Finder may earn compensation from partners, but editorial opinions are our own. Advertiser Disclosure

Sunoco Rewards Credit Card review

A gas credit card too limited in scope for consideration.

  • You might consider this card if you get your gas exclusively at Sunoco.
  • You’ll want to pick something else if you want bigger rewards on a wider variety of purchases.
  • Apply with a good to an excellent credit score of 670 or higher for the best chance of approval.
Please note: Citi is an advertising partner of finder.com

All information about this card has been collected independently by Finder.

No reviews yet. Write a review

Up to 10

Cents off a gallon

$0

Annual fee

26.49%

Purchase APR (variable)

670

Recommended credit score

Details

Annual fee$0
Welcome offerN/A
Rewards5 cents off per gallon of gas at Sunoco, 10 cents per gallon during your first 60 days
Purchase APR26.49% variable
Balance transfer APRN/A
Minimum Credit Score670
IssuerStore card
Avatar

Review by


Kliment Dukovski is a credit cards and investments writer. He's written over 600 articles to help readers find and compare the best credit cards. 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

For a card that requires a good to excellent credit score, the Sunoco Rewards Credit Card is rather limited. It offers a 5 cent discount on every gallon of gas purchased at Sunoco gas stations. This discount is boosted to 10 cents per gallon during your first 60 day after account opening. If a gallon is priced at $2.50, that’s about a 2% discount on your gas purchase, or a 4% discount during the first 60 days. But that’s the extent of this card’s rewards. You won’t find additional discounts or rewards on any other purchases.

Thankfully, this card doesn’t charge an annual fee. But the rest of this card isn’t much to write home about – the “signup bonus” is rather weak compared to other gas cards on the market. A 10 cents discount on a gallon of gas is nice in a vacuum, but the average consumer is only going to be able to fill their tank so often in that time period. There’s also the question of accessibility: you might not have easy access to a Sunoco gas station. A quick search showed exactly one Sunoco within a 100 mile radius of my location.

How to apply for the Sunoco Rewards Credit Card?

To apply for the card, you must be an existing First Command Bank customer. Here’s how the process goes:

  1. Visit the Sunoco website and navigate to credit cards in the menu.
  2. Select consumer credit cards and click Apply now.
  3. Fill out the application form.
  4. Review the form and submit.

What credit score do I need?

You need good to excellent credit score of 670 or higher to increase your chances of approval.

Sunoco Rewards Credit Card benefits

  • Discounts on gas.
    Get 5 cents off on each gallon of gas purchased at Sunoco gas stations. Earn 10 cents off on each gallon of gas purchased during your first 60 days after account opening. Breaking down the numbers, this amounts to a 2% and 4% discount on your gas purchases, respectively. While an 4% discount is impressive on the surface, it’s less impressive when stacked up against the value offered by the competition.
  • Free family cards.
    You can obtain additional family cards at no extra cost.
  • No annual fee.
    You won’t pay an annual fee to use this card.

Sunoco Rewards Credit Card drawbacks

  • Weak signup bonus.
    Unlike a few of the leading gas reward cards on the market, you won’t find a cash or point windfall with the card’s welcome offer. Instead, you get a slight boost to your gas discount, albeit one outshined by other gas cards on the market. Once your welcome offer on the Sunoco Rewards Credit Card is over, you’re permanently locked in to a 5 cent discount on your Sunoco gas purchases. With the Chevron and/or Texaco Techron Advantage Visa® Card, you can reliably earn 20 cents per gallon, provided you spend at least $1,000 each month with your card. This is a terrific incentive to balance out the fact that you can only earn on Chevron or Texaco gas stations.
  • Limited earning potential.
    This card doesn’t earn cash back on any purchases aside from Sunoco Gas. What’s more, rewards for this card are limited to just Sunoco gas stations, not all gas stations.
  • High APR. The card’s high purchase APR of 26.49% variable makes it a bad choice for carrying a balance. It also does not offer an intro APR on purchases or balance transfers.

Compare Sunoco Rewards Credit Card to similar cards

Let’s take a look at the Sunoco Rewards Credit Card versus two top performers, the PenFed Platinum Rewards Visa Signature® Card and the Costco Anywhere Visa® Card by Citi.

Sunoco Rewards Credit Card

Not yet rated

Find out more

Minimum credit score

670

Annual fee

$0

Purchase APR

26.49% variable

Balance transfer APR

N/A

Rewards

5 cents off per gallon of gas at Sunoco, 10 cents per gallon during your first 60 days

Welcome offer

N/A

PenFed Platinum Rewards Visa Signature® Card

Not yet rated

Find out more

Minimum credit score

670

Annual fee

$0

Purchase APR

13.49% to 17.99% variable

Balance transfer APR

0% intro for the first 12 months (then 17.99% variable)

Rewards

5x points on gas at the pump, 3x points on groceries and 1x points on all other purchases

Welcome offer

15,000 Bonus Points when you spend $1,500 in the first 90 days

Even without crunching the numbers, you can see that the PenFed and Costco cards offer a much wider variety of ways to earn on your spending. The PenFed and Costco not only earn comparable or better rates on gas, but can earn at a wider variety of gas stations. Plus, you’ll earn on other everyday purchases, like groceries or Costco purchases.

Even compared to other store-brand gas cards, the Sunoco is lacking. Here’s a side-by-side comparison of the Sunoco Rewards Credit Card and the Chevron and/or Texaco Techron Advantage Visa® Card.

CardRewardsSignup bonusAnnual feeCredit score requiredIntro APR
Sunoco Rewards Credit Card5 cents off per gallon purchased at Sunoco10 cents off per gallon purchased at Sunoco for your first 60 days$0670None
Chevron and/or Texaco Techron Advantage Visa® Card3 cents off per gallon. 10 cents off per gallon if you spend $300 to $999.99 in a month. 20 cents per gallon if you spend $1,000 or more in a month.None$0580None

Bottom line

With a less than impressive rewards rate and limited earning categories, the Sunoco Rewards Credit Card doesn’t offer nearly enough to warrant a look, even if you frequent Sunoco gas stations.

You’ll want to look at your other gas reward card options to find one that offer a better combination of flexibility and value for your gas needs.

Go to site