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Most co-branded credit cards like Speedway credit card won’t require you to have excellent credit to qualify. It is often enough to have fair credit to get such card. However, if you want to apply for this card simply because of rewards it gives, you may want to skip this offer and apply for their free Speedy Rewards program. You won’t get line of credit but will be able to earn rewards. Also, applying for their loyalty program won’t hurt your credit score.