Phillips 66 Credit Card Reviews: Is It Worth It? (2024)Reviews, rates, fees, and rewards details for The Phillips 66 Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesHigh rewards rateQualify with fair creditHigh regular APRDeferred interest
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 (Store Cards)." 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.
Phillips 66 Credit Card has a rating of 3.0/5 according to our proprietary credit card rating system. This rating reflects how appealing Phillips 66 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 'Finance New Purchases (Store Cards)'. To break it down further, Phillips 66 Credit Card earned a score of 5.0/5 for Fees, 0.0/5 for Rewards, 2.5/5 for Cost, 2.8/5 for APR, and 4.4/5 for User Reviews. Info about the Phillips 66 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
4.4/5
181 reviewsRead and write reviews
Market Comparison
Market Comparison
2.8
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 “Finance New Purchases (Store Cards)” for this card.
Fees
5.0
Rewards
0.0
Cost
2.5
APR
2.8
2.8/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
0% intro APR for 6 months, 29.99% APR after that
Balance Transfer
Balance Transfers Not Allowed
Rewards
Earn 3¢ per gallon in rewards on every transaction when you swipe your card to pay.
Earn 15¢ per gallon in rewards on the first 30 gallons of each transaction when you pay using your card within the Fuel Forward app. Valid through 12/31/2024, earn 5¢ per gallon afterward only on App based purchases.
Phillips 66 Credit Card's Additional Info
Nationwide Acceptance at thousands of Phillips 66®, Conoco® and 76® locations
Use your card at over 1 million auto merchants nationwide including parts, repair, services and more.
Deferred Interest Details: No interest if paid in full within 6 months on purchases of $199 or more.
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 (Store Cards)." 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.
User Reviews
4.4
Market Comparison
2.8
fees: 5.0
rewards: 0.0
cost: 2.5
APR: 2.8
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
3.6WalletHub Rating
WalletHub Rating
3.6
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
5.0
User Reviews
3.6
Market Comparison
3.4
fees: 5.0
rewards: 0.0
cost: 3.3
Other Features: 4.5
(181)
(74)
(5,484)
annual fee$0
annual fee$0
annual fee$0
Purchase Intro APR0% for 6 months
Purchase Intro APR0% for 15 months
Purchase Intro APRNot Offered
transfer intro aprNot Offered
transfer intro apr0% for 15 months|Transfer Fee:5% (min $5)
Can't find what you are looking for? Submit your question about Phillips 66 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.
No, you cannot use your Phillips 66 Credit Card everywhere you want. You can use it for purchases at thousands of Phillips 66®, Conoco® and 76® locations. The Phillips 66 Credit Card is a store card, which means that it is not backed by any major credit card network and only works at affiliated locations.
Where You Can Use Your Phillips 66 Credit Card
Phillips 66® locations
Conoco® locations
76® locations
Even though store credit cards have limited acceptance, they can still be a good deal for brand-loyal customers. The Phillips 66 Credit Card offers account holders 3 ¢ per gallon. This card also has a $0 annual fee. So, it might be worth getting for people who shop at Phillips 66®, Conoco®, and 76® often.
If you lost your Phillips 66 Credit Card, call customer service at (855) 513-1176 to report it. The issuer will request some security information in order to verify your identity before sending a replacement.
You can cancel your Phillips 66 Credit Card at any time by calling customer service at (855) 513-1176. You should also note that there's no fee associated with canceling your card.
Be aware that if there's a balance remaining on the canceled account, you will still need to make at least the minimum payment every month until the balance is paid in full. You will also have to update the payment method for any recurring charges linked to...
You can check your Phillips 66 Credit Card application status by calling (866) 226-5638. Follow the prompts to be connected to a customer service representative. They should be able to tell you the status of your application.
You might want to check your emails as well. The issuer is known to send an update of your status within minutes of applying.
Share your insights and review for the Phillips 66 Credit Card
5
73%
4
10%
3
6%
2
4%
1
6%
4.4
181 reviews
181 reviews
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Kevin Kehl @kkehl
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1 Star Rating
Buyer Beware. After one year of regular trouble-free use, I began receiving notices that I was being charged $1.00 every time I tried to buy gas at the pump. I tried to read up, including the small print but found nothing, so I opted for a live chat to see if I could get some answers. An hour and a conversation with a floor manager later, I was told that this was how things work everywhere (they used Amazon as an example, "like Amazon does"). No explanation was provided as to why the first year was $1.00 charge-free every time I went to the pump. This seems to be a case of card companies passing on all risks and costs to the customer after the initial bait is taken with a deep discount for customer loyalty. You all can do better. There are some out there on fixed incomes who see this charge and may decide they can't afford their medicine. Come on now, you can do better Synchrony, Phillips, and Amazon.
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0
0
mike @mikeclemons
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5 Star Rating
Verified Customer
Love the discount on fuel! They offer credit line increases without a hard credit pull. Customer service has been great. This has been a wonderful card.
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0
0
William @sloss_william57
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1 Star Rating
Verified Customer
This card is weak. You don't get much from using this card. They advertise all kinds of discounts. There's a complicated way you have to splay your financial and personal data across several different commercial platforms to chase the advertised rewards. This really ups my chances of my info being involved in a data leak. Loads of shady spam. This card will be for my emergency use only.
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2
0
skylarkconvertable @skylarkconvertable
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3 Star Rating
This was my go to card for gas until the discount changed from .25 cents per gallon. Now i can find gas cheaper and without a card. Makes life easier sometimes not having to plan a special trip to get gas.
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0
0
Madeline @twinkerbell1984
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5 Star Rating
Verified Customer
Just got this card but it does have 25 cents off a gallon plus other rearward offers. It has been easy to use and allows me to get more cash back on my other cards where I can save more on other categories
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0
0
Charlene @charlene29631352003
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5 Star Rating
Verified Customer
I always wanted a Phillips 66 credit card even though it’s only for gas it still help when times are hard. Are wating on the next payday
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0
0
whuser16449284 @whuser16449284
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1 Star Rating
Verified Customer
This closed loop credit card is advertised as giving big rewards. I flipped through the convoluted rewards program and see you have to link up and expose all your info across an array of commercial entities. Your card isn't under Visa or MC and it has no chip. the 3 cents on the gallon rewards on this card are terrible compared to my 2 cents on the Dollar card. Slam dunk approval odds $1000 CL but I should have looked before I applied. This card'll be for emergency use only.
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0
0
Randall @rwj_ford
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5 Star Rating
Verified Customer
I love this card I plan on upgrading the card I understand Phillips 66 card cand be used at all gas stations if so as soon as Phillips 66 increases my available balance
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0
2
Michelle @Mamamerktees1313
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4 Star Rating
Verified Customer
Great but couldn't keep up with the payments unfortunately but I guess later in life when I get better at managing my finances. ...
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2
0
kbrower020659 @kbrower020659
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1 Star Rating
Verified Customer
VERY poor because we don't get our $0.10 per gallon discount at the pump when I swipe my gas card every time I fill up like we used to????????????
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2
0
whuser16449284 @whuser16449284
You have to sign up for and buy off all their promo ads to get the big rewards, then hurry before they expire.
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