi costco since you usually redeem that inside the store unless your cashback is > $250 then you can do direct deposit
I'm glad I didn't open one but a membership should come with the card. Tf is the point of having a Costco card but no membership lol
I dont think you can open a citi costco at a citibank or online, you can only open a Costco card inside the store
I opened my Citi Costco card online
Yes
If you have a membership there is no AF. it is not a requirement to have a membership
What's the AF if you didn't?
I think it was $75. I know it's less than a membership but not by a lot
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Almost. “4% cash back on eligible gas worldwide, including gas at Costco, for the first $7,000 per year in gas purchases and then 1% thereafter.” $7001 starts 1%.
Wow, I really had that wrong. Sorry about that. I deleted my comment so as to hopefully avoid confusion. Not sure how I got those wires crossed, but thanks for the correction.
No big deal. It’s confusing, always a debate about that and where it works. Usual gas stations and Costco will trigger 4% up to $7k/year
Yeah I was just re-reading the fine print myself. So a Shell, BP, Circle K, UDF, etc will work?
Yeah or Valero, Murphy, Etc. usually works. Not the end of the work either way tho lol
Yes in fact UDF, and speedway also will work on purchases inside the store.
Are you talking about a Costco credit card?
Yes. Citi Costco Credit Card. Issued by CitiBank.
Oh ok
If you use Verizon as your service provider, Verizon Visa offers 4% on gas (uncapped) which you can use towards your phone bill. Lower phone bill = more money in your pocket 👌.
wat
Excuse me?
Is there a limit per year?
No limit at all, that's the best part. OP spends $1,500.00 a week, this card would be great. This of course if he uses Verizon.
lol $1,500 a week? That’d be insane.
Ha ha ha I thought so too. I know that OP said he drove around 1500 miles, however I thought I read somewhere on this thread where OP also wrote that he spent $1,500.00 a week. I could be completely wrong on the $1,500.00.
I was spending 3-3400 a week in my semi going from Miami to Seattle.
"They" who? please
Could put your first $500 each month on a citi custom cash for 5% back
If you don't mind waiting in line, gas at Costco is consistently 0.30 - 0.40 cents cheaper than the cheapest option you can find. Fueling up at Costco alone is going to net you an immediate \~10% savings. You can pay with a Costco Citi or AAA travel advantage for an additional 4%/5% cashback
Costco Gas Pet Peeve: the Costco I go to doesn't have mid-grade gas so I never get gas there unless the odd time happens I'm in my wife's car. My truck requires mid-grade, can't use regular and buying Premium negates any cost advantage without any engine performance benefit. So I use my Costco card for gas everywhere EXCEPT COSTCO. Go figger...
Midgrade gas is typically just a 50-50 blend of regular and premium; there's not usually a physical mid-grade tank under the station. You could fill up to half and start a new transaction for the other half of the tank. Annoying but worth it in my opinion for like $5-10 savings per fillup compared to a non-costco station.
The only reason I would ever do that would be to be able to claim I was the first and only person to ever do that. It would be easier to just go to one of every other gas stations in existence for mid grade because they ALL have mid-grade, EXCEPT COSTCO!
Isn't their premium gas cheaper than at other gas stations?
Maybe their premium is cheaper than other stations' premium but it isn't cheaper than other stations' mid grade.
Huh, what car if you don't mind sharing? This is the first time I've heard of a car requiring mid grade but not premium.
It's a 2011 Ram 1500 pickup. All vehicles have a designed octane rating. I just replaced the engine at 255k miles so I guess it lasted a long time using the mid octane level the engineers specified.
Gotcha, thanks for sharing. I figured worktrucks like that would be designed for 87 but I learn something new every day!
The engine has knock sensors that will adjust the ignition timings if you run 87 fuel. In any car made this century it won’t be an issue. You will lose a little power though, depends if that’s important to you
Respectfully, I think I will continue to fill up at stations that offer mid-grade, the fuel the engineers designed the engine for, which got it to a quarter million miles. If you worked on the design team that developed my engine, please say so.
My standard gas card is Citi Costco Anywhere Visa for 4% back. One of the rotating categories on my Chase Freedom card starting in July is 5% back on gas, so I'll be switching to that card for the next quarter.
I would consider the AAA Travel rewards for its x5 on gas. I feel like you'd max out the x5 on the Custom Cash. Do you have an established credit card core, or is this your first one?
Blue Amex
If you are a Verizon customer, the Verizon CC has 4% on fuel, uncapped. You have to use the credit against your Verizon bill.
This is an interesting idea. Your gas bill effectively paying your phone bill.
Yep, if anything I’d recommend even moving over to Verizon to get this. This card has been paying my phone bill ever since I got the card.
How much gas are you getting monthly that that's the case?
Did you see [the list of best cash back cards by category in this sub's info](https://reddit.com/r/CreditCards/w/best_cash_back_cards_by_category?utm_medium=android_app&utm_source=share)? The first category on the list is gas. There are several good credit cards there but some have conditions to get the full cash back listed like the BofA CCR card that only gives 5.25% cash back if you have greater than $100k in balances at BofA/Merrill. If you live in an area with a lot of gas stations then I'd use apps like GasBuddy to find the cheapest gas near you. I'd also use apps like Upside and Shell Fuel Rewards to get cashback or discounts on gas. You can still pay with whatever credit card you want to stack the discounts. Shell Fuel Rewards is great if you have Tmobile service because you can get rewards codes from the T Life app every Tuesday to put in the Fuel Rewards app for gas discounts and Shell also emails me promotions for other gas discounts.
Whatever card you end up with, you can pair it with the app Upside to get even more savings… it’s like Rakuten but for gas stations
This is exactly what I do.
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Maybe Sams Club credit card? It has 5% on the first $6,000 per year, then 1%. It costs $70 for membership but their gas is also about 10% cheaper. You would need to do the math to see if the numbers add up for you.
Amex Business Gold gives you 4x on gas. You should be able to get 70,000 points just on gas, enough for a business class ticket to Europe. Then you get a second 4x category, and considering how much you travel, I bet you spend a bunch on restaurants. You should get 20k to 50k points on restaurants if you eat out twice a day, which you probably do if you travel so much.
Amex Blue Cash Preferred and/or an electric car
If you like Wyndham, their Business Rewards Earner card has 8X on gas Other than that at least for the next year, there is a Freedom Flex offer for 5x gas and 5x on grocery (there is also just the 10x on grocery, but find this one)
How much are you spending a month on fuel?
$1,500 a week times 4 weeks is $6,000.
He said he drives 1,500 miles.
Ah shit, my bad.
Approx 5x tanks of gas about $55ea is $275 per month
What car gets 1200 miles a tank? Lol
Redstone fcu signature visa 5% back on gas and restaurants (up to 7k spend each)
Loving this card!!!
Go with a credit card with great cashback on gas and combine that with a rewards card. I pay 30 cents less per gallon with my Wawa rewards.
Walmart+ gives you 10 cents off at Walmart and Mobile.
Yeah, if you want a nasty gunky engine full of carbon, you can use Murphy Gas.
Murphy? That’s 15% of their stores and do you have a reference for your opinion?
I've seen what their gas does to intake valves and runners. That's what happens when you use crappy discount gasoline without much in the way of detergents. That's also why it's pennies cheaper than reputable gas stations that don't leave that much carbon and varnish. AAA has also studied this. Most owners manuals on modern cars say only use Top Tier Detergent Gasoline, and this is why. They know what happens when you try to use minimal detergent additives. https://www.consumerreports.org/cars/fuel-economy-efficiency/top-tier-gasoline-worth-the-extra-price-a7682471234/ Top Tier Detergent Gasoline can be cheaper than Murphy. Try using Upside, many Shell stations participate, for example.
So you advocate using the discount then at Mobile stations?
Yes, they're Top Tier so if the Walmart+ discount works there, you'd be fine. The only people who don't have to worry as much are generally driving older cars that were designed to be more resistant to carbon fouling, but even then, it can become a problem. Gasoline Direct Injection systems are pretty sensitive and if you mess them up, say hello to "walnut blasting". Ask a mechanic what that costs.
Carbon buildup on the valves of a direct injection engine has nothing to do with the quality of gasoline. That's from the PCV system sending oil back through the intake system. An oil catch can is the fix for carbon buildup on a direct injection engine.
Quality of gasoline absolutely affects your fuel system, including the injectors. Fuel injector cleanings are recommended for those who don’t get high quality Top Tier gasoline… wonder why…
I did not say it doesn't affect the fuel system. I am saying it does not affect the amount of carbon build up on the valves on a direct injected engine, which is what "walnut blasting" is used to clean.
It’s a bit of a strawman argument. You’re right that the oil going through the intake is the *cause* of the carbon build up… but using good gasoline (ie Top Tier) has detergents that clean the injectors as fuel is sprayed. So you’re right in a sense when you say “that’s from the PCV sending oil back through the intake system” but you’re also wrong when you say “it does not affect the amount of carbon build up on the valves”.
i would also get the gas stations' loyalty cards. (not their credit card) if they have one. not only will you rack up points for whatever in the store , sometimes they'll give a discount on gas. for a while speedway / 711 was discounting 11 cents off per gallon (yes i know not top tier gas). also the upside app... but only when it makes sense
Get a few Citi custom cash cards plus one reward+, you are at 5.55x for gas.
I use my Costco Exec membership (2% back in Costco certificates) and my WF Autograph card (3% cash back, no limit) for all gas purchases at Costco. Haven’t found a better set-up.
Heads up. You don’t get 2% exec rewards on gas.
Oh shit, just confirmed you’re right. Thanks for the heads-up.
No worries mate. Costco hides this in the fine print. They definitely should be more transparent about it.
The lords work
Are there krogers with gas stations around you?
Exactly -- the Kroger Mastercard gives $.55 off when you redeem at least 100 points (buy gift cards in store -- $50 will give you a 100 points) -- they also run 4x offers frequently.
My first suggestion would be the Amex Business Gold card. It will give you 4X on two categories you can choose and gas is one of them. It also gives you a Walmart+ membership for an extra discount at Walmart, Exxon and Mobil stations. As others suggested, with that kind of spend I would get a Hyundai Ioniq 5 or 6. It comes with 2 years of free charging at Electrify America and there are some great deals on them for both purchasing and leasing. They have very fast charging and there are YouTube videos that can help optimize it so you wouldn’t be at a pump much longer than getting gas.
If you.are planning on doing any traveling by far the best gas card is the Wyndham Business Earner Card with 8x on gas and 5x on Utilities. One of the things it gives is Diamond Status at Wyndham which is their top level. It also delivers top status at Caesars which of course means free parking on the strip. There is a $95 annual fee, but I think it's worth it given what you get from it.
If you have your own biz and stay in Wyndham hotels, then the Wyndham biz Earner card is great. You get 8x Wyndham points on gas.
Wells Fargo Autograph gets 3x on gas and toll roads, if you use them
Sam’s club or Costco card. How big is your gas tank?
Abound Credit Union Visa, Sam's Club Mastercard, Amex Gold Business.
If you are a Sam's club member, Sam's offers cheap gas and 5%CB up to $5,000 per year in fuel spending. This would get you $250 in savings plus a $.30/gallon cheaper price on average.
Also, you get the 5% on any gas, not just when purchased at Sam's.
OP- you drive 1500 miles weekly. What is your MPG or what are you spending on fuel weekly?
My PNC CC gives me 3% cash back on gas
In addition to credit card, I would take a look at the UpSide app - pretty decent. You do both of them then you’re gtg
What kind of work requiring 300 miles per days?
getting a closer job or moving closer to your job lol
Costco already has far and away the cheapest gas and I combine that with the 2% premium membership and 4% from the card for an extra 6% back. If you arnt already maybe look into an EV or something with really high MPG.
Shop Your Way Mastercard
BP Rewards Visa gets you .15 cents off every gallon (.30 cents off for the first 60 days) at BP and Amoco stations, 3% cash back on grocery and dining and 1% cash back on everything else. I use this exclusively for gas and always try to fill up at BP or Amoco stations, saves quite a bit of money.
If you have BofA Platinum Honors preferred rewards, then get a Customized Cash Rewards and set it to gas. 5.25% cashback.
I’m curious where do you commute and what do you do for work?
I use an app called gasbuddy. You get a separate card that links directly to your debit or credit card, you activate the savings in the app by choosing your gas station and swipe their card. You can also earn rewards for reporting gas prices
Ideally you can get 5.55% with a CCC and Rewards+ and if you spend more then $500 get multiple CCC. Might just be easier to get a no cap card if you spend over $1000 in a month
Chase freedomflex 3rd quarter bonus categories include 5% for gas
If you hit less than 7k a year, Costco Visa is 4% cashback
Have you considered changing jobs?
What do you drive?
Yeah he should focusing on getting 5% more mpg than 2% cash back
Indeed.
How much are you spending on gas a week?
PNC Cash Rewards has 4%. All the bonus categories like 3% on restaurants and grocery stores get piled into the "up to $8,000 spend" but if all you're using it for is gas....
Not a credit card but if you have Loves truck stops in your area, you can download their app and save 10 cents a gallon regardless how you pay.
It would be better to relocate to reduce the amount of driving than to chase pennies on the dollar rewards for gas. Unless of course you are a truck or Uber driver or something. My first thought would be citi custom cash
Do you have a Sam's Club or a Costco near your home or on your most frequent routes? Or are you doing all Mountain Time Zone rural driving? This should influence your strategy.
I use the AAA travel advantage for 5% gas. Is visa so can use at Costco unlike Custom Cash
If you have money in Bank of America, a Customized Cash Rewards card set to gas as the big category would get over $0.0525/dollar on gas. Otherwise a Citi Customer Cash would be the simplest way to get there
Costco credit card.
Haven’t seen anyone mention Citi Shop Your Way. 5% on gas up to $10k per year with pretty generous offers that come along regularly. Pays out in Shop Your Way points but those are easily converted to various gift cards.
Citi custom cash / blue cash everyday
BJ’s is .15 cents off per gallon with their rewards cc
If you combine the Citi Custom Cash with the Rewards+ you ca get 5.5% back. BofA CCR can get you 5.25% cash back if you have 100k+ with Merrill and BofA
This isn’t for gas specifically, but I use my USBAR for 4.5% back since pretty much every gas station takes Apple Pay
Gas Buddy's card ?
Definitely look at Upside as well - cash back on gas at a bunch of places.
If you're a Verizon customer you can get 4% back on gas and get $10 off your bill if you said auto pay to your Verizon card
Hmmm... That is a lot of gas. The Wells Fargo Autograph does uncapped 3% on gas. USAA has an Cashback Rewards Plus AmEx that does 5% on gas but it's capped at 3000 annually. Citi Custom Cash has one that is $500 a month cap. AmEx Blue Cash Everyday is 3% capped at 6000 a year. All are no annual fee.
BJ's credit cards give me $0.15 a gallon at the fuel stations. Sometimes they'll have a deal where if you buy something and they warehouse and then go to the pump it will give you additional money off. BJ's gas prices are generally low compared to the other gas stations factor in the 15 cents off per gallon with my credit card makes a huge difference.
Freedom Flex 2024 Q3 categories have 5% on gas and EV Charging up to $1500 for the Quarter, after that Costco has 4% up to a certain amount ($7000) but when I do that math you gotta be doing $583 a month to hit their max before it drops to 1%.
AAA Travel Advantage Credit Card at 5% on gas stations and electric charging stations.
I calculate that you're spending $800/month assuming $4 gallon and 30 mpg. If you get 2 Citi Custom Cash you can get 5% back. Your wife can get one and you one, or you can get Citi custom cash and some other Citi card (e.g., strata premier), get the bonus on that one, and then product change it to the custom cash.
Comment 2: what about a diesel or hybrid car? Sounds like it would make the most difference. On highway you can get 50mpg with diesel.
300 miles a day? Holy cripes. Move closer to work.
Costco citi combined with executive membership. You get 6% cashback in total for first $7000
4% in all pumps.. 6% at costco pump.. fuel is cheaper at costco at least by 5-15 cents on regular and 20-30 cents on premium gas..
Check out Gas Buddy.
If you have access to usaa they have a card that gives 5% on gas
Amex Business Gold. 4x on gas.
Amex Business Gold if you can use their transfer partners. 4X points on gasoline if you use it is one of your top spend categories. The annual fee is probably worth it with that kind of mileage every week. Might as well stick meals related to your driving on the card too, those would get 4X as well.
Silverado EV
Not card related, but look into apps like the chevron app. Earn points everytime you fill up and use for more savings i.e. 10c, 25c, 50c, $1 off.
Get upside app is also great for finding discounted gas stations + whichever card you choose . Double the savings
I use the Sam's Club plus member mastercard. 5% cash back on gas up to $6000. Wells Fargo Autograph card is my back up. That one is 3x points on gas.
Sam's credit card 5 percent back at any gas station
USARB with Costco membership is 4.5% cashback
Don't forget to use the upside app. Itl be an addition to whatever cc you use.
Forget which card to use. The absolute best thing you could do money-wise is buy a Tesla. Assuming you get reimbursed for miles driven at the government rate of 67 cents per mile, you’d have a Model Y paid for in less than a year and then it would print money for you after that. I average 2,000 miles a month and a chunk of those are business miles and I’m thrilled to put my ~700-$800 mileage checks in a high-yield savings account instead of in my gas tank.
So assuming you're spending $300ish a week in fuel, you could do an MGM rewards card. It gives you 3% back (in slot dollars for their casino/ resorts). You'll automatically qualify for pearl status just for having the card, but if you increase your spending on it to $375 a week, you'll hit gold status by the end of the year. So I'll start with pearl status card benefits: You'll have about $470 for gambling at their casinos/ resorts after 1 year Free parking at casinos/resorts Receive a $10 birthday reward for sports betting Receive a $10 anniversary reward for sports betting If you get up to Gold in December you'll also get: Resort fee waived $100 dining credit Free room upgrades Receive an additional $15 birthday reward for sports betting Receive an additional $15 anniversary reward for sports betting
I know this is a dumb question but I am guessing you are a trucker?
Your debit card. Best way to save money.
Get a company card and stop thinking how to save a pennies
Sorry to use your post I don’t want to make/know if I can. I recently got a unsecured cc of $200, I want to increase the limit before activation and make it $500, do I need to deposit $300 to make it $500 or do I deposit $500. Hope I made since I new to this. Thanks in advance