All Credit Cards » Synchrony Bank Credit Cards

BP Credit Card

bp credit card
Required Credit Score:
Good
311 reviews   Write a Review
Info about the BP Credit Card has been collected by CardHub to help consumers better compare credit cards. The card issuer did not provide the details.
JUMP TO: REWARDS | APRs | REVIEWS | Q&A | CUSTOMER SERVICE INFO
Existing Cardholders
 
 
 
Change my rating to: Excellent

BP Credit Card’s Rewards

Bonus
$0.25 per gallon
Base Earn
$0.05 per gallon
Max Earn
$0.15 per gallon
  • Earn 25¢ off per gallon for every $100 you spend everywhere Visa® credit cards are accepted for the first 90 days (excluding non-BP gas stations).
  • Earn 25¢ per gallon for every $100 you spend at BP.
  • Earn 15¢ per gallon for every $100 you spend for eligible groceries, dining and travel.
  • Earn 5¢ per gallon for every $100 you spend everywhere else Visa® credit cards are accepted (excluding non-BP gas stations).

BP Credit Card’s Key APRs & Fees

Purchase Intro APR
Not Offered
Transfer Intro APR
Balance Transfers Not Allowed
Regular APR
27.24% (V)
  • ANNUAL FEE None

BP Credit Card’s Additional Info

  • MAX LATE FEE   $37
  • MAX OVERLIMIT
    FEE  
    None
  • MAX PENALTY APR   None
  • GRACE PERIOD   23 days
  • ONLINE RESPONSE   No
  • CASH ADVANCE
    RATE
    29.99% (V)
  • CASH ADVANCE
    FEE
    5% (min $10)
  • FOREIGN
    TRANSACTION FEE  
    3%
  • SMART CHIP   Yes, chip-and-signature
Apply Now
at Synchrony Bank ’s
secure site

Customer Questions and Answers

Don't see what you're looking for? Submit your question about BP Credit Card to our community.

Do you pay on this card every month?
Reply

Photo of Card H.
Feb 15, 2016
You can pay the balance every month, in order to avoid interest charges or you can carry a balance from one month to another, if you need to, but keep in mind that if you carry a balance beyond your grace period, interest will begin to accrue on that existing balance as well as any new purchases that you make thereafter. You will have to pay your bill in full for two consecutive months to regain your grace period and stop interest charges. You can learn more about how credit card interest works at: cardhub.com/edu/how-credit-card-interest-works/ . Hope this helps. Best of luck! more
9 Votes 14 5

How do I do an emergency cash advance?
Reply

Photo of Card H.
Mar 31, 2016
You can perform a cash advance at any ATM, provided that you have obtained a PIN from the card’s issuer. To get your PIN, you can call customer service at 866-419-4096. Just take into account that cash advances are quite expensive. You can learn more here: cardhub.com/edu/credit-card-cash-advance/ . We hope everything is OK!
6 Votes 6

Can I use this card to get cash back?
Reply

Photo of Card H.
Feb 15, 2016
The rewards for this credit card are offered as cash back. To redeem your rewards at the pump, enter your phone number at participating BP Stations (excluding New Jersey) or swipe your BP Driver Rewards card, at the beginning of the transaction. The prompt then asks if you would like to redeem your rewards. If you are asking about the possibility to get cash in a BP branded gas station by using your card, unfortunately the answer is negative. You will have to use an ATM to get a cash advance. However, we advise against cash advances except in cases of absolute emergency, as you’ll be charged a fee of more
3 Votes 6 3
Show More Questions

Customer Reviews

Share your insights and review the BP Credit Card.

Your Rating
Delete Review

2.4 out of 5

311 reviews
5%
10%
19%
49%
17%
Photo of Rob B.
Apr 4, 2016
This is the biggest rip off of a card I've seen in a while, My credit is good, I never have missed a payment. I had a small balance going forward through the winter that I just paid a huge chunk of. Why? because for absolutely NO reason my interest rate went from 14% to 27%. I called customer service, they say "we are competitive and we don't have an annual fee" LOLL. Really? neither does any other card. I've never missed a payment and never had a cash advance, and I'm paying 2% less than the MAXIMUM interest rate allowed by law. Put me in the same category as more
Photo of Jennifer K.
Mar 26, 2016
This card is was great when it was chase bp. The customer service at synchrony bank is terrible. You are automatically talking to a person that doesn't speak good english when you have to call. I signed up for automatic payments 3 different times before it worked. This was over an 7 month period. Wish BP had never went with Synchrony Bank
Photo of Suzy C.
Mar 8, 2016
I just found out our BP Visa, which is unfortunately through Synchrony Bank now, doesn't provide a year end summary of their accounts. Also, it is set up to where only the last 3 previous months statements are available online. I have Never had this problem with J P Morgan Chase!! In 2016 I find this truly hard to believe. To use this card for business would be a BIG mistake!
Photo of Amy S.
Mar 2, 2016
BP Credit cards are awful, I use them for business, they are unreliable and everytime you call customer service, you get a different answer
Photo of John D.
Feb 25, 2016
I have been a loyal bp card user for years have a good credit rating high 700's to low 800's rewards have been going down for years. Last year bp sold its card service from Chase to Synchrony Bank interest rate went from 11.9 % to 27.9% that is the final straw card will be never used again. To bad as I do like BP Gas stations.
Photo of Billy B.
Dec 10, 2015
they send me a pre approved application in the mail and I applied and they denied me marking my credit with a bad inquiry
Photo of Scott H.
Sep 8, 2015
The main focus of this credit card is the gas reward, but I can find better offers locally simply by shopping at a grocery store through their reward program (10 cents off per gallon for spending $50).

The positives for this card include no annual fee, the initial bonus for gas purchases (25 cents per gallon) and the lack of an overlimit fee.

Some of the negatives include a higher than average annual percentage rate, the penalty fee and the focus on one specific gas station that is nowhere near me.
Photo of John P.
May 27, 2015
The BP credit card is a good card for gas rewards. The intro rate of 25 cents back per gallon is certainly a draw, and the bonus after that is pretty good, too. The interest rate is medium-high. Compared to my mastercard, it would be a great card to use when filling up the car, but I wouldn't use it for much else since there are not other incentives to shop at different types of stores or for overall money spent each month.
Photo of Mitch D.
May 6, 2015
The BP Credit Card is a pretty good card if you like gas benefits. It does have some drawbacks to though.

On the plus side, it's got a decent interest rate, and a lot of potential reward points/discounts through the purchase of gas and other goods at BP gas stations.

On the downside, the interest rate is a little high and the really good parts of the rewards program only apply to BP gas stations.

If you compare this one to say a Capital One or Discover Rewards card, it doesn't really stand out that much. It's rewards have limited flexibility and don't scale that much better than others.

If you go to a more
Photo of Lauren C.
Apr 2, 2015
Regarding the BP gas credit card, I like the 20 cent discount on the first 20 gallons of gas. The thing I don't like is that I would have to drive 30 miles for gas since that is the nearest BP gas station.Also, I don't care for the 29.99% maximum penalty APR. I have a Phillips 66 card at the present time and it has a discount on fill ups and it is closest in mileage to my home so I use it most of the time. Their gas station is close to where I do most of my shopping so it very convenient.
Photo of Ladybug L.
Apr 1, 2015
I had the card, but never used it. Its great, if you are near a BP station often. These days bank of america and other banks have rewards too. Don't really need a gas card, so I destroyed it.
Photo of Miles E.
Mar 27, 2015
My benefits keep being reduced with out my being notified.
Photo of Stephanie W.
Mar 18, 2015
This card is great for those who are on the road a lot. I am a homemaker and I am rarely out driving so this is not a card for me particularly. I think that the rates should be more competitive. It is very easy to get credit cards for gas stations, perhaps offer other bonuses. Another issue I have personally with this card is that I rarely see a BP gas station. All of the BP's that I know of have gone out of business so I have no idea where I would use this card. And any time I did see a BP their prices were more than more
Photo of Ronald W.
Mar 4, 2015
I use the BP credit card quite frequently. I drive 450 miles a day for my job, so I buy a lot of gas. The rewards I get for this card are comparable to some of my other cards, except I only can earn the rewards when I get gas at BP. It would be much better if there were more BP locations, because there are times I need to get gas and there isn't one around. Overall, I get my savings when I can get to a BP, but otherwise I use a different card.
Photo of Will B.
Feb 16, 2015
The BP credit card seems like a pretty middle of the road card by my estimation. It doesn't have a lot of factors that would make it worth having on me all the time. I'd prefer using my discover card that gives me back a universal amount rather than constantly having this on the case I need gas. It just seems like a lot of hassle for the benefit in the end. While their don't seem to be any striking negatives of the card it is hard to justify. Plus the fact it does have a requirement of a good or excellent credit score I think it is pretty inaccessible more
Photo of Zach V.
Jan 12, 2015
It seems like the BP Credit Card has an acceptable rebate rate to make for a good deal, however, there is a lot of competition now that many other cards offer higher percentage cash back when buying gas. However, it would be a good choice for those who live near a BP and are therefore regulars at that station. I like that the card offers rewards on gas purchases up to 20 gallons because that covers pretty much all vehicles. However, i don't like that the first 60 days seems like a short duration to get the 25 cent per gallon rebate rate.
Photo of Ruth B.
Dec 19, 2014
Sounds like a useful card to have if you spend a lot on gas during the month. Rebate on gas can add up!
Photo of Joe M.
Nov 28, 2014
I have the BP Credit Card and overall I am very pleased with it. I used to buy my gas exclusively at Mobil and I had their credit card for sometime as well, but you can't beat what BP offers. The savings really add up and you have to buy gas anyway. I live on tight budget and every little bit helps so I recommend this card to anyone looking to save some money on something they already do. Who doesn't buy gas, right??? Everyone does. My only critique is I wish the rewards you get in the beginning could be extended for a greater period of time. The penalty more
Photo of Ryan H.
Nov 18, 2014
The rebate on gas purchases seems appealing at first, but you must spend $100 at BP thereafter. BP gas stations are not located everywhere so I find it challenging to spend $100 to get the $.25 discount per gallon. The price of BP gas is a bit more expensive than other gas stations, but the $.25 discount helps void that. The fees can get expensive based on where you are located and may not be worth it to some people.
Photo of James N.
Nov 18, 2014
The rebate on your gas purchase seems nice but it requires a lot of other purchases to start earning them, I use the AMEX Costco for all my gas purchases, it gives me 3% cash back without having to spend a penny anywhere else, plus Costco gas is the cheaper in town.
Photo of Amy B.
Oct 27, 2014
I love the BP gas cards. We have a lot of BP's in our area and I love using them because the store part is always nicer than the other gas stations. The only downside though is BP gas is usually a bit higher than all the others. With my card though I can get gas at the same price as the other gas stations. Sometimes even cheaper if I have enough points. The only downside is the high fees associated with this card.
Photo of Chris K.
Oct 3, 2014
The BP gas card is a great option for any driver who passes one of their stations during his or her daily commute because of the perks of using the card at their own gas stations. Their APR however, isn't as good as other station's gas cards I've had in the past in terms of APR. I like my card because I pass a BP everyday.
Photo of Masha C.
Sep 24, 2014
The Chase BP credit card seems like a decent value if you have a BP in your area. Unfortunately, I don't think there are any within 50 miles of me. Also, it's too bad that the savings don't kick in until you spend a certain amount of money. My discover card gives me 5% cash back on all gas purchases. It would also be a problem that it's only up to 20 gallons. This would force me to go to the gas station more often, since I have a 26.5 gallon tank.
Photo of Jerry C.
Sep 12, 2014
Be aware of no grace period at all on Chase BP cards when making your payments. My payment was delayed by one day because of Labor Day and no mail being delivered, I was charged a 25.00 late fee. When I called Chase they said if your payment is one hour late you are charged a late fee, (are you serious). After I told them to call the USPS and tell them they will have to keep the mail going throughout all of the holiday's, they waved the fee. I've had a BP Card for at least 15 years and have alway's paid on time, therefore I would give them more
Photo of Colton Y.
Sep 10, 2014
The BP Credit card would be a great way to save a little on fuel expenses. However you have to use a BP station, which may not be easy to find in your area. Also the rate is a little higher than a regular credit card. This card would be a great choice for businesses that travel and use a lot of fuel. I would like to see this card have a lower interest rate and perks, since they are already making a fortune on you buying gas from them.
Photo of Dee J.
Sep 5, 2014
If there was a MINUS star I'd click on that. DO NOT UNDER ANY CIRCUMSTANCE GET THIS BP BUSINESS SOLUTIONS CARD. It is the BIGGEST rip off. Does anyone read the FINE PRINT about all the fees. They fee you to death. Our company wasted so much money with this company and then the software is NOT user friendly. Hard to get the reports you want ESPECIALLY the ones showing you all the nickle and diming they do to you. BUYER BEWARE AND I'M SERIOUS.
Photo of Michele R.
Aug 15, 2014
This is a great way to save on gasoline. Anyone that has a car needs gas. You might as well earn gas rebates when filling up. As long as you pay off the balance every month this would be a great card to have. One negative thing is if you are one that will not pay the balance off every month this would not be a card to have with an APR of 20.24%. It does however beat the Citgo Gas card that has an APR of 24.99%.
Photo of Ed V.
Jul 21, 2014
Gasoline is expensive, and this card allows for savings based on the amount of money I spend. Nice!
Photo of Jake M.
Jul 7, 2014
I like that this card has no overlimit fee like MasterCard, and savings on gas (which MasterCard doesn't have). However, I don't like that, like MasterCard, it has a transaction fee when used in foreign countries.
Photo of Elliott A.
Jul 7, 2014
This is a good card for someone who drives a lot and wants to save money on gas. The rewards program would seem to require the consumer to purchase a LOT of gas to make it worthwhile.
Photo of Kali B.
Jun 2, 2014
Everybody needs to get gas...and BP is everywhere. So, using this card solely for your gas purchases at BP gas stations appears to have good benefits...if you pay the card balance each month. With a 20+% APR, I would not recommend this card to anyone who has trouble limiting their spending as they will pay way more in APR than they will receive in benefits. There is also no indication of an annual fee so that is something that should be confirmed before choosing this card.
Photo of Aaron V.
May 16, 2014
This is a good card as long as only gas is purchased. The rewards look to be very generous when gas is purchased at a BP stattion. However, the APR is very high. I would be reluctant to get the card for anything but gas.
Photo of Jeff H.
May 6, 2014
I like the idea of the BP Credit Card as it actually offers a good reward system for people who use it, giving them discounts on gas when they use it. I do wish it would be higher than $ .15 a gallon after the initial 60 days. But that still really adds up if you purchase a lot of gasoline. As for the card itself, I feel their regular rate of 20.24% of interest is high, however, I had a Capital One Platinum card that had an APR of around 24 pct. All the way around, the BP card and the other card I have are very similar in more
Photo of Erin T.
Apr 30, 2014
I think that the BP credit card was a cool idea because it is handy having a credit card for gas. However, there are not BP gas stations in every area so I feel like that benefit is lost to many. And also, not many people spend $100 on gas at a time, so that is lost on many people also.
Photo of John H.
Apr 4, 2014
The BP Credit Card is a cool card I would have to say, seeing how there's are lot of BP stations where I live, it makes perfect sense. Everyone would like to save a little more on gas and the BP Credit Card allows for just that.
Photo of Sam M.
Apr 1, 2014
If you're going to get this card I would first say, make sure there are some stations around you, because like most gas cards you can ONLY use it at BP. I would keep this card for when I am BROKE and need gas. The rewards are a little hard to accumulate. So really only useful if you have a long commute and gas up A LOT. The interest isn't bad, as interest goes. The fees are pretty standard also. All in all I would say to go for it if you tank up often, but otherwise you might be better off with a card that gives you points for more
Photo of Jaye G.
Mar 20, 2014
I don't have a lot of BP stations around where I live now so it's not very useful for me. Having a gas credit card helps though, when you're in a pinch and you don't have enough money for gas that day. I mainly use this when I am travelling but even then it's pretty rare that I use my BP Card. The rewards aren't very rewarding, I have never spent $100 in one fill up, my car doesn't even take that much gas. But other than, it's good to have in case of emergencies!
Photo of Kate P.
Mar 11, 2014
Well, I don't really like that this BP credit card makes you spend at least $100 on the fill-up at the BP station in order to get the rebate. My car doesn't fill up with that much, so that wouldn't really help me at all. There's also no intro APR rate or rate on transfers and the APR on the BP credit card seems generally pretty high to me, so there doesn't seem like much reason to get this card, honestly. I would probably choose another card over this one, although I have had good experiences with other Chase credit cards, such as lower APR and intro APR rates and more
Photo of Anthony T.
Feb 13, 2014
As someone who doesn't own a gas credit card, I don't have much use for a BP card, especially since I'm not brand loyal when it comes to getting gas. But as gas credit cards go, this BP card is fine as long as you fuel up regularly at one of their stations. An initial 5% reward on gas is nice, and it stays at 3% thereafter. But any APR as high as 15% isn't good, let alone the 20% they offer. This card is fine for using at BP-- a lot-- but for any other purchases, I would just stick with another credit card. In my case, it's a more
Photo of Catherine R.
Jan 29, 2014
The BP credit card is the card for people who do nothing but buy gas all day at BP stations. This card may save a lot of money for those who drive around a lot and have a lot of BP stations nearby, but it wouldn't work for me. The 25 cent rebate off 20 gallons for every 100 dollars spent is equivalent to 5 percent cash back, which is not groundbreaking for such a restrictive card. You also get nothing back for non-BP gas purchases. In comparison, the Chase Freedom card offers 5% cash in "certain categories" and 1% back on everything.
Related Credit Cards

If you are interested in the BP Credit Card, check out the following credit cards as well:

 
Related Credit Card Categories

BP Credit Card is related to the following credit card categories:

Other BP Cards

CardHub is an independent card comparison service.

We work hard to present you with the most accurate credit card information, however, this information does not originate from us and thus, we do not guarantee the accuracy of the information. Once you click the "Apply Now" button, you will be directed to the issuer's website. Before applying, we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences related to the BP Credit Card shown on this page.

Ad Disclosure: Certain offers originate from paying advertisers, and this will be noted toward the top of the page using the designation "Sponsored Card", when applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At CardHub we try to list as many credit card offers as possible and currently have more than 1,200 offers, but we do not make any representation of listing all available offers.

Regardless of advertiser status, none of the information on CardHub constitutes a referral or endorsement of the respective issuer by us, or vice versa. Furthermore, it is important to note that the inclusion of non-sponsored cards on CardHub does not indicate that issuer's involvement with the site. Information is displayed first and foremost for helping consumers make better credit card decisions.

Last updated on: Apr 19th, 2016 at 10:52 EDT

Your email request has been submitted

Thank You



Go Back

Share by Email

250 Characters Remaining