Kum & Go is a convenience store chain with fuel pumps, banking services, and a rewards program

Kum & Go operates over 400 locations across the central and western United States, primarily in Iowa, Missouri, Nebraska, Oklahoma, Kansas, Colorado, Wyoming, and Montana. The chain sells gasoline, diesel, and E85 fuel at the pump, plus typical convenience store items inside: snacks, beverages, coffee, hot food, and basic groceries. Many locations also have a MoneyCenter, which offers money orders, bill payment, and check cashing services — services that matter if you don't have a bank account or need to send money quickly.

The company also runs the Rewards program, a free membership that tracks your purchases and gives you discounts on fuel and in-store items. Unlike some rewards programs, you don't need a credit card to join — you can use a debit card, cash, or a phone number at checkout.

Key Takeaways

  • Kum & Go sells fuel, food, and beverages at over 400 locations in the central and western United States, with the highest concentration in Iowa and Missouri.
  • The MoneyCenter at many locations offers money orders, bill payment, and check cashing without requiring a bank account.
  • The Rewards program is free to join and tracks purchases to give you discounts on fuel and in-store items, and you can sign up with just a phone number.
  • You can pay for fuel and purchases with cash, debit card, or credit card at any location.
  • Kum & Go fuel pumps accept most major credit and debit cards, and some locations offer loyalty discounts if you're a member.

How to find a Kum & Go location near you

Kum & Go publishes a store locator on its website at kumandgo.com. You can search by city, state, or ZIP code to find the nearest location, see its hours, and check whether it has a MoneyCenter. The locator also shows which pumps accept which fuel types — not every location carries E85, for example.

If you're traveling and need fuel, the store locator will show you distances and directions. Many locations are open 24 hours, though hours vary by store, so check before you rely on a late-night visit.

Using the Rewards program

The Kum & Go Rewards program is free and requires no credit card. To join, you can give your phone number at the register, or sign up online at kumandgo.com before you visit. Once you're enrolled, your phone number links to your account, and every purchase — fuel or in-store — earns points.

Points convert to discounts on fuel and in-store items. The program also sends personalized offers to your phone or email. You can check your balance and see your rewards offers by logging into your account online or through the Kum & Go mobile app.

If you lose track of your phone number or want to switch to a different one, you can update your account information on the website or ask a cashier at any location to help you link your account to a new number.

Paying for fuel and in-store purchases

Kum & Go accepts cash, debit cards, and credit cards at the pump and inside the store. If you pay with a card at the pump, insert or tap your card, enter your ZIP code, and select your fuel grade. The pump will authorize a temporary hold on your account — typically $1 to $100 depending on your card issuer — and then charge you only for the fuel you actually pump.

Inside the store, you can pay at the register with any of those methods. If you're a Rewards member, give your phone number at checkout so your purchase counts toward your points balance.

Some locations have self-checkout, though not all. If you're unsure whether a particular store has it, call ahead or check the store locator.

MoneyCenter services at select locations

Many Kum & Go locations have a MoneyCenter that offers money orders, bill payment, and check cashing. These services are useful if you don't have a bank account or need to send money without using a bank. Money orders cost a small fee — the exact amount varies by location and the amount of the order — and can be sent anywhere in the United States or internationally.

Bill payment through the MoneyCenter lets you pay utilities, credit cards, loans, and other bills in person without a bank account. You'll need the account number and the biller's address. Check-cashing fees also vary by location and the check amount.

Not every Kum & Go has a MoneyCenter, so use the store locator to confirm before you visit. Hours for the MoneyCenter may differ from the store's regular hours, so call ahead if you're going at an unusual time.

What fuel types Kum & Go offers

Most Kum & Go locations sell regular unleaded gasoline (87 octane), mid-grade (89 octane), and premium (91 or 93 octane). Many also sell diesel for trucks and larger vehicles. Some locations carry E85, a blend of 85 percent ethanol and 15 percent gasoline, which is cheaper than regular gas but only works in vehicles designed to run on it — check your owner's manual or the fuel door to see if your car is E85-compatible.

Prices vary by location and change daily based on crude oil markets. Kum & Go publishes current prices on its website and mobile app, so you can compare before you fill up.

Using the Kum & Go mobile app

The Kum & Go mobile app lets you check fuel prices, find locations, view your Rewards balance, and see personalized offers. You can read it from the Apple App Store or Google Play Store. Once you log in with your phone number or email, your Rewards account syncs to the app, and you can show your membership at the register without a physical card.

The app also shows which pumps are available at each location and whether the store has a MoneyCenter. Some users report that the app occasionally has login issues, so if you can't access your account, try resetting your password or contact Kum & Go customer service through the website.

Frequently Asked Questions

Can I use my Rewards membership at any Kum & Go location?

Yes. Your Rewards account works at all Kum & Go locations across the country. Just give your phone number at checkout, and your points will be added to your account. You can also use the mobile app to show your membership digitally.

What happens if I pay with a card at the pump and the pump holds more than I actually spend?

The temporary hold is released within one to three business days, depending on your bank. The charge on your account will only reflect the fuel you actually pumped. If the hold doesn't drop after a few days, contact your bank — they can see the transaction details and confirm the final amount.

Do I need a bank account to use the MoneyCenter?

No. The MoneyCenter is designed for people without bank accounts. You can pay for money orders and bill payments with cash or a debit card. Check-cashing also doesn't require a bank account, though some locations may ask for ID.

Is E85 fuel cheaper than regular gasoline?

E85 is usually cheaper per gallon than regular unleaded, but your vehicle will use more of it because it has less energy per gallon. Whether it saves you money depends on your car's fuel economy on E85 versus regular gas. Check your owner's manual to see if your vehicle is rated for E85 before you try it.

Can I earn Rewards points if I pay with cash?

Yes. Give your phone number at checkout, and your purchase will be added to your Rewards account even if you pay with cash. If you don't have your phone number memorized, you can look it up in your account online or ask the cashier to help you find it.