Shell Gas Card Reviews: Is It Worth It? (2023)Reviews, rates, fees, and rewards details for The Shell Gas Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesHigh rewards rateQualify with fair creditSpending caps on rewardsHigh 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 "Earn Rewards (Store Cards)." 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.
Info about the Shell Gas Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
The Shell Gas Card has a $0 annual fee and offers rebates of 10 cents to 30 cents per gallon, up to 20 gallons per fill-up, every time cardholders get gas at a Shell station. Cardholders also get a 10% rebate on the first $1,200 in non-fuel Shell purchases per year. Plus, the Shell Gas Card also requires just fair credit for approval. That’s the good news.
WalletHub Rating Breakdown
User Reviews
3.9/5
603 reviewsRead and write reviews
Editor’s Review
3.2/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
3.3/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
31.74% (V)
Balance Transfer
Balance Transfers Not Allowed
Rewards
Save 30¢/gallon (up to 35 gallons) on your first 5 Shell fuel purchases made by 4/30/2024. Available to new accounts only. Apply by 12/31/2023.
Save 10¢/gallon (up to 35 gallons) every time you fill up. Savings applied instantly at the pump at participating Shell locations.
10% Shell rebates on your first $1,200 Shell non-fuel purchases (per year).
Rebates will be automatically redeemed by applying the rebates as a credit against Shell purchases made with your card in subsequent billing cycles.
Shell Gas Card's Additional Info
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If you are approved for the Card, you will be automatically enrolled in the Fuel Rewards® program and receive instant Gold Status.
The Shell Gas Card has a $0 annual fee and offers rebates of 10 cents to 30 cents per gallon, up to 20 gallons per fill-up, every time cardholders get gas at a Shell station. Cardholders also get a 10% rebate on the first $1,200 in non-fuel Shell purchases per year. Plus, the Shell Gas Card also requires just fair credit for approval. That’s the good news.
The not-so-good news is the Shell Gas Card can only be used to make Shell purchases. That is in direct contrast to the Shell Mastercard Credit Card, which requires at least good credit for approval, rewards users with at least 1% back wherever Mastercard is accepted, and gives up to 2% back on dining and groceries.
But if you only want a credit card for Shell spending, that shouldn’t be a big deal. Keep reading below to learn more about whether a Shell Gas Card is right for you.
Shell Gas Card Review Highlights:
Extra savings promotion. For a limited time, newly approved cardholders will earn a rebate of 30 cents per gallon, on up to 35 gallons, for each of the first five Shell fill-ups paid for with the Shell Gas Card.
10 cents off every gallon. The Shell Gas Card’s standard rebate is 10 cents per gallon, up to 20 gallons per fill-up. That’s about 4% cash back when gas costs $2.50 per gallon. For context, the market’s best gas rewards cards offer 5% back on gas purchased at any station. And the best general-purpose rewards card for people with fair credit, Capital One QuicksilverOne, offers 1.5% cash back on all purchases.
No annual fee. Gas station-affiliated credit cards don’t tend to charge annual fees, so you shouldn’t overstate the importance of this particular feature. With that being said, the Shell Card’s lack of an annual fee does make it about $21.5 per year cheaper than the average credit card, market-wide.
Very high APR. The average credit card for someone with fair credit has a 25.77% regular APR, according to WalletHub research, while the average card offer overall charges about 22.39%. This paints the Shell Card’s APR in a decidedly negative light, illustrating why carrying a balance from month to month would be a big mistake.
Requires fair credit or better. This is the standard credit requirement for store credit cards. It also means the Shell Gas Card is easier to get than the Shell Credit Card, which requires good credit or better. You can check your credit score for free on WalletHub to see which offer you’re likely to get approved for.
Finally, it’s important to remember that there are plenty of ways to save money on gas that don’t involve a Shell rewards card. For starters, most other gas station chains have their own rewards cards, which are at least worth considering if you aren’t totally committed to Shell. You should also check out cards offering gas rewards at any station as well as those with especially lucrative rewards on other everyday expenses. After all, your total savings are what really matter, not how much you save on gas in particular.
Can't find what you are looking for? Submit your question about Shell Gas Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card. In addition, WalletHub independently collected information for some of the cards on this page.
The easiest way you can pay your Shell Gas Card is either online or over the phone at (800) 331-3703. Alternatively, you can make a credit card payment via mail.
You can apply for the Shell Gas Card either online or over the phone at (877) 697-4355. Just note that you will need to provide personal information such as your name, date of birth, home address, annual income, and Social Security Number. The same methods apply to the Shell Credit Card, too.
You may receive a decision instantly. If not, you will be notified of the decision by mail within 7-10 business days. Rarely, however, it can take the...
You can use your Shell Gas Card exclusively at Shell locations throughout the United States. You can use the card to pay for gas and for non-fuel purchases inside Shell convenience stores.
The Shell Credit Card, on the other hand, can be used anywhere Mastercard is accepted. That is virtually anywhere in the world where credit cards are accepted as Mastercard benefits from extensive worldwide acceptance.
You can reach the Shell Gas Card customer service by calling (800) 331-3703 and verifying your account information. This process will get you in contact with a live representative who should be able to answer your questions or direct you to the appropriate department.
How to Talk to the Shell Gas Card Customer Service
Call the Shell Gas Card customer service department at (800) 331-3703. You can even use the number you see on the back of your card.
You generally need fair credit (i.e., a score above 640) to be eligible for the Shell Gas Card. However, issuers consider more than just an applicant's credit score when making approval decisions, including any past negatives, recent inquiries, income and existing debt obligations.
While it can therefore only be used as a guideline, you can get your free credit score from WalletHub in order to get a sense of your likelihood for approval.
You can get a Shell credit card cash advance from any ATM, provided you have the cash advance PIN. If you don't, you will need to call the number on the back of your card to get one.Although getting a cash advance is easy, it's really important to judge whether this is also necessary. Credit card cash advances are extremely expensive. For this particular card, you'll be charged a cash advance fee of either...
You can check your Shell Gas Card application status online or by calling (888) 201-4523.
If your application is denied, you could ask for a reconsideration by calling (800) 695-5171 and making your case. If you still get denied, I'd suggest becoming an authorized user on someone else's account or applying for a secured card instead.
In addition to that, the Shell Gas Card is issued by Citi, and their Identity Theft Solutions program can also help if you fall victim to financial crime. Their team of specialists will provide personal support and assistance as you begin the process of re-establishing your credit.
Share your insights and review for the Shell Gas Card
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39%
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3.8
603 reviews
603 reviews
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samuel @samrock
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1 Star Rating
Verified Customer
We applied for the Shell Fuel Rewards issued by Citi, The card came in the mail and we activated it. We filled up at the pump and went in the store to buy drinks and the card did not work.
We attempted to contact support and we reached a CSR who could not speak english well! We were told that Citi would contact us back about the issue. After waiting a few hours we contacted Citi again, The second CSR also could not speak english well and again we were told that Citi would contact us back.
We waited another 2 hours for Citi to contact us and called yet a third time and got a third CSR who did not speak english well and was told again to wait for someone to contact us. I requested to speak to a supervisor so we could close the account.
Amazingly enough the supervisor was able to send a text message with a OTP to identify us. The supervisor turned the card back on and acted like we were to keep the card. I requested again to close the account due to the fact that it was to much of a hassle to deal with support who does not speak english well and works against you every step of the way.
We have cards from other vendors who are a breeze to deal with! If this is how Citi works then count us out on all Citi services!
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ivoryb1216 @ivoryb1216
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1 Star Rating
Getting the shell gas card is pointless because even though you get 10 cents off a gallon you pay the credit price which is 10 cents more a gallon than cash so what’s the point. It’s their card and they are charging you over 28% apr, the least they could do is charge you the cash price.
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Tufayyur Aouad @Tufayyur1
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1 Star Rating
When you apply for a Shell Mastercard Gas Card, they immediately say congratulations you are approved showing a picture of the Shell Mastercard gas card. Then about three days later, you get an email stating that they are not issuing a Mastercard but instead a Shell gas card only. After doing a hard check on my credit and causing my good credit to go down to Fair credit, they refused to report that they just approved me for a Shell Gas Card. Then they lie about when they will report to the Credit Agencies, and then they do not mail the credit card. Its now been two weeks and no card. I call their customer service in a foreign country and they dont have a clue when I will get the card and they claim they mailed it. We dont have that bad of mail service in the US. So it is a lie when they try to blame the US Post Office. When or if the card does arrive, I will wait until it is reported on my credit report and my score goes up. Then I will think about not doing business with them.
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jennifer4088 @jennifer4088
Thank you for your review. I was recently denied this card, and it looks like Citibank did me a favor.
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EUGENE SMALLS @eugene_smalls
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1 Star Rating
This review is for the shell gift card of $500. Claim to be free if you pick the correct box. Well I pick the correct box and after answering 8 questions. They wanted my credit card to claim my free gas card by paying $2.50. I do not know about you, but this is not free if a consumer have to pay anything and secondly I think this is a scam because knownone should should have to give up their credit card information when they suppose to socall have win a gas card of $500. To my this is defraud of a person and talking advantage of the person with false intent to due so. Please pass this note on to other consumers
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Bob Horner @bobhorner_tn
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3 Star Rating
My problem is that consistently all the Shell stations in Middle Tennessee are owned by 2 companies one being Twice Daily and they charge 10 cents more per gallon than non-Shell stations. So when you use your 10 cents off per gallon Shell card it works out to the same price. We pay our card off at the end of each month so there is no advantage to using the Shell card.
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Samantha Wilson @nov252001
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1 Star Rating
Do not get a card with them. We've had our card since 1992. We miss one payment last month. The bill was lost. We paid it as soon as we got this last one. They suspended our card without notice. So we will be going with another card and we won't be spending any more with shell.
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Berkeley Aycock @Bsure
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1 Star Rating
I have been a customer since 2011, pay my account in each month on time and in full. I received a letter, stating they have closed my account. Because My credit has dropped. Unbelievable how they would treat a customer with so little respect, that has been a paying customer for nor. 9 years
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Samantha Wilson @nov252001
We've been a member since 1992. We miss one payment and they suspend our account.
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christopherh_89 @christopherh_89
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1 Star Rating
Verified Customer
I got this card because it didn't come with the temptation of AUs to use everywhere like a Visa or MasterCard, but turns out you can't reliably use it at Shells either. More than half the time it just says "see cashier" and if you call the 800 number and spend 5 minutes going through the account info just to be told call back during normal business hours but they don't say when that is. I got through to a person once who put me on hold for 10 minutes and hung up on me, I call back again and they put me to the department to dispute an existing charge. The card is completely useless if it cannot be relied upon to get gas when I'm out. Maybe others' luck is better, but this card is total trash.
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jd willie @jdswoodshop
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1 Star Rating
I have used Shell and Chevron gas credit cards for over 50 years. Last year. Chevron changed banks and doing business with them became a living nightmare. This year, Shell changed everything also. This week, we moved so we called Shell for an address change. The customer service person's English was so bad we couldn't understand him. He wanted my password, which I have never been given one. He then wanted my SS#, so I gave it to him. He then wanted my banking # and information, which I refused to give. I'm done with Shall. A 50 Yr. customer means nothing to them.
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Pa Mike @pam
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1 Star Rating
I travel frequently and every time I leave the state I have to call their rude customer service people and tell them I'm traveling, otherwise they put a stop on credit charged away from home. Total crap! stopped using it and went to Marathon. No problems. Goodbye Shell!
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clutchclark @clutchclark
Exactly. This card is blocked at the pump every time I attempt to fuel up away from my home area and requires much time to contact the Fraud Dept to get it unlocked. This card is a complete waste of time. In fact, last time it was blocked at a gas station that I use regularly in the same town as my billing address. CITI Bank Fraud Department is out-of-control.
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