Shell Fuel Rewards Card Review

Shell Fuel Rewards Card

According to the U.S. Department of Transportation, the average American drives 13,476 miles a year. There are a lot of costs attached to driving yourself around from place to place, including the vehicle itself, maintenance, and gasoline.

How much you spend on gas a year has to do with a number of different factors. However, according to some estimates, Americans spend an average of $3,000 on gas every year.

If you do a lot of driving, you might be looking into your options when it comes to gas rewards cards.

One contender is the Shell Fuel Rewards Card. Let’s take a look at what you need to know to help you decide whether or not it’s the right fuel rewards card for you.

Shell Fuel Rewards Card: The Basics

The Shell Fuel Rewards Card is a way you can get immediate savings at the pump if you’re a regular at Shell stations. However, there are a few things you’ll want to know before you apply.

First of all, there is no annual fee for this card. In order to qualify, it is recommended that you have a credit score of between 580 and 850.

The regular APR of this Shell gas rewards card is 26.49% APR. The rewards include saving on each gallon of gas up to 20 gallons per fill-up. You save 5 cents from automatic enrollment in the fuel rewards program and 5 cents from the card.

Additionally, you earn 10% back in rebates for non-fuel Shell purchases up to $1,200 each year.

The Pros of the Shell Gas Rewards Card

While this isn’t the best gas card out there, it does have some perks. Let’s explore some of its advantages.

Save Money on Fuel Instantly

Rather than having to wait for cashback or points to accumulated, branded gas cards like Shell Fuel Rewards means that you save money immediately. You’ll be charged less money for gas right at the pump.

Serves as a Good Practice Card

This is a good card for people who have a thin credit file or a fair credit score. It can be used to help build up your credit history and establish a good track record as long as you pay your monthly bill on time.

(Learn more about why you should use credit cards here.)

Get Rebates on Non-Fuel Purchases at Shell

If you commonly buy non-fuel products from Shell, you’ll save some money with this card. As mentioned above, for up to $1,200 a year of purchases you can get 10% of your money back.

The Cons of the Shell Gas Rewards Card

This Shell gas rewards card might not be for everyone. Let’s look at some of the downsides to this card.

High APR

If you are planning on carrying a balance on this card, it will quickly negate the money you save on gas. It’s common for gas cards to have high-interest rates. If you’re planning on getting a gas card for the savings, you’ll want to make sure you pay your balance in full each month.

Can Only Be Used at Shell Stations

This fuel rewards card cannot be used anywhere but at Shell stations. That means that if you don’t frequent Shell gas stations, this card won’t be worth the trouble.

There’s a Cap on How Much You Can Save

Another downside is that your per-gallon discount only goes towards the first twenty gallons of gas you get every time you fill up. If you’ve got a big pick-up or SUV, you might not get as much discount as you expected.

Who Benefits From the Shell Fuel Rewards Card?

The Shell Fuel Rewards Mastercard might be a good choice for some people. For example, if you typically fill up at a Shell station every time you get gas, the instant 10-cent per-gallon discount can really add up. Plus, if you end up spending money on non-fuel purchases, you’ll get some money back, too.

It’s also a reasonable choice if you’re looking to improve or build your credit. This is because it’s normally a bit easier for people with imperfect or limited credit to gain approval for branded gas cards than major credit cards.

Getting a gas card, in general, isn’t a bad idea if you do a lot of driving. Gas expenses can add up, and if you typically frequent one brand of gas station over others, a branded card could make sense.

Exploring Other Gas Rewards Options

The Shell Fuel Rewards Mastercard isn’t your only choice if it doesn’t seem like the right fit for you. Many other gas station brands have their own closed-loop credit cards as well.

Additionally, there are cards that don’t limit you to shopping at one brand. Some popular and well-reviewed choices include:

  • PenFed Platinum Rewards Visa Signature Card
  • Citi Premier Card
  • U.S. Bank Business Triple Cash Rewards World Elite
  • Citi Rewards+ Card
  • Blue Cash Preferred Card from American Express

Whether you’re a road-tripper or a commuter, finding the right card could end up saving you quite a bit of money at the pump.

(Are you a credit card rewards pro? Learn about credit card churning and whether or not it’s right for you.)

Is a Shell Gas Rewards Card Right For You?

Overall, the Shell Fuel Rewards Card isn’t likely the best option out there for gas rewards cards. However, it could be the right choice depending on your particular circumstances. If you’re a frequent Shell customer or you’re looking for a gas rewards card to help you improve or build your credit, this is a reasonable option to consider.

Looking for more information about credit cards and everything personal finance? Check out our library of articles here.

Which gas rewards card do you think offers the best value? Let us know in the comments!

Is the Shell Fuel Rewards Card worth it?

The Shell Fuel Rewards Card is worth it for those who purchase 90% of their gasoline at Shell Stations and drive back and forth to work daily.

How do you get Shell Fuel Rewards?

In order to get Shell Fuel Rewards simply stop by a Shell Station and swipe your Fuel Rewards member card before making a gas purchase. You'll save 5¢/gal with Gold Status in addition to any other rewards in your Fuel Rewards account

How do I pay my Shell Fuel Rewards card?

You can pay your Shell Fuel Rewards card balance by phone or online. To pay your Shell Fuel Rewards card balance online please visit shell.accountonline.com. To pay by phone please dial toll-free 800-331-3703.

Is Shell rewards card free?

The Shell Rewards Card is and always will be free to obtain.

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