Wednesday, June 7, 2023

Credit Score For Shell Gas Card

How To Redeem Rebates

Shell Fuel Rewards Mastercard Credit Card Review

Rebates earned with the Shell | Fuel Rewards® Mastercard® are automatically applied as statement credits toward Shell fuel purchases made with your card. This makes redeeming extremely simple you don’t have to wait until you reach a certain dollar threshold to redeem your rewards and you don’t have to do any work to redeem them.

However, you don’t have any other redemption options except for fuel rebates. Most other cashback credit cards let you redeem rewards for a variety of options, including statement credits against any purchase, gift cards and more.

Best Unsecured Gas Cards For Bad Credit

After a while of ceaseless searching, the idea of finding a rewards card with bad credit can feel a bit like looking for Nessie in a rowboat. Thankfully, you wont need to set sail to find a rewards card with flexible credit requirements.

Take a look at some of our favorite picks for bad-credit rewards cards to see what kind of deals are out there:

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The most important thing to keep in mind with a rewards card is that those rewards will be quickly overwhelmed by interest fees if you carry a balance from month to month.

While unsecured credit cards dont require an initial deposit, most subprime unsecured cards come with annual fees, and typically charge higher interest rates than prime or secured credit cards. Be sure to pay off your credit card balance in full every billing cycle to avoid being charged high interest fees well above the prime rate.

Is Fuel Rewards Worth It

Fuel Rewards® is a free-to-join rewards program from Shell. It focuses on a Gold Status for members that combines with rewards from everyday shopping. These add up to big savings at the pump. Gold Status is achieved when members make a qualifying purchase at participating Shell locations at least six times every three months .

Members automatically reach Silver Status when they sign up, which is the lowest tier where savings can be earned. Members with Silver status will receive at least 3 cents for each fill-up until they make six purchases in the first three months, after which they will reach Gold Status and qualify for the full benefits of the rewards program.

Designed for Shell loyalists who want to earn rebates towards their gasoline purchases, Fuel Rewards proffers perks and discounts that can be credited to their statement whenever they buy gas from Shell. This loyalty program automatically bestows members with a discount of 5 cents per gallon on every fill-up at Shell with their Gold status. Rewards from Gold Status can be combined with rewards from everyday activities to stack savings. Heres how those rewards can add up:

  • Automatic 5 cents per gallon discount with Gold membership
  • Additional 5 cents per gallon discount for shopping online each time you spend $50 on brand-name merchandise from brands that include JCPenney, Best Buy, Neiman Marcus, Kohls and more
  • Additional 10 cents per gallon discount for every $50 spent on dining
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    How Do You Get A Shell Card

    Narrator: If you would like to set up a new Shell Card Online account, simply go to the Shell Card Online section at www.vivaenergy.com.au and you can register there.

    How much does a Shell card cost?

    The Shell Card account costs $2.50 per card per month. Repayment terms. This account offers weekly, fortnightly or monthly payment terms. Payments can be made via direct debit from a bank account or a credit card.

    Who issues the Shell credit card?

    CitibankShell has two store-branded cards issued by Citibank: the Shell Fuel Rewards Card and the Shell Fuel Rewards Mastercard.

    Shell Fuel Rewards Mastercard

    Gold Status Shell Fuel Rewards For Chase Sapphire ...

    Sign-up bonus: Save 30 cents per gallon on your first five Shell fuel purchases made by June 30, 2023.

    Annual fee: $0.

    Gas discount for cardmembers: Save 10 cents per gallon on purchases of fuel at Shell stations. This comes as a combined discount of 5 cents per gallon for paying with your card and 5 cents per gallon for being a Shell Fuel Rewards Gold member .

    Earning structure: 10% Shell rebates from your first $1,200 in non-fuel purchases each year, 2% Shell rebates on your first $10,000 in dining and grocery purchases per year and 1% Shell rebates on all other purchases.

    Other cardmember perks: Benefits can be combined with Shell Fuel Rewards program to add additional savings per gallon, but rewards discounts applied above your cardmember perks are limited to 20 gallons of fuel per purchase.

    Issuing bank: Citi.

    The information for the Shell card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

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    Building Credit With A Gas Card

    Building credit with a gas card is a smart move, just like it would be with any other type of credit card. Whether you use a closed-loop card or a rewards credit card for bad credit, all of your credit movements and payments will be reported to one or all of the three credit bureausExperian, Equifax and TransUnion.

    To make the most out of your gas card, youll want to use it for gas and other purchases you can pay off right away. Try not to carry a balance since your interest rate will likely be on the high side, and steer clear of racking up debt you cant afford to repay.

    Sams Club Mastercard: Best For Supersized Gas Rewards

    Why we picked it: This card offers a whopping 5% cash back on gas purchases anywhere, meaning youre not limited to only filling up at Sams Club fuel stations. Cardholders also earn 3% cash back on dining and 1% cash back on other purchases, with a maximum of $5,000 cash back per year.

    Pros: Youll also receive a small account opening offer: a $30 statement credit if you spend $30 in Sams Club purchases within 30 days of account opening. Theres no annual fee, though a $45 Sams Club membership is required. Plus, as a nice surprise, there are no foreign transaction fees, a benefit highly uncommon among store-branded credit cards.

    Cons: You can only put rewards toward Sams Club expenses or statement credits, unless you redeem for cash back at the wholesale retailer. Moreover, you only receive rewards once a year in February, and those rewards expire if you dont redeem them by Dec. 31 of that same year. Youll also lose rewards if your Sams Club membership lapses before February.

    Who should apply? Sams Club shoppers can take advantage of a best-in-class return on gas purchases without restrictions on where they fill up.

    Who should skip? Although you dont have to fill up at a Sams Club to get rewarded, youll want to be in the vicinity of one if youre a carrier of this card. Rewards can only be used for Sams Club expenses or statement credits unless you redeem for cash at a physical Sams Club location.

    Read our Sams Club Mastercard review.

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    Shell Fuel Rewards Card

    The Shell Fuel Rewards Cards most lucrative benefit is its signup bonus offering a 30¢-per-gallon discount for your first five months after account opening.

    • Save 5¢ per gallon at Shell stations
    • Add additional cards at no extra cost
    • Pay no annual fee

    The majority of Shell cardholders will have fair credit or better, but some reviewers report approval with scores below 600.

    Should You Apply For The Shell Fuel Rewards Mastercard From Citibank

    DWYM: Gas credit cards

    The Shell Fuel Rewards Mastercard, issued by Citibank, is a solid gasoline rewards credit card. Its a great fit for anyone who frequently pumps their gas at Shell stations in their neighborhood and who are looking for a credit card for everyday use at Shell.

    With a suite of great discounts and the ability to earn rebates on gas for your commute, this credit card certainly stands out but be aware that while you can earn cash back towards your fuel purchases from nearly any purchase, your options for redeeming those points are very limited. This credit card essentially tethers you to one gas station brand when it comes to earning and redeeming rewards, just as many other gas cards do, like the ExxonMobil Smart Card and the Techron Advantage® Visa® Card.

    If you are looking for more flexibility when it comes to earning rewards, you might consider a card with an expanded rewards program. Many travel cards and cash back cards offer points, miles, and cash back that can be applied to a variety of perks including statement credits, merchandise, hotel stays, airfare, and more.

    In fact, there are a multitude of other options that earn rewards from gas station purchases cards like the Discover it® Cash Back Card or Citi Rewards+® Card allow you to earn rewards from purchases in the gasoline spending category even if theyre not considered a gasoline rewards card that also have much more flexibility when it comes to redeeming the rewards youve accrued.

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    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. Youll 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.

    What Others Say About The Shell Credit Card

    The Shell gas card has fairly consistent feedback from reviewers around the web, and the general consensus is: Meh. While reviewers get revved up about the introductory rewards and agree that the card’s discount is nice, most recognize that a large number of other cards offer better rewards on gas purchases and can be used in far more places.

    A review from ValuePenguin.com says:

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    How The Shell Fuel Reward Card Works

    Royal Dutch Shell, also known simply as Shell, is one of the oldest and most recognizable brands in the world. The company was established in 1897 as the Shell Transport and Trading company and sold kerosene to customers in Asia. The company operates in 70 countries globally and produces more than 3.7 million barrels of oil equivalent daily. Below, we’ll look at Shell’s and the benefits that it offers.

    Why You Can Trust Bankrate

    Shell Credit Card Review

    At Bankrate, we have a mission to demystify the credit cards industry regardless or where you are in your journey and make it one you can navigate with confidence. Our team is full of a diverse range of experts from credit card pros to data analysts and, most importantly, people who shop for credit cards just like you. With this combination of expertise and perspectives, we keep close tabs on the credit card industry year-round to:

    • Meet you wherever you are in your credit card journey to guide your information search and help you understand your options.
    • Consistently provide up-to-date, reliable market information so you’re well-equipped to make confident decisions.
    • Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you.

    At Bankrate, we focus on the points consumers care about most: rewards, welcome offers and bonuses, APR, and overall customer experience. Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next.

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    Sunoco Rewards Credit Card

    With the Sunoco card, you can get five cents off every gallon at any Sunoco station. With 6,600 locations, youll be able to use this card all around the country.

    You can get additional rewards at the pump if you register your phone number at your local grocery store website.

    You can give your family members a card at no additional cost.

    Hilton Honors American Express Surpass Card

    Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio. Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations. Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card. Plus, theres an opportunity to earn a generous welcome offer: Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 3 months of Card Membership.

    Hilton has more than 6,400 properties in 119 countries. If Hilton is your go-to hotel chain when planning a stay away from home, and if you want to earn generous rewards on gas, dining, hotel stays and more, the Hilton Honors American Express Surpass® Card is a solid choice. Plus, if you spend $15,000 on eligible purchases in a calendar year, you can earn a free weekend night reward. Be aware theres a $0 intro annual fee for the first year, then $95 annual fee, so this might not be the right card for your wallet if you only travel occasionally. Also, you can only earn the elevated rewards rates at gas stations, restaurants and supermarkets located inside the U.S.

    • 10 free visits each year to Priority Pass Select airport lounges .
    • Complimentary Hilton Honors Gold status.
    • Get Hilton Honors Diamond status through the next calendar year after $40,000 on eligible purchases.

    About the card

    Card Benefits

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    Secured Sable One Credit Card

    This offer is currently not available.

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    As with most secured credit cards, approval depends on the issuers receipt of your security deposit. This particular card is unique in that it requires no minimum deposit. The deposit is collateral, establishing a matching credit limit while protecting issuers from cardmember defaults.

    Closed-loop gas cards are notoriously easy to obtain. Some reviews report that our top recommendation, the Chevron/Texaco Techron Advantage Credit Card, has very lenient terms, accepting new cardmembers with credit scores in the high 500s. The card caps the fuel credits you can earn at only $300 per year.

    The problem with closed-loop gas rewards credit cards is that they only work at the issuers pumps. If you dont happen to be near a participating gas station when your engine starts stuttering, youre out of luck.

    One solution is to own multiple gas station closed-loop cards, which may be feasible because these cards are easy to get. Alternatively, you can get an open-loop card that works at any pump.

    Costco Anywhere Visa Card By Citi

    5 Best Shell Fuel Gas Card For Bad Credit To Build Business Credit 2021

    The Costco Anywhere Visa® Card by Citi offers 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter, 3% on restaurants & travel, 2% at Costco & Costco.com, 1% on all other purchases. Cardholders can earn the elevated rewards rate at gas stations worldwide however, gas purchased at superstores, supermarkets, convenience stores and warehouse clubs other than Costco will earn the 1% cashback rate. If you max out the $7,000 spend threshold, thats $280 back each year on gas alone.

    This card is best for Costco members. While its annual fee is $0, you must have a Costco membership, which costs $60 or $120 a year depending on the membership type you choose. Its also important to note that there are strict limitations on how you redeem your rewards earned with the Costco Anywhere Visa® Card by Citi. Costco cash rewards can only be redeemed for merchandise or cash back at Costco warehouses located in the U.S., including Puerto Rico. Plus, rewards are only distributed one time per year and must be redeemed by Dec. 31 of the year they are issued.

    • Damage and theft purchase protection.
    • Worldwide car rental insurance.
    • Special access to tickets for concerts, sporting events, and more with Citi Entertainment.
    • Foreign transaction fee: 0%.

    About the card

    Who’s This Card Best For?

    Card Benefits

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    Are Company Fuel Cards Worth It

    According to some sources, a gas card is arguably not a good idea. These sources say that fuel card interest rates run higher than a typical credit card and that companies are better off choosing another funding source. However, because of their approval rate, value, and convenience, they are one of the best to build business credit. And, for those naysayers, AtoB has a completely free offer.

    So, yes, company fuel cards are worthwhile for many people.

    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

    • The legal name of your business.
    • Contact and billing information for your business.
    • Your business structure and when it was founded.
    • The 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 doesnt specify a minimum credit score for this card. However, youll typically have a better chance of approval with a score of 580 or higher typically whats considered fair to good credit.

    Though this is a business card, youll 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.

    Recommended Reading: How Is Credit Score Determined

    Alternative Gas Card Option To Build Credit

    If you have at least fair credit, you should consider the Shell Gas Card. The card has a $0 annual fee and it reports to the three major credit bureaus TransUnion, Experian and Equifax on a monthly basis. The Shell Gas Card also offers 10 ¢ per gallon every time you fill up. However, this card can only be used to make Shell purchases.

    Ultimately, there are a lot of great credit cards for gas on the market, so be sure to check out your options before applying.

    What are the best easy approval gas credit cards?

    One of the best easy approval gas credit cards is the Discover it® Secured Credit Card. Its easy to get approved for this card even if you have bad credit, and you will enjoy a $0 annual fee as well as 2% cash back on up to $1,000 spent at gas stations and restaurants each quarter. There are no restrictions on what gas stations are eligible for rewards, so its one of the most flexible options.read full answer

    The Discover it Secured Credit Card isnt the only gas rewards card thats easy to get. But most other offers require fair credit or better.

    Here are some of the best easy approval gas credit cards:

    The best easy approval gas card for you will depend on where you fill up and how good your credit is. But no matter what card you get, make sure to pay your bill on time every month. That will help you build credit and qualify for one of the best gas rewards credit cards.

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