BP Credit Card

BP Credit Card
Required Credit Score: Excellent, Good
2 224 reviews   Write a Review!
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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%
  • 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.
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BP Credit Card Reviews

 
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2.2
Overall Rating: 2.2 / 5
Total Ratings: 224
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Apr 4, 2014
Photo of John H.
4
By:
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.
Apr 1, 2014
Photo of Samantha M.
2
By:
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
Mar 20, 2014
Photo of Jaye G.
3
By:
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!
Mar 11, 2014
Photo of Kate P.
2
By:
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
Feb 13, 2014
Photo of Anthony T.
3
By:
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
Jan 29, 2014
Photo of Catherine R.
2
By:
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.
Dec 26, 2013
Photo of Dana D.
3
By:
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.
Dec 11, 2013
Photo of Frank O.
4
By:
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.
Dec 8, 2013
Photo of Jason B.
4
By:
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
Nov 25, 2013
Photo of Connie C.
3
By:
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.
Nov 21, 2013
Photo of Allen M.
2
By:
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
Nov 16, 2013
Photo of Nicole A.
3
By:
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
Nov 8, 2013
Photo of Lily Y.
3
By:
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
Nov 5, 2013
Photo of Gregory S.
4
By:
The BP Credit Card would be very beneficial to someone who is looking for a gas rewards card and it does offer a 25 cent/gallon rebate on fuel purchases during the first 60 days. I should point out that the Kroger 1-2-3 Rewards Card has a similar offer but it lasts 90 days in contrast to BP's 60 day offer. Yet the BP Credit Card's shorter initial offer is offset by the fact that it offers a 15 cent/gallon rebate on fuel purchases after the first 60 days so you can use the card to save money on gas continuously. I don't like the fact that this card doesn't have more
Oct 29, 2013
Photo of Chris B.
3
By:
The BP credit card is a decent option if you drive a lot and tend to fill up in areas that have BP stations. The reward system is needlessly confusing, but it looks like the bottom line is that you get a 15 cent per gallon rebate on purchases with BP and a 5 cent per gallon rebate on general purchases. There is also a nice bonus for BP purchases in the first 60 days. There is no annual fee and the APR is not that excessive, so you could do a lot worse than the BP card if you have been spending a ton of money at the pump. more
Oct 24, 2013
Photo of Aaron G.
4
By:
I wish I had a credit card like this for the gas station I most often use. This BP credit card offers a fair APR, around 19 percent for regular purchases. I was looking at a similar card for ExxonMobil and their interest rate is almost 25 percent for regular purchases. Everyone likes saving on gas and so if you fill up at BP this is probably a good card to get. The initial offer is good but the ongoing discount of 15 cents per gallon up to 20 gallons for every 100 dollars spent at BP is not too shabby. I think this is normal for gas credit cards more
Oct 21, 2013
Photo of Anita G.
3
By:
Gas cards are enticing and this is a good credit card if you often fill up at BP. I had a Shell credit card and it only offered me an initial discount. Thereafter, I received nothing for filling up gas at Shell. I signed up for that card because I did not have many credit cards and wanted to build up my credit. However, it had no real benefit for me. The discount for the BP credit card does come in handy if you fill up there anyway since you do get occasional discounts, fifteen cents for a maximum of twenty gallons for each $100 spent at BP. However, if more
Oct 12, 2013
Photo of Jeremy A.
3
By:
If you fill up at BP, this could be a decent enough card to carry around with you. Gas rewards in this economy are usually pretty enticing to most consumers. Obviously your rewards only matter at BP, so you'd have to have a BP or two nearby to take advantage of them. The only problem I guess I can find is that it's only a gas card, that's it, and a specific gas station to boot. The rewards are very specific, so if you don't use the car or fill it up very often, this would be pointless to have.
Oct 3, 2013
Photo of Jaime K.
3
By:
The BP Credit Card does not seem like a quality card for me to have. It is okay if you have a car that requires a lot of gas, but for those who do not use much gasoline whether that be because of great mpg, having a hybrid or using public transportation, the fees outweigh the benefits. The APR is steep. As a member of a couple of Chase and Capital One cards, I’ve never seen an APR even close to 29%. It appears that you’ll save at move 2-3% on your annual gasoline expense. Now if you can pay this off effectively every month, while filling up about 3+ more
Sep 27, 2013
Photo of Resonanteye M.
3
By:
Seems like a good thing that it gives the BP reward. The rates are much higher than the card I use, from netspend, so even though it gives the rewards for BP I don't think I'd sign up for it. If you plan to use it only to get gas at only BP stations, it might be a great deal, but if you plan to carry any balance those rates are pretty high when compared to other cards.

There's no annual fee either, which is a good thing. The BP card seems like it would fit some people well, if they had it in mind for simply buying gas.
Sep 18, 2013
Photo of Dallas H.
2
By:
I believe the BP Credit card is just an okay credit card. As with any other gas station credit card, they are only really good if you go to their gas station a lot. If you gas up exclusively at BP stations, this card will be for you. Otherwise, there are many other rewards credit cards that give you 2% back on gas purchases anywhere. The card starts off great, where you get 25 cents off a gallon for up to 20 gallons for every $100 you spend in the first two months. But after that, you only get decent rewards if you only fill up at BP (15 cents more
Sep 12, 2013
Photo of Sheryl P.
2
By:
As with any gas card, the purpose of the BP Credit Card is that they want you to refuel at their gas stations as much as possible. It can be very tricky to break down how the rewards work exactly and if a regular credit card is better. The typical reward for this card is 15 cents off per gallon when you spend $100 at any BP, with a cap of 20 gallons of gas. That means you are essentially getting 3% back by using BP, which is pretty decent. The other reward of earning 5 cents per gallon when you use your card elsewhere is equal to 1% cash more
Aug 30, 2013
Photo of Pat E.
3
By:
The BP Credit Card is a cash back card ideal for those who, obviously, have cars and use BP pumps frequently. I personally haven't had a cash back card, but I would definitely consider one if I traveled a lot by car. The APR is decent, and there are no terrible features to be seen. With regards to the rewards, you earn 25 cents/gallon for 60 days, then 15 cents to $100, then 5 cents after that. And you can redeem your money, though you need to do it in one fill-up, which seems odd. No other rewards are shown, which I think could have been improved on. I suppose more
Aug 22, 2013
Photo of Chris M.
4
By:
Sometimes I will use the BP Credit Card at gas stations and such. It isn't the best rewards card for such things but it's alright I guess. I definitely have other cards that are much better. The rates aren't the best and honestly, this is a card you can live without. Especially if you have a better rewards card available. On the plus side, it's pretty easy to get approved for the BP Credit Card, as I got approved when I had fair to below average credit rating. It helped me build my credit score so I am grateful to that. Overall, it's a average credit card.
Apr 5, 2013
Photo of Rebecca C.
4
By:
I got this credit card about 4 years ago. I use it for gas and everyday purchases, paying it off every month. They recently switched up the rewards program a little, but it still gives you a great rebate. Since I pay it off every month, I can't comment on rates and such, but if you're looking for a card that will kick back a little extra for you on purchases you would be making anyway, this card is great. Yes, the rewards program is a little confusing, so I just go with the $15 statement credit option. It works for me.
Aug 22, 2012
Photo of Nicholas W.
4
By:
The BP credit card was one of my first credit cards and they have been good to me for the 10 years I've had the card. I've moved to an area that doesn't have any BP stations that are convenient for me to get to so I miss out on the gas discounts but I still like to use the card for a lot of my purchases because I pay off the balance every month anyways. When I do see a BP station I make sure to fill up to get a discount. I know the discounts have changed in the last few months but honestly you're getting a discount more
Jun 21, 2012
Photo of Tiffaney L.
5
By:
I really like my BP Visa credit card because it saves me money on gas. Every time I go to a BP gas station I use this card. When I swipe it at the pump it asks me if I want to get instant money off of my price per gallon. I always select yes and this saves me a lot of money. I have never had any problems using this credit card. I am signed up for the auto pay so my bill gets automatically taken out of my checking account. It is the only credit card I use and will keep using it for a long time.
Mar 1, 2012
Photo of Card H.
2
By:
BP and Chase are changing the terms of their credit card rewards program, effective March 3. These changes not only make the program considerably less rewarding, but they are also downright confusing. Instead of the simple and generous rewards structure that made the BP Credit Card so popular (i.e. 5% cash back on BP gas, 2% on travel and dining, and 1% on everything else), the New BP Credit Card with Pump Rewards only gives you a $0.15/gal. rebate for every $100 you spend at BP and a $0.05 per gallon rebate for every $100 you spend everywhere else (except non-BP gas stations). Since you can only use accumulated rebates more
Apr 30, 2012
Photo of Joe W.
Joe Weider
I HATE the changes BP made to its credit card. BP is one of the most convenient gas stations for me to visit, and I’d sure love to havr the ability to save 10% off on my gas until late summer and then 5% after that. I just can’t believe they would change the most appealing part of the whole BP Credit Card offer, and by that I mean its lucrative, straightforward rewards. Now I have to deal with trying to figure out how much a card offering a $0.15 per gallonrebate for every $100 you spend on BP gas is worth, or even what that means. Card Hub seems more
Feb 8, 2012
Photo of Susan K.
1
By:
Philnis right. BP's new reward structure is really complex so the average user can't tell how much the reward is being reduced, but their customer service folks admit that they are being cut about in half. I calculated the new rates... It's 2.2 percent on BP gas, 1.5 percent on travel/dinging and a mere 0.75 percent on all other. I've been a BP card holder for 10 years and I'm canceling my card due to the changes. There are better cards out there. Also, my father just applied for a card and they didn't tell him that they will be reducing the rate (but they to,d me it is coming). more
Jan 15, 2012
Photo of Phil D.
1
By:
BP is changing there rewards program. They are using the old smoke and mirrors trick to make you think you are getting a better deal. In reality instead of getting 5% rebate on gas you will now be earning about 2.25% in rebates. Are BPs profits shrinking? Did you see what they made last quarter? Really BP how stupid do you think we are. I think we should all boycott BP and buy our gas elsewhere. After all they did to screw up the gulf, now they need to screw us.
Jan 16, 2012
Photo of Phil D.
Phil Deshaw
Thanks bp
Oct 28, 2011
Photo of John H.
3
By:
My probelm is not with BP. I travel for work, and I find that BP desiel fuel is allways good. My probelm is Cardmember Services. The company that BP uses to collect their card payments. They constantly call my house at all hours trying to get me to reduce the interest charges. When I tell them that I don't want there services, they don't take no for an answer. Since they are contracted to BP then BP must allow them to aress thiercustermers. If this continues I'm going to cancell..
Oct 27, 2011
Photo of Joe W.
2
By:
The fact that the news about BP beginning to drill again in the Gulf of Mexico made me wonder what the BP Credit Card has to offer is maybe a sign that I’m a little too interested in credit cards, but oh well, it’s a hobby. Like a lot of credit cards these days are giving low interest introductory rates, the BP credit card is doing a similar thing with its rewards. For the first 60 days, you get 10% rebates on BP purchases, 4% on travel and dining and 2% on the rest. These rebate rates get cut in half after 60 day mark, making the BP credit card more
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Apr 20, 2012
Photo of Robert K.
By: Robert Craig Kistner
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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Last updated on: Apr 14th, 2014 at 2:46 EDT