5 Best Gas Cards For Bad Credit In 2014

Posted by CreditCardGuru

gas pump payment terminalIf you have a bad credit score, there’s more than one reason why gas credit cards can be useful:

  1. Saving money on fuel
  2. Some are easier to qualify for
  3. Most don’t charge an annual fee

So which are the best gas credit cards for people with bad credit? Here are a few to think about…

1. Clark Credit Card

If you live in an area where there are Clark stations, this is perhaps the most lucrative choice for gasoline rewards – it gives a wopping 4% rebate. That can really add up if you drive very much.

The bad news? It’s a MasterCard (vs. store-only card) and as a result, you can’t have downright bad credit and still get this card.

But, if your credit isn’t fabulous but still good enough for a general purpose credit card (from Visa, MasterCard, Discover Card or American Express) but you still want a gas rewards card, then try applying for the Clark MasterCard. I would estimate that fairly average credit scores in the mid-600s still might qualify. Here is the Clark gas card review.

2. Shell “Drive For Five” Card

Despite its marketing, this card is hardly rewarding…

It gives a 5 cent rebate per gallon, but only if you buy at least 45 gallons of Shell fuel per month. Buy less than that, you don’t get the rebate.

And, when prices at the pump are $4.00+ that means your rewards are the equivalent of only 1.25% cash back (or less), so at current levels around $3.50 a gallon it’s even worse.

That being said, if you want a credit card with no fee that has fairly forgiving approval terms, then it’s worth checking out. Watch out though for the stratospheric 24.99% interest rate – it’s definitely not a card for carrying balances over time. A more thorough review of the Shell credit card will explain everything you need to know about it.

3. ExxonMobil Personal Card

This will be one of the easiest to get for people with bad credit. It’s no frills all the way:

  • It can only be used at ExxonMobil stations
  • There is no rewards program
  • The interest rate is quite high

Why would anyone find that appealing? I can only think of a single reason… it could be a good choice if you are at the first stage of rebuilding if you have bad credit or just need a first card to start out your credit life with. If you want to start with 3-4 credit cards that are low or no cost, this could be one of them. But it will become quite costly if you ever carry a balance with an ExxonMobil card, so don’t even think about racking up more than you can afford to pay off at the end of the month.

4. Regular Marathon Card

If you live in the Midwest, there’s a good chance Marathon stations are in your neck of the woods (there are over 5,000 of them). Out of all the gas credit cards for bad credit, this one has a couple of noteworthy benefits:

  • Rewards? Surprisingly. yes. As you’ve seen so far, that’s a rarity for entry-level gas station accounts. The Marathon card gives a 2 cent/gallon rebate. Of course in times of high gas prices, that would hardly equate to a half-percent, but it is better than nothing.
  • Ohio-based customer service. On the application they make note of the fact that customer service is in Ohio. It’s not often that cards for bad/fair credit offer U.S. call centers, so this is a pleasant surprise.
  • No annual fee.

You can learn more about the Marathon card here before applying.

5. Meijer credit card

This is another one that’s included for our readers in the Midwest. For anyone with good or great credit, this card is actually not a good choice.

So why is it recommended? These 3 reasons:

  • It can be used for more than just gas. Their card can be used at their stores as well their gas stations. This makes it a lot more useful than your typical gas station card.
  • It gives rewards, albeit dismal. Again keeping things in perspective, for this category it’s rare to have a rewards program. This card will chuck back a few pennies on fuel as well as your grocery purchases at Meijers.
  • There’s no annual fee.

With its excessively high interest rate, be careful to always pay your bill in full each month. Here is a more in-depth Meijer card review.

Your bad credit leaves few options…

With the exception of the Clark card (which is more for fair credit) almost any entry-level gas station credit card is going to be a lousy deal. In fact, there are bank-issued cards for people with good credit which give significantly higher fuel rebates, at all brands of stations. So ironically, you can earn higher fuel rewards by using a card that is not affiliated with a given brand.

Really it means that station-branded cards have only one purpose – using them as a bridge to either rebuild your credit if it isn’t in good shape or to establish a credit history if you’re just starting out. However, if you’re a college student it can be a better strategy to apply for a student credit card that is tailored for those with little credit history and not even go the gas card route.

However, for most people with bad credit it can be a good strategy to go with a gas store card starting out, along with maybe a good secured credit card.


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Editorial Disclosure: The editorial content on this page is not provided by any bank, credit card issuer, airline or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone, not those of the bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

22 comments... read them below or add your own

  1. Michael Rogers April 27, 2014 at 8:19PM

    I found this to be very helpful and in not me wasting time filling out credit aps that would not probably be approved., thank you

    • Erica mapps June 16, 2014 at 5:11PM

      When i was younger i didnt no better at all

  2. Randy April 26, 2014 at 9:01PM

    Need a good gas card but have bad credit due to having to bankrupt any suggestions.

  3. tametha March 22, 2014 at 12:54PM

    I would like to open a gas card but my credit is not all that good

  4. donrp49@aol.com March 13, 2014 at 9:37PM

    come on people , apply? dont get your feeling hurt, we have all been turned down. you just got to keep trying. try bp, shell, marothron, chevron texeco, pilot, exxon, etc etc. they will give you credit. just be honest on app. i have them all with lousy credit, dont give up.

  5. donrp49@aol.com March 13, 2014 at 9:30PM

    come on people, if you got bad credit, try to get cards, never go over half of whats onit. always pay it off are dont leave over 25 bucks on it. never pay it off, unlessu intened to drop it. the more cards you got that builds your credit, just dont use them up. never, i repete never go over half of what it si. your credit will come up and you can get what you want, been there done that and want do it again. just trying to help you. i have went from a400mand something to almost a 700 now. i have about 12 credit cards , gas, and credit now. pleasedo as i suggested and you can do the same as me. i do not max my cards out and i always remember that every dollar i put on my cards have to be payed off on the 1st of the month. GOOD LUCK GUYS AND GIRLS. IDONE IT AND YOU CAN TO.

    • Octavia June 15, 2014 at 12:50PM

      Where did you get your first card from to help you build your credit? That’s the problem i’m having now. I go to about all the credit card sites for bad or poor credit and i still get denied a card with just a $200 credit limit! I’m not understanding what I need to do or what i’m doing wrong for the fact.

      • hard at work July 27, 2014 at 8:47PM

        I went to Barclay card I have bad credit got approved with a 500.00 limit.

  6. Elizabeth G. October 30, 2013 at 9:35AM

    I have bad credit but have a few cards, but would like to get a gas credit card just for gas for my husband, – Elizabeth

  7. jennifer gardner October 26, 2013 at 11:30AM

    Looking for something to help build up my credit.

    • Eugene Murray January 20, 2014 at 12:14PM

      Yes I am trying to buy a house, and I was told I needed to build my credit score up because me and my son have the same name, and all of his credit scores and bills keep coming up on my credit score.

    • kenneth burdge January 25, 2014 at 5:48PM

      i need some one to help me build my credit up again

  8. tito p August 13, 2013 at 7:42AM

    Who are you guys talking to? There is nobody on the other end that will (or can) help you. This is for comments, like – the APR doesn’t matter if you pay off the balance every month. Look for cards with no annual fee and you can rebuild/establish credit for free…

  9. lazaro nogueira July 26, 2013 at 7:10AM

    I need help finding a gas card my credit is kinda bad but dnt know how bad can you help …. thanks

    • CLAY September 27, 2013 at 9:57AM

      WITH BAD CREDIT YOU HAVE TO START OFF WITH SECURE LOANS OR CREDIT CARDS FOR AT LEAST A YEAR TO BUILD YOURSELF UP /GET NEGATIVE ACCOUNTS OFF YOUR CREDIT

  10. Robert Chandler June 28, 2013 at 9:38AM

    Need a gas card to help build credit

    • tamika July 1, 2013 at 7:30PM

      I am try to build credit too. When I was younger I didn’t know any better.

    • Al Hogan April 2, 2014 at 12:12PM

      I need a gas card

  11. maxine gaye April 5, 2013 at 1:26PM

    I would like to open a gas card.

    • kenneth burdge January 25, 2014 at 5:49PM

      iwould like to open a gas card

    • sheila January 26, 2014 at 1:19PM

      I would like to open a gas card I have bad credit

  12. javier March 14, 2013 at 5:26PM

    Need help to open a credit line….

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