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Gas station credit cards or
rewards credit cards?
Many gas stations offer branded credit cards that may help you save money at the pump. But are they really good at it? Will you benefit from having a gas-branded credit card? Let's take the Drive Savvy® Rewards Credit Card. It may save you a lot but only at Phillips 66®, Conoco®, and 76® locations, which already limits your options. If you compare this Phillips 66 credit card with a regular gas rewards credit card, you will see the difference, and which card is the best credit card for gas rewards.
Compare rewards credit cards to find the best
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top credit card WITH REWARDS
2021
GREAT BONUS OFFER
INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
GOOD REWARDS
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
- Plus, earn unlimited 1% cash back on all other purchases - automatically.
” Expert's opinion
The no annual fee Discover it® Cash Back card has rotating category bonuses that change every year and gas purchases appear in the bonus category once a year. Earnings in categories are as high as 5% cash back up to the quarterly maximum (activation is required). That means you will earn 5% cash back on gas purchases at least one quarter each year - unbeatable offer for those who are planning to be on the road sometime in the near future. The base rewards are 1% cash back.
Why rewards cards are
more flexible THAN GAS ONLY
CREDIT CARDS?

Gas station credit cards usually give a gallon-based discount not a percentage of the total cost of a purchase transaction. So, when the gas prices go up, your earnings will actually go down if you use gas only credit cards. For example, the Drive Savvy® Rewards Credit Card allows you to save 5 cents on every gallon but only at participating Phillips 66®, Conoco®, and 76® gas stations and only if you make 45-110 gallons of Fuel Purchases in the billing cycle. Gas rewards cards work differently. They reward you for each dollar spent at any gas station meaning the more you spend, the more you earn. Best gas rewards cards give from 2% to 5% rebates on gas purchases and at least 1% rebate on everything, which is much higher that co-branded rewards only.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
- Plus, earn unlimited 1% cash back on all other purchases - automatically.

When you use a gas station credit card, you either get instant discount or earn rewards that can be later redeemed as fuel credits or statement credits towards gas purchases only. Everything you earn with a gas branded credit card can be redeemed towards gas only. A gas rewards credit card can offer more redemption options and won't require you to redeem all earned rewards for gas purchases. With a gas rewards credit card, you can choose to redeem for cash, gift cards, statement credits, merchandise or travel, depending on what options are offered with the card.

Gas-branded credit cards may have easier approval but have high annual percentage rate (APR). The reason behind this is that they are often approved to people with fair credit who are looking to rebuild their credit. People with good credit are not approved for lower APRs, they are also given high interest rates - gas branded credit cards make no exceptions. Carrying a balance on these credit cards is very expensive. So, if your credit is good and if you do not have a habit of paying off the card balance in full each month, you may want to get a better credit card that will give you a lower interest rate.
questions ABOUT
GAS CREDIT CARDS
I usually refill at Drive Savvy group (76, Conoco and Phillips 66). I was thinking of their personal credit card, Drive Savvy, but I can't make up how many rewards I'm going to get for each refill.
Well, the earning rate is equal to 5c per gallon provided that you purchase 45 gallons or more during the billing cycle. You can earn a maximum of $99 for 12 months. If you want more ability or are frustrated with the...
Read moreI once had a Phillips 66 credit card and now I want to renew my account, how can I do that?
Most likely you won’t be able to renew your old account. You will have to fill out and submit a new credit card application. You can look for credit card application form on the gas station official website or you can...
Read moreDoes Phillips 66 credit card good for someone without credit? I want to build some credit and think of getting this card because I often buy gas at Phillips 66 and Conoco.
Such credit cards as Phillips 66 credit card are usually offered to people with established credit. Since you do not have any established credit, your chances to qualify are low. Also, this card has a pretty high...
Read morecomments ABOUT
GAS CREDIT CARDS
** When credit card savings are given per dollar spent and not per gallon, the savings per gallon are calculated based on an average price per gallon in the U.S. To calculate savings per 1 gallon, we take the current U.S. average gas price and multiply it by gas savings per dollar the card offers. The U.S. average gas price per gallon that we use is $2.75