Frequently Asked Questions 

About SmartRewards 

  • SmartRewards is the name of the base loyalty program as well as the app itself, where all users can earn points, redeem rewards and access special offers. 

  • Under SmartRewards there is a member component called SmartPay RewardsSM. Any customer that links their banking information (ACH) is a SmartPay RewardsSM Member (“SmartPay Member”). You then receive a 10 cents off/gallon discount whenever you pay with your checking account (ACH) as your method of payment in the app or with a SmartPay card. Customers who pay with another payment method (e.g., credit/debit cards) receive no everyday fuel discount.

  • We listened to customer feedback and are excited to offer our customers more convenience and choice with SmartRewards. Our rewards program is designed to reward you at both the pump and the store!  

  • We hope you will find the new program to be more flexible and easier to understand and use.  Our old program just provided a free coffee or fountain beverage after 80 gallons of fuel purchased. Going forward, SmartRewards customers will earn 1 point for every gallon of fuel purchased, and 1 point for every dollar spent on products inside the store (special exceptions apply).  With SmartRewards, every 25 points turns into a $1 dollar reward, which can be applied to fuel or in-store purchases. Plus, you can take advantage of additional perks like welcome rewards, bonus points, and birthday surprises to help you save even more on your favorite products! 

  • Earn points with qualifying in-store or fuel purchases any time you pay with the SmartRewards app. Additionally, on in-store purchases, you can scan your in-app Rewards # barcode before you pay at the register. In some of our stores, you can enter your phone number on the pin pad at the register to earn points as well. 

  • No, your existing progress to the previous 80-gallon goal will be retired. If you are an app user with gallon progress who has made a purchase with SmartPay in the last 90 days, you will be eligible for a free beverage reward as part of the transition to SmartRewards. We will notify you via email and push notification when this reward is available to redeem in the “Your Offers” section of your SmartRewards app.  

  • Our Frequency Clubs like Fountain/Frozen, Breakfast Sandwich, Pizza Slices, and 5hr Energy – have retired in favor of the new rewards program. If you are an app user with Clubs progress who has made a purchase with SmartPay between 3/19/24 and 6/16/24, you will be eligible for a free reward as part of the transition to SmartRewards. We will notify you via email and push notification when this reward is available to redeem in the “Your Offers” section of your SmartRewards app.  

  • Yes. If you have provided us with your birth date, you will receive a birthday surprise. Be on the lookout for email and push notifications, and check the Rewards section of your app. You will have 7 days to redeem your birthday gift.  

  • Yes, you can still use your old SmartPay Rewards card to apply your everyday fuel discount, as long as your checking account is still linked. To earn points, redeem rewards and apply offers, you'll need to use the SmartRewards mobile app.  

  • No. The SmartPay account-sharing function will be retired with the launch of the new SmartRewards program. Customers can sign up for individual accounts by searching for "SmartRewards" in the Apple App Store (iOS) or Google Play Store (Android). Download and install the app on your smartphone. After opening the SmartRewards app, select “Sign Up.” Follow the on-screen instructions. You'll be asked to provide basic information, such as your phone number, email address, and a password to create your account. 

  • Yes, the security of your data is especially important to us. To protect your account information and keep it secure, we require that you enter a password (or if you’ve enabled facial or fingerprint recognition on your device) every time you use SmartRewards. In addition, we do not resell your information to any additional third parties. See our privacy policy for more details. 

Using SmartRewards 

  • You can use SmartRewards at the following participating convenience store locations – Cumberland Farms, Certified Oil, Fastrac, Turkey Hill, select QuikStop locations, and select Minit Mart locations! SmartRewards will be available in more locations and at other brands within our portfolio in the near future  

  • Yes, once you have added a method of payment to the SmartRewards app, you can use the app to pay in the store! To pay using the app, tap “My Wallet” and show the “Pay with App” barcode to the cashier. 

  • Points may take up to 48 hours to show up in your SmartRewards account.  If you still do not see your points after 48 hours (and you used the app to pay or scan your Rewards #), please contact Customer Service at 1-800-225-9702. Remember that some purchases (including, but not limited to, tobacco, alcohol, lottery, and gift cards) also do not qualify toward your points progress. See the SmartRewards  terms and conditions for details.  

  • Once your points are automatically converted to a reward, you can redeem your reward using the SmartRewards app within 30 days. Tap on “My Wallet” or “Fuel Up” in the app. Click the checkbox to apply our reward(s). Then scan your rewards # barcode. Exclusions apply. 

  • Unfortunately, the process of applying a reward is not reversible. The selected reward will be marked as redeemed once you click the checkbox and cannot be re-added to your account.  

  • Purchases of alcoholic beverages, cigarettes and tobacco products, milk, lottery, postage stamps, financial cards, gift cards or money orders are not eligible to earn points. Rewards can also not be redeemed against these products, along with prepaid fuel purchased in store.  

  • Once your points balance hits 25 points, a $1 reward is automatically added to your account. You have 30 days to redeem the reward before it expires and is forfeited. 

  • Points will expire one year (365 days) after being earned.  For example, if you earn 3 points for a purchase on June 5, 2024, and do not make enough purchases over the next year to reach 25 points and earnthe $1 reward, 3 points will expire on June 5, 2025.   If your SmartRewards account is cancelled or terminated, any existing points or rewards will also expire. Creating a new account won't restore these points or rewards 

  • Your earned $ rewards can be found by clicking on the “Rewards” icon on your app home screen. They will also be visible when you click the “My Wallet” icon to complete a transaction. 

  • In the “Rewards” section of the app, your “Lifetime Fuel Savings” will show you how much you have saved on fuel since becoming a SmartRewards customer! 

  • No, you don’t need a physical card! The app itself acts as your digital loyalty card and can also serve as a payment method. 

  • Yes, you can combine your earned $ rewards with an in-store offer. Additionally, earned rewards may be applied to fuel purchases (with the exception of prepaid fuel purchased in-store) on top of a fuel offer or the fuel discount from linking a checking account. Just note that you cannot use a reward against a 21+ offer or purchase. 

  • Customers can continue to take advantage of in-store tobacco offers by entering their phone number and/or Alt ID at the pin pad before they scan the in-app Rewards # barcode within “My Wallet” 

  • Select “Fuel up” from the bottom navigation. You’ll be prompted to confirm your location, pump number and payment. Then, the pump will be ready to start fueling. 

  • Select “My Wallet” from the bottom navigation. You’ll see your unique Rewards # barcode to scan at the register. You can also add or edit your payment method before paying.  

  • You can combine your SmartPay Member discount of 10¢ off per gallon with most special fuel discounts in the “Your Offers” section of the app. For instance, when you buy specific products in store based on our limited time promotions, you may receive an extra 10¢/gallon for a total of 20¢/gallon off your next fuel purchase. There are some exceptions. The Welcome Reward for 20¢ off per gallon for up to 5 fill-ups is not combinable with other fuel discounts.  

  • You cannot combine SmartRewards tobacco offers with other tobacco loyalty programs. When purchasing in store, our team members can help assist you to ensure you apply the discount with the greatest savings. 


Setting Up Your Account 

  • Search for "SmartRewards" in the Apple App Store (iOS) or Google Play Store (Android). Download and install the app on your smartphone. After opening the SmartRewards app, select “Sign Up.” Follow the on-screen instructions. You'll be asked to provide basic information, such as your phone number, email address, and a password to create your account. 

  • Your email address becomes your login to manage your account. An email address is also needed to make updates to your account information and to provide the ability for you to review your transactions. It is also necessary to retrieve and/or change your password. 

  • Your phone number can be used at the pin pad at the register to earn points. To ensure your security, we also confirm your phone number with two-factor authentication. In the enrollment process, you’ll receive a text message with a number to verify your account. 

  • Your SmartRewards account will activate as soon as you enter your mobile number, email address, and password.  

    If you are linking your checking account as a method of payment, the information that you provide could undergo a validation process from our partner, ZipLine. This process could take up to three business days. You will be notified of your SmartPay Rewards account status and program details through email messages. 

Managing Your Account 

  • To reset your password, go to “Profile” from the main menu in the top right of your SmartRewards app. Then click on “Update Password” and follow the instructions on the screen.  

  • To reset your PIN, please visit Or you can call ZipLine at 1-800-210-1265 and follow the below instructions.  

    1. Select option 1 for “PIN ISSUES” 
    1. After listening to the first prompt, select option 2 for “Changing your PIN Number” 
    1. Send a verification code to your email by selecting option 1 (it is not recommended to use text, as there will be a delay)  
    1. Enter the 6-digit verification code 
    1. Enter the last 4 digits of the card number you want to change  
    1. Confirm the card number 
    1. Change your PIN number and confirm the new PIN number 
    1. For security purposes, it will ask to verify the last 4 digits of your social security number 
    1. The call will then disconnect, and it will take ZipLine 24 hours to process the request before the app will work in stores 


  • Your purchase history is available on the app by navigating to Purchase History from the main menu in the top right of your SmartRewards app. 

  • From the top right navigation of your SmartRewards app, select “Payment Methods.” Select "Add Credit/Debit Card.” Enter your card information: This includes your card number, expiration date, CVV code, and billing address. Review the information and tap "Save" or "Add Card.” You can also add a credit/debit card before you confirm payment at the pump or in-store. You cannotedit an existing payment method, however. Instead, delete the existing card information and then click “Add” to enter the updated information.  

  • You can add a checking account in the app. From the top right navigation, select “Payment Methods.” Select “Add a bank account” and follow the instructions. To change your checking account information, please log into or call ZipLine customer service at 1-800-210-1265. 

  • ZipLine validates your enrolled bank account information to ensure that we have the correct account number. We do so by submitting a small deposit and withdrawal to your bank account. These “challenge transactions” are a test to confirm the validity of the account. You can validate these amounts by visiting and clicking “Verify My Account.” The enrolled SmartPay account is not activated until this bank verification process is completed.  

  • No, it’s not possible to have multiple SmartPay Member accounts set up that link to the same checking account. You must link to a unique bank account.  

  • If you are a SmartPay Member with a linked checking account, the limits for use of your account are as follows: up to 7 transactions per day, $150 per day, 35 transactions per week, and $500 per week. 

  • You can change some personal information in the SmartRewards app, by navigating to the “Profile” section via the main menu in the top right. However, some information like your name needs to match your payment information. 

    If you have a linked checking account, please log into or call ZipLine customer service at 1-800-210-1265. 

  • You may cancel your enrollment in the SmartRewards program at any time. You can do so in the app by navigating to the “Profile” section via the main menu. Below your listed profile information, click “Cancel Account.” Or you can call Customer Service at 1-800-225-9702. When you cancel your account, your existing points and rewards will be forfeited. 

    You may also uninstall the SmartRewards app from your phone at any time, but this will not cancel your account.