Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

Compare gas credit cards for fair credit

Earn attractive fuel credits with gas-station credit cards.

Updated . What changed?

Fact checked
Having a fair credit may limit your credit card options, but you’ll still have access to credit card perks. For example, you can get valuable fuel credits with a cobranded gas card.

We looked for cards with standout rewards on fuel that are accessible to consumers with fair credit.

Best gas credit cards for fair credit

There’s one secured card in particular that’s strong for gas purchases. If you don’t want to put down a security deposit, consider a gas-station credit card that offers fuel credits.

Best secured card for gas
Discover it® Secured

Discover it® Secured logo
Finder Rating: 4.4 / 5

★★★★★

Credit recommended (300-669)
Read review
300
Min. credit score
$0
Annual fee
Up to 2%
Cash back
Other
Welcome offer
While you'll have to put down a security deposit to get this card, you can earn solid cash back at gas stations and restaurants.
Discover will match all of the cash back you earn during your first card year. And as you're building your credit, you can get access to your TransUnion FICO credit score for free.
  • No annual fee.
  • 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, then 1%.
  • 1% cash back on all other purchases.
  • First-year cashback match.
Annual Fee $0
Purchase APR 22.99% variable
Balance transfer APR 10.99% intro for the first 6 months (then 22.99% variable)
Welcome offer Discover will match cash back earned at the end of your first card year
Rewards 2% back on gas and dining up to $1,000 combined each activated quarter, then 1% after that and on all other purchases

Best for overall fuel credits
Chevron and/or Texaco Techron Advantage Visa® Card

Chevron and/or Texaco Techron Advantage Visa® Card logo
Credit recommended (580-850)
Rates & fees

580
Min. credit score
$0
Annual fee
Up to 20
Cents off a gallon
20
Welcome offer
This card's base rewards rate are less than spectacular. However, it's worth having if you use it for at least $1,000 in purchases at non-fuel merchants. Each month you do so, you'll earn an excellent 20 cents per gallon in fuel credits.
  • No annual fee.
  • Signup bonus: 20 cents per gallon in fuel credits at Chevron and Texaco for the first 90 days from account opening.
  • 10 cents per gallon in fuel credits each month you spend at least $300 at non-fuel merchants. 20 cents per gallon in fuel credits each month you spend at least $1,000 at non-fuel merchants.
  • 3 cents per gallon in fuel credits at Chevron and Texaco. You'll earn 5 cents per gallon on Plus fuel and 7 cents per gallon on Supreme and Premium fuel.
Annual Fee $0
Purchase APR 26.99% variable
Balance transfer APR N/A
Welcome offer 20 cents per gallon for the first 90 days at Chevron and Texaco stations
Rewards 3 cents per gallon at Chevron and Texaco, 10 cents/gal after spending $300 on non-fuel purchases each month and 20 cents/gal after spending $1000 on non-fuel

Best for everyday fuel rewards and signup bonus
Shell Fuel Rewards® Mastercard®

Shell Fuel Rewards® Mastercard® logo
Credit recommended (-)

Min. credit score
$0
Annual fee
Up to 30
Cents off a gallon

Welcome offer
This is the card for you if you want strong fuel rewards without having to meet spend requirements. You'll save 10 cents per gallon on every Shell fuel purchase — a discount that's applied right at the pump. You'll also earn bonus rebates on non-fuel Shell purchases, as well as on dining and grocery spending.
Additionally, this card is a great pick if you're looking for a strong and easy-to-use signup bonus.
  • No annual fee.
  • Signup bonus: Save 30 cents per gallon on up to 20 gallons per fill-up on your first five fuel purchases at Shell.
  • Save 10 cents per gallon on up to 20 gallons per fill-up on every fuel purchase at Shell.
  • Shell rebates:
    10% on your first $1,200 non-fuel purchases at Shell per year.
    2% on your first $10,000 in dining and grocery purchases per year.
    1% on other qualifying purchases.
Annual Fee $0
Purchase APR 26.49% variable
Balance transfer APR 26.49% variable
Welcome offer 30 cents off per gallon (up to 20 gallons) on your first five Shell purchases
Rewards 10 cents off per gallon at Shell (up to 20 gallons), 10% back on your first $1,200 Shell non-fuel purchases annually, 2% back on dining and groceries on up to $10,000 annually, then 1% after that and on all other purchases
The information about Shell Fuel Rewards® Mastercard® has been collected independently by Finder and and has not been reviewed or provided by the issuer.

Best for groceries
BP Visa Credit Card

BP Visa Credit Card logo
Credit recommended (580-739)
Rates & fees

580
Min. credit score
$0
Annual fee
Up to 30
Cents off a gallon

Welcome offer
This is a fine alternative to the BP Visa Credit Card, with its strong everyday rewards on gas. But its 3% cash back on groceries is the main difference — a great rate you'll usually find in cards that require good credit.
  • No annual fee.
  • 10 cents off per gallon on fuel purchases at participating BP and Amoco stations.
  • 3% cash back on groceries.
  • 1% cash back on all other purchases, except on BP and Amoco fuel purchases.
Annual Fee $0
Purchase APR 29.99% variable
Balance transfer APR N/A
Welcome offer 25 cents off a gallon for every $100 you spend in the first 90 days (excluding non-BP gas stations)
Rewards 10 cents off a gallon for every $100 spent at BP, 3 cents off for every $100 spent on groceries, dining and travel and 1 cents off for every $100 spent on other purchases
Back to top

How to choose the best gas credit cards for fair credit

  • Fuel rewards.
    Many of the best fair-credit gas cards offer fuel credits, which are essentially discounts on your fuel purchases. Check each card’s base rewards rate — that is, the rate you’ll earn without doing anything extra. Then check each card’s bonus rewards — the rates you’ll get for activities like meeting minimum spends.
  • Rebates and cash back.
    A card may offer rebates or cash back as well. For gas-station cards like the Shell Fuel Rewards® Mastercard® and BP Visa Credit Card, you’ll get these rewards back as statement credit.

What is statement credit?

Statement credit reduces the balance you owe on your credit card. If you apply a $100 statement credit to a $1,000 balance, for example, you now owe only $900.

  • Signup bonus.
    Some cards offer impressive signup bonuses — typically in the form of large rebates on your initial fill-ups with your card. When considering a card, look at its terms to see if there’s a signup bonus, and whether the bonus applies within a specific time period or simply for a certain number of fill-ups.
  • Annual fee.
    Fair-credit gas cards typically have no annual fees. However, it’s worth checking out a card’s fee table to see if you’ll have to pay.
  • APR.
    Fair-credit gas cards usually have very high APRs — from around 25% to 30% variable. That said, avoid these cards if you’ll carry a balance month to month. The interest can easily erase the rewards you earn.

Compare gas credit cards for fair credit

Name Product Welcome offer Rewards Annual fee Filter values
Credit One Bank® Unsecured Visa® with Cash Back Rewards
N/A
1% cash back on all purchases or in categories based on Credit One Bank’s discretion
$0 to $99
Earn 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.
BP Business Solutions Mastercard®
N/A
Up to 6 cents per gallon on fuel and 3.5 cents per gallon on diesel depending on number of gallons purchased per month
Up to $120
Up to 6 cents per gallon on fuel and 3.5 cents per gallon on diesel depending on number of gallons purchased per month.
Universal Premium Mastercard®
N/A
3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network
Up to $120
Earn 3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network.
ARCO Business Solutions Fuel Card
Up to $180
The ARCO Business Solutions Fuel Card gives your drivers access to greater performance with high quality fuels at ARCO locations. The card provides fleet managers with detailed reporting and individual spending controls for each and every driver.
Speedway SuperFleet Mastercard®
Up to 5 cents per gallon off depending on purchase volume
See terms
Earn rebates on gas and diesel at thousands of Speedway locations.
loading

Compare up to 4 providers

Alternatives to gas credit cards for fair credit

Gas credit cards for fair credit typically offer the same perks you can get with similar cards. Because of that, you can also compare other credit cards for fair credit. There are cool options like the unsecured Capital One® QuicksilverOne® Cash Rewards Credit Card, which lets you earn unlimited 1.5% cash back on all purchases. Or the Journey® Student Rewards from Capital One® that lets you earn unlimited 1% cash back on all purchases.

Use these cards to build your credit and then apply for a gas credit card for good credit score or higher.

Bottom line

Typically, you have limited options for credit cards if you have fair credit. Luckily, this isn’t as severe with gas credit cards, as there are excellent gas-station products to choose from.

If you want to build your credit score, using a secured credit card responsibly can be a great way to do so.

Frequently asked questions

More guides on Finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site