BP Earnify + Top Gas Rewards Credit Cards

As a Mazda Miata MX5 owner with a modest 11-gallon tank that demands premium fuel, I've become somewhat obsessive about optimizing my gas rewards.

With fuel prices continuing to fluctuate, finding ways to save at the pump has become more important than ever.

BP's Earnify rewards program offers several avenues for savings, and when combined with the right credit cards, the benefits become even more substantial.

The key is knowing which gas credit cards to pair with loyalty programs for maximum return.

Understanding BP's Earnify Rewards Program

BP recently rebranded their loyalty program to "Earnify" (formerly BPme Rewards). Here's what the program offers:

Amazon Prime Benefit: 5 cents off per gallon for Amazon Prime members

Mobile App Discount: Additional 5 cents off per gallon when paying through the Earnify mobile app

Points System: Earn 1 point for every $1 spent on gas

Redemption Structure: Every 800 points gets you 20 cents off per gallon for a one-time fill-up (points reset to zero after redemption)

My Miata Math: Real Savings Breakdown

With my Mazda Miata MX5's 11-gallon tank requiring premium fuel, let's calculate my monthly savings:

Monthly Fill-ups: 4 times

Amazon Prime + App Discount: 10¢ off per gallon on each fill-up

Monthly Savings from Discounts: 11 gallons × 10¢ × 4 fill-ups = $4.40/month

For points accumulation:

Assuming premium gas at $4.50/gallon

Monthly Spend: $4.50 × 11 gallons × 4 fill-ups = $198/month

Monthly Points Earned: 198 points

Months to Reach 800 Points: Approximately 4 months

Additional Savings Every 4 Months: 11 gallons × 20¢ = $2.20 (or about $0.55/month when averaged)

Total Monthly Savings: $4.95 (not accounting for any credit card rewards)

The Average American SUV Owner's Savings

For comparison, let's calculate savings for a typical American driving an SUV that requires premium fuel:

Average Tank Size: 18 gallons

Monthly Fill-ups: 4 times

Amazon Prime + App Discount: 10¢ off per gallon on each fill-up

Monthly Savings from Discounts: 18 gallons × 10¢ × 4 fill-ups = $7.20/month

For points accumulation:

Monthly Spend: $4.50 × 18 gallons × 4 fill-ups = $324/month

Monthly Points Earned: 324 points

Months to Reach 800 Points: Approximately 2.5 months

Additional Savings Every 2.5 Months: 18 gallons × 20¢ = $3.60 (or about $1.44/month when averaged)

Total Monthly Savings: $8.64 (before credit card rewards)

Supercharging Your Savings: Credit Card Stacking

Here's where the strategy gets interesting. By using credit cards with gas multipliers, you can dramatically increase your effective savings at BP stations.

Citi Strata Premier (3X on Gas)

The Citi Strata Premier offers 3X ThankYou Points on gas purchases.

Value per Point: Approximately 1.5¢ when transferred to travel partners, according to The Points Guy's latest valuation

Return on Gas Purchases: 4.5% (3 × 1.5¢)

For my Miata:

Monthly Gas Spend: $198

Points Earned: 594 ThankYou Points

Monthly Value: $8.91

Combined with Earnify: $8.91 + $4.95 = $13.86/month (about 7% back) ✅

For the average SUV:

Monthly Gas Spend: $324

Points Earned: 972 ThankYou Points

Monthly Value: $14.58

Combined with Earnify: $14.58 + $8.64 = $23.22/month (about 7.2% back) ✅

American Express Business Gold (4X on Gas)

The American Express Business Gold earns 4X Membership Rewards points on gas, making it one of the best cards for fuel purchases.

Value per Point: Approximately 2¢ when transferred to travel partners, based on The Points Guy's current valuations

Return on Gas Purchases: 8% (4 × 2¢)

For my Miata:

Monthly Gas Spend: $198

Points Earned: 792 Membership Rewards Points

Monthly Value: $15.84

Combined with Earnify: $15.84 + $4.95 = $20.79/month (about 10.5% back) ⭐️

For the average SUV:

Monthly Gas Spend: $324

Points Earned: 1,296 Membership Rewards Points

Monthly Value: $25.92

Combined with Earnify: $25.92 + $8.64 = $34.56/month (about 10.7% back) ⭐️

Wells Fargo Autograph (3X on Gas)

The Wells Fargo Autograph offers 3X points on gas stations, with points valued at 1¢ each.

Value per Point: 1¢ (fixed redemption value for Wells Fargo rewards points)

Return on Gas Purchases: 3%

For my Miata:

Monthly Gas Spend: $198

Points Earned: 594 points

Monthly Value: $5.94

Combined with Earnify: $5.94 + $4.95 = $10.89/month (about 5.5% back) ✅

For the average SUV:

Monthly Gas Spend: $324

Points Earned: 972 points

Monthly Value: $9.72

Combined with Earnify: $9.72 + $8.64 = $18.36/month (about 5.7% back) ✅

Quick Thoughts

BP's Earnify rewards program offers decent value on its own, but the real magic happens when you pair it with a rewards credit card. The combination of immediate per-gallon discounts, point accumulation for future savings, and credit card rewards creates a powerful stack that significantly reduces your effective cost of fuel.

For maximum rewards, the American Express Business Gold stands out for gas purchases with its 4X multiplier on fuel. For those without a business, the Citi Strata Premier offers excellent returns that can be transferred to travel partners.

Remember that Amazon Prime members get an automatic 5¢ off per gallon at BP. Combined with the mobile app discount and the right gas rewards credit card, you could be saving 10-15% on your premium fuel expenses.