A Senior’s Guide To Get Cheap Fuel Card

As gas prices rise unpredictably, many seniors are seeking ways to reduce fuel costs. Fuel cards and gas rebate programs offer discounts, cashback, and other savings at the pump. This Is a guide for seniors on how to secure a cheap fuel card.

1. Understanding Fuel Cards

Fuel cards are specialized credit or debit cards that offer discounts or rewards for fuel purchases. They come in different forms, such as:

  • Gas Station-Specific Cards: Linked to particular gas station brands, offering discounts only at their locations.
  • General Fuel Reward Cards: Provide cashback or points for fuel purchases, often redeemable across multiple brands.
  • Rebate Programs: Government or corporate-sponsored programs that offer rebates or subsidies on fuel.

Average Fuel Prices 

Fuel prices can vary greatly across the United States due to state taxes, supply and demand, and regional policies. Here’s an estimate of the average price per gallon for regular gasoline in 10 states:

  1. California
    • Average Price: $4.90 – $5.40 per gallon
  2. Texas
    • Average Price: $3.20 – $3.60 per gallon
  3. New York
    • Average Price: $3.80 – $4.20 per gallon
  4. Florida
    • Average Price: $3.50 – $4.00 per gallon
  5. Illinois
    • Average Price: $3.70 – $4.10 per gallon
  6. Ohio
    • Average Price: $3.40 – $3.80 per gallon
  7. Pennsylvania
    • Average Price: $3.70 – $4.10 per gallon
  8. Michigan
    • Average Price: $3.50 – $3.90 per gallon
  9. Georgia
    • Average Price: $3.30 – $3.70 per gallon
  10. Arizona
  • Average Price: $3.80 – $4.20 per gallon

These prices are approximate, based on current trends and available data. Prices tend to fluctuate due to local economic conditions, changes in global oil prices, and geopolitical factors. Checking local prices and recent trends will provide a more accurate picture for your area.

Average Gas Rebate Card Value 

Gas rebate cards or fuel assistance programs are designed to help offset fuel costs. However, the value of these cards can vary based on state-specific programs and rebate amounts. Here’s a general overview of the estimated average rebate value per gallon across 10 states:

  1. California
    • Average Rebate: $0.40 – $0.60 per gallon
    • Program Example: California Gas Rebate
  2. Texas
    • Average Rebate: $0.30 – $0.50 per gallon
    • Program Example: Fuel Assistance Card Program
  3. New York
    • Average Rebate: $0.35 – $0.55 per gallon
    • Program Example: New York State Fuel Rebate Program
  4. Florida
    • Average Rebate: $0.25 – $0.45 per gallon
    • Program Example: Florida Gas Relief Card
  5. Illinois
    • Average Rebate: $0.30 – $0.50 per gallon
    • Program Example: Illinois Fuel Rebate Card
  6. Pennsylvania
    • Average Rebate: $0.20 – $0.40 per gallon
    • Program Example: Pennsylvania Gas Savings Program
  7. Ohio
    • Average Rebate: $0.25 – $0.45 per gallon
    • Program Example: Ohio Gas Discount Program
  8. Georgia
    • Average Rebate: $0.30 – $0.50 per gallon
    • Program Example: Georgia Fuel Rebate Card
  9. Michigan
    • Average Rebate: $0.35 – $0.55 per gallon
    • Program Example: Michigan Gas Rebate Card
  10. Arizona
  • Average Rebate: $0.25 – $0.45 per gallon
  • Program Example: Arizona Gas Relief Program

Important Considerations

  • Program Eligibility: Eligibility criteria vary by state and program. Verify that you meet the requirements before applying.
  • Rebate Limits: Some programs have a maximum rebate limit per individual or household.
  • Documentation: Ensure you have all necessary documentation, such as fuel receipts or tax records.

These values are approximate, and availability may change over time. Always check with local government agencies or utility companies to see what gas rebate programs are available and how much you can save per gallon.

2. Selecting the Right Fuel Card for Your Needs

  • Identify Your Driving Habits:
    • Determine how often and how far you typically drive.
    • Focus on cards that align with your regular gas station stops.
  • Assess the Fees and Rates:
    • Look for cards with minimal or no annual fees.
    • Avoid cards with high interest rates if you plan to carry a balance.
  • Check for Senior Discounts:
    • Some gas stations and fuel card programs offer additional discounts specifically for seniors.

3. Top Fuel Card Options for Seniors

Gas Station-Specific Cards

  1. Shell Fuel Rewards Card:
    • Discount: Up to 10¢ per gallon
    • Benefits: Additional discounts for grocery and restaurant spending.
  2. BPme Rewards Visa Card:
    • Discount: Up to 15¢ per gallon
    • Benefits: Earn cashback on gas and non-fuel purchases.

General Fuel Reward Cards

  1. AARP Credit Card from Chase:
    • Cashback: 3% cashback on gas purchases
    • Benefits: Additional cashback on restaurant and pharmacy purchases.
  2. Citi Custom Cash Card:
    • Cashback: 5% cashback on top spending category (including gas)
    • Benefits: Rotating 5% cashback on fuel or other categories.

Government and Corporate Rebate Programs

  1. California Gas Rebate Program:
    • Eligibility: Income-based
    • Benefits: Rebate of $400 for eligible Californians.
  2. Fuel Assistance Card Program (Texas):
    • Eligibility: Income-based, with specific criteria for seniors.
    • Benefits: Discounts of 30¢ per gallon.

4. Maximizing Your Fuel Card Benefits

  • Combine Discounts:
    • Stack fuel card discounts with grocery store rewards or loyalty programs.
  • Monitor Promotions:
    • Watch for special promotions or limited-time offers for extra savings.
  • Pay Off Balances:
    • Avoid carrying a balance to prevent interest charges from negating your savings.
  • Plan Your Refueling:
    • Refuel on days when your chosen gas station offers the lowest prices.

5. Additional Tips for Saving on Fuel

  • Drive Efficiently:
    • Maintain steady speeds, reduce idling, and avoid rapid acceleration.
  • Car Maintenance:
    • Keep your car well-maintained with regular oil changes and properly inflated tires.
  • Carpool or Use Public Transit:
    • Carpool with friends or use public transportation whenever possible.


Securing a cheap fuel card can provide substantial savings for seniors at the pump. By selecting a card tailored to your needs and using it effectively, you can reduce fuel costs while enjoying other perks. Follow these tips and start saving with a fuel card that fits your lifestyle.