BP Credit Card Review

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The BP Credit Card is the more basic of two credit cards for BP and Amoco fans looking for ways to save at the pump. If your credit is less-than-stellar, you have a better chance of qualifying for this card. While the APR is high, the per-gallon gas discounts are competitive. Just remember, you can only use the card at participating BP and Amoco gas stations.

BP Credit Card

Overall Rating
BP Credit Card
Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Fair - Excellent
Regular APR (%) 29.99% fixed
Annual Fee $0
Rewards Earning Rate Get 5¢ off per gallon and 1% cash back on non-fuel purchases at participating BP and Amoco stations.
Ratings Breakdown
for Interest
for Fees
for Rewards
for Credit
Current Offer

Get 25¢ off per gallon during your first 30 days as a cardholder.

Who Is This Credit Card Best For?

  • Avatar for Deal Seeker Persona
    Diligently searches for the best products and delights in a good bargain See more cards
    Deal Seeker
  • Avatar for Family Shopper Persona
    Looks for good quality at a fair price while buying for the household See more cards
    Family Shopper
  • Avatar for Road Warrior Persona
    Hits the road often, whether for work or play See more cards
    Road Warrior
  • Avatar for Brand Loyalist Persona
    Frequently shops with a particular merchant and wants to be rewarded for their loyalty See more cards
    Brand Loyalist

Gas credit cards generally don’t have the best terms or benefits, and the BP Credit Card is no exception, given its steep interest rate and limited rewards. But if you have just average credit and BP or Amoco stations are on your regular route, the BP Credit Card may be a good choice among your more limited options. 

The 5-cent discount on each gallon of gas is pretty standard for a branded gas card, though there’s no gallon limit on these savings, so it is particularly useful if you drive a big gas-guzzler. You can get another 5 cents off by being in the BPme rewards program and spending at least $100 per month on gas, but this is available regardless of whether you have the card. 

One other reason to consider the BP Credit Card: Because it’s relatively easy to get, it could serve as a starter product if your credit history is thin or if you’re looking to rebuild your credit after past problems. Establishing a good track record of payments with this card could eventually help build up your credit score

  • Instant savings

  • Potential tool to build credit

  • No gallon limit

  • Only usable at BP or Amoco stations

  • High interest rate

Pros Explained

  • Instant savings: The allure of a co-branded gas card is that the savings are immediate. Instead of accumulating points or cash back, you could see the per-gallon price drop as much as 10 cents right at the pump (5 cents for having the card plus 5 cents if you’re a BPme rewards app user who spent $100 the previous month), as long as you’re at a participating station.
  • Potential tool to build credit: If you’re a new or lapsed credit user, getting approved for a branded gas card versus a regular credit card is often a bit easier to do. And if you can only use the card to buy gas, it’s more likely you’ll be able to pay your balance off in full each month. That’s a healthy way to build credit and a helpful way to resist overspending.
  • No gallon limit: Some competing cards only discount a certain number of gallons per visit or billing cycle. With this card, you can earn the discount no matter how much your vehicle guzzles or how often you travel by car.

Cons Explained

  • Only usable at BP or Amoco stations: Like most private-label cards, you can only charge gas or products sold at BP or Amoco stations. If you’ve got good credit, the BP Visa Card is a better option because it can be used anywhere Visa is accepted and offers rewards on all those purchases, too.
  • High interest rate: Though it’s not unusual for a gas card to have a higher APR than a general use rewards card, it’s still worth mentioning. This card even has a higher rate than other gas cards. Carrying a balance will quickly negate any savings on gas.

Bonus for New Cardholders

For the first 30 days after you’re approved for the BP Credit Card, you’ll get 25 cents off per gallon every time you use it to pay for gas at participating locations. If you download the BPme rewards program's mobile app and load your card into the app, you’ll get another 5 cents off per gallon for the month you enroll and the following month.

If our car has a 20-gallon tank, the total of 30 cents off per gallon saves $6 right at the pump.

Earning Points & Rewards

A discount of 5 cents per gallon of gas is the equivalent of about 2.25% off, assuming an average gallon of gas costs around $2.42 in the U.S. That’s not a bad rate. But with a broader-use card, you’d likely earn rewards on other types of purchases and have more redemption options. 

After the first two months, continuing to earn the additional 5 cents off from the BPme rewards program requires spending at least $100 on BP and/or Amoco fuel during the previous month. However, This isn’t as lenient as other programs, which only ask for an average of two five-gallon fill-ups per month. 

When comparing rewards rates, you shouldn’t factor in the 5 cents you may earn from the BPme rewards program. After all, you can use any credit card or even PayPal and get the other 5 cents off as a BPme rewards member. 

You can also use your BP Credit Card for non-fuel purchases at BP or Amoco stations for 1% cash back redeemable as a statement credit.This is a mediocre rewards rate considering competing cards give 10% back on non-fuel purchases. As well, plenty of rewards cards accept people with imperfect credit and pay at least this base rate on every purchase, not just fuel.

Redeeming Rewards

The per-gallon gas discounts are applied right when you fuel up, so there’s no redemption process—an attractive feature for those who like to keep things simple.

The 1% cash-back rewards earned on non-fuel purchases at BP or Amoco stations are applied as a credit on your statement within two billing periods.

How to Get the Most Out of This Card

The BP Credit Card is pretty restrictive since you can only use it for gas and other purchases at BP and Amoco stations. You can maximize the rewards by making sure that you register the card on the BPMe app and spend at least $100 in gas at participating stations each month. 

If you’re exploring this card, chances are you’re also working on improving your credit. The best way to do that is by paying off your balance in full each month (which will also allow you to avoid paying interest from the high APR). You should also avoid maxing out your credit card, keeping it well below your limit., Credit scoring algorithms reward those with low utilization (your balance amounts compared to your available credit lines).

If you can afford to put down a deposit, you may be better off with a rewards-earning secured card, which is also a beneficial credit-building tool. You won’t be tied down to a specific gas station, and you may be able to get one with 2% cash back on gas purchases (up to $1,000 per quarter) as well as other types of spending.

Private label gas cards only make sense if you get the majority of your gas at the same stations. If BP or Amoco stations are not on your regular driving routes, the savings probably won’t be worth the inconvenience. What’s more, they must be participating stations. Use the online station finder to check locations near you.

Customer Experience

The BP Credit card is issued by Synchrony Bank, which offers many retail cards. In JD Power’s 2020 Credit Card Satisfaction Study, the bank earned below-average ratings from consumers, ranking 7 out of 11 national issuers studied.

The BPme app is particularly convenient assuming you’ve linked your credit card to the mobile wallet. If you’re at a participating station, the app will detect your location, and you can select your pump number right from the comfort of your car. You’ll still have to pump the gas, but there are no swiping or keypad entries—payment is contactless

Security Features 

The BP Credit Card has standard security features like zero fraud liability.


The fees are typical for a gas-station-branded card, including a steep APR. There is no annual fee, which isn’t unusual for the category, though still worth noting if you have fair credit. General rewards cards for an average credit profile may carry an annual fee and/or require a security deposit.

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BP Credit Card
overall rating
Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Fair - Excellent
Regular APR (%) 29.99% fixed
Annual Fee $0
Rewards Earning Rate Get 5¢ off per gallon and 1% cash back on non-fuel purchases at participating BP and Amoco stations.
Our Methodology
At The Balance, we are dedicated to giving you unbiased, comprehensive credit card reviews. To do this, we collect data on hundreds of cards and score more than 55 features that affect your finances.
  • Our Reviews Are Always Impartial: No one can influence which cards we review, the way we present them to you, or the ratings they receive. The scores and reviews come directly from the data we collect and our editorial expertise, and we focus on three areas:
  • How Much Does It Cost? With credit card debt at an all-time high, we believe you should know the cost of carrying a balance. Because of that, we give regular purchase APRs significant weight in overall scores, and cards receive low marks if they have an array of pricey fees.
  • What Are the Rewards Worth? Cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely. To simplify the problem, we built a system that fairly compares rewards and gives them a dollar value. We do this by looking at the ways you can earn and use rewards, which includes evaluating Americans’ typical spending habits and analyzing common travel patterns.
  • Does It Make Your Life Easier? Our scoring system favors cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting customer service. Finally, we give preference to credit cards that have several tools for dealing with fraudulent charges.
  • For every review on The Balance, we hold the credit cards to these standards, and we set the bar high. While we recognize the appeal of splashy features like six-digit sign-up bonuses, our approach ensures that credit cards with the best combination of value, affordability, and accessibility receive the highest scores. See our full methodology for more details.

Article Sources

The Balance requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
  1. J.D. Power. "Customers Losing Faith in Credit Card Issuers as COVID-19 Pandemic Lingers, J.D. Power Finds." Accessed January 29, 2021.