Top Gas Credit Cards for Fair Credit

Many consumers find themselves right in the middle when it comes to credit scores. A fair or average credit rating isn’t poor, but it also isn’t excellent. Depending on your circumstances, you might face some difficulty getting approved for credit cards. However, because your score isn’t yet in the poor range, there are options available to help you improve your credit rating, without resorting to a secured credit card. For many consumers, the best way to get a boost in their credit score is to choose gas credit cards which are usually more flexible when it comes to approval. Plus, these cards often provide gas rewards and other benefits, that can help cut your gas bill when you fill up. Here are some of the best gas cards available for fair credit.

Best Gas Credit Card for Fair Credit

read card review Apply Now
at issuer’s secured site
fair credit
intro purchase APR no intro offerregular APR26.99% (V)
rewards intro 10c/gallon for 60 days 

no annual fee

not a major card

Chevron and Texaco gas stations use only

read review

This card is one of the best available for gas purchases and building your credit because it is one of the only cards that is specifically designed for gas purchases. There are three versions of the card, a store card only for Chevron and Texaco, the Visa, and the Premier Card. The Chevron and Texaco Visa Credit Card is ideal because you can use it at Chevron and Texaco gas stations, and for purchases wherever Visa cards are accepted. You also earn .03 cents per gallon in fuel credits every time you fill up at Chevron or Texaco stations. This card has no annual fee. The APR for purchases is a variable APR of 27.24%. New cardholders get a bonus of .10 cents per gallon in fuel credits for the first 60 days as a cardmember.

Advantages of Chevron and Texaco Visa Credit Card

  • .03 cents per gallon in fuel credits
  • No annual fee
  • Bonus of .10 cents per gallon in fuel credits

Disadvantages of Chevron and Texaco Visa Credit Card

  • High APR
  • Only rewards gas purchases
  • Only earn gas credits at Chevron and Texaco

Bottom Line

Like other credit cards for fair credit, the APR is high. However, you can avoid paying the high-interest rate if you make sure you pay your balance in full each month rather than carry from month to month. This card is a solid choice for building credit and getting a discount at the pump. Plus, you get an extra bonus for the first 60 days your account is open. Further, because there are other versions of the card available, if you don’t qualify for the Visa, you might still be able to qualify for the store card. This is beneficial because you still get an opportunity to earn gas rewards and build your credit, even though the card can only be used at Chevron and Texaco stations.

Best General Rewards Gas Credit Card for Fair Credit

read card review Apply Now
at issuer’s secured site
fair credit
no credit
intro purchase APR no intro offerregular APR15.65 - 24.15% (V)
intro BT APR no intro offer 15.65-24.15%
rewards 1% on gas and groceries, terms apply 

1% cash back on eligible purchases, terms apply

Email or text alerts to remind you when your payment is due

Flexible payment date to assist you in making your payments on time

$0-$99 annual fee

read review

If you would rather earn rewards on grocery store purchases and gas, the Credit One® Platinum Visa® Rewards Credit Card is a good option. You can use the card and build your credit rating while earning 1% cash back for gas and grocery purchases. The annual fee is dependent on your creditworthiness and is $0 to $99. The variable APR is 15.65%-24.15%.

Advantages of Credit One® Platinum Visa® Rewards Credit Card

  • 1% cash back for gas and groceries

Disadvantages of Credit One® Platinum Visa® Rewards Credit Card

  • High APR

Bottom Line

The Credit One cards are known for being more understanding of lower credit ratings. If you have fair credit, this card gives you a chance to build your credit and earn cash back on gas and grocery store purchases.

Best Gas and Other Purchases Rewards Credit Card

read card review Apply Now
at issuer’s secured site
fair credit
intro purchase APR no intro offerregular APR25.24% Variable
intro BT APR no intro offer BT fee 3% min $5
rewards 1-2 points/$1 
  • 2x points on groceries, gas, utilities (excluding Target and Walmart®)
  • 1 point on all other purchases
  • redeem points towards your statement balance to offset purchases

2X points on gas, utility and grocery store (excluding Target® and Walmart®) purchases. 1x points on all other purchases

No annual fee

Points don't expire as long as account is open, active and in good standing

Redeem points for deposits to a U.S. checking or savings account, statement credits or gift cards, starting at 1,000 points for $10

No limit on the number of points you can earn or redeem

Free online access to FICO® Credit Score lets you keep an eye on your credit and get alerts when we learn that your score has changed

Use your card with confidence, $0 Fraud Liability protection means you're not responsible for unauthorized charges you report to us

Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad

read review

If you don’t want to be limited to just gas purchases, you can earn rewards on gas, utilities, groceries, and all other purchases with the Barclaycard Rewards MasterCard®. This card is also designed for those with fair or average credit scores, and awards 2x points for gas, utilities, and groceries, and 1x point for all other purchases. You can redeem your points at 1,000 points for $10. There is no annual fee for this card, and you get free access to your FICO Score, which can be helpful in building your credit. The APR is variable at 25.24%.

Advantages of Barclaycard Rewards MasterCard®

  • No annual fee
  • Awards gas, utilities, groceries, and other purchases
  • Free FICO Score

Disadvantages of Barclaycard Rewards MasterCard®

  • High APR

Bottom Line

This card is one of the rare cards available for fair credit that doesn’t charge an annual fee. You also have an opportunity to earn cash back on a broad range of everyday purchases, which can result in a significant amount of cash back. If you are working on building your credit, the free FICO Score will make it easier to manage and track how you are doing.

What Is Fair Credit?

A fair credit rating is often considered in the range of 650 to 700, right in the middle of poor credit and excellent credit. Although it isn’t the worst credit rating you could have, there is plenty of room for improvement. Plus, depending on your particular score, you could be dangerously close to a poor credit score, which can mean higher interest rates and more difficulty getting approved for credit or loans. So, although fair or average credit isn’t horrible, it’s still important that you are diligent in maintaining and building your credit rating.

Improving Your Credit Score with Gas Credit Cards

Although a fair credit rating isn’t the worst rating you could have, you might still find it difficult to get approved for a decent rewards credit card. Many of the best and most popular cards are often reserved for consumers with excellent credit scores. You do, however, have some solid options that not only help you build your credit rating, but can also provide valuable rewards and benefits. For fair credit, some of the best credit cards available are gas credit cards. Here are our best gas credit cards for fair credit.

For other credit cards designed for fair or average credit, read our picks here.

 



Leave a comment

Filtered HTML

  • Web page addresses and e-mail addresses turn into links automatically.
  • Allowed HTML tags: <a> <em> <strong> <cite> <blockquote> <code> <ul> <ol> <li> <dl> <dt> <dd>
  • Lines and paragraphs break automatically.

Plain text

  • No HTML tags allowed.
  • Web page addresses and e-mail addresses turn into links automatically.
  • Lines and paragraphs break automatically.


SIGN UP TO GET FREE
CREDIT SCORE UPDATES
and
exclusive members-only deals
Follow us
Facebook Twitter Google+