How Much Do Shell Cards Really Save on Gas?

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How Much Do Shell Cards Really Save on Gas?


Updated: April 6, 2018

The content is accurate at the time of publication and is subject to change.
This content is not provided by Citi. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the Citi.
Learn How To Save Money On Your Monthly Shell Fuel Expenses

There is an endless amount of gas cards on the market, and practically every major gas station, including Shell, has options to choose from. In fact, Shell offers two options for gas cards for consumers. And to convert you from an everyday customer to a cardholder, they plaster colorful advertisements all over the gas pumps detailing how much you’ll save. But are Shell gas cards really worth it? The answer depends on a number of key factors, including your monthly consumption.

Shell Drive for Five Card

This is a store-branded charge card that can only be used at participating Shell gas stations.

Fees
Shell Drive for Five® Card
The fees for this card are as follows:
  • APR: 26.74%8
  • Annual Fee: None8
  • Late-Payment: Up to $388
  • Returned Payment: See terms
Cardholder Perks
Five Cents Discount

As a cardholder, you’ll receive five cents off every gallon of Shell Fuel, including Shell Nitrogen Enriched Gasolines, issued in the form of a statement credit. There is no minimum purchase requirement and no cap on the amount you can save.

Online Account Management

You will be able to view transactions, pay your bill, request additional cards, review unbilled charges and current statements through online account access.

ATM Cash Access

The Shell Drive for Five Card enables you to withdraw cash from your local ATM, but a fee equivalent to the higher of $108 or 5%8 of the amount advanced applies. You will also have to pay a higher APR of 29.99%8 percent for the transaction. However, this is a major plus as most store branded cards don’t offer access to ATM cash withdrawals.

Save 5¢ on every gallon of Shell Fuel every day, every fill-up.
Drawbacks
Minimal Incentives for Loyal Customers

Beyond the standard discount of five cents per gallon, there’s no real incentive to apply for this card. And it doesn’t help that it can only be used at Shell stations.

Mediocre Discount

Any money saved is better than no money saved, but the discount of five cents per gallon isn’t all that impressive. Case in point: if you purchase 60 gallons of gas each month at $2.00 per gallon, you will save $3 each month. You may be better off signing up for the rewards program at your local gas station to derive a comparable benefit.

Shell Platinum Select Mastercard

The Shell Platinum Select Mastercard can be used anywhere around the world where Mastercard is accepted.

Fees
Shell Platinum Select® MasterCard®

Cardholders will not be assessed an annual fee, but the APR is a whopping 24.99 percent. A late payment and returned payment fee of up to $37 also applies. And if you use the card while traveling abroad, a foreign transaction fee of 3%8 will be applied to all purchases.

Cardholder Perks

Cardholders can save up to 20 cents per gallon via the tiered discount system. Here’s how it works:

  • 10 cents off when you spend between $500 and $999.99
  • 15 cents off when you spend between $1,000 and $2,499.99
  • 20 cents off when you spend over $2,499.99

The discount is limited to the first 100 gallons of Shell gasoline or diesel purchases each billing cycle, and the savings are issued as a statement credit the following cycle.

Get
10 ¢ off
15 ¢ off
20 ¢ off
when you
spend
$500 - $999.99
$1,000 - $2,499.99
over $2,499.99
Drawbacks

No Rewards System
The tiered discounts are much better than what you get with the Shell Drive for Five charge card, but there aren’t any other real incentives for account holders who are also loyal customers.

Which Card Is Right for You?

While both cards enable you to save money on your gasoline purchases, there are no other impressive benefits if you’re looking for something more in a credit card. However, Shell gas cards may be ideal if you have less than perfect credit since they sometimes extend lower credit limits to risky borrowers.

Pick an alternative that suits you best:
Sorry, we do not currently offer online application for this card!
Choose an Alternative to Use at Shell Gas Stations:
Pay at the pump convenience
Apply See Details


Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
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  • Marilyn R. Cooper

    Got Drive for five card to rebuild my credit. The credit limit was low but I don’t use Shell stations all the time. In a year moved on to a Visa card.

  • Betty Altamirano

    I had Shell card in the past, but when we moved and there was no Shell gas stations around, this card was of no use for me. I changed it to the cash back card and I actully save more cause I get rewards even for grocery shopping.

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