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Compare gas credit cards for fair credit

Earn attractive fuel credits with gas-station credit cards.

Having a fair credit score — between 580 and 669 — rather than a poor credit score means you have a few more options available to you when it comes to gas rewards, including several cobranded gas card options. Here are some of the better gas card options for fair credit as well as some advice on choosing the right card.

Best secured card for gas

Discover it® Secured

Finder rating 4.4 / 5 ★★★★★

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.

Best for overall fuel credits

Chevron and/or Texaco Techron Advantage Visa® Card

Terms apply, see rates & fees
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.

Best for everyday fuel rewards and signup bonus

Shell Fuel Rewards® Mastercard®

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.
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 Credit Card

Read review
Terms apply, see rates & fees
This is a fine alternative to the BP 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.
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5 factors to consider when choosing the best gas credit card for fair credit

You have a solid, but not extensive, variety of options for gas rewards cards for fair credit. Picking one that best serves your needs comes down to your financial situation as well as your spending habits. When looking for a gas credit card for fair credit, consider the following as you browse.

  1. The form of rewards. Many of the best fair-credit gas cards offer fuel credits, which are essentially discounts on your fuel purchases. Others may offer points, which you can redeem on cash back or other options but may have a lower redemption value per point than fuel credits.
  2. How you can earn your rewards. Check each card’s base rewards rate, or the rate you’ll earn without making specific purchases. Then check each card’s bonus rewards — the rates you’ll get on specific purchases. For gas cards, you’re most likely to earn the most on eligible gas purchases with other types of purchases offering less. However, some cards may offer other bonus categories in addition to gas.
  3. A 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.
  4. No annual fee. Fair-credit gas cards typically have no annual fees. Since a card’s annual fee cuts into any reward earnings, it’s worth checking out a card’s fee table to make sure you won’t need to pay.
  5. A low ongoing APR. Fair-credit gas cards usually have very high APRs — from around 25% to 30% variable. This usually isn’t a problem if you’re using a card correctly and paying off your balance each month. If you need to carry a balance though, you’re better off with another type of credit card for fair credit.

Compare gas credit cards for fair credit

Picking the right gas credit card for fair credit is a bit tricky since there isn’t necessarily a strongest, clear cut choice for all consumers. Make a careful comparison of your options by selecting up to four credit cards and clicking “Compare” to see their features side-by-side.

Name Product Welcome Offer Rewards Annual fee Filter values
Capital One QuicksilverOne Cash Rewards Credit Card
N/A
1.5% cash back on all purchases
$39
Get unlimited 1.5% cash back on every purchase with no limit on how much you can earn, and no changing categories.
Credit One Bank® Platinum Visa®
N/A
1% cash back on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services
$39
Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services.
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.
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The difference between standard and cobranded gas cards

Gas credit cards for fair credit come in two varieties: a standard gas rewards card and a cobranded gas rewards card.

  • Standard gas rewards cards earn points or cash back on eligible gas purchases regardless of where you’re purchasing your gas. These are more flexible than cobranded gas cards but may lack some of the more unique features or earning rates you’ll find on a cobranded gas card.
  • Cobranded gas rewards cards earn points, credits or cash back only at select gas stations, such as ExxonMobil or Costco. These cards tend to earn more than a standard gas card at these gas stations as a tradeoff for the earning restrictions and may also come with additional perks associated wit that gas station.
  • What are the alternatives to gas credit cards for fair credit?

    Gas credit cards for fair credit are, by and large, as strong as most other cards for fair credit. You won’t find enormous reward differences between different kinds of credit cards for fair credit – at least not to the degree that can happen in cards for good and excellent credit. Because of that, you can compare other credit cards for fair credit and receive a card of similar rewards strength with a little research.

    There are surprisingly flexible options, including:

  • The Capital One QuicksilverOne Cash Rewards Credit Card, which lets you earn unlimited 1.5% cash back on all purchases.
  • The Journey Student Rewards from Capital One which lets you earn unlimited 1% cash back on all purchases.
  • Bottom line

    Typically, you have limited options for credit cards if you have fair credit. Luckily, the there are still several great options for gas rewards on these cards, though even stronger gas rewards cards await if you have stronger credit. If you want to focus on building your credit score, using a secured credit card responsibly can be a great way to do so.

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