Shell Credit Card

Updated: July 16, 2019

In this Shell credit card review, you will learn about the benefits, pros and cons of this credit card. Basically, there are two credit cards from Shell, and they offer pretty sound and notable rewards. At the end of this article, you will also get guidelines on how to apply for a credit card from Shell.

Shell Credit Card Review

Shell offers two types of credit cards to its customers: a usual store branded credit card and MasterCard. And they differ not only in terms of where a credit card can be used. Apart from that, the cards offer slightly different benefits – MasterCard comes with a few notable notable extras.

Shell Fuel Rewards Credit Card

Shell Credit Card Review

Annual fee: $0.

Purchase APR: 26.99%.

Recommended credit score: from 620 to 850.

Most suitable for: loyal customers of Shell gas stations and those who often buy gas at these stations.

Shell Fuel Rewards Card, which is issued by Citi Bank, is a store-branded credit card that is aimed at loyal customers of this chain. Even though there is a very limited number of benefits, the card seems to be pretty decent for anyone who frequently shops at Shell fuel stations. Let’s break the pros and cons of this card in detail.

First of all, this Shell credit card can be used only at Shell convenience stores and gas stations, as it is not linked to any major network (like Visa or MasterCard). It comes without an annual fee but with a hefty purchase APR – this is, however, usual among store-branded credit cards. However, you can use your credit card and pay it within the 25 days in order to avoid paying the interest rate (the minimal charge on which is $2).

Basically, this Shell credit card comes with sound and strong features. If you apply for this credit card from Shell now, you will automatically receive Gold status, which will provide you with more generous rewards. If you already appear to be a member of the Fuel Rewards program, you won’t receive a Gold status – the credit card will just be automatically linked to your account.

The Gold status actually offers solid benefits. If you have Gold status, you will get 10 cents off per gallon of gas for every first 20 gallons each time you pump at Shell gas stations. In order to get the discount, you should simply give the card before getting the oil. Typically, such rewards are considered to be equal to 4% cashback rewards rate, which is not bad at all. Without a Gold status, you will have a discount of only 5 cents off every gallon of gas (for up to 20 first gallons).

Regardless whether you have Gold status or not, you will also enjoy 10% on all non-fuel purchases at Shell stores (for the first $1,200 in a year). If you spend more than that at the gas stations of this chain in a year, the rebates will not be granted for those purchases that will take place after having spent the first $1,200. All in all, this is a pretty good deal too.

After all, it is worth to point out that this credit card comes with the features that many other Citi credit cards have. Considering that this card is issued by Citi Bank, it is not something surprising. One must point out the Citi Identity Theft Solutions, which will help you to make sure that your funds will not get stolen.

To sum up, this Shell credit card appears to be quite a sound offer to everyone who frequently buys gas at Shell stations. A number of benefits and a zero annual fee make this card an appealing option for many customers. If you don’t mind having another special-purpose credit card in your wallet, go ahead and apply for this credit card.

Shell Fuel Rewards MasterCard

Shell Credit Card Review

Annual fee: $0.

Purchase APR: 26.99%.

Recommended credit score: from 620 to 850.

Most suitable for: loyal customers of Shell gas stations and those who often buy gas at these stations, as well as people who want decent cashback on dining and groceries.

Credit card features:

This Shell MasterCard is an upgraded version of the previously reviewed credit card. Basically, the requirements are the same as for the previous credit card: you will have to pay zero annual fees and the required credit score is 620. But there are some important differences as well, and we will focus on them at this point in our review.

First of all, one has to point out that this credit card also comes with Gold status. If you are not enrolled in the Shell Fuel Rewards Program yet and if you get qualified for this card, you will automatically get Gold status. That will allow you to receive the 10 cents off rebate for every first 20 gallons each time you pump at the gas station of this chain. If you are already enrolled in that program and don’t have Gold status, you will receive only 5 cents off for every first 20 gallons.

Same as the previous store-branded credit card from Shell, this credit card offers 10% rebates on any non-fuel purchases made at Shell gas stations. Likewise, there is a limit of up to the first $1,200 per year, which actually leaves with a rebate of a maximum $120 in a year.

But there are several other worthwhile features that we must point out. As we have stressed above, Shell Fuel Rewards MasterCard is a credit card that can be used wherever MasterCard cards accepted – unlike the store-branded credit card. And these rewards directly concern that type of spending.

The first quite useful feature of this card is that you get 2% cashback on grocery and dining spending for the first $10,000 in a year. This actually leaves you with a rebate of up to $200 per year. But on top of that, Shell offers you 1% cashback on all qualifying purchases. This is actually rather a low rate, as you would get more generous rewards with, for example, credit cards from the Chase Bank.

But what does the phrase “qualifying purchases” mean? Actually, that’s going about any purchases you make excluding:

  • Purchases at non-Shell gas stations.
  • Gas purchases for which you have received a discount.
  • Any purchases for which you have received a rebate.

To sum up, you can see from this part of the review that this credit card offers some additional benefits and may be well used for paying at groceries and restaurants as well. So, if you tend to frequently buy gas at Shell gas stations, you should definitely consider applying for this credit card. The number of benefits is quite impressive, and you are unlikely to find a gas credit card with better rewards.

Apply for Shell Credit Card

In case you have made up your mind and you want to obtain a credit card from Shell, you should skip your worries. You can complete the entire application process online. As you will learn from this part of our review, there is definitely nothing difficult in applying for this credit card. Enjoy!

This is how you can apply for a Shell credit card step by step:

Shell Credit Card Apply

  • On that webpage of Citi Bank, you will get to see the info about the credit cards from Shell. At that point, you need to find the “Apply Now” text button, which is placed somewhere in the center of the screen. Once you have found it, give a click to that button.
  • On the following webpage, you will get to see the two credit card options and differences between them. Now, you have to choose which credit card to get. Once you have taken a decision, you should click on the “Apply Now” under a credit card you want to get.

Shell Credit Card Application

  • Following it, you will get to see an application form. Start filling it out by entering your first and last name at first.

apply for shell credit card

  • Next, provide your email address, physical address, and phone number.
  • Right after it, you have to provide the financial information (such as your income, status, and residence payment) about you.

how to get shell credit card

  • At the end, you must specify your social security number and date of birth.
  • Once you are done with filling out that form, scroll that page down until you will get to see the terms of use.

where to get shell credit card

  • After you have got to see the details and disclosures, read them carefully and make sure that you have understood everything. If you understood everything and agree to the terms specified there, scroll that page down again.
  • At the bottom, you have to check the boxes near the “I have read and agree” and “I agree to receive” fields.

how to obtain shell credit card

  • Next, click on the “Submit Application” button and finalize the application process.
  • It is likely that you are going to receive the results immediately after submitting your application. If you haven’t received any results, then the bank might need up to two weeks in order to consider your application.

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