The best gas credit card for fair credit is the Shell Gas Card because it has a $0 annual fee and offers a discount of 10 ¢ per gallon (up to 20 gallons) every time you fill up at Shell. To sweeten the deal, there’s 10% in Shell rebates on $1,200 in non-fuel Shell purchases per year.
There are several other gas-station credit cards available to people with fair credit, too. Like store cards tied to major retailers, gas-station cards can only be used at the gas-station chains they’re affiliated with. A general-purpose rewards credit card for fair credit could also be an option, depending on your creditworthiness and the available offers.
When you have fair credit, finding a good credit card to use for gas purchases is one thing. Putting yourself on the path to better deals in the future is another. To make the most of any credit card, you need to pay the bill on time every month.
If you have fair credit, your gas credit card options are limited. The Shell Gas Card and other gas cards for people with fair credit can only be used to purchase fuel and other items at affiliated gas stations. You need good credit to get most other gas rewards credit cards.
You’ll need a 640 credit score or higher for most gas cards. That’s fair credit or better. At this credit level, you may qualify for gas cards from specific stations such Phillips 66 or ExxonMobil. These can only be used to make purchases at the affiliated gas stations. Good or excellent credit (700-750 score) is required to get gas rewards credit cards like Blue Cash Preferred from American Express, which offer extra cash back on all gas purchases. There are also gas cards that are co-branded with a gas station but can be used anywhere, such as the Shell Credit Card, that require good credit.… read full answer
If you have less than fair credit, consider getting a secured credit card to pay for your gas purchases. The odds of approval are higher because you’ll have to put up a security deposit to set your credit limit. The deposit is fully refundable when you close the account without an outstanding balance. In addition, secured cards work like regular credit cards, which means you can use them anywhere credit cards are accepted. An ideal secured card for gas purchases is the Discover it Secured Card. It offers 2% cash back up to $1,000 spent in combined purchases every quarter at gas stations and restaurants. It doubles what you earn the first year too.
One of the best easy approval gas credit cards is the Discover it® Secured Credit Card. Because it’s secured, bad credit won’t disqualify you. Plus, it has a $0 annual fee and gives you 2% cash back on up to $1,000 you spend at gas stations and restaurants (combined) each quarter. And since it’s a cash back card with no restrictions on what gas stations are eligible for rewards earning, it’s one of the most flexible options.… read full answer
Discover it Secured Credit Card isn’t the only gas rewards card that’s easy to get. But most other offers require a bit better credit.
Here are some of the best easy approval gas credit cards:
Discover it® Secured Credit Card: $0 annual fee. 2% cash back at gas stations and restaurants, up to $1,000 spent each quarter combined. 1% cash back everywhere else. First-year rewards match. $200 minimum refundable security deposit. You can get this card with bad credit/limited credit.
Walmart® Store Card: $0 annual fee. 2 points per $1 (2% cash back) at Walmart & Murphy USA Fuel Stations. You need fair credit or better.
Shell Gas Card: $0 annual fee. 10 ¢ per gallon discount at Shell gas stations. You can get this card with fair credit.
Chevron and Texaco Gas Card: $0 annual fee. 30¢ per gallon in fuel credits for the first 90 days. After that, 3¢ per gallon on Regular or Diesel, 5¢ on PLUS and 7¢ on Supreme/Premium through 9/30/2021 (3¢ on all fuel thereafter). You can get this card with fair credit.
ExxonMobil Gas Card: $0 annual fee. 30¢ per gallon of Synergy fuel for the first 2 months, 6¢ per gallon after that at over 11,000 Exxon and Mobil stations. This card requires fair credit.
Discover it® Student chrome: $0 annual fee. 2% cash back at gas stations and restaurants, up to $1,000 spent per quarter in those categories combined. 1% on all other purchases. Discover matches the cash back you earn year one. $20 statement credit each year your GPA is 3.0 or higher (up to 5 years). Students with limited credit or better can get this card.
The best easy approval gas card for you will depend on where you fill up and how good your credit is. But no matter what card you get, make sure to pay your bill on time every month. That will help you build credit and qualify for one of the best gas rewards credit cards.
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