Gas credit cards are an excellent way to save money on gas purchases while earning rewards, cashback, and other incentives. But with so many options available, finding the right gas credit card can be challenging, especially if you have a low credit score or limited credit history. In this article, we will explore the top gas credit cards that are easy to get, factors to consider when choosing a card, and tips for applying.
Before applying for a gas credit card, it’s essential to understand the factors that lenders consider when approving your application. Here are some factors you should consider when choosing easy-to-get gas credit cards.
Credit Score Requirements
Most gas credit cards require a minimum credit score to qualify for approval. If you have a low credit score, you may want to consider applying for credit cards that accept applicants with lower credit scores or secured credit cards. Secured credit cards require a security deposit, which serves as collateral for your credit limit.
Income Requirements
Lenders also consider your income when approving your application. A higher income can increase your chances of approval and qualify you for higher credit limits. If you have a lower income, you may want to apply for credit cards with lower income requirements or secured credit cards.
Annual Fees
Some gas credit cards come with annual fees, which can range from $0 to $99 or more. When choosing a gas credit card, consider the annual fee and whether the rewards and incentives outweigh the cost.
Rewards and Cash Back Programs
Most gas credit cards offer rewards and cashback programs, which can help you save money on gas purchases. When choosing a gas credit card, consider the rewards and cashback programs and whether they align with your spending habits.
APR and Interest Rates
Gas credit cards come with variable APR and interest rates, which can range from 0% to 30% or more. When choosing a gas credit card, consider the APR and interest rates and whether you can pay off your balance in full each month to avoid paying interest.
Credit Limits
Gas credit cards come with different credit limits based on your credit score, income, and other factors. When choosing a gas credit card, consider the credit limit and whether it aligns with your spending habits and needs.
In the next sections, we will explore the top easy-to-get gas credit cards and compare their features and benefits.
Top Easy-to-Get Gas Credit Cards
Here are the top gas credit cards that are easy to get and offer excellent rewards and incentives.
Discover it Secured Credit Card
The Discover it Secured Credit Card is an excellent option for those with low credit scores or limited credit history. It requires a security deposit, which serves as collateral for your credit limit, and offers cashback rewards on gas purchases, restaurants, and more. It also offers 100% U.S.-based customer service and has no annual fee.
Capital One Platinum Credit Card
The Capital One Platinum Credit Card is an excellent option for those with average credit scores. It offers no annual fee, fraud coverage, online banking, and unlimited access to your credit score. It also offers an optional credit line increase after five months of on-time payments.
Credit One Bank Platinum Visa
The Credit One Bank Platinum Visa is an excellent option for those with low credit scores. It offers cashback rewards on gas purchases, restaurants, and more, and has no security deposit requirement. It also offers free online access to your credit score and no annual fee for the first year.
Chevron and Texaco Gas Card
The Chevron and Texaco Gas Card is an excellent option for those who frequently purchase gas at Chevron or Texaco stations. It offers fuel credits, no annual fee, and a quick and easy application process. However, it can only be used at Chevron or Texaco gas stations.
Shell Gas Card
The Shell Gas Card is an excellent option for those who frequently purchase gas at Shell stations. It offers a 10-cent-per-gallon discount on your first five Shell fuel purchases, no annual fee, and the ability to link to your Shell Fuel Rewards account. However, it can only be used at Shell gas stations.
ExxonMobil Smart Card
The ExxonMobil Smart Card is an excellent option for those who frequently purchase gas at Exxon or Mobil stations. It offers a six-cent-per-gallon discount on your first 100 gallons per billing cycle, no annual fee, and the ability to link to your ExxonMobil Rewards+ account. However, it can only be used at Exxon or Mobil gas stations.
Walmart Credit Card
The Walmart Credit Card is an excellent option for those who frequently purchase gas at Walmart gas stations. It offers a three-cent-per-gallon discount on gas purchases, no annual fee, and cashback rewards on Walmart purchases. However, it can only be used at Walmart gas stations.
Comparison of Easy-to-Get Gas Credit Cards
Here is a comparison of the top gas credit cards that are easy to get, their features, benefits, and drawbacks.
| Credit Card | Credit Score Requirement | Annual Fee | Rewards/Cashback | APR/Interest Rate | Pros | Cons |
|---|---|---|---|---|---|---|
| Discover it Secured Credit Card | None | $0 | Cashback on gas purchases, restaurants, and more | Variable APR | No annual fee, 100% U.S.-based customer service | Requires a security deposit |
| Capital One Platinum Credit Card | Average | $0 | None | Variable APR | No annual fee, optional credit line increase after five months of on-time payments | No rewards or cashback |
| Credit One Bank Platinum Visa | Low | $0 for the first year, then $0-$99 | Cashback on gas purchases, restaurants, and more | Variable APR | No security deposit requirement, free online access to credit score | Annual fee after the first year |
| Chevron and Texaco Gas Card | None | $0 | Fuel credits | Variable APR | No annual fee, quick and easy application process | Can only be used at Chevron and Texaco gas stations |
| Shell Gas Card | None | $0 | 10-cent-per-gallon discount on your first five Shell fuel purchases | Variable APR | No annual fee, can link to Shell Fuel Rewards account | Can only be used at Shell gas stations |
| ExxonMobil Smart Card | None | $0 | Six-cent-per-gallon discount on your first 100 gallons per billing cycle | Variable APR | No annual fee, can link to ExxonMobil Rewards+ account | Can only be used at Exxon or Mobil gas stations |
| Walmart Credit Card | None | $0 | Three-cent-per-gallon discount on gas purchases, cashback rewards on Walmart purchases | Variable APR | No annual fee, can only be used at Walmart gas stations | Limited to Walmart gas stations |
When choosing a gas credit card, consider the credit score requirement, annual fee, rewards, APR/interest rate, and limitations. The comparison chart can help you determine which card aligns with your spending habits and needs.
Tips for Applying for Easy-to-Get Gas Credit Cards
Applying for gas credit cards can affect your credit score, so it’s essential to apply wisely. Here are some tips for applying for easy-to-get gas credit cards.
Improve Credit Score Before Applying
Improving your credit score before applying can increase your chances of approval and qualify you for better credit cards. You can improve your credit score by paying your bills on time, reducing your credit utilization, and disputing any errors on your credit report.
Have a Steady Income
Having a steady income can increase your chances of approval and qualify you for higher credit limits. When applying for gas credit cards, lenders will consider your income to ensure that you can repay the debt.
Apply for Cards with Lower Credit Score Requirements
Some gas credit cards accept applicants with lower credit scores, making them easier to get approved. Applying for cards with lower credit score requirements can increase your chances of approval and help you build your credit history.
Avoid Too Many Hard Inquiries on Credit Report
Applying for multiple credit cards or loans can result in multiple hard inquiries on your credit report, which can lower your credit score. Before applying for gas credit cards, research the eligibility requirements and apply for cards that align with your credit score and income.
Conclusion
In conclusion, gas credit cards are an excellent way to save money on gas purchases while earning rewards and cashback. When choosing easy-to-get gas credit cards, consider the credit score requirements, income requirements, annual fees, rewards and cashback programs, APR and interest rates, and credit limits. To increase your chances of approval, improve your credit score, have a steady income, apply for cards with lower credit score requirements, and avoid too many hard inquiries on your credit report. With the top gas credit cards listed in this article, you can find the right gas credit card that aligns with your spending habits and needs. At Gogo Gidget, we provide the latest tips on technology and personal finance to help you make informed decisions.
