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Best Gas Credit Cards for Fair Credit
WalletHub makes it easy to find the best gas credit card for fair credit.
The best gas credit cards for fair credit can help people with credit scores in the 640-699 range save money either just at the pump or everywhere they make purchases. Some gas credit cards for fair credit are affiliated with a specific chain of gas stations, while others give rewards on gas at any station.... show more... show more
Best Gas Credit Cards for Fair Credit
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Best Gas Card:
Shell Gas CardLearn MoreLearn More
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Best Gas Card:
Shell Gas CardLearn MoreLearn Moreon issuer's website
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Best Gas Card:
Shell Gas CardLearn MoreLearn More
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Rates & Fees Best Rewards:
Upgrade Cash Rewards Visa®Learn MoreLearn Moreon issuer's website
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Rates & Fees Best Rewards:
Upgrade Cash Rewards Visa®Learn MoreLearn Moreon issuer's website
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Best Rewards:
Upgrade Cash Rewards Visa®Learn MoreLearn More
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Exxon & Mobil Stations:
ExxonMobil Gas CardLearn MoreLearn More
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Exxon & Mobil Stations:
ExxonMobil Gas CardLearn MoreLearn Moreon issuer's website
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Exxon & Mobil Stations:
ExxonMobil Gas CardLearn MoreLearn More
- Best Gas Card:
- Best Rewards:
- Exxon & Mobil Stations:
COMPARE GAS CREDIT CARDS FOR FAIR CREDIT
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- High rewards rate
- Bonus rewards categories
- No foreign fee
- Qualify with fair credit
- Membership fees
- Spending caps on rewards
- High regular APR
- No membership fees
- High rewards rate
- Bonus rewards categories
- No foreign fee
- High regular APR
- No membership fees
- High rewards rate
- Bonus rewards categories
- Qualify with fair credit
- Spending caps on rewards
- High regular APR
- Foreign fee
- Requires security deposit
- No membership fees
- High rewards rate
- Qualify with fair credit
- High regular APR
- No membership fees
- High rewards rate
- Qualify with fair credit
- Spending caps on rewards
- High regular APR
- No membership fees
- High rewards rate
- Qualify with fair credit
- High regular APR
- No membership fees
- High rewards rate
- Qualify with fair credit
- High regular APR
Best Gas Cards for Fair Credit of 2025
The best gas credit card for fair credit is the Shell Gas Card because it has a $0 annual fee and rewards cardholders with 10 ¢ per gallon on gas purchased from Shell stations. The Shell Gas Card also is available to applicants with fair credit or better. You can see how it stacks up against the other top options below.
Best Gas Credit Cards for Fair Credit Comparison
| Credit Card | Best For | Rewards Rate | Annual Fee |
| Shell Gas Card | Gas Card | 10 ¢ per gallon | $0 |
| Upgrade Cash Rewards Visa® | Rewards | 1.5% cash back | $0 |
| ExxonMobil Gas Card | Exxon & Mobil Stations | 10 - 12 ¢ per gallon | $0 |
Methodology for Selecting the Best Gas Credit Cards for Fair Credit
To identify the best gas credit cards for fair credit, WalletHub’s editors start with more than 1,500 credit card offers and exclude those unavailable to people with fair credit as well as cards that do not reward cardholders for gas purchases. Next, we compare the remaining cards’ rewards and fees to find the offers that figure to save the average applicant the most money over two years of regular use. Finally, we factor in usage limitations when making our selections for the best cards by category.
About the author
John Kiernan has covered the credit card industry for more than 10 years as a writer and editor for WalletHub. His work has been featured by major media outlets such as The Washington Post and The New York Times and has been cited by industry regulators such as the Consumer Financial Protection Bureau. Read Full Author Bio
Gas Credit Cards for Fair Credit FAQ
Comparing gas credit cards for fair credit can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered. WalletHub independently collected information for some of the cards on this page.show more
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Searching for answers... No Matching Results
What is the best gas card to build credit with? Reply
One of the best gas cards to build credit with is the Bank of America® Customized Cash Rewards Secured Credit Card. This card offers 6% cash back in a category of your choice, including gas. However, this is a secured credit card, so you’ll need to put down a deposit of at least $200. The card accepts applicants even with bad credit.
Best Gas Credit Cards for Building Credit
| Card | Best for |
| Bank of America® Customized Cash Rewards Secured Credit Card | Rebuilding Credit |
| Gas Station Affiliated | Fair Credit |
| Bank of America® Customized Cash Rewards credit card for Students | Students |
| Shell Gas Card | Gas Station Affiliated |
| PenFed Platinum Rewards Visa Signature® Card | Gas rewards |
If you have at least fair credit, you should consider the Shell Gas Card. This card 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 offers 10 ¢ per gallon every time you fill up. However, this card can only be used at Shell locations throughout the Unites States.
Ultimately, there are a lot of great credit cards for gas on the market. So make sure to check out your options before applying.
What credit score do you need for a gas card? Reply
You’ll need a 700 credit score or higher for most gas cards. This means at least good credit is required for approval. However, you can find good credit cards that earn high rewards from gas purchases for all types of credit.
Best Gas Cards by Credit Requirement
- Excellent Credit:
- Excellent Credit:
- Excellent Credit:
- Rates & Fees Good Credit:
- Rates & Fees Good Credit:
- Good Credit:
- Good Credit:
- Good Credit:
- Good Credit:
- Bad Credit:
- Bad Credit:
- Bad Credit:
- Excellent Credit:
- Good Credit:
- Good Credit:
- Bad Credit:
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...
What are the top gas credit cards for instant approval? Reply
Just about all gas station credit cards offer instant approval (or denial), especially when you apply online, but credit card companies never guarantee an instant decision. You’re most likely to receive instant approval if you apply for one of the easiest gas cards to get.
In general, your chances for instant approval are high if you apply for a card where your credit score exceeds the minimum required. But issuers consider many factors on an application, such as...
What are the best gas credit cards for bad credit? Reply
The best gas credit card for bad credit is the Bank of America® Customized Cash Rewards Secured Credit Card, which gives you 6% cash back in the category of your choice, and gas purchases are eligible. The card has a $0 annual fee, but you need to place a security deposit of at least $200 to open an account.
Gas credit cards for bad credit are hard to come by because fair credit or better is usually required. So, the best choice for you will depend on whether you’re willing...
Featured Credit Cards
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Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub, we try to list as many credit card offers as possible and currently have more than 1,500 offers, but we do not list all available offers or financial service companies.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best credit card picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any issuer, as our editors follow a strict editorial policy.
WalletHub is not a financial advisor. Our goal is to provide you with top-notch content, data, and tools. You are responsible for deciding what financial products and providers are best for your needs.
Irrespective of whether an institution or professional is a paid advertiser, the presence of information on WalletHub does not constitute a referral or endorsement of the institution or professional by us or vice versa.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
* The information about the following cards has been independently collected by WalletHub: Suncoast Credit Union Rewards Classic Starter Credit Card, U.S. Bank Altitude® Go Visa® Secured Card, CITGO Gas Card, Shell Gas Card, ExxonMobil Gas Card, Valero Credit Card, Bank of America® Customized Cash Rewards Secured Credit Card, PenFed Platinum Rewards Visa Signature® Card, Bank of America® Customized Cash Rewards credit card for Students, TD Cash Secured Credit Card, U.S. Bank Cash+® Visa® Secured Card, Truist Enjoy Cash Secured Credit Card, Shell Credit Card, U.S. Bank Altitude® Connect Visa Signature® Card, Citi Custom Cash® Card, and Phillips 66 Credit Card.
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