WalletHub Rating
4.0/5
The Shell Gas Card has a $0 annual fee and offers rebates of 10 cents to 30 cents per gallon, up to 20 gallons per fill-up, every time cardholders get gas at a Shell station. Cardholders also get a 10% rebate on the first $1,200 in non-fuel Shell purchases per year. Plus, the Shell Gas Card also requires just fair credit for approval. That’s the good news. Info about the Shell Gas Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.8/5
605 reviewsRead and write reviews
Editor’s Review
3.2/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
4.2
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Rewards (Store Cards)” for this card.
Fees
5.0
Rewards
3.4
Cost
4.8
Other Features
0.0
4.2/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
34.24% (V)
Balance Transfer
Balance Transfers Not Allowed
Rewards
Save 30¢/gallon (up to 35 gallons) on your first 5 Shell fuel purchases made by 4/30/2025. Available to new accounts only. Apply by 12/31/2024.
Save 10¢/gallon every time you fill up (up to 20 gallons per fill-up, up to a total maximum of 35 gallons). Savings applied instantly at the pump at participating Shell locations.
10% Shell rebates on your first $1,200 Shell non-fuel purchases (per year).
Rebates will be automatically redeemed by applying the rebates as a credit against Shell purchases made with your card in subsequent billing cycles.
Shell Gas Card's Additional Info
If you are approved for the Card, you will be automatically enrolled in the Fuel Rewards® program and receive instant Gold Status.
show more
at Citibank's secure site
Editor's ReviewFact checked
Fact checked
John Kiernan, Managing Editor
September 5th, 2024
Fact Checked by Alina Comoreanu
Senior Researcher
Shell Gas Card Pros & Cons
No membership fees
High rewards rate
Qualify with fair credit
Spending caps on rewards
High regular APR
Shell Gas Card Review
3.2 / 5
The Shell Gas Card has a $0 annual fee and offers rebates of 10 cents to 30 cents per gallon, up to 20 gallons per fill-up, every time cardholders get gas at a Shell station. Cardholders also get a 10% rebate on the first $1,200 in non-fuel Shell purchases per year. Plus, the Shell Gas Card also requires just fair credit for approval. That’s the good news.
The not-so-good news is the Shell Gas Card can only be used to make Shell purchases. That is in direct contrast to the Shell Mastercard Credit Card, which requires at least good credit for approval, rewards users with at least 1% back wherever Mastercard is accepted, and gives up to 2% back on dining and groceries.
But if you only want a credit card for Shell spending, that shouldn’t be a big deal. Keep reading below to learn more about whether a Shell Gas Card is right for you.
Shell Gas Card Review Highlights:
- Extra savings promotion. For a limited time, newly approved cardholders will earn a rebate of 30 cents per gallon, on up to 35 gallons, for each of the first five Shell fill-ups paid for with the Shell Gas Card.
- 10 cents off every gallon. The Shell Gas Card’s standard rebate is 10 cents per gallon, up to 20 gallons per fill-up. That’s about 3% cash back when gas costs $3.29per gallon. For context, the market’s best gas rewards cards offer 5% back on gas purchased at any station. And the best general-purpose rewards card for people with fair credit, Capital One QuicksilverOne, offers 1.5% cash back on all purchases.
- No annual fee. Gas station-affiliated credit cards don’t tend to charge annual fees, so you shouldn’t overstate the importance of this particular feature. With that being said, the Shell Card’s lack of an annual fee does make it about $22.22 per year cheaper than the average credit card, market-wide.
- Very high APR. The average credit card for someone with fair credit has a 26.85% regular APR, according to WalletHub research, while the average card offer overall charges about 23.1%. This paints the Shell Card’s APR in a decidedly negative light, illustrating why carrying a balance from month to month would be a big mistake.
- Requires fair credit or better. This is the standard credit requirement for store credit cards. It also means the Shell Gas Card is easier to get than the Shell Credit Card, which requires good credit or better. You can check your credit score for free on WalletHub to see which offer you’re likely to get approved for.
Finally, it’s important to remember that there are plenty of ways to save money on gas that don’t involve a Shell rewards card. For starters, most other gas station chains have their own rewards cards, which are at least worth considering if you aren’t totally committed to Shell. You should also check out cards offering gas rewards at any station as well as those with especially lucrative rewards on other everyday expenses. After all, your total savings are what really matter, not how much you save on gas in particular.
Show More
Compare The Shell Gas Card vs. Popular Alternatives
 Shell Gas Card |  Citi Strata Premier℠ Card |  Blue Cash Everyday® Card from American Express |
|---|---|---|
4.0WalletHub Rating WalletHub Rating 4.0 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 3.2 User Reviews 3.8 Market Comparison 4.2 fees: 5.0 rewards: 3.4 cost: 4.8 Other Features: 0.0 | 4.1WalletHub Rating WalletHub Rating 4.1 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.6 User Reviews 3.9 Market Comparison 4.1 fees: 2.9 rewards: 4.0 cost: 4.8 Other Features: 0.0 | 4.1WalletHub Rating WalletHub Rating 4.1 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.2 User Reviews 3.6 Market Comparison 4.2 fees: 4.3 rewards: 5.0 cost: 4.3 APR: 3.8 |
annual fee$0 | annual fee$95 | annual fee$0 |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Purchase Intro APRNot Offered | Purchase Intro APRNot Offered | Purchase Intro APR0%for15 months |
transfer intro aprNot Offered | transfer intro aprNot Offered | transfer intro apr0% for 15 months|Transfer Fee: 3% (min $5) |
Regular APR34.24% (V) | Regular APR21.24% - 29.24% (V) | Regular APR19.24% - 29.99% (V) |
Sponsored Apply Now | Sponsored Apply Now Rates & FeesTerms Apply |
Questions & Answers
Can't find what you are looking for? Submit your question about Shell Gas Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
Most Popular
22
Upvotes
How can I pay my Shell Gas Card?
Reply
22
Maria Adams, Credit Cards Moderator
@m_adams
You can make Shell Gas Card payment online, by phone, or by mail. To pay Shell Gas Card bill online, log in to your online account and find the payment button. Then, choose how much to pay, when to pay it, and where the payment is coming from. Citibank does allow cardholders to set up automatic payments, too.
Ways to Make Shell Gas Card Payment
- Online: Log in to your online account and find the payment button.
- By phone: Call 1-800-331-3703 and enter your card information when prompted.
- By mail: Send a check or money order (but not cash) to
Shell Gas Card Payments
PO Box 9001011
Louisville, KY 40290-1011.
Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.
In conclusion, there are multiple ways to make a Shell Gas Card payment, so just choose whichever method is easiest for you. The important part is to not miss payments, as that can seriously damage your credit score.
1
2
Upvotes
How do I apply for Shell Gas Card?
Reply
2
Adam McCann, Financial Writer
@adam_mcan
The easiest way to apply for the Shell Gas Card is online, and you can get to the online application by clicking the “Learn More” button on WalletHub or by going directly to Citibank's website. Alternatively, you can apply by phone.
Keep in mind that the Shell Gas Card requires fair credit, which means you need a 640+ credit score for high approval odds. Also note that applying for the card triggers a hard inquiry, which may temporarily hurt...
5
Upvotes
Can I use my Shell Gas Card anywhere?
Reply
5
Rhonda Stewart, WalletHub Loans Analyst
@rhonda
You can use your Shell Gas Card exclusively at Shell locations throughout the United States. You can use the card to pay for gas and for non-fuel purchases inside Shell convenience stores.
The Shell Credit Card, on the other hand, can be used anywhere Mastercard is accepted. That is virtually anywhere in the world where credit cards are accepted as Mastercard benefits from extensive worldwide acceptance.
Upvotes
How can I reach the Shell Gas Card customer service?
Reply
Maria Adams, Credit Cards Moderator
@m_adams
You can reach the Shell Gas Card customer service by calling (800) 331-3703 and verifying your account information. This process will get you in contact with a live representative who should be able to answer your questions or direct you to the appropriate department.
How to Talk to the Shell Gas Card Customer Service
- Call the Shell Gas Card customer service department at (800) 331-3703. You can even use the number you see on the back of your card.
- ...
29
Upvotes
What credit score do you need for the Shell Gas card?
Reply
29
10
Chip Lupo, Credit Card Writer
@CLoop
The Shell Gas Card credit score requirement is 640 or better. That means people with fair credit or better have a shot at getting approved for the Shell Gas Card.
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Shell Gas Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment...
Upvotes
How can I get a Shell Gas Card cash advance?
Reply
Karen Moroz, WalletHub Mortgage Analyst
@nycKaren
You can get a Shell credit card cash advance from any ATM, provided you have the cash advance PIN. If you don't, you will need to call the number on the back of your card to get one.Although getting a cash advance is easy, it's really important to judge whether this is also necessary. Credit card cash advances are extremely expensive. For this particular card, you'll be charged a cash advance fee of either...
6
Upvotes
How do I check my Shell Gas Card application status?
Reply
6
Chip Lupo, Credit Card Writer
@CLoop
Applicants can check their Shell Gas Card application status online or by phone at (800)-331-3703.
How to Check Your Shell Gas Card Application Status Online
- Log in to Citi's website.
- Go to the main menu.
- Navigate to “Application Status” in “Credit Cards”.
- View your Shell Gas Card application status: approved, denied, or pending.
Typically, you'll receive Citi's decision on your application within 7-10 business days. Many applicants are approved much sooner than that....
24
Upvotes
Can you use your Shell gas card before you receive the actual card?
Reply
24
11
WalletHub
@WalletHub
No, you will have to wait up till 14 days from account approval to receive your card. You will also be informed of your credit limit at that time.
1
18
Upvotes
How does the Shell Gas Card fraud protection work?
Reply
18
9
WalletHub
@WalletHub
The Shell Gas Card fraud protectionguarantees $0 liability for unauthorized transactions.
In addition to that, the Shell Gas Card is issued by Citi, and theirIdentity Theft Solutions program can also help if you fall victim to financial crime. Theirteam of specialists will provide personal support and assistance as you begin the process of re-establishing your credit.
2
14
Upvotes
Why can't I get a Shell Gas Card cash advance?
Reply
14
9
WalletHub
@WalletHub
If your Shell Gas Card cash advance was declined, it could either be a technical issue with the ATM or a sign that you don't have enough available credit to accommodate the amount of the transaction.
The easiest way to find out for sure is to give Citibank's customer service department a call at: 800-331-3703.
6
2
2024 WalletHub Awards
Shell Gas Card is an Editor's Pick for:
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Shell Gas Card Reviews
Share your insights and review for the Shell Gas Card
5
39%
4
30%
3
17%
2
8%
1
6%
3.8
605 reviews
605 reviews
What's Your Rating?
Most Recent
Ray Ofsonshine
@Rayofsonshine
1 Star Rating
I've been a member since 2011, always in good standing. They closed my account because I requested new cards. They claim that they were disconnected from the call, which is why they never sent the new cards. However, I never received the cards. When I finally had a chance to call, the representative, who never speaks English clearly, said I had to reapply. No, thank you. It was their error, and he lied about being disconnected from the call with me. They have my contact information if they were truly disconnected. The interest rate is too high, and the customer service is horrible.
Comment
1
samuel
@samrock
1 Star Rating
We applied for the Shell Fuel Rewards issued by Citi, The card came in the mail and we activated it. We filled up at the pump and went in the store to buy drinks and the card did not work.
We attempted to contact support and we reached a CSR who could not speak english well! We were told that Citi would contact us back about the issue. After waiting a few hours we contacted Citi again, The second CSR also could not speak english well and again we were told that Citi would contact us back.
We waited another 2 hours for Citi to contact us and called yet a third time and got a third CSR who did not speak english well and was told again to wait for someone to contact us. I requested to speak to a supervisor so we could close the account.
Amazingly enough the supervisor was able to send a text message with a OTP to identify us. The supervisor turned the card back on and acted like we were to keep the card. I requested again to close the account due to the fact that it was to much of a hassle to deal with support who does not speak english well and works against you every step of the way.
We have cards from other vendors who are a breeze to deal with! If this is how Citi works then count us out on all Citi services!
Comment
ivoryb1216
@ivoryb1216
1 Star Rating
Getting the shell gas card is pointless because even though you get 10 cents off a gallon you pay the credit price which is 10 cents more a gallon than cash so what’s the point. It’s their card and they are charging you over 28% apr, the least they could do is charge you the cash price.
Comment
1
Tufayyur Aouad
@Tufayyur1
1 Star Rating
When you apply for a Shell Mastercard Gas Card, they immediately say congratulations you are approved showing a picture of the Shell Mastercard gas card. Then about three days later, you get an email stating that they are not issuing a Mastercard but instead a Shell gas card only. After doing a hard check on my credit and causing my good credit to go down to Fair credit, they refused to report that they just approved me for a Shell Gas Card. Then they lie about when they will report to the Credit Agencies, and then they do not mail the credit card. Its now been two weeks and no card. I call their customer service in a foreign country and they dont have a clue when I will get the card and they claim they mailed it. We dont have that bad of mail service in the US. So it is a lie when they try to blame the US Post Office. When or if the card does arrive, I will wait until it is reported on my credit report and my score goes up. Then I will think about not doing business with them.
Comment
1
jennifer4088
@jennifer4088
Thank you for your review. I was recently denied this card, and it looks like Citibank did me a favor.
Comment
EUGENE SMALLS
@eugene_smalls
1 Star Rating
This review is for the shell gift card of $500. Claim to be free if you pick the correct box. Well I pick the correct box and after answering 8 questions. They wanted my credit card to claim my free gas card by paying $2.50. I do not know about you, but this is not free if a consumer have to pay anything and secondly I think this is a scam because knownone should should have to give up their credit card information when they suppose to socall have win a gas card of $500. To my this is defraud of a person and talking advantage of the person with false intent to due so.
Please pass this note on to other consumers
Comment
Bob Horner
@bobhorner_tn
3 Star Rating
My problem is that consistently all the Shell stations in Middle Tennessee are owned by 2 companies one being Twice Daily and they charge 10 cents more per gallon than non-Shell stations. So when you use your 10 cents off per gallon Shell card it works out to the same price. We pay our card off at the end of each month so there is no advantage to using the Shell card.
Comment
Samantha Wilson
@nov252001
1 Star Rating
Do not get a card with them. We've had our card since 1992. We miss one payment last month. The bill was lost. We paid it as soon as we got this last one. They suspended our card without notice. So we will be going with another card and we won't be spending any more with shell.
Comment
Berkeley Ayco*ck
@Bsure
1 Star Rating
I have been a customer since 2011, pay my account in each month on time and in full. I received a letter, stating they have closed my account. Because My credit has dropped. Unbelievable how they would treat a customer with so little respect, that has been a paying customer for nor. 9 years
Comment
2
Samantha Wilson
@nov252001
We've been a member since 1992. We miss one payment and they suspend our account.
Comment
christopherh_89
@christopherh_89
1 Star Rating
I got this card because it didn't come with the temptation of AUs to use everywhere like a Visa or MasterCard, but turns out you can't reliably use it at Shells either. More than half the time it just says "see cashier" and if you call the 800 number and spend 5 minutes going through the account info just to be told call back during normal business hours but they don't say when that is. I got through to a person once who put me on hold for 10 minutes and hung up on me, I call back again and they put me to the department to dispute an existing charge. The card is completely useless if it cannot be relied upon to get gas when I'm out. Maybe others' luck is better, but this card is total trash.
Comment
jd willie
@jdswoodshop
1 Star Rating
I have used Shell and Chevron gas credit cards for over 50 years. Last year. Chevron changed banks and doing business with them became a living nightmare. This year, Shell changed everything also. This week, we moved so we called Shell for an address change. The customer service person's English was so bad we couldn't understand him. He wanted my password, which I have never been given one. He then wanted my SS#, so I gave it to him. He then wanted my banking # and information, which I refused to give. I'm done with Shall. A 50 Yr. customer means nothing to them.
Comment
5
1
Review Shell Gas Card
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