I've found the Speedy Mastercard useful. Is 50pts/$ on Speedway spend. So 200 in gift cards (Amazon, Visa, whatever I need) adds 10K pts to your balance. Roughly equal to 60 cents off per gallon. My car will usually take 16 or so gallons, so to max the discount (up to 25 gal.) I get someone else to bring their car, or use gas cans for the other 9. To me, the 60 cents off is worth 25g * $0.60/g = 15. I look at it as getting ~15 in benefit for buying 200 of stuff, or ~7.5% return. Or ~4.5% return if buying the Visa which costs 5.95.