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BP Credit Card

bp credit card
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2.5 257 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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Existing Cardholders
 
 
 

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.
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BP Credit Card Reviews

 
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2.3
Overall Rating: 2.3 / 5
Total Ratings: 257
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Dec 19, 2014
Photo of Ruth B.
3
By:
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!
Nov 28, 2014
Photo of Joe M.
5
By:
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
Nov 18, 2014
Photo of Ryan H.
2
By:
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.
Nov 18, 2014
Photo of James N.
2
By:
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.
Oct 27, 2014
Photo of Amy B.
4
By:
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.
Oct 3, 2014
Photo of Chris K.
4
By:
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.
Sep 24, 2014
Photo of Masha C.
4
By:
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.
Sep 12, 2014
Photo of Jerry C.
1
By:
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
Sep 10, 2014
Photo of Colton Y.
3
By:
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.
Sep 5, 2014
Photo of Dee J.
1
By:
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.
Aug 15, 2014
Photo of Michele R.
3
By:
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%.
Jul 21, 2014
Photo of Ed V.
5
By:
Jul 21, 2014
Gasoline is expensive, and this card allows for savings based on the amount of money I spend. Nice!
Jul 7, 2014
Photo of Jake M.
4
By:
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.
Jul 7, 2014
Photo of Elliott A.
2
By:
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.
Jun 2, 2014
Photo of Kali B.
3
By:
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.
May 16, 2014
Photo of Aaron V.
3
By:
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.
May 6, 2014
Photo of Jeff H.
4
By:
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
Apr 30, 2014
Photo of Erin T.
2
By:
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.
Apr 4, 2014
Photo of John H.
4
By:
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.
Apr 1, 2014
Photo of Samantha M.
2
By:
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
Mar 20, 2014
Photo of Jaye G.
3
By:
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!
Mar 11, 2014
Photo of Kate P.
2
By:
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
Feb 13, 2014
Photo of Anthony T.
3
By:
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
Jan 29, 2014
Photo of Catherine R.
2
By:
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.
Dec 26, 2013
Photo of Dana D.
3
By:
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.
Dec 11, 2013
Photo of Frank O.
4
By:
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.
Dec 8, 2013
Photo of Jason B.
4
By:
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
Nov 25, 2013
Photo of Connie C.
3
By:
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.
Nov 21, 2013
Photo of Allen M.
2
By:
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
Nov 16, 2013
Photo of Nicole A.
3
By:
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
Nov 8, 2013
Photo of Lily Y.
3
By:
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
Nov 5, 2013
Photo of Gregory S.
4
By:
Nov 5, 2013
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:
Oct 29, 2013
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:
Oct 24, 2013
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:
Oct 21, 2013
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:
Oct 12, 2013
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:
Oct 3, 2013
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:
Sep 27, 2013
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. more
Sep 18, 2013
Photo of Dallas H.
2
By:
Sep 18, 2013
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 off more
Sep 12, 2013
Photo of Sheryl P.
2
By:
Sep 12, 2013
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
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Apr 20, 2012
Photo of Robert K.
By:
Apr 20, 2012
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: Dec 19th, 2014 at 3:28 EST