How much of a concept of a plan does he have?

“Twelve percent”

Get a Costco membership then get gas at Costco with the Costco Visa. Sure, they know everything about you, but at least it’s a single company and you’re not giving them direct access to your actual bank account.

I drove all the way from Chicagoland to around Pensacola and back, only got gas at Costcos along the way. Saved probably $20 just in price difference between Costco and other nearby stations, while also earning 4% back on the Visa.