The best gas station 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, these gas station cards can only be used at the gas station chains they’re affiliated with. If you want a gas rewards card that can be used at any station, check out our editors’ picks for the best gas credit cards overall.
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.
There are also gas cards that are affiliated with a gas station but can be used anywhere, such as the Shell Credit Card. This type of cards also require good credit or better.
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 Bank of America® Customized Cash Rewards Secured Credit Card. It offers 3% cash back in a category of your choice, 2% back at grocery stores and wholesale clubs (up to $2,500 spent quarterly in the 3% and 2% categories combined), and 1% back on all other purchases. And you can choose gas as your category for the supplemented 3% cash back rate.
One of the best easy approval gas credit cards is the Discover it® Secured Credit Card. It’s easy to get approved for this card even if you have bad credit, and you will enjoy a $0 annual fee as well as 2% cash back on up to $1,000 spent at gas stations and restaurants (combined) each quarter. There are no restrictions on what gas stations are eligible for rewards, so it’s one of the most flexible options.… read full answer
The Discover it Secured Credit Card isn’t the only gas rewards card that’s easy to get. But most other offers require fair credit or better.
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.
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. 37¢ per gallon in fuel credits for the first 90 days. After that, 3¢ per gallon on Regular or Diesel, 6¢ on PLUS and 8¢ on Supreme/Premium through 3/31/2023 (3¢ on all fuel thereafter). You can get this card with fair credit.
ExxonMobil Gas Card: $0 annual fee. 30¢ per gallon of all types of Synergy fuel for the first 2 months, plus 12¢ per gallon of premium fuel or 10¢ per gallon of other fuel grades 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. 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.
One of the best credit cards for gas purchases only is the Shell Gas Card. This card offers 10 ¢ per gallon. Plus, it comes with a $0 annual fee.
It is worth noting that these credit cards can only be used at the gas stations they’re affiliated with. But they’re still worth applying for if you frequently use a certain gas station, as you’ll generally receive discounts on fuel in exchange.… read full answer
Some of the Best Credit Cards for Gas Purchases Only
Keep in mind that you can usually use these cards inside the gas station as well, so they are not exclusively for gas purchases. You just can’t use them anywhere else.
Some of these specialized store credit cards also have counterpart Visa or Mastercard credit cards that are accepted everywhere – not just at gas stations. Some of their applications will actually consider you for the Visa or Mastercard version first– such as the Chevron and Texaco Gas Card. So, be sure to read the fine print before you apply.
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