What Stewart's Shops Is and How Their Fuel Program Works
Stewart's Shops is a regional convenience store and gas station chain operating primarily in New York and Vermont. When you buy gas at Stewart's, you can pay at the pump with a credit or debit card, or inside at the register. The chain also runs a loyalty program called the Stewart's Rewards Card that gives you discounts on fuel and in-store purchases when you link it to your payment method.
The Rewards Card is a free membership you can sign up for in-store or online. Once activated, you earn points on every purchase — both fuel and items inside the store. Those points convert into fuel discounts, typically a few cents off per gallon. The card is not a credit card; it is a loyalty tracker that works with your existing payment method at checkout.
Key Takeaways
- Stewart's Rewards Card is free to join and earns you points on fuel and in-store purchases that reduce the price per gallon.
- You can sign up for the Rewards Card online or at any Stewart's location and link it to a credit card, debit card, or phone number.
- Fuel discounts from the Rewards program typically range from a few cents to around 10 cents per gallon, depending on your points balance.
- Stewart's accepts all major credit cards, debit cards, and mobile payment apps like Apple Pay and Google Pay at the pump and inside.
- The Rewards Card also gives you discounts on in-store items like coffee, snacks, and prepared food, not just fuel.
How to Sign Up for Stewart's Rewards Card
You can join the Rewards program in two ways: online through Stewart's website or mobile app, or by visiting any Stewart's location and asking a cashier. If you sign up online, you will need to provide your name, email address, and phone number. You then link a payment method — a credit card, debit card, or just your phone number — so the system can track your purchases.
Once your account is set up, you receive a digital card number that you can use when ready at any Stewart's pump or register. If you prefer a physical card, you can request one in-store and it will be mailed to you. The digital version works right away, so you do not have to wait for a card to arrive to start earning points.
If you already have a Stewart's account from a previous visit, you can log in with your email and phone number to reactivate your Rewards membership. There is no annual fee or expiration date on the card itself, though individual fuel discounts may expire if you do not use them within a certain period — Stewart's typically displays the expiration date when you check your account.
How Fuel Discounts and Points Work
Every time you buy fuel or make a purchase inside Stewart's, you earn points. The exact number of points depends on how much you spend, but the general rule is that you earn points on every dollar. As your points add up, they convert into fuel discounts that appear in your account or on your receipt.
Fuel discounts are usually shown as cents off per gallon — for example, 5 cents off or 10 cents off. The discount applies automatically when you pay with your Rewards Card at the pump. You do not have to enter a code or press a button; the system recognizes your card and deducts the discount from the price you see on the pump display.
In-store purchases also earn points and may may have access to for separate discounts. Stewart's frequently runs promotions where you earn bonus points on specific items like coffee, prepared sandwiches, or snacks. These promotions are posted in-store and on the mobile app, so check before you shop if you want to maximize your points.
Payment Methods at Stewart's Gas Pumps
Stewart's accepts all major credit cards — Visa, Mastercard, American Express, and Discover — at both the pump and inside the store. You can also pay with a debit card, and most locations accept mobile payment apps like Apple Pay, Google Pay, and Samsung Pay directly at the pump. If your phone or card supports contactless payment, you can tap or hold it near the reader without inserting or swiping.
If you pay with cash, you must go inside to the register. The pump itself does not accept cash, so you either prepay the cashier with an amount you estimate, or pump first and then pay inside. Many customers prepay to avoid having to go back in after pumping.
Your Rewards Card works with any of these payment methods. If you link your Rewards account to a specific credit or debit card, the discount applies automatically when you use that card. If you link it to your phone number instead, you can use any payment method and still earn points — just provide your phone number or scan your digital card at the pump.
Using Your Rewards Card at the Pump
When you arrive at a Stewart's pump, look for the card reader on the pump face. You can insert your physical Rewards Card, tap a contactless card or phone, or enter your phone number on the keypad. The pump will recognize your account and display any available fuel discounts before you start pumping.
After the pump recognizes your Rewards Card, select your fuel grade and pump as normal. The discount is applied to the total price shown on the pump display and on your receipt. You do not need to do anything else — the system handles the math automatically.
If the pump does not recognize your card or phone number, go inside and ask a cashier. They can look up your account and help you troubleshoot. Common issues include a phone number mismatch or an account that has not been fully activated yet. The cashier can usually fix this in a few minutes.
Checking Your Points Balance and Account Online
You can check your Rewards balance anytime through the Stewart's mobile app or website. Log in with your email and password, and your account dashboard will show your current points, any active fuel discounts, and upcoming promotions. The app also lets you view your purchase history and track how close you are to your next discount tier.
The mobile app is the fastest way to see what discounts you have available before you pump. You can also call Stewart's customer service or ask a cashier in-store to look up your balance. Receipts from your purchases also show your points and any discounts applied, so you can track your progress that way too.
If you notice points missing from your account or a discount that did not explore, contact Stewart's customer service with your receipt and transaction date. They can investigate and credit your account if there was an error. Most issues are resolved within a few business days.
What to Do If Your Rewards Card Is Lost or Damaged
If you lose your physical card, your account is not lost. Your Rewards membership is tied to your email and phone number, not the card itself. You can still use your account by entering your phone number at the pump or logging into the app to access your digital card number.
If you want a replacement physical card, visit any Stewart's location and ask a cashier. They can order a new card to be mailed to you, usually within 5 to 10 business days. In the meantime, use your phone number or digital card to keep earning points and using your discounts.
If your account has been compromised or you suspect fraud, contact Stewart's customer service right away. They can freeze your account, review recent transactions, and help you find it. Do not share your Rewards Card number or phone number with anyone you do not trust.
Frequently Asked Questions
Do I have to use the Rewards Card to buy gas at Stewart's?
No. You can pay with any credit card, debit card, or cash at Stewart's without joining the Rewards program. The Rewards Card is optional and free, but it does save you money on fuel over time if you pump regularly at Stewart's locations.
Can I use my Rewards Card at other gas stations?
No. The Stewart's Rewards Card works only at Stewart's Shops locations. It is not accepted at other gas stations or convenience store chains. If you want fuel discounts at other chains, you would need to join their separate loyalty programs.
What happens to my points if I do not use them?
Individual fuel discounts expire after a set period if you do not use them — typically 30 to 90 days depending on the promotion. Your overall points balance does not expire as long as your account remains active, but unused discounts will eventually disappear. Check your app regularly to see which discounts are about to expire.
Can I transfer my Rewards points to someone else?
No. Rewards points and discounts are tied to your account and cannot be transferred to another person or account. Each household member would need their own Rewards Card to earn and use their own points.
How much can I save with the Rewards Card?
Savings depend on how often you pump at Stewart's and how many points you accumulate. Fuel discounts typically range from a few cents to around 10 cents per gallon. If you pump 10 gallons per week and average a 5-cent discount, you save about $26 per year on fuel alone, plus additional savings on in-store purchases.