Every figure below was checked against the provider’s own published terms on 22 September 2026. This is a dated snapshot, not a permanent ranking — rates change, so treat it as a starting point and confirm current terms with the provider.
Fuel is one of the few regular purchases where a card or loyalty scheme can return a noticeable amount — but the schemes work in very different ways, and two of the five below return about half a penny per litre while another returns several pence.
The five, checked 22 September 2026
These are actual products available in the UK. Each figure is taken from the provider’s own published terms on the date shown, so you can check it yourself. We hold no affiliate relationship with any of them, and no link on this page earns us money.
Shell GO+ Rewards fuel loyalty scheme · free
1 point per litre of Shell’s standard fuel, and 2 points per litre of Shell V-Power. Points are redeemed at the till, where 200 points = £1.
In pence per litre: roughly 0.5p on standard fuel and 1p on V-Power.
Worth knowing: Shell sets a maximum number of points that can be earned in a day or a month, without fixing the figure in the terms, so check your own account for the current validity period and limits before relying on a balance.
Source: Shell GO+ Rewards terms, shell.co.uk · checked 22 September 2026
BPme Rewards fuel loyalty scheme · free
1 point per litre of regular fuel, and 2 points per litre of Ultimate fuel — plus 1 point per £1 spent in store. 200 points = £1 off fuel or shop spend.
In pence per litre: roughly 0.5p on regular and 1p on Ultimate.
Worth knowing: points can also be exchanged for vouchers with other retailers, which can be worth more or less than £1 per 200 points depending on the offer.
Source: BPme Rewards, bp.com · checked 22 September 2026
Chase UK current account debit or credit card
2% cashback, up to £20 a month, on everyday spending. Chase’s own list of qualifying spending explicitly includes fuel and public EV charging, alongside groceries, restaurants, takeaways and everyday transport.
Worth knowing: this is the most conditional of the five, and the detail matters. To qualify for cashback you must make at least 15 payments and hold £1,000 or more across your Chase saver accounts every day for the entire calendar month — not just on average, and not just at the end of it. Cashback applies to UK and Channel Islands spending in GBP only.
Source: Chase UK cashback terms and conditions, chase.co.uk · checked 22 September 2026
Santander rewards credit cards credit card
3% cashback on petrol — along with everyday travel, eating out and takeaways — during your first year, then 0.25% on other purchases. Representative APR 24.9% variable.
In pence per litre: at a typical 145p per litre, 3% is about 4.35p per litre — far more than any loyalty scheme on this page. It is a first-year rate, so it drops away afterwards.
Worth knowing: cashback cards usually carry a higher interest rate than a standard card. If you do not clear the balance in full each month, interest will cost you more than the cashback pays.
Source: Santander credit card range, santander.co.uk · checked 22 September 2026
American Express Platinum Cashback Credit Card credit card
5% welcome cashback up to £125 in the first three months, then 0.75% on spending up to £10,000 and 1.25% above that each card year. There is no cap on the cashback itself. Annual fee £25.
In pence per litre: at 145p per litre, the standard rate is about 1.1p per litre, rising to about 1.8p at the higher tier.
Worth knowing: the cashback applies to purchases generally — fuel qualifies, but there is nothing fuel-specific about it. Representative APR 34.6% variable, and applicants need an income of at least £20,000. The £25 fee has to be earned back before the card is worth it at all.
Source: American Express Platinum Cashback Credit Card, americanexpress.com · checked 22 September 2026
Is it worth it for you?
For an average driver, fuel is a large regular spend, so even 1% back can add up over a year. But when the same card pays the same rate on your other spending, the fuel benefit alone may not justify choosing it. The deciding factors are usually the annual fee, whether you can earn the max rate, and whether you’ll use the card enough to beat that fee.
It is also worth checking what you would actually save before choosing a card around it: work out your annual fuel cost, then compare what you pay locally in Manchester or London against the national average. A station that is a few pence cheaper every week is worth more than most of these schemes.
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