12 Best Gas Cards for Bad Credit 2021

Gas Cards For Bad Credit
GUIDE
Anne Chumley
By: Anne Chumley
Updated: August 10, 2021
Advertiser Disclosure

Over the last 150 years, gasoline (and its cruder iterations) has gone from a somewhat-useful product to one of vital importance for hundreds of millions of people. Approximately 143 billion gallons of gasoline were consumed in 2016 in the US alone — enough to fill over 200,000 Olympic-sized swimming pools.

And unfortunately, all that gasoline doesn’t come cheap; the historical average (in 2015 dollars) is around $2.20 per gallon. Since the average person drives 29 miles a day, that’s over $930 a year just in gas purchases — assuming your car gets the average 25.5 miles per gallon.

For many consumers, one of the best ways to save on that big fuel bill is to use a gas rewards credit card. While most gas station-branded cards are out of reach for bad-credit applicants, you can still save money — or, at least, time — at the pump with the right card. In the article below, we explore some of our picks for the best gas cards for bad credit, including rewards cards, unsecured cards, secured cards, and cards tied to specific gas stations.

Rewards Cards | Unsecured Cards | Secured Cards | Station-Specific Cards

Best Gas Station Rewards Cards for Bad Credit

After a while of ceaseless searching, the idea of finding a rewards card with bad credit can feel a bit like looking for Nessie in a rowboat. Thankfully, you won’t need to set sail to find a rewards card with flexible credit requirements — but you may need to make a deposit or pay an annual fee, depending on the type of card you want.

The most important thing to keep in mind with a rewards card is that those rewards will be quickly overwhelmed by interest fees if you carry a balance from month to month. Take a look at some of our favorite picks for bad-credit rewards cards to see what kind of deals are out there.

  • See if you Prequalify without harming your credit score
  • Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Automatic reviews for credit line increase opportunities
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • View your free online access to your Experian credit score, terms apply
  • This unsecured card requires no deposit and can help build your credit
  • Choose your monthly payment due date for added convenience, terms apply
  • Never miss an account update with customizable text and email alerts
  • Manage your account on-the-go with the Credit One Bank mobile app
  • Show off your personality by selecting from a variety of card designs, a fee may apply
  • Click here for official site, terms, and details.
★★★★

4.3

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
8 minutes 23.99% Variable Yes 9.0/10

2. Discover it® Secured

A rarity in both the subprime and secured credit card worlds, the Discover it® Secured card not only offers unlimited cash back rewards on all purchases, but also provides bonus rewards for restaurant and gas station purchases.

Discover it® Secured Card

  • Earn 2% cash back at restaurants and gas stations
  • Earn 1% cash back on all other purchases
  • Pay no annual fee

As a secured credit card, the Discover it® Secured card will require an initial deposit to open your account. The minimum deposit for a Discover it® Secured card is $200.

Best Unsecured Credit Cards for Bad Credit

In some cases, you may not be as concerned with earning rewards on your gas purchases as you are being able to make those purchases quickly and easily at the pump. A general, all-purpose unsecured credit card can give you a manageable line of credit, no deposit required. Our top-rated picks below are a great place to start comparing your options.

  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Mastercard Zero Fraud Liability Protection (subject to Mastercard guidelines)
  • Checking Account Required
  • Click here for official site, terms, and details.
★★★★★

4.8

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
9 Minutes 24.99% - 29.99% (Variable) Yes 8.5/10
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000* (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Checking Account Required
  • Click here for official site, terms, and details.
★★★★★

4.6

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
24.99% - 29.99% (Variable) Yes 8.0/10
  • Easy pre-qualification process with fast response
  • Less than perfect credit is okay
  • Online servicing available 24/7 at no additional cost
  • Unsecured credit card, no security deposit required
  • Account history is reported to the three major credit bureaus in the U.S.
  • Click here for official site, terms, and details.
★★★★★

4.6

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
8 Minutes 24.9% Yes 8.0/10

+See More Unsecured Credit Cards for Bad Credit

While unsecured credit cards won’t require an initial deposit, most subprime unsecured cards will come with annual fees, as well as typically charging higher interest rates than prime or secured credit cards. Be sure to pay off your credit card balance in full every billing cycle to avoid being charged high interest fees.

Best Secured Credit Cards for Bad Credit

Although they require an initial deposit, secured credit cards can be a better option than unsecured cards for some consumers, particularly because secured credit cards tend to have lower fees and lower interest rates than subprime unsecured cards. Additionally, your security deposit is fully refundable — unlike unsecured card fees.

With a secured card, your credit line is determined by your deposit amount, so secured cards may provide a higher credit limit for bad-credit applicants than an unsecured card. For example, some of our expert-rated secured credit cards allow deposits — and, thus, credit limits — of up to $5,000.

  • Start building your positive U.S. Credit history today
  • Get real-time credit history and make every purchase count towards building your credit. Plus, get $25 when you build your credit score to a 700+ credit score within 12 months of use.
  • Up to 2% cash back on select purchases up to 1% cash back on all other purchases
  • Mastercard Car Rental Insurance
  • Cell phone protection, including cracked screens
  • Zero liability on purchases and much more!
  • No annual fee or late payment fee
  • Click here for official site, terms, and details.
   
★★★★★

4.8

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
10 Minutes Prime + 6.99% Yes 7.0
  • Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using
  • Absolutely No Credit Check or Minimum Credit Score Required
  • Automatic Reporting to All Three National Credit Bureaus
  • 9.99% Low Fixed APR - Your Rate Won’t Go Up Even if You Are Late
  • Activate Today with a $200 Minimum Deposit - Maximum $1,000.
  • Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
  • Click here for official site, terms, and details.
★★★★

4.4

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
10 Minutes 9.99% Fixed Yes 7.5/10
  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences and insights from others on our Facebook Fan page. (Search “OpenSky Card” on Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • View our Cardholder Agreement located at the bottom of the application page for details of the card.
  • Click here for official site, terms, and details.
★★★★

4.2

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
9 Minutes 17.39% (Variable) Yes 7/10

+See More Secured Credit Cards for Bad Credit

If you aren’t capable of putting down a large deposit up front, you can still open a secured credit card as long as you can manage at least the minimum required deposit. That’s because most secured credit cards allow you to add to your deposit at any time, giving you control over the size of your credit limit.

Most Gas Station Credit Cards Require Fair Credit

As with any type credit card, the better your credit score is, the better your chances of qualifying. The vast majority of gas-station branded credit cards will want you to have at least fair credit, which means a FICO credit score above 580, and applicants with scores above 650 will have the best approval odds.

That being said, each credit card issuer has its own particular standards, and few companies actually have hard-and-fast minimum credit score requirements. Instead, specific red flags — or the lack thereof — may be a more important deciding factor. Remember that each new credit application will result in a hard credit inquiry, which can damage your credit, so be wise about how often you apply for a new card.

9. Chevron/Texaco Techron Advantage™ Card

While you can select cards specific to either Chevron or Texaco, the Chevron/Texaco Techron Advantage™ Card is the most versatile because it can be used at any Chevron or Texaco gas station.

Chevron/Texaco Techron Advantage™ Card

  • Earn 3¢ per gallon in fuel credits at Chevron or Texaco stations
  • Receive exclusive cardholder offers and discounts
  • Pay no annual fee

Although most sources recommend having at least fair to good credit for the best chances of approval, multiple reviewers report being approved with FICO credit scores in the low-600s, with several even reporting scores in the upper-500s at time of approval.

10. Shell Drive for Five Card

While the Shell Drive for Five Card offers an okay per-gallon savings year-round, its most lucrative benefit is its signup bonus offering a 25¢-per-gallon discount for your first two months after account opening.

Shell Drive for Five Card

  • Save 5¢ per gallon at Shell stations
  • Add additional cards at no extra cost
  • Pay no annual fee

The majority of Shell cardholders will have fair credit or better, but some reviewers report approval with scores below 600.

11. Valero Credit Card

Best for those who drive gas-guzzlers, the Valero Credit Card requires you to purchase at least 50 gallons of gas (with your card) per billing cycle to earn gas rebates. Earn 4¢ per gallon when you purchase 50 to 74.9 gallons a cycle, and 8¢ per gallon if you purchase 75 or more gallons per cycle, to a maximum of 110 gallons.

Valero Credit Card

  • Earn up to 8¢ per gallon in gas rebates at Valero stations
  • Manage your account and fuel rebates online
  • Pay no annual fee

The lowest scores reported for the Valero credit card are between 551 and 600, but the bulk of approved applicants have at least fair credit.

Save Time — & Money — Every Time You Fill Up

For well over 100 years, the gas-powered engine has been the cornerstone of American transportation, epitomized by the consumer automobile’s presence in nearly every driveway in the country. And despite predictions that our beloved combustion engines will be usurped by electric vehicles within the next few decades, it’s probably safe to say that trips to the gas station aren’t a piece of the past quite yet.

So, the only thing for most of us to do is try to make the best of those trips, perhaps by finding a quality rewards card to take the edge off of filling up. At the very least, you can save time on every fuel up by simply using your trusty credit card to pay at the pump, potentially shaving a few minutes (and a lot of hassle) off every stop.

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