The Shell Gas Rewards bank card, issued by Citi, has no annual price and gives an instantaneous low cost every time you prime off your tank at Shell. You can even earn gas rebates for nonfuel purchases, however these rebates include restrictions and an expiration date.
Even for those who’re a highway warrior, it is best to depart this card within the storage and think about a extra normal rewards bank card that earns a bonus at gasoline stations.
Listed here are 5 issues to know in regards to the Shell bank card.
1. There are two variations of the cardboard
Like many brand-specific retail playing cards, the Shell Gas Rewards bank card is available in two flavors:
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The Shell Gas Rewards Card: It is a “closed-loop” card, which means it could solely be used at Shell.
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The Shell Gas Rewards Mastercard: That is an open-loop card that can be utilized wherever Mastercard is accepted.
For those who apply for the Mastercard model however lack the credit score historical past to qualify, Citi will robotically use that software to think about you for the closed-loop model.
2. It earns reductions on present and future gas purchases
Holders of both card will obtain Gold Standing within the Shell Gas Rewards program and earn an instantaneous low cost on the pump. Nonfuel purchases earn rewards within the type of gas rebates which are robotically utilized as an announcement credit score every month in opposition to gas purchases at Shell.
The rewards construction of the cardboard contains:
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A 5-cent low cost for every gallon you buy as a Gold Standing member.
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A 5-cent low cost for every gallon you buy as a cardholder.
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10% again in gas rebates on the primary $1,200 in nonfuel purchases at Shell.
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2% again in gas rebates for grocery retailer and restaurant purchases, as much as $10,000 in mixed spending per calendar yr (Mastercard model solely).
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1% again in gas rebates on all different purchases (Mastercard model solely).
Reductions and gas rebates are issued on as much as 35 gallons per buy, and gas rebates expire 12 months after they’re earned.
As of this writing, each variations of the cardboard additionally include an introductory supply, marketed as incomes 30 cents again per gallon in your first 5 gas purchases, as much as 35 gallons, at Shell — 25 cents for being a cardholder and 5 cents for having Gold Standing. However you don’t should be a cardholder to earn Gold Standing (see No. 3 under), and the cardboard already earns 5 cents per gallon for being a cardholder, so this profit is actually price an additional 20 cents per gallon. Even for those who maximize the supply by shopping for precisely 35 gallons on 5 events, this supply could be price solely $35 and effectively under the worth it is best to try for with a sign-up bonus.
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Moreover, whereas 10% again on nonfuel purchases at Shell is a wholesome rebate, you’d should devour loads of Cheetos and soda to essentially maximize that profit. For those who qualify for the Mastercard model of the cardboard, the two% again on grocery and restaurant purchases sounds higher. However a number of different $0-annual-fee bank cards earn 2% again on all purchases, not simply in slender classes, and people rewards come as true money again and with out an expiration date.
Most individuals might be higher off with a normal rewards card just like the Citi Customized Moneyâ„ Card. It earns 5% money again on as much as $500 spent in your highest spend class per billing cycle, from a listing of eligible choices that features gasoline (1% again on all different purchases). At that charge, you possibly can earn $25 again on gasoline each month, or $300 per yr. There’s additionally a good-looking sign-up bonus: Earn $200 money again after you spend $1,500 on purchases within the first 6 months of account opening. This bonus supply might be fulfilled as 20,000 ThankYou® Factors, which might be redeemed for $200 money again.

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Or think about the Wells Fargo Autographâ„ Card, which earns an infinite 3x rewards for each greenback spent on gasoline, journey, eating places, transit and cellular phone plans. Factors are price a Casadefinance Reader every when redeemed for money again, and people rewards do not expire so long as your card is open. It additionally comes with the next welcome supply: Earn 20,000 bonus factors whenever you spend $1,000 in purchases within the first 3 months – that is a $200 money redemption worth.
3. You don’t want the cardboard to earn Gold Standing
You’ll be able to be a part of the Shell Gas Rewards program free of charge with out being a cardholder and get prompt Gold Standing for six months. Meaning anybody can earn an on a regular basis 5-cent-per-gallon low cost on the pump. You’ll be able to preserve Gold Standing by fueling up six instances (minimal of 5 gallons per go to) at a Shell station inside every subsequent three-month interval; in any other case, you’ll drop to Silver Standing and earn a 3-cent-per-gallon low cost.
Since anybody can get that Gold Standing low cost, the worth proposition for being a cardholder is actually solely a 5-cent-per-gallon low cost.
4. You are locked into refueling at Shell
Changing into a Shell Gas Rewards cardholder will pressure you to hunt out a Shell station if you wish to earn a reduction on the pump or use your gas rebates. This could possibly be unhealthy in your pockets in conditions the place one other station has cheaper gasoline. Being tied to Shell may additionally stop you from utilizing a gasoline app like Upside to buy round and get the perfect worth or low cost obtainable whenever you prime off your tank.
5. The APR is sky-high
You gained’t wish to finance gas purchases made with the Shell Gas Rewards card. The cardboard’s annual share charge is 31.24% as of the time of this writing, a lot greater than the common charge.
For those who do want to think about financing purchases of the whole lot together with gasoline, the Blue Money On a regular basis® Card from American Categorical presents a 0% intro APR for 15 months on purchases and stability transfers, after which the continued APR of 18.74%-29.74% Variable APR. It additionally earns 3% money again on purchases at gasoline stations and supermarkets within the U.S. (on as much as $6,000 in spending yearly per class) and comes with the next welcome supply: Earn a $200 assertion credit score after you spend $2,000 in purchases in your new Card inside the first 6 months. Phrases Apply.
To view charges and costs of the Blue Money On a regular basis® Card from American Categorical, see this page.