The Shell Credit Card has a $0 annual fee and offers a long list of rebates to people with good credit or better who regularly fill up at Shell stations. For a limited time, new cardholders get $0.30 per gallon off five Shell fuel purchases, up to 20 gallons each time. The standard rebate is $0.10 per gallon, up to 20 gallons per fill-up at Shell stations.
The Shell Credit Card also helps you save on gas when you’re buying other things. You get 10% back, in the form of Shell rebates, on the first $1,200 in non-fuel purchases made at Shell stations each year. You get 2% back on your first $10,000 in dining and groceries purchases each year. And you get 1% back on everything else.
So you should definitely consider applying for the Shell Credit Card if you always get gas at a Shell station, especially if you’ll use the card for dining and groceries, too.
Shell Credit Card Review Highlights:
- Automatic rebates on Shell gas: The standard discount is 10 cents per gallon, up to 20 gallons per purchase. But the first five fill-ups get you 30 cents per gallon back, up to 20 gallons each time, through April 30, 2020.
- Up to 10% back on non-fuel Shell purchases. This max rate applies to your first $1,200 in non-fuel Shell purchases each year. After that, it’s 1% back. Rewards are applied as statement credits to pay for future Shell gas purchases.
- Up to 2% back on other purchases. You earn 2% back in Shell rebates on the first $10,000 per year that you spend at restaurants and grocery stores. And you get 1% back on everything else. Both earning rates can be bested by general-purpose rewards cards.
- No annual fee. Most of the best gas credit cards have no annual fee. So in that sense, the Citi Shell Mastercard fits right in. The lack of an annual fee also stands to save you about $18.15 per year compared to the average credit card, market-wide.
- Not built for balances. Gas isn’t the type of purchase that should force you to carry a balance from month to month. And the Shell Credit Card’s 28.74% (V) regular APR helps underscore that point. It’s obviously well above the 20.79% and 14.49% charged by the average credit cards for people with good and excellent credit, respectively. And that’s a good reason to always pay your bill in full.
- Reserved for people with good credit or better. More than 40% of consumers won’t be able to get approved for the Shell Credit Card due to this minimum credit requirement. So you’d be wise to check your credit score for free on WalletHub before applying.
- Not the only way to save at the pump. The Shell Mastercard isn’t the only Shell credit card. The Shell Gas Card, which only requires fair credit for approval, is also an option. You can compare the two offers here. It’s also worth checking out WalletHub’s editors’ picks for the year’s best gas rewards credit cards, which feature selections for people in each creditworthiness category, if you’re not wedded to the idea of getting one of the Shell credit cards.