How the Shell Fuel Reward Card Works

Royal Dutch Shell, also known simply as Shell, is one of the oldest and most recognizable brands in the world. The company was established in 1897 as the Shell Transport and Trading company and sold kerosene to customers in Asia. The company operates in 70 countries globally and produces more than 3.7 million barrels of oil equivalent daily. Below, we'll look at Shell's credit card and the benefits that it offers.

Key Takeaways

  • Shell offers a Shell Fuel Rewards Card, a credit card that can be used at participating Shell locations and can lower your fuel price at participating Shell locations.
  • Shell's Fuel Rewards Card is offered through a partnership with Citigroup, N.A., based in Sioux Falls, South Dakota.
  • With the Shell Fuel Rewards Card, customers can save $.30 per gallon (up to 20 gallons) on their first five Shell fuel purchases. (After that, they can save $.10 per gallon [up to 20 gallons] every time they fill up.)

Shell offers a Shell Fuel Rewards Card, a credit card that can be used at participating Shell locations and can lower your fuel price at participating Shell locations. Shell's Fuel Rewards Card is offered through a partnership with Citigroup, N.A., based in Sioux Falls, South Dakota. Through Shell's partnership with Citigroup, it is able to offer its customers revolving credit services for transactions made at participating Shell locations. Shell's credit card offers are intended for residents of the United States and its territories.

Store credit cards are also known as “private label” and “closed-loop” cards. They are distinct from general use credit cards that carry the logo of a major financial institution (e.g., Visa or Mastercard) and can be used at any merchant that accepts those network cards. Store credit cards, such as Shell's Fuel Rewards Card, are distinct from this type of card because they can only be used at certain retailers. In the case of Shell Fuel Rewards Cards, these credit cards can only be used at participating Shell locations.

Rewards and Benefits

With the Shell Fuel Rewards Card, customers can save $.30 per gallon (up to 20 gallons) on their first five Shell fuel purchases. After that, they can save $.10 per gallon (up to 20 gallons) every time they fill up. This savings is applied instantly at the pump at participating Shell locations.

Customers also receive 10% Shell rebates on their first $1,200 Shell non-fuel purchases per year. It's easy and automatic to redeem these rebates; customers will see rebates applied as a statement credit against Shell purchases made with their card in future billing cycles.

Where Someone Can Get the Shell Fuel Rewards Card

You can apply for the Shell Fuel Rewards Card online. Customers should allow four weeks from their date of submission to process a completed application.

What Kind of Credit Is Required for the Shell Fuel Rewards Card

To receive an account, applicants must meet Citigroup's applicable criteria bearing on creditworthiness. As with most store credit cards, the credit needed for the Shell Fuel Rewards Card is generally fair to good.

Where Can the Shell Fuel Rewards Card Be Used?

The Shell Fuel Rewards Card can be used at all participating Shell locations. A complete map list of participating locations can be found on the Shell Fuel Rewards program website.

Shell's Fuel Rewards Card is a private label credit card. This means it is only intended for use at participating Shell locations. The advantage of a private label credit card is that a company can offer more lenient and extended terms to its customers than they could otherwise. Shell's Fuel Rewards Program also allows it to offer loyalty rewards and discounts on future purchases.

Alternatives to the Shell Fuel Rewards Card

Shell also offers a regular credit card that can be used at any merchant that accepts Mastercard. This card, also issued through Citigroup, is called the Shell Fuel Rewards Mastercard. In addition to saving $.10 per gallon and receiving 10% Shell rebates on non-fuel purchases, this card offers additional incentives, including 2% Shell rebates on dining and grocery purchases (up to $10,000 per year) and 1% Shell rebates on other qualifying purchases.

Terms and Conditions of the Shell Fuel Rewards Card

Financial institutions are required by law to obtain, verify, and record information that identifies each person who opens an account. Applicants will be asked to provide their name, address, date of birth, and other identifying information when they open an account. Applicants may also be required to show their driver's license or other identifying documents. Applicants will also be required to provide identification information for any authorized users they add to their accounts.

The annual percentage rate is 26.49%. Your due date is at least 25 days after the close of each billing cycle and you will not be charged any interest if you pay your entire balance by the due date each month. The late payment penalty fee is up to $40. There is no annual fee for the card. For cash advances, there is either a $10 transaction fee or 5% of the amount of each cash advance (whichever is greater).

  • Annual Percentage Yield (APR): 26.49%
  • Late fee: $40
  • Annual fee: $0
  • Transaction fee for cash advances: $10 or 5% of the amount of each cash advance (whichever is greater)

Who Should Consider the Shell Fuel Rewards Card

If you live close by to a Shell station and regularly purchase your vehicle's fuel there, a Shell Fuel Reward Card may make sense for you. This may be especially true if you regularly drive long distances and your daily activities require you to consume a lot of vehicle fuel. In the long run, you may be able to save a significant amount of money on your fuel expenses.

However, if you have excellent credit, you might want to consider the Shell Fuel Rewards Mastercard. You can earn better rewards, access to a larger credit line, and have the greater flexibility of being able to use the card outside of Shell.

The Bottom Line

The Shell Fuel Rewards Card can be used at participating Shell locations to lower your fuel price. Customers who frequent Shell stations would benefit from the credit card, in addition to those who use a car to travel regularly on business or for other reasons.

Frequently Asked Questions

How Do I Get a Shell Gas Card?

Shell maintains a website for online applications. Depending on the card or program, required personal information will include name, address, contact phone number, driver's license information, checking account, and other information required to perform a credit check.

Can I Use My Shell Credit Card Anywhere?

The Shell Fuel Rewards Card is a credit card that can only be used at participating Shell gas stations or convenience stores.

What Bank Is Shell Credit Card?

Shell has two store-branded cards issued by Citibank: the Shell Fuel Rewards Card and the Shell Fuel Rewards Mastercard.