What Kum & Go is and what you can do there
Kum & Go is a convenience store and gas station chain operating in the central and western United States. You stop there to buy fuel, snacks, drinks, and other items you'd find at a typical gas station — but the chain also runs a rewards program that lets you earn discounts on future purchases, and it accepts multiple payment methods including mobile wallets and loyalty cards.
The chain operates in Iowa, Missouri, Kansas, Oklahoma, Texas, Wyoming, Colorado, and New Mexico. Each location has a fuel pump area outside and a convenience store inside where you can pay, buy food and drinks, or ask staff questions about the rewards program.
Key Takeaways
- Kum & Go's rewards program, called the Rewards Card, earns you points on every purchase that you can redeem for fuel discounts or in-store items.
- You can pay at the pump with a credit card, debit card, or mobile wallet, or you can go inside to pay with cash or a Rewards Card.
- The Rewards Card is free to sign up for and can be used both in-store and at the pump.
- Fuel prices and reward point values vary by location and change daily, so the discount you earn depends on where you fill up.
How the Kum & Go Rewards Card works
The Rewards Card is a free loyalty program you can sign up for in-store or online. When you use it to pay for fuel or items inside the store, you earn points on every dollar spent. Those points add up and can be redeemed for discounts on fuel or for free or discounted items from the store.
You get a physical card at the register when you sign up, and you can also link your phone number to the program so the cashier can look up your account without the card. The points don't expire as long as your account stays active, though the chain may close inactive accounts after a period of time — ask in-store about their specific policy.
The exact point value and redemption rates vary by location, so what you earn at one Kum & Go may differ slightly from another. Check with your local store or ask the cashier what the current earning rate is.
Payment methods at the pump and inside the store
At the pump, you can pay with a credit card, debit card, or mobile wallet (like Apple Pay or Google Pay) by inserting or tapping your card at the pump terminal. You cannot pay with cash at the pump — you have to go inside to use cash.
Inside the store, you can pay with cash, credit card, debit card, mobile wallet, or your Kum & Go Rewards Card. If you're using the Rewards Card, the cashier will scan it or look it up by your phone number, and the purchase will be added to your account.
Some Kum & Go locations may accept other payment methods or have special promotions, so if you have questions about a specific payment option, ask the cashier when you visit.
How to sign up for the Rewards Card
To sign up in-store, walk into any Kum & Go location and ask the cashier for a Rewards Card. They will hand you an process form or direct you to a kiosk where you can enter your information. You'll need to provide your name, address, phone number, and email address. The card is issued on the spot and is free.
You can also sign up online through the Kum & Go website or mobile app if one is available in your area. The process is similar — you enter your personal information and your account is created. You can then use your phone number at the register to link purchases to your account while you wait for a physical card to arrive, or you may be able to use a digital card in the app right away.
Once you're signed up, every purchase you make at Kum & Go — whether you use the physical card, your phone number, or a digital card — will earn points toward your next reward.
Understanding fuel pricing and reward redemption
Kum & Go's fuel prices change daily based on market conditions, just like other gas stations. The price you pay per gallon depends on the location you visit and the day you fill up. Your Rewards Card points can be redeemed for a discount on fuel, but the discount amount varies — it might be a few cents off per gallon, or it might be a fixed dollar amount off your total purchase.
The redemption value also depends on how many points you've accumulated. Some rewards programs let you redeem smaller amounts for smaller discounts, while others require you to reach a certain point threshold before you can redeem. Ask the cashier or check your account online to see how many points you have and what your current redemption options are.
Fuel rewards typically explore only to fuel purchases, not to in-store snacks or drinks, though some promotions may differ. Check the terms of the current promotion at your local store.
What to do if you lose your Rewards Card or forget your phone number
If you lose your physical Rewards Card, go to any Kum & Go location and tell the cashier. They can look up your account by your phone number or email address and either issue you a replacement card or help you use your phone number at the register instead. There is no fee to replace a lost card.
If you forget your phone number or the one on file is no longer active, the cashier can update your account information on the spot. Bring a form of ID so they can verify your identity, and they'll get you set up with a new phone number or reissue your card.
Your points are tied to your account, not to the physical card, so you won't lose your accumulated rewards if the card is lost or damaged.
Fuel grades and what they mean at Kum & Go
Like other gas stations, Kum & Go offers different fuel grades — typically regular (87 octane), mid-grade (89 octane), and premium (91 or 93 octane). Regular fuel is the cheapest and is suitable for most vehicles. Mid-grade and premium fuels cost more per gallon and are designed for vehicles that require higher octane or that perform better with premium fuel.
Check your vehicle's owner manual or the inside of your fuel door to see what octane your car needs. Using a lower octane than recommended can cause engine knocking and reduce performance, while using a higher octane than necessary is straightforward more expensive and won't improve your car's performance. Your Rewards Card discount applies to whichever grade you choose to buy.
Frequently Asked Questions
Do I have to use the Rewards Card, or can I just pay cash?
You can pay with cash at any Kum & Go without a Rewards Card. However, you won't earn points toward future discounts. The Rewards Card is free and takes less than a minute to sign up for, so most customers find it worth getting even if they don't use it every visit.
Can I use my Rewards Card at other gas stations?
No, the Kum & Go Rewards Card works only at Kum & Go locations. It is not accepted at other gas station chains or convenience stores.
What happens to my points if I don't visit Kum & Go for a long time?
Points typically do not expire as long as your account is active, but Kum & Go may close accounts that have had no activity for an extended period. The exact timeframe varies, so contact your local store or check the terms on the Kum & Go website to learn their specific policy on inactive accounts.
Can I check my points balance online or on my phone?
Many Kum & Go locations offer a mobile app or online account portal where you can view your points balance and account details. Ask the cashier whether your location supports this, or check the Kum & Go website to see what tools are available in your area.
Is there a minimum purchase to earn rewards?
No, you earn points on every purchase, no matter how small. Even a single snack or a small fuel purchase will add points to your account.