Shell Credit Card

Shell Credit Card
Required Credit Score: Excellent, Good
3.5 207 reviews   Write a Review!
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Shell Credit Card's Rewards

Bonus
None
Base Earn
None
Max Earn
$0.20 per gallon
Earn / Redeem Limit
No
  • Earn cash back for all your everyday expenses like groceries, dry cleaning, cell phone bills, fuel, and more.
  • Make qualifying purchases of $500 or more in a billing cycle and you will earn a credit of 10¢ per gallon or more on the first 100 gallons of Shell gasoline or Shell diesel you purchase with your card the next billing cycle.

Shell Credit Card's Key APRs & Fees

Intro Rate on Purchases
Not Offered
Intro Rate on Transfers
Balance Transfers Not Allowed
Regular Rate
23.99% (V)
  • ANNUAL FEE None

Shell Credit Card's Additional Info

  • MAX LATE FEE   $35
  • MAX OVERLIMIT FEE   N/A
  • MAX PENALTY APR   None
  • GRACE PERIOD   25 days
  • ONLINE RESPONSE   No
  • CASH ADVANCE RATE 27.99% (V)
  • CASH ADVANCE FEE 5% (min $5)
  • FOREIGN TRANSACTION
    FEE  
    3%
  • Online services, including account management, statements, unbilled activity, and faster payments.
  • $0 Liability on unauthorized charges.
Apply Now
at Citibank's
secure site

Shell Credit Card Reviews

 
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3.5
Overall Rating: 3.5 / 5
Total Ratings: 207
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Jul 24, 2014
Photo of Devlin I.
4
By:
This card is actually not really worth trying to go for the .20 on gallon gas at the pumps. I will have to disagree with saving money though using this card. If your still wanting to save some money without all the hassle of remembering to pay your credit card off with Shell, I recommend "My Shell Bucks" You still save money with .03 on the gallon, and the quality of gas is better for the Cadillac converter. This was recommended by the Honda dealership that did an emissions test on my car.
Jul 15, 2014
Photo of Anastassia G.
3
By:
With it being a gas credit card, I wouldn't expect to get cash back on everyday expenses which is a major plus. However, the interest rate and the fact that you have to spend $500 or more just to get fuel credit is a little steep for a credit of 010 on the first 100 gallons. It doesn't seem worth it. I do like that their is no annual fee which a lot of cards these days have an annual fee with their rewards cards. For me, I don't think this card would benefit me in the long run. Maybe if they lowered the interest rate and maybe changed the more
Jun 5, 2014
Photo of Lori B.
1
By:
This card does not seem to be worth it. I do not like the fact that you have to spend $500 or more to earn a credit of 10 cent on the first 100 gallons. I don't like that the max. earn is .20 cents. That will take a long time to really earn rewards. I think that $35 dollars is a lot for a late fee. It does offer cash back rewards but it seems like you have to spend a lot to get this benefit. I would not recommend this card.
May 27, 2014
Photo of Matt W.
3
By:
This Shell Credit Card is significantly better than most store-tied credit cards I've seen. You can obtain points from a variety of purchases and redeem them for gas credit. Of course, in order to redeem the points, you need to go to Shell gas stations which tend to be more expensive than their competitors, so the money saved may not actually matter if you're paying extra at the pump initially. I'd carefully compare various gas station prices before choosing to open this account.
May 8, 2014
Photo of Emily P.
1
By:
This Shell Credit card would be of no use to me. I have no car so therefore only providing "rewards" in the form of fuel discounts would not save me any money. What does save me money is my Visa Travel Rewards Card, which provides me up to about 1.5 percent back by reducing my monthly bill.
Apr 17, 2014
Photo of Andy G.
1
By:
I think this card is too limiting and the terms and conditions are kind of cumbersome. I wouldn't have any interest in this card when there are many other cards with more comprehensive options.
Mar 28, 2014
Photo of Jodi W.
3
By:
I don't spend enough on gas to justify having the Shell credit card. I would feel like I would have to always go to a shell station to earn the extra cash back, and this is not convenient for me. I prefer my Chase Credit Card. No annual fee and every quarter there is a special 5% rate for certain purchases.
Mar 28, 2014
Photo of Nathaniel W.
2
By:
The Shell Credit Card offer receives a 5 out of 10 scoring with me. On the surface the Shell Credit Card seems ideal for those persons who drive a lot and are looking to save a few pennies at the pump, however as I study the qualifications to receive any substantial savings at the pump, a consumer must first spend at least $500 dollars in a spending cycle; ergo a monthly billing cycle. I am not saying that it's a difficult task to spend $500 dollars a month but if you micro-analyzed the offer you would find that you are spending $500 and being charged their finance charge to reach more
Mar 19, 2014
Photo of Justin E.
4
By:
The Shell Credit Card is a great card for someone who purchases a lot of fuel. It offers great rewards in this area, and compared to my Discover rewards card the interest rate is not too bad. I like the discounts associated with both cards, but for the frequent traveler the gas rewards are good. However, you must use Shell affiliated gas stations in order to take advantage of their fuel rewards program. The cash advance rate is somewhat high, but that is expected from most credit cards. I have one of these cards, and would recommend it to others as well.
Mar 17, 2014
Photo of Dawn M.
3
By:
the Shell Credit Card is a nice card to have. It offers rewards like cash back on all types of purchases and fuel discounts. There is no annual fee, which is a plus. I would recommend it to just about anyone.
Feb 6, 2014
Photo of Kyle B.
5
By:
I like how this card earns money towards gas. My discover card only gives me cash back but not specifically towards gas which is what i want. I also think that the $35 max late fee is a positive due to the fact that the discover card late fee is upwards of $50.
Jan 19, 2014
Photo of Skye H.
2
By:
The Shell Credit Card is a pretty average gas card. If you go to Shell only for your gas, this would be a great card for you though. The discount you get off gas is a nice amount. The interest rate isn't good though, and the card doesn't offer very much. Even if you did shop at Shell a lot, I'm sure there are other cards as well that can provide more such rewards. Over-all, this is a pretty lackluster card compared to other cards on the market.
Jan 10, 2014
Photo of Amy E.
4
By:
I like the fact that you can use the Shell Credit card on every day purchases and that these purchases count toward cents off on your fuel purchases, as well as future every day purchases! Every penny counts in this day and age and so rewards like these pay off!! If you can afford to pay off your credit card balance every month, this is a great card to have! The main thing I don't like about it is that the interest rate is so high. This is where credit cards will kill you, especially if you really don't have the money to pay it off each month, it'll just more
Dec 17, 2013
Photo of Lindsay K.
4
By:
I think that the Shell Credit Card is a great card to have, because everyone has
to get gas. There is no annual fee on the card, and no hidden charges. The interest
rate is kind of high at 23.99%, but I like how they offer rewards on, not only gas, but also
on other everyday purchases like groceries, cell phone bills, and dry cleaning. Shell
gas stations are very convenient to find, so it would be easy for me to get
there for my gas purchases.
Dec 13, 2013
Photo of David M.
4
By:
This Shell Credit Card is better than most other gas station cards you'll come across because it works on the Master Card network. This is useful since a lot of gas cards are store cards and can only be used at gas stations run by the specific brand. With this card, you can certainly use it at Shell, but you can also use it anywhere else you shop and rack up the points. Since we all need to purchase gas, having rewards that help make gas less expensive is always a bonus. The interest rate is a little high, but that's to be expected with a card like this. As more
Dec 6, 2013
Photo of Chelsea M.
4
By:
The Shell Credit Card is an extremely wonderful card to have. There are at least five Shell gas stations near me and it is extremely convenient. This is one of the few gas stations that offer rewards that really make a difference off of what you pay. In comparison to the BP Credit Card, the Shell Credit Card offers better rewards for what you pay. Practically everywhere you go there will be a Shell gas station. I refuse to get gas from anywhere else because of how great the benefits are.
Dec 4, 2013
Photo of Jason B.
4
By:
The Shell Credit Card makes it clear this company knows how to do rewards that work for ordinary people. The best part is the reward for buying gas at a Shell station (as far as I know, Shell has stations practically everywhere). You need to spend a bit first to qualify for it, but with a decent interest rate and minimal fees this is a card that will quickly become a favorite for regular use.
Nov 26, 2013
Photo of Scott B.
2
By:
The Shell Credit Card offers the ability to get rewards like 10 cents off per gallon if you spend $500 on one billing cycle. This reward seems a little outlandish. Alternatively, I can spend $100 at my local grocery store in a month without a credit card and get the same discount on gas. With a max earn of 20 cents per gallon and a rather high APR, you're looking at, really, saving $20 per month, and that's only if you put $1000 on the card and use 100 gallons of gas a month. In my personal opinion, this doesn't seem worth it.
Nov 22, 2013
Photo of Jay F.
1
By:
The reward on this card is 10 cents per gallon after you spend $500 in one billing cycle on qualified purchases. I personally can't imagine myself placing $500 on a credit card (for qualified purchases) in a month in order to save 10 cents on a gallon of gas when I only fill up 2 times a month and have a small gas tank in which I rarely buy more than 10 gallons. This would amount to about $2 dollars saved over the course of a month for me and hardly worth it. The interest rate is also extremely high at nearly 24%. We have a gas card from another more
Nov 19, 2013
Photo of Kay B.
3
By:
The Shell Credit Card offers cash back on products you would purchase in your everyday life like groceries, dry cleaning, cell phone and of course, gas. What I really like about this card is that it’s a MasterCard, which means it is accept at most retailers. There is no annual fee, which is a big plus, other cards have an annual fee ranging from $20-$100. One drawback I see with this card is the high interest rate. At 23.99% APR, customers will not have a hard time finding a card with a much lower rate. The card offers 10 cents credit per gallon if you spend more than $500 on more
Nov 11, 2013
Photo of Jon S.
3
By:
This is an interesting choice for a gas credit card. The bonus cash back option is somewhat rewarding, but the interest rate is very high on this card. If you plan to pay off your charges in full every month this might be the card for you, but otherwise I wouldn't bother. Unless you drive a lot, perhaps as part of your job, the 10 cents back on gallons of gas won't really be noticeable either. Overall, though, this is a solid card in comparison to some of the other gas station cards available on the market. Just don't let your payment go late!
Nov 4, 2013
Photo of Krystal M.
2
By:
When I had my Shell Credit Card I had several complaints. The interest rate has always been extremely high and it's still close to 24%, which is a bit of a drawback. Although, it's still comparable to other gas credit cards. The cash advance fee is terrible and their reward points are abysmal. I would really only recommend this card to a company that has daily drivers that rack up a lot of miles. Their max late fee is average and so is their grace period but there isn't anything positive about the Shell Credit Card that stands out. The only thing I like about this card is their online more
Oct 31, 2013
Photo of Ava D.
2
By:
The Shell Credit Card would be decent if I purchased gasoline from Shell often. However, I don't have a car, so I only buy gas if I'm renting a car. I tend to rent cars only about once or twice a year, therefore the $0.20 back per gallon of gas would not add up to much for me. The interest rate of 23.99% seems to be standard these days, unfortunately. However, since the Shell Credit Card requires good to excellent credit- perhaps it would be easy to negotiate a lower rate after making payments on time for a while. I don't like that applicants cannot get an approval decision online. more
Oct 18, 2013
Photo of Shawn P.
1
By:
I would not rank the Shell Credit Card as one of the best to have. It is fairly restrictive in the fact it can be used only for gas (Shell) purchases. There is no annual fee to carrying the card (which is pretty standard) and interest rate is lower than other credit cards you may find available but higher than some offering competitive rates. The biggest benefit I can see is that it pays you a credit of 10¢ per gallon . Other than the convenience of using a credit card as opposed to cash (or another card) the 10 cent per gallon credit, there are no enticing benefits to more
Oct 15, 2013
Photo of Joseph G.
4
By:
A card that is solely used for the purchase of fuel and nothing else! I hold an account with Citi and applied for a card when I bought a car as I could easily acquire one without much hassle. Strictly for fuel purchase, expect nothing more! Interest rates are extremely high and defaulting could cause serious trouble. The reward ration works out to just 2% and thats nothing big to boast about. However, I could easily get this card due to my eligibility without much paper work and thats the only reason I went about buying this! I guess Bank of America's reward points are a bit higher, not sure though!!
Oct 8, 2013
Photo of Abby L.
3
By:
The shell credit card is just alright. It is good if you go to shell a lot, then you'll save 20 cents per gallon. It does add up, but it takes a while before you can see a good amount of savings. Other credit card companies like Discover and Bank of America gives 3-5% cash back when you use those credit cards at the pump. It just depends on what you need this credit card for. Shell does not always have the cheapest gas price, but they have good quality gas. A better gas credit card would be the costco american express credit card.
Oct 4, 2013
Photo of Jonathan D.
4
By:
As far a bonus cards go this isn't the best one unless you buy your gas at shell. Around here it's the only gas stations in town so the cards really useful for me. The only great thing about this card is the 20 cents a gallon bonus which is 10 cents more the my Chase credit card gives me. I just make sure to pay the balance off at the end of the month and I'm saving 20 cents a gallon by the middle of the month. So far it's made a big difference in my savings and ever little penny helps right now. When I have been hit more
Sep 26, 2013
Photo of Ben M.
2
By:
The Shell Credit Card is not that great when you compare it to other rewards cards out there. If you spend $500 in a single month they will give you 10 cents off per gallon on up to 100 gallons of gas on your next billing cycle. If you were to spend exactly $500 on the card to get the benefit, you would get at most $10 off your gas. That's the equivalent of 2% back. And with every dollar you spend over $500, your savings goes down as the rewards are worth worse. There is also a really high interest rate at 23.99% which means you ideally want to be paying it off every single month.
Sep 23, 2013
Photo of Constantina H.
4
By:
Shell Credit Card does get quite use in our family. We make a point to buy gasoline only from shell, my father used to buy gas from only shell too. Kind of like a family tradition for us. This card is nothing special and has a high interest rate, so I make a point of paying the balance in every cycle. I have Citibank accounts and I feel comfortable using this card. I have had this card for years and I have maximized my benefits using this card over the years. Doesn’t everyone like bonus rewards? Also their customer service is great too.
Sep 10, 2013
Photo of Calvin H.
2
By:
The Shell Credit Card is not really anything too special. The interest rate is kind of steep on this, and there's no variation on it, which kind of sucks. One good thing is that you can check your card's statements and other information online, making it a lot easier to track spending or just do a quick check on your last purchases. The rewards are kind of hard to hit if you have a car with good mileage, or just don't use that much gas. Also, the discount per gallon of gas will likely be mitigated by the increase in price for using credit, making the rewards only alright.
Sep 5, 2013
Photo of Robyn S.
3
By:
The main issue I see with this card is the insane interest rate! I understand that most cards have high interest rates, especially these days, but I wouldn't feel comfortable using this beyond gas purchases because of the fact that they do offer incentives. I could see this card being very beneficial if you spend a lot of time on the road because Shell stations are everywhere. All of the other information seems fairly typical of cards; the cash advance fee, the maximum late penalty and grace period, etc. I don't see it being any better or worse than most cards in that respect.
Aug 29, 2013
Photo of Pat E.
3
By:
Now this Shell Credit Card here's a gas card with some interesting caveats, so you should pay careful attention to how they reward you. You earn cash back on everyday stuff, though I'm not sure how much, so that's troubling. Then, of course, the gas rewards, which stipulates that you need to purchase $500 or more in one billing cycle, in order to gain 10 cents off per gallon up to 100 gallons for the next cycle. The max earn is 20 cents though, so maybe if you spend more? I would recommend this only if you're planning on paying very regularly with this, and you desperately need the gas more
Aug 20, 2013
Photo of Alyssa H.
4
By:
The Shell card is an extremely useful card to own. Every credit card has its ups and downs, but with this card you get many benefits such as money towards gas, groceries. and many other things. The great part is that you get bonuses when you use this card towards gas purchases which is a plus compared to other credit cards! With gas prices skyrocketing like they have been, it's nice to have a card that will give you money back towards more fuel-ups. I would definitely recommend this card if there are lots of Shell stations around your house or your job because otherwise it won't be as convenient more
Apr 12, 2013
Photo of Connie T.
5
By:
The Citibank Shell credit card is very useful and handy. Whenever, I want to go pick up some gas, I feel comfortable paying the amount I do for gas and getting a bit back for it. You get %5 back when you pump gas at any Shell using this credit card. Though the amount is not an incredible amount, it is still something I get back, like a small discount. This credit card is great to use anywhere else as well and since it is a MasterCard, transaction using this card is very smooth and easy. There are no problems using this card from my part and I love the more
Dec 14, 2012
Photo of Doug M.
4
By:
I have had a Shell Credit Card for years. It is the one card that I don’t see myself getting rid of. There are a few expenses that you can’t avoid, so why not maximize your benefits and rewards while purchasing them? I used to struggle to know exactly how much I spent on gas every month because you don’t always fill up on the same day of the week and the prices constantly change, so I got this card to use just for gas purchases. The card can be used for all kinds of purchases but the biggest benefit from it was the bonus rewards for fuel purchases. I more
Jul 3, 2012
Photo of David W.
5
By:
I have been using the Shell Credit Card for about 4 years now. All of the customer service experiences I have gone through have been great. Lost my card once and was able to get all the charges cancelled and a new card re-shipped to me in just under a week! Not only that this card is great because of the Shell Gas return rate when using it to purchase Shell Gas. My whole family uses it for their gas and are constantly re-rewarded with small amounts back for using their system. All together I have had a great experience using this card as well as my entire family. We more
Jul 3, 2012
Photo of Liane M.
4
By:
I have had the Shell Credit Card for almost a 5 years now and have always had success with the company. We had to make one charge back due to a company not shipping a product and the credit card company was willing to do-so with no problem or hassle. We use this card mainly for gas purchases which provides a nice little incentive. It allows for us to save a nice bit of money on gas purchases, which really helps on long car-trips and general fills. The one time we forgot to pay the bill (left the envelop on the table), they were willing to waive the late fee more
Jan 13, 2012
Photo of Joe W.
4
By:
Everytime gas prices rise, interest in gas credit cards does as well. In general you should only get a gas credit card if gas is one of your biggest expenses and a gas card tied to a particular chain if you ONLY get gas at its locations. So if you are either a loyal Shell customer or live in an area that enables you to cast your allegiances with one of many stations, you may be interested in the Shell Credit Card. The Shell Card, which requires good or excellent credit for approval, does not have an annual fee but does offer a 10 cents/gallon credit for the first 100 more
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Last updated on: Jul 24th, 2014 at 9:28 EDT