Gas Station Branded Credit Cards

 

You have probably seen many offers to apply for a Gas Station Branded Credit Cards (e.g. Sunoco, Shell, BP, ExxonMobil, Lukoil, and so on) so the question is if it makes sense to get one.

The answer is most probably not, unless you primarily use only one brand (say Sunoco) and the fuel cost there is similar or lower compared to other gas stations in your area.

The one worth considering is Exxon/Mobil card where you'll get a 7.5% cash back (assuming gas price of $2 per gallon) on gas purchases at these stations.

 

Here's the summary of some Branded Cards available in Philadelphia area.

 

Gas Station	Teaser Offer	Core Offer (at Station)	Core Offer (other purchases)
BP (Chase)	n/a	5% rebates on all BP location purchases	2% rebate on travel and dining 1% rebate on other purchases
Hess (Chase)	First 90 days: 10% on all HESS gas, merchandise, and food purchases	5% on all HESS gas, merchandise, and food purchases	1% on all other purchases
Lukoil / Getty (Barclays)	First 60 Days: 8% in rebates at any Lukoil or Getty, 2% on all other purchases, $10 Bonus with first use	4% in rebates at any LUKOIL or GETTY location	1% on all other purchases
Gulf (Barclays)	n/a	3% for all purchases at Gulf locations	1% on all other purchases
Sunoco (Citi)	$25 Sunoco gift card after $100 in purchases at Sunoco within first 60 days; another $25 Sunoco gift card after $500 in purchases within first 60 days	3 ThankYou Points per gallon of fuel at Sunoco on your 1st and 2nd purchases in a billing period 10 ThankYou Points per gallon of fuel at Sunoco on your 3rd and subsequent purchases in a billing period	1 ThankYou Point for every $1 on all other purchases
Wawa (First USA)	First 60 days: 10% Rebate on Wawa Gas and other Wawa purchases. 2% Rebate everywhere else	3% rebate on Wawa net purchases	1% on all other purchases
Exxon/ Mobil (Citi)	n/a	Rebates of $0.15 per gallon on eligible gasoline purchases made at Exxon and Mobil	Rebates of up to 2% on other purchases annually*
Shell (Citi)	n/a	5% rebates on Shell gas purchases	1% on all other purchases

* 0.5% on your total annual Other Purchases up to $999; 1.0% on your total annual Other Purchases over $999 and up to $5,999; 2.0% on your annual Other Purchases over $5,999 and up to $10,000; and 1% on your total annual Other Purchases over $10,000.

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