How can I get a gas card? This question is about Gas Credit Cards

The first step in getting a gas card is to check your credit score. This will tell you what types of gas cards you are likely to qualify for. People with good or excellent credit can pick from the best overall credit cards with gas rewards, including cards that are affiliated with a particular network (Visa, Mastercard, or American Express, for instance). People with lower credit scores may be limited to gas cards that work only at one chain of gas stations. Once you’ve narrowed down your list of possibilities, you can compare their rewards and fees to find the best deal. When you find the right gas card for you, you can apply for it online, over the phone, or via mail, depending on the card. You can usually apply at the gas station, too. Here’s how to get a gas card: Check your credit score. Your score will give you a general idea of which gas cards offer high odds of approval. Consider committing to a specific gas-station chain. If you’re loyal to a particular brand, using that gas station’s credit card could provide extra savings. Compare cards based on estimated earnings. Calculate how much each card would save you, based on the rewards it provides on the types of purchases you plan to make. You should also take into consideration the fees you’re likely to incur. Apply. You can usually apply online, by phone, or via mail. In some cases, you can apply inside the gas station. It’s important to take personal preference into account when shopping for a gas card. For instance, if you’re loyal to a certain gas station, make sure to apply for a card affiliated with that particular chain. Taking these factors into consideration will help you find the right type of gas card for your needs. Gas credit cards partnered with a certain chain can be used anywhere if they are on one of the major credit card networks. But they will only provide maximum rewards on fuel purchases at the affiliated gas stations. Many gas stations also offer cards that are not on a major network and can only be used at chain they’re affiliated with. Plus, plenty of credit cards that are not tied to any gas station chain still offer good rewards on gas, too.

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How can I get a gas card?

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This question is about Gas Credit Cards

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@WalletHub • 12/09/22 This answer was first published on 01/31/19 and it was last updated on 12/09/22.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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The first step in getting a gas card is to check your credit score. This will tell you what types of gas cards you are likely to qualify for. People with good or excellent credit can pick from the best overall credit cards with gas rewards, including cards that are affiliated with a particular network (Visa, Mastercard, or American Express, for instance). People with lower credit scores may be limited to gas cards that work only at one chain of gas stations.

Once you’ve narrowed down your list of possibilities, you can compare their rewards and fees to find the best deal. When you find the right gas card for you, you can apply for it online, over the phone, or via mail, depending on the card. You can usually apply at the gas station, too.

Here’s how to get a gas card:

Check your credit score. Your score will give you a general idea of which gas cards offer high odds of approval.
Consider committing to a specific gas-station chain. If you’re loyal to a particular brand, using that gas station’s credit card could provide extra savings.
Compare cards based on estimated earnings. Calculate how much each card would save you, based on the rewards it provides on the types of purchases you plan to make. You should also take into consideration the fees you’re likely to incur.
Apply. You can usually apply online, by phone, or via mail. In some cases, you can apply inside the gas station.

It’s important to take personal preference into account when shopping for a gas card. For instance, if you’re loyal to a certain gas station, make sure to apply for a card affiliated with that particular chain. Taking these factors into consideration will help you find the right type of gas card for your needs.

Gas credit cards partnered with a certain chain can be used anywhere if they are on one of the major credit card networks. But they will only provide maximum rewards on fuel purchases at the affiliated gas stations. Many gas stations also offer cards that are not on a major network and can only be used at chain they’re affiliated with. Plus, plenty of credit cards that are not tied to any gas station chain still offer good rewards on gas, too.

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Do gas cards report to credit bureaus?

Gas cards report to one or more of the big three credit bureaus on a monthly basis, just like any other major credit card. That’s true whether you have a gas card that only works for buying gas at a particular chain of stations or a card that’s accepted wherever Visa, Mastercard, American Express or Discover is. The first type is basically just a gas-station version of a store credit card. And using a store card is a great way to build credit.… read full answer

Not all cards you might use to pay for gas report to credit bureaus, though. Prepaid cards and debit cards do not report, for instance. But if you have a credit card, you should see it listed on your credit report. You can check your latest credit report for free on WalletHub to see for yourself. And if you pay your bill on time every month, your credit score will gradually improve.

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What credit score do you need for a gas card?

You’ll need a 640 credit score or higher for most gas cards. This means at least fair credit is required for approval.

Gas Cards Credit Score Requirements

If you have fair credit, you may qualify for gas cards from specific stations such as the Phillips 66 Credit Card or the ExxonMobil Gas Card. These can only be used to make purchases at the affiliated gas stations. … read full answer

Good credit or better (a score of 700+) is required to get most gas rewards credit cards. A decent credit card example for Good credit is the Blue Cash Preferred® Card from American Express, which offers extra cash back on all gas purchases made at U.S. gas stations.

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.

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What are the best easy approval gas credit cards?

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.

Best Gas Credit Cards

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.

Credit One Bank® Platinum Visa® for Rebuilding Credit: Annual fee of $75 intro 1st yr, $99 after. 1% cash back on eligible gas and certain other categories. You can get this card with bad credit.

Capital One Walmart Rewards® Mastercard®: $0 annual fee. 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. 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.

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