The best unsecured gas card for bad credit is the Fortiva® Mastercard® Credit Card because it offers 3% cash back on eligible gas, grocery, and utility purchases or payments, as well as 1% cash back on all other purchases. On top of that, this card comes with a decent credit limit of up to $1,000 and $0 one-time fees, unlike some unsecured credit cards for bad credit.
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, there aren’t many unsecured gas cards that cater to bad credit.
The best unsecured gas cards for bad credit might not offer too many rewards for fuel purchases, either. 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 pay your bill on time. But if you use your card responsibly, that positive information will improve your credit score when it’s reported to the credit bureaus.
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.
The best gas credit card for bad credit is the Bank of America® Customized Cash Rewards Secured Credit Card, which gives cardholders 3% cash back in the category of their choice, including gas. Bank of America Custom Cash Secured Card has a $0 annual fee, but you need to place a security deposit of at least $200.
Here are the best gas credit cards for bad credit:
Bank of America® Customized Cash Rewards Secured Credit Card: Get 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. One of the categories you can choose from is gas. A $200+ security deposit is required, and your credit limit will equal the amount you put down. There is a $0 annual fee. Open to applicants with bad credit.
Capital One Quicksilver Secured Cash Rewards Credit Card: Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, as well as 1.5% cash back on all other purchases, including gas. $200+ deposit required. $0 annual fee. Open to applicants with bad credit.
Credit One Bank® Platinum Visa® for Rebuilding Credit: You’ll earn 1% cash back on gas and grocery purchases, as well as 1% back on mobile phone, internet, cable and satellite TV services. The annual fee is $75 intro 1st yr, $99 after. Credit One may apply the annual fee as equal charges each month. Open to applicants with bad credit.
Harley-Davidson® Secured Credit Card: Earn 1 point per $1 spent on all purchases. So if you want to put your gas spending toward Harley savings, all while building credit, then this is your card. You’ll need a $300 minimum deposit, and the card has a $0 annual fee. Open to applicants with bad credit.
The biggest things to watch out for on these gas credit cards for bad credit are high interest rates and annual fees. That’s just the price of bad credit. But you can minimize the cost, and your credit can get better by paying on time and in full each month.
Gas cards can be a great way to build credit history since they are easy to get approved for. Plus, the best part of a routine purchase like gas is that you can pump your credit report full of on-time payments. Once you improve your credit score, feel free to also take a look at some of the best gas credit cards on the market.
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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