The best gas card to build credit with is the Shell Gas Card because it has a $0 annual fee and it reports to the three major credit bureaus – TransUnion, Experian and Equifax – on a monthly basis. The Shell Gas Card also requires just a fair credit score for approval.
In terms of rewards, the Shell Gas Card helps cardholders save on gas by offering 10 cents off each gallon purchased at Shell locations, up to 20 gallons per fill-up. New cardholders can also earn a rebate of 30 cents per gallon on up to 20 gallons for their first 5 fill-ups. Finally, cardholders get 10% back on their first $1,200 in non-fuel spending at Shell locations each year.
That said, this card can only be used to make Shell purchases. If you can’t qualify for this card or you’d prefer a card that works at all gas stations, you could always consider applying for the Bank of America® Customized Cash Rewards Secured Credit Card instead. This card earns 3% cash back in a category of your choice, and one of those categories is gas.
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.
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.
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