BP Credit Card ReviewsReviews, rates, fees and rewards details for the BP Credit Card. Compare to other cards and apply online in seconds.John KiernanWalletHubNo membership feesHigh rewards rateBonus rewards categoriesNo initial rewards bonusNo intro APR on purchasesNo intro APR on balance transfersForeign fee
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 Gas 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.
BP Credit Card has a rating of 3.6/5 according to our proprietary credit card rating system. This rating reflects how appealing BP Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Earn Gas Rewards'. To break it down further, BP Credit Card earned a score of 3.8/5 for Fees, 3.4/5 for Rewards, 4.4/5 for Cost, and 2.4/5 for User Reviews. Info about the BP Credit 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
2.4/5
396 reviewsRead and write reviews
Editor’s Review
2.7/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
3.8
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 Gas Rewards” for this card.
Fees
3.8
Rewards
3.4
Cost
4.4
Other Features
0.0
3.8/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0
APR on Purchases
31.99%
Balance Transfer
APR: 31.99%
Balance Transfer Fee:5% (min $10)
Rewards
Earn 30¢ off per gallon for 60 days after account opening and 15¢ off thereafter.
Earn 5% cash back (5 points per $1) on non-fuel purchases at BP and Amoco; 3% cash back (3 points per $1) on groceries and on dining, and 1% cash back (1 point per $1) on all other qualifying purchases.
Redeem points for cash back, account statement credit, gift cards from major retailers, travel experiences and more.
There is no limit on the number of points that can be earned. Points expire after the fifth anniversary of when they were awarded.
Modest initial bonus. During the first 60 days after account opening, you get a discount of $0.30 per gallon the next time you fill up at a BP station. That might sound good, but it actually provides a pretty poor rate of return. Let’s say a gallon of gas costs $3.64 and your car holds 20 gallons (the limit for the discount). That means you’d save $6 for every $72.8 spent, which translates to just 8% cash back. The best gas credit cards give you 5% back without dictating the type of station you have to use.
Decent ongoing gas rewards. On an ongoing basis, the BP Credit Card rewards you with a $0.15/gallon discount at BP. You also get 5% back on non-fuel purchases at bp and Amoco, 3% back on groceries and dining purchases, as well as 1% back on everything else. The top-end earning rate is solid for BP loyalists, but nothing about this offer warrants committing if you haven’t already.
Terrible for carrying a balance. Carrying a balance from month to month with the BP Visa Credit Card means dramatically overpaying on interest. After all, you need good or excellent credit to get the BP Visa, which has a high APR, and the average credit cards for people with good and excellent credit charge 24.12% and 18.04%, respectively, according to WalletHub’s latest Credit Card Landscape Report.
No annual fee, but there’s a good-credit price tag. While the BP Gas Credit Card’s lack of an annual fee saves you about $22.29 per year compared to the average credit card, it doesn’t distinguish the BP Visa from most comparable gas rewards cards. And though its rewards don’t really qualify for the category, the BP Visa Card is similar to the market’s best credit cards in the sense that you need good or excellent credit to get it. So make sure to check your credit score for free on WalletHub and weigh your other options carefully before submitting an application.
Note: This review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.
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 Gas 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
2.7
User Reviews
2.4
Market Comparison
3.8
fees: 3.8
rewards: 3.4
cost: 4.4
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
4.8WalletHub Rating
WalletHub Rating
4.8
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 "Improve Credit by Paying in Full Each Month." 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
4.4
User Reviews
3.4
Market Comparison
5.0
fees: 5.0
rewards: 5.0
cost: 5.0
Other Features: 5.0
(396)
(2,905)
(74)
annual fee$0
annual fee$0
annual fee$0
rewards rate 1 - 5 points / $1
rewards rate 1 - 3% Cash Back
rewards rate 1 - 5% Cash Back
bonus offerNone
bonus offer $200
bonus offer $200
Purchase Intro APRNot Offered
Purchase Intro APR0% for 15 months
Purchase Intro APR0% for 15 months
transfer intro aprNot Offered
transfer intro apr0% for 15 months|Transfer Fee:3% (min $5)
transfer intro apr0% for 15 months|Transfer Fee:5% (min $5)
Can't find what you are looking for? Submit your question about BP Credit 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.
The easiest way you can pay your BP Credit Card is either online or over the phone at (888) 397-1520. Alternatively, you can pay your credit card bill through the mail.
How to Pay Your BP Credit Card
Online: To pay your BP Credit Card bill online, log in to your online account. From there, you can add your bank account and routing number as a payment source. You will be able to set up a one-time payment or automatic monthly payments.
Over the phone: To make a BP Credit Card payment over the phone, call (888) 397-1520. Follow the directions given by the automated system. Also, be sure to have your credit card handy for verification purposes.
Via mail: Finally, you can mail a check or money order (but not cash) to:
Bankcard Payment Processing PO Box 2557 Omaha, NE 68103-2557
Before you send your payment, write your BP account number in the memo line.
If you choose to make a payment via mail, make sure to always send it at least 5-7 days before your due date.
The only way to apply for the BP Credit Card is online, and you can get to the online application by clicking the “Apply Now” button on WalletHub or by going directly to FNBO's website.
Keep in mind that the BP Credit Card requires good credit, which means you need a 700+ credit score for high approval odds. Also note that applying for the card triggers a hard inquiry, which may temporarily hurt your credit score. So, it's good...
Unfortunately, you can no longer apply for the BP Gas Card as this card is no longer available to new applicants. You can, however, apply for the BP Credit Card instead.
The BP Credit Card offers 1 - 5 points per $1 spent. The card also has a $0 annual fee. It's also worth noting that you need to have at least good credit for high chances of approval.
BP Credit Card Rewards Info
Earn 30¢ off per gallon for 60 days after account opening and 15¢ off thereafter.
Earn 5% cash back (5 points per $1) on non-fuel purchases at BP and Amoco; 3% cash back (3 points per $1) on groceries and on dining, and 1% cash back (1 point per $1) on all other qualifying purchases.
Redeem points for cash back, account statement credit, gift cards from major retailers, travel experiences and more.
There is no limit on the number of points that can be earned. Points expire after the fifth anniversary of when they were awarded.
The BP Credit Card rewards are 30¢ off per gallon for 60 first days, and 15¢ off per gallon after your first 60 days, plus 5 points per $1 spent on non-fuel purchases at bp and Amoco, 3 points per $1 spent on groceries and dining purchases, and 1 point per $1 spent on all other purchases. This card is on the Visa network and can be used anywhere Visa is accepted.
BP Credit Card Rewards Info
Earn 30¢ off per gallon for 60 days after account opening and 15¢ off thereafter.
Earn 5% cash back (5 points per $1) on non-fuel purchases at BP and Amoco; 3% cash back (3 points per $1) on groceries and on dining, and 1% cash back (1 point per $1) on all other qualifying purchases.
Redeem points for cash back, account statement credit, gift cards from major retailers, travel experiences and more.
There is no limit on the number of points that can be earned. Points expire after the fifth anniversary of when they were awarded.
It is worth noting that cash back rewards are applied to your BP Credit Card account within 2 billing cycles from the billing period in which they were earned. Finance charges and fees do not earn cash back. Cash back rewards are forfeited if your account is closed for any reason.
You can get a BP Credit Card cash advance at an ATM. But you'll need a BP Credit Card PIN for that. If you don't have one, you can make a request over the phone at (888) 295-5540. You may also get a cash advance at a local bank without a PIN.
BP Credit Card Cash Advance Details
How to get a cash advance. You can get a cash advance at an ATM, but for this you'll need...
Keep in mind that if you use your card abroad, or for shopping online through international merchants, you'll be charged a foreign transaction fee of 3%.
Bankcard Payment Processing PO Box 2557 Omaha, NE 68103-2557
When paying BP Credit Card bills by mail, be sure to submit either a check or money order for the payment amount. First National Bank of Omaha does not accept cash.
Tips For Mailing BP Credit Card Payments
Include your credit card number on your payment to avoid any processing delays.
The BP Credit Card credit limit is usually around $1,500 to start, according to forum posts, and some cardholders report limits as high as $4,350. First National Bank of Omaha does not include any specific BP Credit Card credit limit information in the card's terms, though.
For the most part, BP Credit Card credit limits depend on each applicant's overall creditworthiness. Those with the highest income and best credit scores will generally be offered the highest starting credit limits.
The main difference between a charge card and a traditional credit card is that charge cards don't allow you to carry a balance between months.
Both types of cards allow you to buy now and pay later. Charge cards require the payment to be made for the full amount you owe at the end of the billing cycle. Regular credit...
Yes, you can get cash back with your BP Credit Card. More specifically, this card gives you 30¢ off per gallon for 60 first days, and 15¢ off per gallon after your first 60 days, plus 5 points per $1 spent on non-fuel purchases at bp and Amoco, 3 points per $1 spent on groceries and dining purchases, and 1 point per $1 spent on all other purchases.
Here's how the BP Credit Card's cash back works:
To redeem your rewards at the pump, enter your phone number at participating BP Stations or swipe your BP Credit Card, at the beginning of the transaction. The prompt then asks if you would like to redeem your rewards.
Here's how to get a cash advance with your BP Credit Card:
Share your insights and review for the BP Credit Card
5
9%
4
10%
3
19%
2
41%
1
21%
2.4
396 reviews
396 reviews
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loganlizard @loganlizard
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1 Star Rating
This card is terrible. High-pressure salespeople call constantly to push me to use my card, or it will be canceled when I don't even need fuel. I was locked out of my online account before I finished setting it up. They emailed me blank invoices, so I had no information or means of paying them. They charged me fee after fee. Waiting on hold for a long time to speak with customer service just to be transferred. I spent more on fees than on fuel and never received any rewards. I would be better off with a regular credit card.
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SHANE P @hhambrick8
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1 Star Rating
Verified Customer
Do not get this card. Originally approved for a $3,800 credit limit, six months later my limit was cut by almost half. They sent me an email saying, "This new limit went into effect yesterday, and we will mail you our reasoning behind this decision." Apparently, if you start using their card too much, you become a credit risk.
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richb_6 @richb_6
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1 Star Rating
Verified Customer
WORST Bank EVER!! BP needs to dump FNBO and partner with a good bank. Terrible customer service, outrageous fees and they will lock your card for stupid stuff!!
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pittsburgh0535 @pittsburgh0535
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1 Star Rating
BE WARNED biggest scam credit card company I ever used. They charged me a late fee of $75 and didn’t tell me. Then charged me another $75 late fee for not paying the original late fee that I didn’t know about. Purposely didn’t send a statement that month so I wouldn’t know. There website is outdated and never lets you log in. Then charge you $15 to pay your bill by phone. I’m pretty sure this whole company is one big scam. Avoid at all cost.
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First National Bank of Omaha @FNBO
We appreciate you taking the time to bring your concerns to our attention, and would like to take the time to address some of them. Unless a customer has enrolled in eStatements, we will mail a statement to the address on file on the statement closing date each month. If you are not receiving your statements, you can give us a call at the number below to verify you are not enrolled in eStatements, and that mail is not being returned. For the BPme Rewards Visa Credit card, the late fee may be up to $40. Additional information about how late fees are calculated and assessed can be found in your Cardmember Agreement. At this time, FNBO does not charge a fee to make payments, whether this is by phone, website, or other method. To help with the issues you are experiencing getting into your account, and to see what options we may have regarding any late fees that may have billed, you can always give us a call at 888-530-3626.
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0
0
Elizabeth @libbatodd
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5 Star Rating
Verified Customer
I have had this account for many years and they allow to use it for more than just gas. I have had no problems at all with this card.
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0
0
Judith @jandhbarton
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5 Star Rating
Verified Customer
This was a great card. It was in my husbands name and he died of Covid in 2020. I was not allowed to switch it to my name. I used it for everything including the checks that were sent to me to get some money . Used it on trips, for groceries and for gas. Used it online for orders and it was a dependable card.
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Dan @danc_23
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1 Star Rating
Verified Customer
Seems this card is not as secure as others. My card has been breached 3 times in the last few months , thinking I should close this account?
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1
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PDG3311 @PDG3311
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5 Star Rating
Verified Customer
BP Oil is excellent - Great Service - Very Clean Gas Stations - employees or owners reflects BP Oil is the right place to be at and use BP products. Yes the Coffee is the best of all other Gas Stations that has Coffee.
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Charles @charlesw_437
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5 Star Rating
Verified Customer
you get 15 cents off each gallon of gas at PB and Amaco stations, it's a great deal for a gas only, that's what me and the wife use it for.
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Sikneh @sikneht
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1 Star Rating
Verified Customer
Not recommend, I had for a short time and the company reduced credit limit for no reason I don’t recommend to anyone looking to repair credit
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