Abstract: The present disclosure provides a method of selling fuel where the seller receives a membership fee from a fuel purchaser in exchange for the right to purchase discounted fuel in the future. Next, the seller receives a fuel fee from the fuel purchaser in exchange for the right to purchase a specified market value of fuel wherein the market value of the fuel is greater than the fuel fee. The seller then issues the fuel purchaser with a card that allows the fuel purchaser to purchase the amount of fuel having the market value greater than the fuel fee wherein the card is limited to usage only at locations that sell fuel but verifiable over a credit/debit card network not limited to fuel purchases.