If you drive regularly, you already know that small fuel savings can add up fast. But with so many cashback tools available, it’s worth asking: should you rely on your credit card rewards—or switch to a gift card-based cashback app like Fluz? Both options offer perks, but their structures are very different. Depending on how you commute and spend, one might offer bigger, faster returns than the other—or better yet, you might benefit from using both.

Here’s a breakdown of cashback credit cards vs. gift card apps like Fluz, and how to choose the best savings setup for your commute.

Credit Card Cashback: Flexible, Familiar, and Up to 5%

Many credit cards offer 3% to 5% cashback on gas station purchases, especially those in the “rotating category” or travel rewards tiers. This is a convenient option if you already pay at the pump with a rewards card and don’t mind waiting until the statement closes to see your earnings.

Key benefits:

• No extra steps after setup—just swipe and earn
• Cashback is often deposited as a statement credit or into your rewards account
• Good for drivers who want passive savings with minimal engagement

However, cashback on credit cards is delayed (usually applied monthly), and you’ll need to carry a balance responsibly to avoid interest charges. Most issuers also cap high-earning categories or rotate them quarterly, meaning that your gas cashback might fluctuate.

Fluz: Instant Cashback with Prepaid Precision

Fluz takes a more direct approach to fuel savings. Instead of paying with a card, you buy a gift card for gas at Chevron, Texaco, Shell, or Speedway through the app and earn instant cashback at the moment of purchase. You then use the digital card to pay at the pump or inside the station—just like any other form of payment.

Why Fluz stands out:

• You get cashback immediately—no billing cycle or point transfer required
• Works with gas station loyalty programs, including Shell Fuel Rewards and Safeway’s Chevron fuel points
• Helps with fuel budgeting by letting you preload your gas spending

Unlike credit cards, Fluz isn’t tied to a credit limit or APR, and the savings don’t depend on reward rotations. It’s a set-it-and-use-it model that puts you in control of when and how you save.

Which Is Better for Fast, Frequent Drivers?

If you’re fueling up multiple times per week or managing tight spending goals, Fluz can offer more immediate, predictable savings. There’s no waiting for cashback to post, and the app works seamlessly at major fuel stations.

That said, if you’re already earning 5% back on your credit card—and paying it off monthly—layering both tools could be the best combo. Buy your gas gift cards through Fluz using your cashback credit card, and you’ll earn cashback from both platforms at once.