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Home Credit Cards Easy Approval Gas Cards for Bad Credit in 2022

Easy Approval Gas Cards for Bad Credit in 2025

Credit card with gasoline pump representing gas card for bad credit

At a glance

These gas cards for bad credit offer gas rewards and easy approval to borrowers with less-than-perfect credit scores.

Save time, check out the best credit cards for low (or no) credit from our sponsors.

In some cases, you may be eligible for preapproval and avoid hurting your credit score.

Written by Kari Dearie

Reviewed by Ana Staples

Updated Nov 4, 2022

Fresh advice you can trust

We promise to always deliver the best financial advice that we can. Our writers and editors follow strict editorial standards and operate independently from our advertisers and affiliates. Learn more about how we make money.

Gas Cards for Bad Credit

Credit Card Best For Credit Score Annual Fee Welcome Bonus Apply Now
Discover It secured credit card
Discover it® Secured Credit Card Apply
Overall 300–669 $0 Cashback Match Apply
Credit One Platinum Visa credit card
Credit One Bank® Platinum Visa® for Rebuilding Credit Apply
Easy Approval 300–669 $75-$99 Apply
Shell Fuel Rewards Card
Shell Fuel Rewards® Card Apply
Instant Approval 300–669 $0 30¢/gal Apply
Chevron/Texaco Techron Advantage Card
Chevron/Texaco Techron Advantage Card Apply
Gas Stations Only 300–669 $0 37¢/gal Apply
Bank of America Customized Cash Rewards Secured
Bank of America® Customized Cash Rewards Secured Apply
Secured 300–669 $0 Apply
Discover It Student Chrome Card
Discover It® Student Chrome Card Apply
Students 580–739 $0 Cashback match Apply
Capital One Spark 1% Classic Business Card
Capital One Spark 1% Classic Business Card Apply
Business 580–739 $0 Apply

Table of Contents

  1. What is a gas card?
  2. How do I get a gas card?
  3. How can I build credit with a gas card?
  4. Best gas credit cards for bad credit

Over 90% of US households have access to a vehicle. 1 Given the popularity of driving in the US, it’s no surprise that gas is one of the most common American purchases—and it doesn’t come cheap. Luckily, credit card companies and gas stations recognize the cost of buying gas and offer credit cards that can help.

However, getting a good rewards card (or any credit card) can be tough when you have poor credit. But even bad-credit holders can lock down a credit card that will help them pay for gas purchases. Keep reading to learn about getting easily approved for a gas card when you have bad credit, and what the best options available now are.

What is a gas card?

A gas card is a credit card that you can use to purchase gas and get some of that purchase refunded through credit card points or cash back.

There are two types of gas credit cards:

  1. Gas station credit cards: Gas station credit cards are closed-loop credit cards, meaning they can only be used at the issuing establishment. For example, a Chevron credit card will let you make purchases at Chevron, then earn a percentage back through rewards. The rewards you earn can then only be put toward future purchases at Chevron.
  2. Gas rewards credit cards: A gas rewards credit card, on the other hand, is a general-use credit card that offers rewards for gas purchases. This can be any Visa, Mastercard, or other credit card type that redeems a portion of your gas purchases through cashback rewards.

How do I get a gas card?

As is the case with all credit cards, the best deals are available to borrowers with good or excellent credit. However, getting a gas card when you have bad credit may be easier than you think.

Here’s what you need to do:

  1. Check your credit score: Check your current credit standing so you know which types of cards you can qualify for. This also gives you a baseline, so you can track your improvement when you start building credit with your gas card.
  2. Shop around: Don’t necessarily apply for the first credit card you find that boasts gas rewards. Applying for new credit involves hard inquiries, which are credit checks that knock points off your credit score. Be sure you’ve found the right card for you (and go through a pre-approval process first if possible) before you send a slew of applications and accidentally drop your credit score.
  3. Consider a secured card: Many credit cards for bad credit are secured cards. Secured cards require a deposit upfront, and usually match your initial credit limit to the deposit you pay. While this is unappealing to many, it’s a good option if your credit score is less than perfect. Secured cards tend to offer better rewards and borrowing terms than other credit cards available to bad-credit borrowers—like fewer fees and lower interest rates.
  4. Apply: Once you’ve landed on the right card for you and your credit range, it’s time to apply. If you’re looking for a gas station credit card, you can go directly to the gas station and ask for an application. Otherwise, apply online for your gas card.

How can I build credit with a gas card?

Gas cards are a great way to build or rebuild credit. Doing it is very simple: just use your card regularly to buy gas, and make sure to always pay off your balance off on time every month. This will improve your payment history, which is the key to your credit score.

Look for gas cards with credit reporting to the three major credit bureaus—Equifax, Experian, and TransUnion—and that offer credit-building tools. For example, many starter credit cards and cards for bad credit give free monthly credit reports and help you track your credit score’s progress.

Best gas credit cards for bad credit

Below we’ve listed the best credit cards with gas rewards that are available even if you have a poor credit score. In fact, you’ll likely get easy, instant approval for these gas cards when you apply.

Best overall gas card for bad credit

Overall

Discover it® Secured Credit Card

Discover It secured credit card Apply Now

on Discover's secure site

Rates & Fees
4.8
Rating Breakdown
Fees
4.9

No annual fee and no foreign transaction fees score this card a high rating in the fees department.

APR
2.7

Carrying a balance could get costly on this card, given the high purchase APR.

Rewards
4.4

Considering it’s a secured card, the Discover it® Secured offers impressive rewards and even a cashback welcome bonus.

Credit Reporting
5.0

Discover reports to the major credit bureaus, which can help you build your credit.

Security Deposit
4.0

The minimum and maximum security deposit allow a good range of flexibility for you to determine your credit limit.

Other

We adjusted for factors like free credit scores and a fully refundable security deposit.

Our FinanceJar Star Rating represents an objective and unbiased evaluation of this card, without influence from advertisers and affiliates. Our scores are generated by a rubric and our reviews adhere to a strict editorial process. Learn more about how we rate credit cards.

Annual Fee

$0

Credit Score

300–669

Deposit

$200–$2,500

Purchase APR

25.99% (variable)

Rewards

  • Welcome Bonus

    Cashback Match earns you a dollar-for-dollar match on your first-year rewards

  • Gas & Restaurants

    2% cash back up to $1,000 in combined spending each quarter

  • Everything Else

    1% cash back on all eligible purchases

Why It's Great

The Discover it® Secured credit card is our top choice of gas cards for bad credit, as it offers 2% back on gas station purchases along with a host of great credit-building features.

While this is a secured card, meaning it requires a security deposit, it has no annual fee, and you’ll automatically be considered for a card upgrade at regular intervals. If you qualify for an upgrade, you’ll get a full refund on your security deposit and receive a new, unsecured Discover card.

These features make this a low-cost option among credit cards for poor credit, which usually come with high annual or even monthly fees. The security deposit cost is further offset by the rewards program, which offers:

  • 2% cash back on gas and restaurant purchases (up to $1,000 each quarter)
  • 1% cash back on all other purchases (unlimited)
  • 1-for-1 cashback match in your first 12 months (every dollar you earn in cash back will be doubled in your first year of card ownership)

The cashback match in the first year sets this card above the rest, as you’ll automatically earn a minimum of 2% back on all purchases, and 4% back on gas in the first 12 months of card ownership.

Furthermore, the Discover it® Secured credit card is easily accessible. It’s even advertised to borrowers without any credit history whatsoever.

Pros & Cons

Pros

  • No annual fee
  • 2% cash back on gas station and restaurants
  • 1% cash back on all other purchases
  • Dollar-for-dollar cashback match after 12 months
  • Free monthly access to FICO score

Cons

  • High APR
  • Maximum deposit of $2500
  • Rewards rates cap out at $1000 per quarter
  • Security deposit required

Easiest approval gas card for bad credit

Easy Approval

Credit One Bank® Platinum Visa® for Rebuilding Credit

Credit One Platinum Visa credit card Apply Now

on Credit One Bank's secure site

Rates & Fees
3.6
Rating Breakdown
Fees
3.8

The Credit One Bank® Platinum Visa® for Rebuilding Credit comes with pretty high fees, especially the annual fee. Thankfully, it’s partially offset by rewards and other benefits.

APR
2.4

The APRs on this card are pretty high, but this is typical for a credit card geared toward people with poor or limited credit histories.

Rewards
3.1

This is one of the few unsecured rewards cards you can get with poor credit. However, the rewards don’t apply to all purchases and don’t fully compensate for the card’s fees.

Credit Reporting
5.0

Credit One reports to all three credit bureaus, which makes the Platinum Visa® for Rebuilding Credit suitable for building or rebuilding credit.

Credit Limit
2.5

Credit limits are pretty low on this card, which isn’t ideal if you want to raise your credit score quickly or take full advantage of the card’s cashback rewards.

Other

We manually adjusted the card’s final score to account for factors like free credit scores and credit limit increases.

Our FinanceJar Star Rating represents an objective and unbiased evaluation of this card, without influence from advertisers and affiliates. Our scores are generated by a rubric and our reviews adhere to a strict editorial process. Learn more about how we rate credit cards.

Annual Fee

$75-$99

Credit Score

300–669

Purchase APR

26.99% (variable)

Rewards

  • Gas, Groceries, & Telecom Bills

    1% cash back on eligible spending toward gas, groceries, mobile phone service, and internet, cable, and satellite TV service

Why It's Great

If you’re looking for a near guaranteed-approval credit card, the Credit One Bank® Platinum Visa® is worth consideration. It boasts extremely high approval odds and usually offers instant approval.

While its rewards rate is lower than other cards, it’s probably the easiest gas rewards card to qualify for, especially given that it’s an unsecured credit card. It offers 1% cash back on:

  • Gas
  • Groceries
  • Your monthly mobile phone, internet, cable, and satellite TV services bills

In addition to its rewards, it makes a good credit card for building credit, as it provides credit monitoring and flexible due dates.

While this credit card is initially cheap to open (given the lack of security deposit), it will cost you year over year. The Credit One Bank® Platinum Visa® charges an annual fee of $75 in the first year, and $99 each year after that.

Pros & Cons

Pros

  • No deposit required
  • Cashback rewards
  • Free credit reports
  • Credit reporting

Cons

  • High annual fee
  • Limited rewards
  • Low credit limit
  • Balance transfers not available

Instant approval gas card for bad credit

Instant Approval

Shell Fuel Rewards® Card

Shell Fuel Rewards Card Apply Now

on Citibank's secure website

Rates & Fees
4.1
Annual Fee

$0

Credit Score

300–669

Purchase APR

26.49% (variable)

Rewards

  • Welcome Bonus

    30¢/gal on your first 5 Shell fuel purchases

  • Gas

    10¢/gal on your next 35 Shell fuel purchases

  • Everything Else

    10% Shell rebates on the first $1,200 you spend on all other eligible purchases

Why It's Great

Many who apply for the Shell Fuel Rewards® Card enjoy instant approval. This gas station card offers generous rebates on Shell purchases and an impressive intro offer. Here’s how it works:

  • Save 10¢ per gallon up to 35 gallons purchased
  • Get a 10% rebate on your first $1,200 of Shell non-fuel purchases
  • Earn 30¢ per gallon on your first 5 Shell gas purchases

If you’re a frequent Shell fueler, these rewards can add up quickly to subsidize your gas purchases. The welcome offer of 3x savings is especially appealing—just make sure you make the most out of your first 5 fill-ups.

However, this card can only be used for Shell purchases (fuel and non-fuel alike). If you want a more versatile Shell credit card, consider the Shell Fuel Rewards® Mastercard®, which can be used anywhere that accepts Mastercard. While it offers even more rebates and rewards and a wider range of use, it will be harder to qualify for and may require good credit.

Pros & Cons

Pros

  • High approval odds
  • No annual fee
  • Cashback rewards
  • Welcome bonus offer

Cons

  • High APR
  • Limited to Shell purchases
  • Rewards caps

Best gas station card for bad credit

Gas Stations Only

Chevron/Texaco Techron Advantage Card

Chevron/Texaco Techron Advantage Card Apply Now

on Synchrony Bank's secure website

Rates & Fees
3.6
Annual Fee

$0

Credit Score

300–669

Purchase APR

29.99% (variable)

Rewards

  • Welcome Bonus

    37¢/gal for fuel purchases at Chevron and Texaco stations for the first 90 days

  • Gas

    6–8¢/gal for eligible fuel purchases made with the Chevron or Texaco mobile app

  • Gas

    3¢/gal on other eligible fuel purchases with Chevron or Texaco

Why It's Great

If you frequently fill up at Chevron or Texaco stations, you might consider the Chevron/Texaco Techron Advantage Card. With this gas station card, you can earn 37¢ per gallon for the first 90 days of your card ownership. After that, you’ll get 3¢–8¢ per gallon every time you fill up, without caps or limits.

Furthermore, the card doesn’t charge an annual fee and offers fraud protection.

Notably, when you apply for the Chevron/Texaco Techron Advantage Card, you’ll be automatically considered for the Chevron/Texaco Techron Advantage Visa®, which offers even more rewards and can be used anywhere Visa is accepted (including internationally). However, if your credit is very poor, you’re likely to only qualify for the Chevron/Texaco Techron Advantage Card.

Pros & Cons

Pros

  • Cashback rewards
  • No annual fee
  • Fraud protection
  • Welcome bonus offer

Cons

  • High APR
  • Limited to Chevron/Texaco use
  • Rewards rate fluxuates

Best secured gas card for bad credit

Secured

Bank of America® Customized Cash Rewards Secured

Bank of America Customized Cash Rewards Secured Apply Now

on Bank of America's secure website

Rates & Fees
4.9
Annual Fee

$0

Credit Score

300–669

Deposit

$200–$5,000

Purchase APR

26.99% (variable)

Rewards

  • Category of Choice

    3% cash back in the category of your choice, up to $2,500 in combined quarterly spending with groceries (then down to 1% back)

  • Groceries

    2% cash back at grocery stores and wholesale clubs, up to $2,500 in combined quarterly spending with your category of choice (then down to 1% back)

  • Everything Else

    1% cash back on all other eligible purchases

Why It's Great

When you don’t have good credit, some of your best credit card options are secured cards. As far as gas cards go, you can’t find a better secured option than the Bank of America® Customized Cash Rewards Secured. This card offers:

  • 3% cash back in the category of your choice
  • 2% cash back at grocery stores and wholesale clubs
  • 1% back on everything else

You get to choose your 3% rewards category each month, and gas is one of your options. Rewards in the 3% and 2% categories are capped at $2,500 in spending each quarter, but that can still earn you $300 back on gas each year with the Bank of America® Customized Cash Rewards Secured credit card.

Pros & Cons

Pros

  • 1%–3% cashback rewards
  • Credit reporting to the major bureaus
  • No annual fee
  • Low foreign transaction fee
  • Path to unsecured upgrade

Cons

  • Security deposit required
  • High APR
  • Limits on 2% and 3% rewards categories

Best student gas card

Students

Discover It® Student Chrome Card

Discover It Student Chrome Card Apply Now

on Discover's secure website

Rates & Fees
4.4
Annual Fee

$0

Credit Score

580–739

Purchase APR

15.99%–24.99% (variable)

0% APR Period

6 Months

Rewards

  • Welcome Bonus

    Cashback match on all purchases you make within the first year after account opening

  • Gas Stations & Restaurants

    2% cash back at gas stations and restaurants (including cafes, takeout, delivery and fast-food) on up to $1,000 in combined purchases each quarter

  • Everything Else

    1% cash back on all other eligible purchases

Why It's Great

If you’re a student looking for a gas credit card, but your credit isn’t up to snuff, consider the Discover It® Student Chrome. With this card, you get:

  • 2% cash back on gas and dining (up to $1,000 each quarter)
  • 1% cash back on everything else

Even though the 2% rewards category is capped, you can still earn $20 cash back on gas every quarter, making that $80 in savings on gas every year. Plus, you’ll continue to earn rewards at a 1% rate every time you fill up, meaning you can get unlimited cash back on gas.

Pros & Cons

Pros

  • No credit score needed to apply
  • No annual fee
  • No foreign transaction fees
  • 0% APR on purchases for 6 months
  • 1%–2% cashback rewards
  • Reports to the three credit bureaus

Cons

  • Must be a student to apply
  • You can’t choose your rewards categories
  • No 0% intro APR for balance transfers

Best business gas card for bad credit

Business

Capital One Spark 1% Classic Business Card

Capital One Spark 1% Classic Business Card Apply Now

on Capital One's secure website

Rates & Fees
4.3
Annual Fee

$0

Credit Score

580–739

Purchase APR

28.49% (variable)

Rewards

  • Capital One Travel

    5% cash back on travel purchases (such as hotels and rental cars) made through Capital One Travel

  • Everything Else

    1% cash back on all other eligible purchases

Why It's Great

The Capital One Spark 1% Classic is a business credit card that offers borrowers with less-than-perfect credit a high credit limit and 1% cashback rewards. Rewards are earned on all purchases, and aren’t subject to caps or minimums. In other words, all your gas charges will get 1% back, regardless of how much you spend.

Not to mention, this business card comes without an annual fee and offers 5% cash back on hotels and rental cars booked through Capital One Travel, meaning you can further subsidize your business excursions.

Capital One provides noteworthy business resources, including purchase records for easy tax filing and year-end spending summaries.

Keep in mind that Capital One lists this card as adequate for “fair credit.” However, it specifies that fair credit includes borrowers with a discharged bankruptcy or limited borrowing histories.

Pros & Cons

Pros

  • 1% cash back
  • No annual fee
  • High approval odds
  • High potential credit limit

Cons

  • High APR
  • Not everyone will qualify
  • Low rewards rate

How we rate our credit cards

Finding the right credit card when you have less-than-perfect credit is tough. That's why we heavily weighted the following factors when determining the best gas cards for bad credit:

  • Qualification requirements
  • Fees
  • Interest rates
  • Security deposits
  • Rewards and bonuses
  • Borrowing terms

These factors, among many others, are part of our 5-star credit card rating methodology for all card categories. Our star ratings are unbiased and independent of our affiliates and advertisers.

Article Sources

  1. ValuePenguin. "Car Ownership Statistics in the U.S." Retrieved July 11, 2022.

Kari Dearie

Credit Cards Editor

View Author

Kari Dearie is an editor for FinanceJar specializing in credit and personal finance. She previously managed a B2B website in the data privacy and digital compliance industry.

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