2013 Flying J Pilot credit card VS. other gas cards?

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linuxwilliam
 
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2013 Flying J Pilot credit card VS. other gas cards?

Postby linuxwilliam » Fri Aug 02, 2013 11:24 pm

My only credit card experience is with Key Bank. It's a Platinum Visa that was converted from a student card. I have no complaints about it other than that the rewards are 1 percent on everything. I don't really like credit because I don't want to get into debt and pay interest. That is why I am inquiring for advice about the Pilot gas card. It is for exclusive use at Pilot Flying J gas stations. It gives this discount per gallon.

  • Good Sam Members: $.03 on Gas, $.05 on Diesel
  • Good Sam Deluxe Members: $.04 on Gas, $.06 on Diesel
  • Good Sam Life Members: $.06 on Gas, $.08 on Diesel
  • Good Sam Elite Members: $.07 on Gas, $.09 on Diesel
For a gas-only card this is the best I have found amongst the stations in my area. Many don't have discounts at all in fact. Am I missing any that have better discounts then this?


takeshi
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Postby takeshi » Sat Aug 03, 2013 9:03 am

Look at the gas card page on this site. I haven't done the math myself but it claims that 2% back on gas at $3.50/gallon is equivalent to 7 cents/gallon. Don't look at just gas cards.

MemberSince99
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Postby MemberSince99 » Sat Aug 03, 2013 10:34 am

That math is correct. As the price of gas is constantly changing, that will change too of course.

But seriously is anyone REALLY worried about a few pennies here? I mean hell if you really are, and we are close you can have mine if it really means THAT much to you, I don't even pick the things up anymore. Sometimes this stuff just in my not so humble opinion gets ridiculous when people are just life and death about 3 cents. I mean really?

I just use the cards with companies I like giving my business to and let the rewards take care of themselves. I truly don't worry oh this card gives a couple percent more than this other one for 3 months out of the year I'd better use that. I don't really care. Any rewards I get is a bonus.

And with our luck eventually the IRS will tax us on it anyway, it's coming I'm certain of that, it's one of the few things they don't currently tax as it's considered a rebate, but they will eventually dig in for their cut and there is not a damn thing any of us can or will do about it other than whine and pay up. So why sweat it.

linuxwilliam
 
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Location: Toledo

Postby linuxwilliam » Sat Aug 03, 2013 11:32 am

I believe I would have to be a Good Sam Elite to get $.07. My acct. would be the Deluxe at $0.04.

But I suppose MS99 is right in that it may not be worth chasing 4 pennies. If I used Key Bank over the Pilot credit card it would be 1 percent and that is more or less the same. But I don't want to get in the habit of gassing up with my Mastercard because before I know it I will be inside wasting money on snacks and cappuccinos and other frivolous things. This is why for me cash is king. The Dave Ramsey envelope system of spending only the money you have has worked wonders to keep my budget in check. The Key Bank card is only for situations where cash isn't possible like online ordering and hotels that require a card on file.

Midori
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Postby Midori » Sat Aug 03, 2013 4:11 pm

Yesterday, I bought 22.131 gallons of gas at $3.349/gallon, for a total of $74.12. I used my Chase Freedom (5% gas this quarter) for the rewards points, which I'm collecting towards some random vacation in the future. Your 1% card would get you $0.74 back, for a total of $73.38.

If I was a Good Sam member, saving $0.03, that $74.12 tank would have cost me $73.45.

If I was a Good Sam Deluxe member, saving $0.04, that $74.12 tank would have cost me $73.23.

If I was a Good Sam Life member, saving $0.06, that $74.12 tank would have cost me $72.79.

If I was a Good Sam Elite member, saving $0.07, that $74.12 tank would have cost me $72.57.

I don't know how what the fees are for joining which tier ($25 enrollment vs. buy an RV?!?), but you'd take those into account with the amount of gas you usually purchase in a year with your specific driving habits.

If I used your 1% card at yesterday's price in a cheap gas state, it already gives you a better return than your basic Good Sam membership would have. I'm not into debt or interest, either. I'd suggest you look at your options, and maybe consider a more flexible spending card that gave you 2%, 3%, or 5% back, use it responsibly, and pay it off in full every month to avoid interest. (The gas you buy through their program has to be paid-in-full each month anyways.) If you know your habits and need the extra help in not overspending, linuxwilliam's cash-in-an-envelope is an excellent thought.



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