The best unsecured gas card for bad credit is the Credit One Bank® Visa® Credit Card 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 17.99% - 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 unsecured 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 $0 - $99, with a $300 minimum credit line. 17.99% - 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.
Indigo® Mastercard® for Less than Perfect Credit: Bad accepted. Annual fee between $0 - $99. 24.9% 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.
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