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What are the Best Gas Credit Cards for Bad Credit?
We always advise customers with low credit to apply for one of the gas and store cards. These offers are easy on approval and loyal to poor credit score.
A good setup for starting to rebuild your bad credit is a pair of credit cards – one gas card and one department store card.
Let’s emphasize again: we are talking mostly about non-major credit cards, a retail type of card that is usually offered only by gas stations and not accepted anywhere except that particular brand gas station network.
These cards serve the primary purpose of helping you rebuild your credit score. Any rewards that they offer (mostly in the form of gas rebates of 5-50¢ per gallon) should be considered as secondary.
See our top picks of gas credit cards for bad credit:
| regular APR | |
bad credit required
no annual fee
can be used at 76, Conoco or Phillips only
| regular APR | |
bad credit required
no annual fee
not a major card - you can use it at Marathon stations only
good for rebuilding credit
| regular APR | |
fair credit required
no annual fee
not a major card
Chevron and Texaco gas stations use only
| regular APR | |
- get 25c per gallon rebates for $100 spend anywhere in the first 60 days of the card
- after that, 15c per gallon gas rebates for every $100 spent on BP
- and 5c on $100 spend everywhere else except non BP gas stations
fair credit required
no annual fee
5c/15c/25c per gallon in rebates
Good to mention: before applying you should make sure there are enough gas stations of that brand for convenient gas shopping because you will not be able to use the card outside that network.
Summary
Gas credit cards provide a great opportunity for building or rebuilding your credit while earning gas rebates. When choosing the right card for you, consider how accessible is the particular gas chain from your location.
Here are the best 2021's gas credit cards for bad credit ranked by our editor
| Best for | Card | Pros | Cons |
|---|---|---|---|
| gas rebates | Marathon credit card | 2¢/gallon rebates, bad credit is ok, good for rebuilding credit | no annual fee, gas station chain credit card - accepted only at Marathon gas stations |
| building credit, gas rebates | 76 Gas card | regular credit card, 5¢/gallon regular and 10¢/gallon for the first 90 days of card | minimum purchase of 45 gallons per month needed to qualify for discounts |
| gas rebates | Chevron and Texaco card | 10c/gallon for the first 60 days of card, good for rebuilding credit | gas station chain card, gas rebates work only for the first 2 months, not a major credit card |
| regular shopping, gas at BP | BP VISA card | regular credit card with rebates on all purchases (1%), 3% on gas purchases at BP, 5% back in the first 60 days | not the best gas rebates |
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