Shell Small Business Card review |

Shell Small Business Card review

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Shell Small Business Card

A solid choice for those seeking robust spending controls and detailed expense reporting.

  • Get this card if you have a relatively large fleet of vehicles and need detailed reports on fuel spending.
  • Pick something else if you want rewards or don’t have many vehicles.
  • Apply with a fair to good credit score of 580 to 739.
Product NameShell Small Business Card
Annual Fee$0
Purchase APRThis card doesn't disclose its rates and fees on its site.
Intro Purchase APR


Intro Balance Transfer APR


Late Payment Fee ConditionsThe greater of $20.00 or 2.50% of the account balance as of the payment due date.
Minimum Age18 years of age

The basics

The Shell Small Business Card is a fleet card that lets you and authorized users spend within the Shell Fuel Network. It doesn’t offer rewards, but it lets you systematically track your company’s fuel spending. Perhaps the card’s biggest benefits are its spending controls and reporting options, which allow you to run a tight fleet operation.

Another card with gas rewards

Ink Business Cash℠ Credit Card

  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
  • No annual fee
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The perks

  • Accepted within the Shell Fuel Network.

    You can use your Shell Small Business Card at Shell gas stations and participating Jiffy Lube locations. You can’t use this card outside of the network, so consider whether you want Shell as your primary gas station.

You’ll also like

  • No cost for additional cards.

    When you apply for the Shell Small Business Card, you can request up to nine assigned-buyer cards and up to four unassigned-buyer cards. This lets you designate certain cards for specific employees and retain a few for company-wide use.

  • Management tools.

    Check your account online 24/7. You’ll also receive consolidated statements, which allow you to view purchases by card ID, as well as check fuel and non-fuel transactions.

    You can also control what your employees use their cards on. For example, you can limit transactions to fuel only or allow employees to make vehicle-related and convenience store purchases. Additionally, you can limit use of the card to certain Shell locations.

How to compare employee credit cards

What to watch out for

  • Undisclosed rates and fees.

    This card doesn’t disclose its rates and fees on its site.

  • No signup bonus.

    Gas cards usually don’t offer signup bonuses. If you’d like a bonus, consider a business card from a large bank. With annual-fee cards, you’ll typically receive a substantial signup bonus after spending around $4,000 to $5,000 within the first three months of card membership.

Compare other business credit cards

Name Product Rewards Purchase APR Annual Fee
12.24% to 20.24% variable
Enjoy a market-leading 0% intro APR on purchases and balance transfers for the first 20 billing cycles, reverting to a variable 12.24% to 20.24% APR. Rates & Fees
3x on travel, shipping, Internet, cable, phone and online ads up to $150,000 combined annually; then 1x after and on all other purchases
18.24% to 23.24% variable
80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. That's $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards®
5% back at US office supply stores and on US wireless telephone services on up to $50,000 annually (then 1%). 3% on a chosen category on up to $50,000 annually, then 1% after and on everything else
14.49%, 19.49% or 21.49% variable
Save on interest with a 0% intro APR on purchases for 15 months. After that your APR will be 14.49%, 19.49% or 21.49% variable. Rates & fees
2x points on everyday business purchases on up to $50,000 annually, then 1x points
15.49%, 18.49% or 21.49% variable
Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions. Rates & fees
5% on office supplies, Internet, cable and phone up to $25,000 combined annually; 2% on gas and dining up to $25,000 combined annually; 1% on all other purchases
15.49% to 21.49% variable
$500 bonus cash back after you spend $3,000 in the first 3 months

Compare up to 4 providers

What size business is the Shell Small Business Card good for?

The Shell Small Business Card is ideal for businesses with fleets that constantly need to fill up on gas. It’ll help you accurately manage driver spending. Ultimately, it’s best if you have many employees who need to purchase gas on the company books.

What should I know before I apply?

You must be 18 years of age or older to apply for the Shell Small Business Card.

Required information

  • Legal name of your business.
  • Contact and billing information for your business.
  • Your business structure and when it was founded.
  • Number of employees, annual revenue and monthly fuel purchase volume for your business.
  • Your name, address and contact details.
  • Your date of birth and Social Security number.

What credit score do I need?

Shell doesn’t specify a minimum credit score for this card. However, you’ll typically have a better chance of approval with a score of 580 or higher — typically what’s considered fair to good credit.

Though this is a business card, you’ll likely be personally responsible for any expenses you accrue on it. For that reason, consider spending only what you know you can pay off yourself.

What do customers say about the Shell Small Business Card?

Citibank, the issuer of this card, receives an F rating from the Better Business Bureau (BBB) for its failure to respond to 75 complaints. As of this writing, it has almost 4,000 customer complaints filed against it. It doesn’t do much better on Trustpilot, scoring a 3.5 out of 10. Many issues revolved around customers having their accounts frozen unexpectedly and poor customer support.

How to apply for the Shell Small Business Card

  1. Navigate to the Shell website and click Start Application.
  2. Complete the application form with details about you and your business.
  3. Review your application, then click Submit Application.

How long will it take to get my Shell Small Business Card?

Conditional approval is automated on the Shell website. For that reason, you may receive an immediate decision on your application. If Citibank needs to look over your application in more detail, you may need to wait a few business days or weeks to hear back.

If you’re approved, expect your credit card in the mail within seven to 10 days.

I got the card. Now what?

  • Make timely payments. Register for a Shell Small Business Card online account, where you can check your balance and make payments. You’ll receive instructions on how to register your account with your mailed card. Consider setting up automatic payments, which will help you stay up to date with your bill.
  • Avoid penalty fees. For each late payment, you may be assessed a fee.
  • Avoid the default APR. This card may come with a penalty APR, so avoid late and returned payments.
  • Avoid interest. Consider paying off your balance each month to avoid accruing debt at a fast rate.

Bottom line

The Shell Small Business Card may be a good choice if you have a large fleet that constantly needs to refill on gas. Its standout features are its consolidated statements, which will help you accurately track spending, and mechanism to limit employee purchases.

For a signup bonus or rewards, consider another business credit card.

Frequently asked questions

Images: Shell

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