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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 apply for the Discover it® Cash Back credit card that will allow you to earn 1% cash back on all your purchases and 5% cash back during any rotating category quarter for gas stations up to the quarterly maximum (you have to enroll each time to get it). All the cash back you've earned at the end of your first year will be matched, automatically (providing you are a new cardmember). The card comes without annual fee.