I have not paid fully for an oil change in 15 years. There are four different companies that I know that do them.
Two of them are the same line of fast-service drive up, no appointment shops. Of those, one involves a recorded phone call in advance, and one does not. I prefer the company that does not, which has initials in its name. Their report is also much shorter. They both reimburse $45 for an oil change. Sometimes, extra services are covered if they are offered, such as tire rotation. I have a full synthetic oil vehicle so $45 does not fully cover the cost. However, you are required to use a coupon, and you also can use gift cards to pay. I get gift cards for this specific chain from my warehouse club, $100 worth for $90. I can put a big dent in the cost that way and end up paying maybe $15-20 for a full synthetic job. If your car takes conventional oil and use use the coupon, it should fully cover the cost. My husband's truck takes extra oil and his is usually $54.99 and with an $8-10 coupon I get it down to about $0-3! The coupon link the MS sends you to is for $5 but if you go online and/or register online or in the store, they will start sending you postcards regularly for $10-12 off. I have always used a big coupon or if I didn't have one, asked about it in store and they gave it to me.
It is very true these shops get bonused a lot because you can only go with a specific vehicle every 3 months. That cuts down on how many shoppers are in rotation to do shops. I have taken my Moms car, a friends car etc just to get the bonus pay. You will have a ton of friends if you offer to do that!
The third type of shop is usually a dealer appointment type, which I don't do. The are not the best jobs for me but may be the best for others. I dont want to sit at a dealership a long time. I am also not the best in scheduling these things that far in advance.
The fourth type is much more complicated where you take your car for a service like an oil change. However, before and after, you have to take your vehicle to a secondary ASE certified mechanic. They check before and after some service or repair is done. These pay very high, and reimbursement is high. But I don't have time for all that drama. I also don't want someone monkeying around with my car, 3 times.
Try one, be observant, read the questions all in advance. Timing is important. If you do the recorded phone call, you can listen to it afterwards and pull any info you need out of it. This is a great shop that I have taught many friends to do, as there is no way I could ever do them all or miss out on them.