BP Credit Card

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bp credit card
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271 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.
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BP Credit Card’s Rewards

Bonus
None
Base Earn
$0.05/gal.
Max Earn
$0.15/gal.
Earn / Redeem Limit
No
  • Earn a $0.25/gal. rebate, applicable to a maximum of 20 gallons on a single fill up at a BP station, for every $100 you spend during the first 60 days.
  • Earn a $0.15/gal. rebate, applicable to a maximum of 20 gallons on a single fill up at a BP station, for every $100 you spend at BP thereafter
  • Earn a $0.05/gal. rebate, applicable to a maximum of 20 gallons on a single fill up at a BP station, for every $100 you spend nearly everywhere else

BP Credit Card’s Key APRs & Fees

Intro Rate on Purchases
Not Offered
Intro Rate on Transfers
Not Offered
Regular Rate
20.24% (V)
  • ANNUAL FEE None
  • BALANCE TRANSFER
    FEE
    3%

BP Credit Card’s Additional Info

  • MAX LATE FEE   $35
  • MAX OVERLIMIT
    FEE  
    None
  • MAX PENALTY APR   29.99% (V)
  • GRACE PERIOD   21 days
  • ONLINE RESPONSE   No
  • CASH ADVANCE
    RATE
    23.24% (V)
  • CASH ADVANCE
    FEE
    5% (min $10)
  • FOREIGN
    TRANSACTION FEE  
    3%
  • SMART CHIP   No
  • The rewards you earn in this program are called cents per gallon Rebates (“Rebates”). Purchases made at non-BP gas stations do not earn Rebates in this Program.
  • If you choose but do not qualify for the BP Visa, you will then automatically be considered for a BP Card, unless you have requested not to be considered for this card. The BP Card can only be used at BP locations and has different rates, fees, benefits, rewards, and credit availability.

Customer Questions and Answers

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As of Mar. 3, reward program very confusing. I can't tell if I got a discount until after I purchase my gas. Card was attractive at first. "Bait and switch".
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Customer Reviews

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2.3 out of 5

271 reviews
5%
8%
18%
52%
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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.
Photo of Dana D.
Dec 26, 2013
The BP Credit Card is, to me, an average card. I like the fact that you can get rewards per gallon, but I wish it applied to all other gas stations as well. We like to travel and to be constantly in sight of a BP or BP owned station is not always possible. The interest rate is not anything to write home about, but if you can handle that, then this card is most definitely the absolute way to go.
Photo of Frank O.
Dec 11, 2013
The best thing about this card is that there are no limits to how much you can earn and how many points you can redeem. Everybody buys gas, so having the points be attached to gas is a great idea. I would be sure to rack up rewards with this card.
Photo of Jason B.
Dec 8, 2013
The BP Credit Card is a better than average choice if you are in the market for a card that offers a great gas rebate program. Assuming you live near or travel near lots of BP gas stations, the savings will add up quickly, especially for those who do a lot of driving. Although I’m not a fan of any card with an interest rate over 20 (and this one squeaks by that standard at 20.24%) the savings from the gas rebates at the pump will lower your monthly gas expenses and should offset that rate. If you live near a lot of BP’s, this is the gas card for more
Photo of Connie C.
Nov 25, 2013
The BP Credit Card is a mediocre card for people who use a lot of fuel and want to save. It also has an option to convert the rewards to a statement credit rather than fuel rebates. The interest rate is a little high compared to other cards in its class such as Chase or Capital One, and the rewards are only valid at BP gas stations. I don’t think this card would be well suited for myself, but I think there are some people who could benefit from it, but it’s a very specific type of person. The card doesn’t have mass appeal.
Photo of Allen M.
Nov 21, 2013
The BP gas card is not a completely bad card to have; but my major problem is that it limits you to filling up at BP for the discount when typically there are a lot of other gas stations offering much better prices. The way the rewards are set up is that it only lets you save a certain amount of the price per gallon when I would much rather be able to earn gas cards that let me have the occasional fill up for free. You have to spend a $100 in order to get to save 5 cents so it’s a terrible deal. Basically you’re better off just more
Photo of Nicole A.
Nov 16, 2013
I feel many people here do not have gas station reward credit cards. The BP Credit Card is better than your average gas credit card! For example, shell gives no rewards, exxon only gives $.06 cents off 45 gallons. This card is also comparable to the citgo credit card in terms of rewards. First, no signup or annual fee. Second, if using this card for gas at BP, you do save money. Yes, yes, this is not as comparable maybe to credit cards like BOA or hilton where you can get 3 points per dollar when filling up with gas, but this is nevertheless a reduction of your gas bill more
Photo of Lily Y.
Nov 8, 2013
This card is decent but the fact that non-BP gas stations do not earn rebate is frustrating. Since all major credit cards will give at least 1% back on everything. I am not always near a gas station that is own by BP. I also don't like how lame the promotion period is. A lot of gas cards out there give more than .25 cents to the gallon.
I never had a late fee but the price on the late fee is fair. I do feel that the grace period is less than normal. Usually grace period is about 30 days. The apr and cash advance rates are high. If more
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Last updated on: May 27th, 2015 at 8:23 EDT

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