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.
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.
The best unsecured gas card for bad credit is the Credit One Bank® Platinum Visa® for Rebuilding Credit because it offers 1% cash back on gas and grocery purchases, as well as 1% back on mobile phone, internet, cable and satellite TV services. On top of that, it also has a decent APR for bad credit, at 23.99% (V). Unsecured gas cards for bad credit are hard to come by. Gas is something that almost everyone buys, so many consumers are attracted to cards with rewards for fueling up. But most … read full answerunsecured cards with gas rewards require good credit or better. While some options exist among secured cards, which require a deposit that is generally equal to your credit line, there aren't many unsecured gas cards that cater to bad credit.
There are a few unsecured gas credit cards that have slightly higher credit score requirements, but offer more gas-oriented rewards. One example is the ExxonMobil Gas Card, which requires fair credit or better and offers some rewards, such as 30¢ per gallon of Synergy fuel for the first 2 months, 6¢ per gallon after that. But if your credit is bad, it's best to stick to cards that advertise bad credit acceptance.
Here are the best unsecured gas cards for bad credit:
Credit One Visa: Bad credit accepted. Annual fee of $75 intro 1st yr, $99 after, with a $300 minimum credit line. 23.99% (V) APR. 1% cash back on gas and grocery purchases, as well as 1% back on mobile phone, internet, cable and satellite TV services. Online pre-qualification available, with no impact on your credit score. Pre-qualification indicates high odds of approval, but it does not guarantee it.
Credit One Bank® NASCAR® Credit Card: Bad credit accepted. Annual fee of $39 - $99. 2% cash back at the NASCAR Shop and 1% back on eligible gas and automotive purchases. 23.99% (V) APR. Online pre-qualification available, with no impact on your credit score. Pre-qualification indicates high odds of approval, but it does not guarantee it.
The best unsecured gas cards for bad credit might not offer too many rewards for fuel purchases. But with bad credit, you should be focused on paying your bill in full and rebuilding your credit. Late fees and finance charges could outweigh any rewards if you don't. And if you pay for the gas on time, that positive information will improve your credit score when it's reported to the credit bureaus. And keep in mind that applying for a credit card can trigger a hard credit inquiry which may temporarily hurt your credit score. The cards above offer pre-qualification, which only triggers a soft pull of your credit history and has no impact on your credit score.
Secured cards can build credit just as well as these unsecured gas cards for bad credit. While they require a refundable security deposit, the best secured credit cards will offer better benefits. This helps you pay for fuel and reap any rewards they might have.
Both of these cards report to credit agencies and can help build your credit while paying for fuel.
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.
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