The QT credit card is issued by UMB and they are known for their strict policies when it comes to credit card approval. But there are other banks that can approve you. Those banks do not offer QT credit cards but they offer gas rewards credit cards. For example, you can qualify for the credit card that will allow you to earn double cash back on gas purchases at any gas station, including QT. Groceries and utilities will also earn double cash back, and all other purchases will earn 1x cash back rewards. The card comes without annual fee. You can keep it as a credit card for gas purchases solely or you can use it as your primary card.