CITGO Gas Card Reviews: Is It Worth It? (2026)Reviews, rates, fees, and rewards details for The CITGO Gas Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesHigh rewards rateQualify with fair creditHigh regular APR
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
CITGO Gas Card has a rating of 2.6/5 according to our proprietary credit card rating system. This rating reflects how appealing CITGO Gas Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Improve Credit by Paying in Full Each Month'. To break it down further, CITGO Gas Card earned a score of 5.0/5 for Fees, 0.0/5 for Rewards, 3.8/5 for Cost, and 3.0/5 for User Reviews. Info about the CITGO Gas Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.0/5
413 reviewsRead and write reviews
Market Comparison
Market Comparison
2.5
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Improve Credit by Paying in Full Each Month” for this card.
Fees
5.0
Rewards
0.0
Cost
3.8
Other Features
0.0
2.5/5
Compared against 1,500+ credit cards
KEY TERMS
Credit Score
Credit Score
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
34.99%
Balance Transfer
Balance Transfers Not Allowed
Rewards
Earn 30 cents per gallon for the first 60 days from the date account is opened.
Earn 5 cents ($.05) on every gallon after that, in fuel statement credits.
CITGO Gas Card's Additional Info
Pay with your card in store or at-the-pump convenience at over 4,200 CITGO locations.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
User Reviews
3.0
Market Comparison
2.5
fees: 5.0
rewards: 0.0
cost: 3.8
Other Features: 0.0
4.3WalletHub Rating
WalletHub Rating
4.3
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.2
User Reviews
4.1
Market Comparison
4.4
fees: 5.0
rewards: 4.3
cost: 4.6
Other Features: 0.0
3.6WalletHub Rating
WalletHub Rating
3.6
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Gas Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Can't find what you are looking for? Submit your question about CITGO Gas Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
The easiest way to apply for the CITGO Gas Card is online, and you can get to the online application by clicking the “Learn More” button on WalletHub or by going directly to Synchrony's website. Alternatively, you can apply by phone or in person.
Keep in mind that the CITGO Gas Card requires fair credit, which means you need a 640+ credit score for high approval odds. Also note that applying for the card triggers a hard inquiry, which may temporarily hurt your credit score. So, it's good to know what your chances are before applying. You can check your credit score for free here on WalletHub.
Ways to Apply for the CITGO Gas Card
Online: Applying online is the fastest and most straightforward way. You can do that by clicking “Learn More” on sites like WalletHub or through Synchrony's website. You will then need to fill in your personal and financial information.
By Phone: Call 1 (800) 462-4846 and follow the prompts to get connected with a customer service representative. You will then be guided through the application process.
In Person: Visit a local Synchrony branch and let a representative know that you would like to apply for the CITGO Gas Card. Then, fill out the application with your personal and financial info.
How to Apply for the CITGO Gas Card Online
Go to the application page on Synchrony's website or click the “Apply Now” button on sites like WalletHub to be taken there.
Read over the terms and conditions of the card to make sure you understand how the card works before you apply.
Fill in the requested personal information such as your name, address, phone number, SSN or ITIN, and date of birth.
Fill in the requested financial information such as your income, sources of income, employment status and housing status.
Authorize Synchrony to do a hard pull of your credit report, which will help them evaluate if you are qualified to get the card.
Double check to make sure the application is complete and all the information is accurate.
Submit the application.
Once you've submitted your CITGO Gas Card application, you may receive a decision right away. However, it can take Synchrony up to 30 days to reach a decision. If approved, you'll get your new card in the mail within 7-10 business days.
Yes, you can purchase store items with your CITGO Gas Card from CITGO locations. You can't use it at other stores, but you can use it to buy anything from the CITGO convenience store, as long as your limit allows it.
The card can also be used at over 1,000,000 auto merchant locations nationwide, where Synchrony Car Care is accepted. You can buy things like tires, car parts, or pay for car repairs or maintenance. Check...
You can ask for a CITGO Gas Card PIN by calling customer service at 877-295-2080.
Keep in mind, cash advances are very costly. For each one that you make with this particular card, you will be charged a fee equal to 5% of the amount of the transaction (minimum of $10), and interest will immediately begin to accrue at a 29.99% rate. You can learn more here about cash advances here.
Unfortunately not. You will only be able to use your CITGO card at CITGO-branded locations. To find your nearest CITGO, please visit: https://www.citgo.com/Locator/StoreLocator.jsp . Best of luck!
You can check your CITGO Gas Card application status by calling 1 (866) 419-4096. When you call, listen to the automated menu and press the key to check your status, then verify your identity so Synchrony Bank can match you to your application. You unfortunately cannot check your CITGO Gas Card application status online.
How to Check Your CITGO Gas Card Application Status
The CITGO Gas Card cash advance fee is 5% (min $10) per transaction, whichever is higher. A cash advance fee is charged when using the CITGO Gas Card for cash withdrawals at an ATM.
Keep in mind that when you get a cash advance, there will be other costs in addition to the CITGO Gas Card cash advance fee, including an expensive cash advance APR that applies immediately after you complete the transaction. Plus, the ATM owner may impose additional charges, depending...
Share your insights and review for the CITGO Gas Card
5
20%
4
18%
3
13%
2
38%
1
10%
3.0
413 reviews
413 reviews
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Damon S @dstepp1426
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1 Star Rating
Verified Customer
Card is great for non-Citgo purchases at tire shops and repair centers. Otherwise, the card is horrible! They closed my account for inactivity with no warning after 7 years. Don't get the card; it's not worth the hassle at a 29.99% interest rate.
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Ron Sweeten @rsweeten
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1 Star Rating
My Citgo Awards card is good till 2020 and I still have a good amount available. I\'ve had it since 2017 and I used it last week but today I handed the attendant my card and he said that these cards are no longer being accepted by any Citgo gas stations any more and that they are now separate, so I did not get my gas even though they still had the Citgo sign. I called the Synchrony bank and they had no Idea as to why they are not accepting these cards.
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1
jerryzanercik @jerryzanercik
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1 Star Rating
Verified Customer
Citgo gas card is one of the worst gas cards you can have! If you want a Great ⛽ card get a Mobil Chevron,Exxon or a Shell credit card! Don\'t get a Citgo credit card. I had friends who wanted to get a Citgo credit card and I told them don\'t. They were glad they listened to me.
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3
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Sadi P @sadiquap
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2 Star Rating
Had a $300 limit, i use it once a week or so, or when im low on cash for gas. Always pay off the whole balance. I look today and my limit is dropped to $70. Never had a late payment. Never maxed it out. Never used more than maybe $20 at a time. I also dont know why i bothered with the card to start because there arent any near me. Just was glad i had a synchrony approved card but ill be closing it asap.
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bettys_89 @bettys_89
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2 Star Rating
Verified Customer
The Citgo gas card is new to me, but i have had to call their customer service team about my account and they are some of the nastest people i have ever talk to. They talk to customers like we are nothing, They act as though we are bothering them for calling. At this point the gas card its self seems fair but not the best or not the worst either. At this point i will keep it for a while and avoid calling customers service for anything..Hoping that the bank demands higher quality customer service soon.
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0
0
Robert Cunningham @robertc249
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2 Star Rating
So far, I haven't been able to access the card online. I buy gas every day, so getting $.10 is worth it, if just for the first three months. At the end of the week I send a payment. Of course I had to call CS to get any kind of mailing address. Sure hope it's the right one.
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Jim Seknevich @jims12
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1 Star Rating
Do not use or apply for this credit card . There are too many holes for fraud . If you like to give away money , there are better place to do it .
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1
Andre Figueroa @andre_figueroa_182
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2 Star Rating
This card is questionable. The CITGO gas card seems to have a few flaws with it compared to some of the more accessible ones out there. The main draw to it is the high APR compared to many other cards on the market. There is also little incentive to try this card, with the lack of initial reward bonuses or some form of special intro rate, which could be overlooked if the CITGO Gas Card had more going for it. The minor bonus of .05cents a gallon isn't too bad, but most of this card has lower end draws compared to other gas cards and other credit cards in general. With the little this card has to offer for people of any money range, I couldn't honestly think of a reason to get it.
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Edward David @edward_david
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2 Star Rating
CITGO Gas Card has the 5 cents per gallon which is alright and pretty decent for a gas card. If you shop with citgo, i guess thats pretty good but the big downfall is the steep APR. 25% is like the upper limit for every other credit card out there, but this is just the only APR. Thats really high and pretty much makes you wonder, if you use this card for the money back, are you actually saving with that high of an APR? Citgo definitely needs to get a card with a lower APR in this day and age to make their card worth it.
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stephen blackwell @vexco
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2 Star Rating
The main draw of the Citgo Gas Card would be the .05 per gallon that you earn in rewards but that's a lower reward than competing gas companies or stations offer. The incredibly high APR sits at 24.99% and should rightfully scare away most people from getting this card. There is no introductory rate to off-set the high APR, either, so it's 24.99% from the very first time you use it. If, for some reason, you prefer Citgo gas stations to all others then by all means apply for it, but there is no other reason to even consider this card when making your decision. I wouldn't recommend this to anyone in my family or even people that I don't like, most likely.
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* The information about the following cards has been independently collected by WalletHub: Shell Credit Card, BP Credit Card, ExxonMobil Gas Card, Chevron and Texaco Credit Card, and CITGO Gas Card.
