Phillips 66 Credit Card Reviews: Is It Worth It? (2025)Reviews, rates, fees, and rewards details for The Phillips 66 Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesHigh rewards rateQualify with fair creditHigh regular APRDeferred interest
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.
The Phillips 66 Credit Card is worth considering if your credit score is 640 or higher, you like to get gas at Phillips 66 or its sister stations Conoco and 76, and you don’t mind using their Fuel Forward app when you fill up. This card doesn’t charge an annual fee, and you can earn 3 ¢ per gallon with every $1 spent. Info about the Phillips 66 Credit 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
4.3/5
183 reviewsRead and write reviews
Editor’s Review
2.8/5
John Kiernan, Credit Card EditorRead full review
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
3.6
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
0% intro APR for 6 months, 34.99% APR after that
Balance Transfer
Balance Transfers Not Allowed
Rewards
Earn 15¢ per gallon (up to 30 gallons) in rewards for first time users until 12/31/2025.
Earn 10¢ per gallon in rewards (up to 30 gallons) of each transaction when you pay using your card in the Fuel Forward app until 12/31/2025.
Earn 3¢ per gallon in rewards on every transaction when you swipe your card to pay.
Phillips 66 Credit Card's Additional Info
Nationwide Acceptance at thousands of Phillips 66®, Conoco® and 76® locations
Use your card at over 1 million auto merchants nationwide including parts, repair, services and more.
Deferred Interest Details: No interest if paid in full within 6 months on purchases of $199 or more.
The Phillips 66 Credit Card is worth considering if your credit score is 640 or higher, you like to get gas at Phillips 66 or its sister stations Conoco and 76, and you don’t mind using their Fuel Forward app when you fill up. This card doesn’t charge an annual fee, and you can earn 3 ¢ per gallon with every $1 spent.
In addition to affiliated gas stations, the Phillips 66 Credit Card can be used with over 1 million auto merchants that belong to the Synchrony Car Care network. It even offers a 0% financing promotion to go along with its rewards on purchases. However, this promotion uses a potentially costly feature called deferred interest, and the card’s regular APR is very high.
You should also note that the card’s rewards aren’t guaranteed to be great forever. Its highest earning rates are currently available only for a limited time. You may want to consider other options as a result, and our editors’ picks for the best gas rewards credit cards are a good place to start.
Note: This review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.
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.
Editor’s Rating
2.8
User Reviews
4.3
Market Comparison
2.5
fees: 5.0
rewards: 0.0
cost: 3.6
Other Features: 0.0
3.9WalletHub Rating
WalletHub Rating
3.9
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 "Finance New Purchases." 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
3.9
User Reviews
3.8
Market Comparison
3.9
fees: 5.0
rewards: 3.3
cost: 3.8
APR: 3.9
4.1WalletHub Rating
WalletHub Rating
4.1
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
4.0
User Reviews
3.8
Market Comparison
4.1
fees: 1.3
rewards: 4.8
cost: 4.9
Other Features: 0.0
(183)
(1,716)
(484)
annual fee$0
annual fee$0
annual fee$325
Purchase Intro APR0% for 6 months
Purchase Intro APR0% for 15 months
Purchase Intro APRNot Offered
transfer intro aprNot Offered
transfer intro apr0% for 15 months|Transfer Fee:3% intro balance, up to 5% fee on future balance transfers (see terms)*
transfer intro aprNot Offered
Regular APR34.99%
Regular APR18.24% - 27.24% Variable
Regular APRSee Pay Over Time APR
rewards rate 3 ¢ / gallon
rewards rate 1 - 5% Cash Back
rewards rate 1 - 4 points / $1
bonus offerNone
bonus offerNone
bonus offer As High As 100,000 points. Find Out Your Offer.
Can't find what you are looking for? Submit your question about Phillips 66 Credit 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.
No, you cannot use your Phillips 66 Credit Card everywhere you want. You can use it for purchases at thousands of Phillips 66®, Conoco® and 76® locations. The Phillips 66 Credit Card is a store card, which means that it is not backed by any major credit card network and only works at affiliated locations.
Where You Can Use Your Phillips 66 Credit Card
Phillips 66® locations
Conoco® locations
76® locations
Even though store credit cards have limited acceptance, they can still be a good deal for brand-loyal customers. The Phillips 66 Credit Card offers account holders 3 ¢ per gallon. This card also has a $0 annual fee. So, it might be worth getting for people who shop at Phillips 66®, Conoco®, and 76® often.
To report a lost Phillips 66 Credit Card, immediately call Synchrony Bank customer service. Synchrony Bank will cancel the lost card and send a replacement card after verifying your identity over the phone.
How to Report a Lost Phillips 66 Credit Card
Call Synchrony Bank customer service.
Choose the option to report a lost or stolen card from the menu.
Verify your identity once you're connected to a representative by providing any requested information, such as...
To cancel a Phillips 66 Credit Card, call customer service at 1 (855) 513-1176 and ask a customer service rep to cancel your card account. You should also note that there's no fee associated with canceling your card.
Be aware that if there's a balance remaining on the canceled account, you are still required to make at least the minimum payment every month until the balance is paid in full. You will also need to update the payment method...
To get a Phillips 66 Credit Card PIN, call the number on the back of your Phillips 66 Credit Card and ask customer service for a PIN. You will likely need to wait for the PIN to arrive via email, text, or mail.
Best Way to Get a Phillips 66 Credit Card PIN
Call Synchrony Bank customer service at 1 (855) 513-1176 or call the number on the back of your Phillips 66 Credit Card.
Inform the representative that you want a credit card PIN.
You can check your Phillips 66 Credit 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 Phillips 66 Credit Card application status online.
How to Check Your Phillips 66 Credit Card Application Status
Share your insights and review for the Phillips 66 Credit Card
5
72%
4
10%
3
6%
2
4%
1
7%
4.3
183 reviews
183 reviews
What's Your Rating?
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Bill Sloss @mtsloss_wm57
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1 Star Rating
Verified Customer
I am an all-around cash back credit card user. I have 8 other cash back cards that cover everything I buy, and I pay them off in full each billing period. I have gas cards that offer cash back rewards of 2, 3, and 5%, which overwhelm the 3-cent per gallon discount this Conoco gas card provides.
For all intents and purposes, this card is worthless for me. The other rewards this card offers on other purchases fall short compared to every other rewards card I have in my wallet. I got this card a couple of years ago when I was still new to credit cards. My 1980s model brain thought I needed a gas card, but modern cash back cards have eclipsed everything this card has to offer. I have a $1000 spend limit card I have no use for. I used it two consecutive months in the past four so that I can sock drawer it until sometime next year. You might do well if you pass on this card.
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0
0
Jenn Gunn @Jgunnpharmd
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1 Star Rating
Changed their website a couple of years ago; navigation went down the tubes. Never Never have I missed or been late on a payment. They fined me a $29 service fee, saying I made a payment that was returned on a bank account from over three years ago that was closed. Not sure how they can claim that one. They won't reverse the service return fee. They're super happy to take your money but offer no customer service when it comes to a problem on their end.
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1
1
Kevin Kehl @kkehl
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1 Star Rating
Buyer Beware. After one year of regular trouble-free use, I began receiving notices that I was being charged $1.00 every time I tried to buy gas at the pump. I tried to read up, including the small print but found nothing, so I opted for a live chat to see if I could get some answers. An hour and a conversation with a floor manager later, I was told that this was how things work everywhere (they used Amazon as an example, "like Amazon does"). No explanation was provided as to why the first year was $1.00 charge-free every time I went to the pump. This seems to be a case of card companies passing on all risks and costs to the customer after the initial bait is taken with a deep discount for customer loyalty. You all can do better. There are some out there on fixed incomes who see this charge and may decide they can't afford their medicine. Come on now, you can do better Synchrony, Phillips, and Amazon.
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0
1
mike clemons @mikeclemons
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5 Star Rating
Verified Customer
Love the discount on fuel! They offer credit line increases without a hard credit pull. Customer service has been great. This has been a wonderful card.
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0
0
William @sloss_william57
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1 Star Rating
Verified Customer
This card is weak. You don't get much from using this card. They advertise all kinds of discounts. There's a complicated way you have to splay your financial and personal data across several different commercial platforms to chase the advertised rewards. This really ups my chances of my info being involved in a data leak. Loads of shady spam. This card will be for my emergency use only.
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3
0
skylarkconvertable @skylarkconvertable
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3 Star Rating
This was my go to card for gas until the discount changed from .25 cents per gallon. Now i can find gas cheaper and without a card. Makes life easier sometimes not having to plan a special trip to get gas.
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Comment
1
0
Madeline @twinkerbell1984
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5 Star Rating
Verified Customer
Just got this card but it does have 25 cents off a gallon plus other rearward offers. It has been easy to use and allows me to get more cash back on my other cards where I can save more on other categories
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0
0
Charlene @charlene29631352003
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5 Star Rating
Verified Customer
I always wanted a Phillips 66 credit card even though it’s only for gas it still help when times are hard. Are wating on the next payday
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1
0
William @whuser16449284
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1 Star Rating
Verified Customer
This closed loop credit card is advertised as giving big rewards. I flipped through the convoluted rewards program and see you have to link up and expose all your info across an array of commercial entities. Your card isn't under Visa or MC and it has no chip. the 3 cents on the gallon rewards on this card are terrible compared to my 2 cents on the Dollar card. Slam dunk approval odds $1000 CL but I should have looked before I applied. This card'll be for emergency use only.
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0
0
Randall @rwj_ford
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5 Star Rating
Verified Customer
I love this card I plan on upgrading the card I understand Phillips 66 card cand be used at all gas stations if so as soon as Phillips 66 increases my available balance
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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 Phillips 66 Credit Card.
