Citi Is Closing All Sunoco Credit Cards on Oct. 31

Time is running out for holders of two Citi-issued Sunoco credit cards.

The Sunoco credit card and Sunoco Rewards credit card will close on Oct. 31, 2026, and cardholders won’t be receiving replacement cards, Citi confirmed via email. The reason behind the two card closures is unclear as a Citi spokesperson told us it does not disclose the details of its partner agreements.

Those who want another Citi card will have to apply separately through its website, Citi said.

The cards may close, but their balances won’t disappear. Citi confirmed that customers must continue making payments until they pay off what they owe.

“Citi will continue to service any accounts with existing balances. Customers will continue to receive monthly billing statements and any AutoPay payments will continue until the balance is paid in full,” Citi said.

Another Sunoco card is waiting in the wings, but the details are still sparse.

Sunoco hasn’t announced the launch date, named the issuer or explained exactly how cardholders will earn rewards. Current Citi cardholders shouldn’t expect a new card to arrive in the mail, either. Signing up for notifications only provides updates and does not start a credit application.

Sunoco says the Rewards Plus card will work worldwide and offer expanded rewards, station benefits and earnings beyond the gas pump.

Cardholders will lose more than a piece of plastic on Oct. 31. The closure will also take away their 5-cent-per-gallon discount at participating Sunoco locations.

The savings typically come off the price at the point of sale or arrive as a monthly statement credit. But because the benefit requires an open and current account, it will run out when the cards do.

Pay down your balance. A remaining balance will still be due after the card closes, though cardholders won’t be required to pay it off all at once. But paying down the balance before the account closes can reduce interest charges and limit the potential effect on your credit utilization.

Watch your credit usage. Once the card closes, you will have less available credit. That can drive up your credit utilization even if your balances don’t change.

To offset the loss of available credit, cardholders can pay down balances, limit new spending or request a higher limit on another card. Approval for an increase is not guaranteed, however, and the issuer may conduct a hard credit inquiry.

Keeping utilization below 30% is a commonly cited benchmark, although lower utilization is generally better for your credit score.

Review your credit reports. Once the account closes, check each of your credit reports to confirm that the balance, account status and payment history are accurate. An account closed in good standing can remain on your reports for up to 10 years.