If you're not saving on your gas fillips yet, you should be doing so. Everything in life that cost money has a way around it so you don't have to pay full price. So, how exactly do you save on gasoline fillips? The concept is simple if you know how to use it. It's called a gas credit card.

A gas credit card can you work you wonders if you know how to use it right. If you're not good with credit cards or you simply have a really bad credit score, I would advise that you steer clear of a credit card like this because if you don't pay your bill off in time, you're not going to get the full benefits of a gas card.

If you already have a gas card or you're thinking about applying for one, you're going to have to know how to make the rewards work for you before you actually start swiping the card at the local drug store. By now, you should know that for every dollar you don't pay off on your credit card bill, you're going to be charged with the APR rate. Depending on your card, this will vary but a majority of the times, it will be above ten percent depending on the credit.

The reason you're going to want to pay off your bill in full each month is because if you don't, just put two and two together. If you have a one thousand dollar bill and you only pay off nine hundred dollars, you'll have one hundred dollars to spare. Those one hundred dollars are going to be tacked with the APR. That difference alone won't be equal or less than the rewards you're getting because let's say you get three percent knocked off that one thousand, that's thirty dollars, if that. Now, with the one hundred dollars, if your APR rate is fifteen percent, you're going to pay fifteen dollars for every hundred dollars each year. This can add up quick.

How can I pay off my bill in full?

This is so easy, it's incredible. Before you make a purchase with your plastic, make sure you know how much money you have on hand. This will include your checking account, etc. If you don't have enough money to make the purchase, simply don't make it. You're going to have to treat your credit card as if it were a gift card. If you can use this concept, you'll make the most out of your rewards. If you know you can't do this, then a credit card won't be for you.

A credit card can work wonders for you at the pump, it's up to you to make sure you discipline yourself. No one else is going to help you but yourself. If you can play the game right, the rewards will work for you. If you know you can't play the game right, then as I said a few other times, it would be best you stick to hard cold cash.