Get Your Free Guide to Saving Money at the Gas Pump

Use a Gas Price App to Find the Cheapest Station Nearby

In today's digital age, finding the cheapest gas near you has never been easier. Gas price apps leverage real-time data from thousands of gas stations to help drivers make informed decisions about where to fill up. According to the U.S. Energy Information Administration, gas prices can vary by as much as 50 cents per gallon between stations in the same metropolitan area, sometimes even on the same street. For a driver filling up 15 gallons weekly, choosing the cheapest option over the most expensive could save approximately $390 annually.

Get Your Free Guide to Credit Card Security Codes →

Popular gas price apps include GasBuddy, which has data from over 150,000 gas stations; Waze, which integrates fuel prices into navigation; and GetUpside, which offers cashback rewards on fuel purchases. These apps typically display prices updated by community members or directly from station networks, showing you real-time or near-real-time pricing information. Some apps even allow you to set price alerts, notifying you when fuel drops below your target price at specific locations.

The strategy is straightforward: before heading to the pump, spend 30 seconds checking your preferred app. Many apps show not only the price but also the location's address, distance from your current position, and available payment methods. Some drivers make a point to fill up at the cheapest station when driving through their area anyway, rather than at convenient but expensive locations near their home or workplace.

• Download GasBuddy or Waze to your smartphone immediately
• Check prices before every fill-up, not just occasionally
• Consider traveling a few extra blocks if savings exceed 10 cents per gallon
• Set up price alerts for stations you frequently use

Practical Takeaway: A 30-second app check before filling up could save you $300-400 annually with zero lifestyle changes required.

Join Loyalty Programs and Use the Right Credit Card

Fuel loyalty programs and strategic credit card selection represent one of the most underutilized money-saving opportunities for regular drivers. Major gas station chains like Shell, Chevron, BP, and Speedway operate proprietary loyalty programs that offer discounts ranging from 3 to 10 cents per gallon. According to a 2023 survey by the AAA, drivers who consistently use loyalty programs save between $150 to $250 annually compared to casual shoppers. When combined with credit card rewards, these savings multiply significantly.

Your Free Tax-Free Shopping Day Information Guide →

Many credit cards offer exceptional fuel rewards. For example, some premium cashback cards provide 5% back on all gas purchases with no caps, which amounts to approximately $100 per year for drivers spending $2,000 annually on fuel. The Costco Visa card offers 4% cashback on Costco gas purchases, while the Shell Mastercard provides discounts directly at the pump. American Express offers select cards with 3% back at gas stations. The key is matching your card to your actual fuel purchasing behavior rather than signing up for every available card.

The mechanics work as follows: when you enroll in a gas station's loyalty program (usually free), you link it to your payment method. Each purchase earns points or direct discounts that accumulate over time. Some programs use a tiered system where higher spending unlocks better discounts. When combined with a rewards credit card, you're essentially earning discounts twice—once from the station and once from your card issuer.

• Enroll in the loyalty program for the gas station you visit most frequently
• Research credit cards offering 4-5% cash back on fuel purchases
• Don't carry multiple cards just for rewards; choose one that matches your spending
• Check your loyalty account monthly to redeem accumulated discounts
• Ask about additional promotions—many programs offer 2x or 3x points on specific days

Practical Takeaway: Combining a loyalty program (5 cents per gallon) with a 5% cashback credit card on a 15-gallon weekly fill-up equals approximately $390 in annual savings.

Drive Smarter — Speed, AC, Tire Pressure, and Route Planning

Your driving habits directly impact fuel consumption. The U.S. Department of Energy reports that fuel economy decreases significantly above 50 mph, with every 5 mph over 50 mph roughly equivalent to paying an additional 25 cents per gallon. For perspective, a driver cruising at 65 mph instead of 55 mph burns approximately 15% more fuel. On a typical weekly fill-up of 15 gallons, this habit costs around $195 annually in extra fuel.

Get Your Free Imagine Credit Card Account Guide →

Air conditioning systems impact fuel efficiency more than many drivers realize. According to the EPA, running your air conditioner can reduce fuel economy by 3-5%, particularly in city driving. On highway drives, opening windows creates negligible efficiency losses, but in city traffic, the aerodynamic drag becomes less significant. Tire pressure represents perhaps the easiest adjustment: tires inflated to manufacturer specifications (found on the driver's door jamb, not the tire wall) improve fuel economy by up to 3%. Under-inflated tires by just 10 psi can reduce fuel economy by approximately 1% per tire. Many drivers lose this efficiency without realizing it—monthly pressure checks take five minutes but save approximately $50-75 annually.

Route planning and acceleration habits matter more than drivers typically acknowledge. Jackrabbit acceleration burns fuel rapidly; smooth, steady acceleration preserves efficiency. Using cruise control on highways maintains consistent speed, reducing fuel consumption compared to manual speed fluctuations. Trip consolidation prevents short, cold-start journeys, which consume fuel inefficiently. One combined trip is always more efficient than multiple separate journeys covering the same total distance.

• Maintain speeds at or below 55 mph on highways when possible
• Check tire pressure monthly; inflate to manufacturer specs (not maximum sidewall rating)
• Use air conditioning only when necessary; open windows on highways
• Accelerate smoothly without sudden speed increases
• Combine errands into single trips rather than multiple separate journeys
• Use cruise control on highways to maintain steady speeds
• Plan routes using navigation apps to avoid traffic and unnecessary mileage

Practical Takeaway: Combining speed moderation (5% savings), proper tire pressure (3% savings), and strategic AC use (4% savings) reduces fuel consumption by approximately 12%, saving roughly $240 annually for average drivers.

Fill Up on the Right Day and Time

Gas prices follow predictable weekly patterns that most casual drivers never exploit. According to GasBuddy's historical data analysis, fuel prices typically reach their lowest point on Monday through Wednesday, with Tuesday and Wednesday being the absolute cheapest days nationally. Prices begin rising Thursday and peak on Friday through Sunday as weekend travelers prepare for leisure trips. This pattern holds true approximately 65-70% of the time. A driver consistently filling up on Tuesday instead of Friday could save approximately 10-15 cents per gallon on average—roughly $97-$145 annually on a standard 15-gallon weekly fill-up.

Free Guide to Understanding Home and Car Insurance Options →

Beyond weekly patterns, time of day matters slightly but measurably. Early morning (before 6 AM) and late evening (after 8 PM) typically offer marginally better prices than midday hours, as demand is lower. This difference usually amounts to 2-5 cents per gallon—modest but consistent. The reasoning is straightforward: gas stations adjust prices dynamically based on demand, similar to airline and hotel pricing strategies. Peak demand hours mean higher prices; off-peak hours mean lower prices. Overnight periods also see less price volatility.

Seasonal timing provides additional savings opportunities. Spring and fall typically offer the lowest national gas prices, while summer driving season (Memorial Day through Labor Day) and winter months feature higher prices. According to the Energy Information Administration, summer gasoline prices average 30-40 cents higher per gallon than winter prices due to different fuel blends and increased demand. Planning major road trips for spring or fall, when feasible, can yield significant savings.

• Fill up on Tuesdays or Wednesdays whenever possible
• Avoid filling up Friday through Sunday
• Plan fill-ups for early morning or late evening hours
• Schedule long road trips during spring and fall months
• Set a phone reminder for Tuesday mornings if you forget
• Check your app before buying to confirm the station hasn't raised prices since the last update

Practical Takeaway: Shifting your fill-up day from Friday to Tuesday saves approximately 10-12 cents per gallon, equaling roughly $120-144 annually on standard consumption patterns.

Consider Warehouse Clubs — Costco, Sam's Club, and BJ's

Warehouse club gas stations represent some of the most consistently affordable fuel options available, with pricing frequently 15-25 cents per gallon below national averages. Costco consistently ranks as the cheapest gas supplier for members, with prices typically 10-15 cents lower than nearby branded stations. Sam's Club runs slightly higher but still offers substantial savings. For perspective, if you fill up 15 gallons weekly at prices 20 cents per gallon cheaper than standard stations, you're saving approximately $156 annually—and that's before factoring in any additional warehouse membership benefits.

Get Your Free Edward Jones Credit Card Information Guide →

The catch is membership fees. Costco's basic membership costs $65 annually, while Sam's Club memberships start at $50 yearly, and BJ's Wholesale Club memberships begin at $55. For the savings to justify membership, you must achieve enough fuel volume. A driver saving 20 cents per gallon needs just 325 gallons annually (approximately 6.25 weekly fill-ups of 15 gallons) to break even on a $65 Costco membership. Most drivers who fill up weekly easily exceed this threshold. The real profitability comes from warehouse grocery shopping, which drives the membership value substantially higher.

Warehouse club fuel stations also typically accept all major credit cards, meaning you can still earn rewards on top of their discounted prices. A Costco Visa holder getting 4% cash back on warehouse gas purchases combines warehouse pricing with card rewards for maximum savings. Warehouse clubs maintain fuel stations in convenient locations; Costco operates over 700 fuel stations globally, with approximately 500 in North America. App-based fuel price tracking now includes warehouse club pricing, making it simple to factor into your fill-up decisions.

• Evaluate whether your regular fuel spending justifies membership fees
• Sign up for Costco if you fill up more than once monthly
• Use a warehouse credit card (like Costco Visa) to add rewards savings
• Combine warehouse fuel prices with loyalty program discounts when possible
• Time your membership renewal with annual fill-up patterns for maximum value
• Check if your employer offers discounted warehouse memberships

Practical Takeaway: A Costco member saving 18 cents per gallon on 15-gallon weekly fill-ups recovers their $65 annual membership fee after just 289 gallons, achieving profitability by late April and saving approximately $140 net annually.

Maintenance Habits That Improve Fuel Efficiency

Vehicle maintenance directly impacts fuel consumption, yet many drivers neglect basic upkeep that could save hundreds annually. An engine with a clogged air filter, for example, can see fuel economy reduction of 5-10%, adding approximately $100-200 yearly to fuel costs. The air filter should be inspected every 15,000-30,000 miles and replaced when visibly dirty—a $20-40 part that pays for itself in fuel savings within months. Similarly, spark plugs affect fuel consumption; worn plugs can reduce efficiency by 2-5%, costing roughly $40-100 annually in wasted fuel.

Get Your Free Guide to Credit Card Security Codes →

Wheel alignment significantly impacts fuel economy, though many drivers overlook this. Wheels out of alignment create rolling resistance and drag, reducing efficiency by 3-10% depending on severity. A full wheel alignment costs $100-200 but recovers this investment through fuel savings within 1-2 years for regular drivers. Rotating tires every 5,000-8,000 miles maintains even wear, extending tire life and