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BP Credit Card review

Get a discount of 10 cents on gas purchases at bp and Amoco without limits.

Get this card if you have a gas guzzler vehicle and you often buy gas at bp and Amoco stations.

Pick something else if you don’t spend much on gas or if you tend to carry your balance.

Apply with a good credit score to improve your chances of qualifying.

Kliment Dukovski

Last Updated Mar 3, 2021

10 cents off per gallon (no gas restriction, no limit) at participating bp and Amoco stations, 3% cashback on groceries and 1% on other purchases with BP Visa. BP Credit earns 5 cents off per gallon

Rewards

Annual fee

29.99% fixed

Purchase APR

580

Minimum Credit Score

Annual fee	$0
Welcome offer	Get up to 30 cents off per gallon for the first 30 days at participating bp and Amoco stations when you're accepted for the card and use it on the BPme app
Rewards	10 cents off per gallon (no gas restriction, no limit) at participating bp and Amoco stations, 3% cashback on groceries and 1% on other purchases with BP Visa. BP Credit earns 5 cents off per gallon
Purchase APR	29.99% fixed
Balance transfer APR	N/A
Minimum Credit Score	580

Cash advance rate	29.99% fixed
Cash advance fee	$10 or 5% of the cash advance amount, whichever is greater
Foreign transaction fee	3% of the transaction value
Interest free period	Up to 23 days
Late payment fee	Up to $39
Security deposit	N/A
Minimum Interest	$2
Rates & fees	Terms apply, see rates & fees

Review by

Kliment Dukovski

kliment.dukovski@findercrew.com

Kliment Dukovski is an investments writer who has written over 600 articles to help readers find and compare the best financial options. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

The BP Credit Card — issued by Synchrony Bank — is designed for anyone who regularly buys gas at bp and Amoco stations. With the Visa version of the card, you get a discount of 10 cents on gas purchases at the two stations, without limits or restrictions. This is higher than what you typically earn with competitor cards, such as the ones from Chevron or Exxon. On top of that, you earn 3% cash back on grocery purchases, a perk that no other competitor gas cards can boast.

There’s also a signup bonus where you get 30 cents off per gallon within your first 30 days of card membership when you download the BPme mobile app and use your card at bp and Amoco stations. The discount is either on par or slightly lower than competitor gas cards. On the other hand, competitor gas cards offer a signup bonus period of 60 or 90 days, which can help you earn more points during a short time frame. In the long run, though, the BP card seems like the winner in terms of reward potential.

On the downside, there are two BP cards — a BP Credit Card that you can use anywhere where cards are accepted, and a BP store credit card, which you can only use at bp and Amoco stations. The latter also comes with 5 cents off per gallon and 1% back on all other purchases at the station. You can’t choose which card to get; it all depends on your creditworthiness. Also, the card comes with an incredibly high APR, which makes the card expensive if you often carry a balance.

Overall, the BP Credit Card can be a valuable option for those who are regulars at bp and Amoco stations and especially for those who drive gas guzzlers, because the card doesn’t limit your discounts no matter how much you buy. But to make the card worth it, you must always pay your balance on time to avoid accruing interest.

How to apply for the BP Credit Card

Applying for the card is straightforward. Here’s how to do it:

Go to the provider's site and select Apply now.
Fill out the application form.
Review the form and submit.

What credit score do I need?

You’ll likely need a good credit score to get the Visa. If you have a poor or fair credit score, you might qualify for the store version of the BP Credit Card.

BP Credit Card benefits

Fuel discounts and cash back. With the BP Visa® Credit Card, you get 10 cents off per gallon at participating bp and Amoco stations, 3% cash back on grocery store purchases and 1% back on all other purchases. 10 cents off comes out around 4% off if a gallon costs $2.45. With the store card version, you get 5 cents off per gallon and 1% back on all other bp and Amoco station purchases. The fuel discount doesn’t have any limits, meaning it’s a great option for gas-guzzler vehicles.
Signup bonus. Get 30 cents off per gallon at participating bp and Amoco gas stations — 25 cents off with either the Visa card or the store card plus 5 cents off when you download the BPme mobile app and use it. Use this discount during your first 30 days when you open your account.
No annual fee. Both BP cards have a $0 annual fee.

What to watch out for

You can’t choose which card to get. Both the BP Visa® Credit Card and the BP Credit Card share the application form and you can’t choose which card to apply for. For example, you could end up with the store card while you want the Visa card.
High APR. No matter which card you get, if you carry your balance you can accrue massive APR on purchases and cash advances of 29.99% fixed. This is one of the highest interest rates you can get on a credit card. The average APR is 16% with other rewards cards. Luckily, you can avoid it by paying your balance on time every month.
Foreign transaction fees. There’s a 3% fee for every transaction you make abroad or online with foreign merchants with the BP Credit Card.

What do customers say?

Customers in general complain about the high interest rates. Some also had issues with paying the balance, claiming their payment was on hold for seven days. Overall, most BP card customers who left reviews online weren’t impressed with the card. However, they didn’t mention which card they own — was it the Visa or the store card.

Compare with gas rewards cards

You might get more value out of an everyday credit card with high gas rewards. Take a look at these top-earning gas rewards cards to see how they compare.

BP Credit Card

Not yet rated

Terms apply, see rates & fees

Find out more
Minimum credit score 580
Annual fee $0
Purchase APR 29.99% fixed
Balance transfer APR N/A
Rewards 10 cents off per gallon (no gas restriction, no limit) at participating bp and Amoco stations, 3% cashback on groceries and 1% on other purchases with BP Visa. BP Credit earns 5 cents off per gallon
Welcome offer Get up to 30 cents off per gallon for the first 30 days at participating bp and Amoco stations when you're accepted for the card and use it on the BPme app

Sam's Club® Mastercard®

★★★★★

Finder Rating: 4 / 5

Terms apply, see rates & fees

Go to site
Minimum credit score 670
Annual fee $0
Purchase APR 14.9% to 22.9% variable
Balance transfer APR 14.9% to 22.9% variable
Rewards Up to 5% at Sam's Club with Plus membership, 5% cash back on gas (on up to $6,000 annually, then 1%), 3% on dining and 1% on all other purchases
Welcome offer Get a $30 statement credit when you open a new account and make $30 in Sam's Club purchases within 30 days.

Blue Cash Preferred® Card from American Express

★★★★★

Finder Rating: 4.3 / 5

Terms apply, see rates & fees

Go to site
Minimum credit score 670
Annual fee $0 intro annual fee for the first year ($95 thereafter)
Purchase APR 0% intro for the first 12 months (then 13.99% to 23.99% variable)
Balance transfer APR N/A
Rewards 6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on other purchases (redeem as statement credit)
Welcome offer $300 statement credit after spending $3,000 in the first 6 months

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Bottom line

The BP Credit Card is an excellent option for bp and Amoco stations regulars. You get 10 cents off per gallon at these two stations without any limits on your purchase. This is one of the highest discounts you can get with a gas credit card. If this option doesn’t seem right for you, compare other gas credit cards.

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