Writer: Brittney Mayer
Editor: Lillian Guevara-Castro
Reviewer: Ashley Fricker
Disclosure: When you apply through links on our site, we may earn a referral fee from our partners. For more, see our ad disclosure and review policy.
With its iconic red-and-yellow seashell logo, the Shell Oil Company is one of the most easily recognizable brands in the US — thanks in no small part to its more than 25,000 gas stations and service centers across the country. Perhaps lesser-known to its millions of US patrons, Shell is the wholly owned subsidiary of the multinational Royal Dutch Shell, one of the largest oil companies in the world.
Given its abundance of locations, its small wonder that Shell is a popular choice for drivers who need to feed hungry fuel tanks. And as more and more motorists choose the pay-at-the-pump convenience of credit cards, the Shell Drive for Five® Card is a frequent pick for its per-gallon gas discount. Unfortunately for cardholders, the Shell card's value is only competitive so long as gas prices stay low (which history deems unlikely).
Better Cards to Use at Shell
At first glance, the Shell Drive for Five card seems to be a great deal but, like the shined-up lemon off the used car lot, first impressions can be deceiving. At an average price of $2.50 a gallon for regular fuel, your 5¢-per-gallon discount only amounts to a savings rate of 2%, and if your car uses the pricier premium gas — averaging over $3 a gallon — that rate drops to 1.6%.
What's more, since the true value of your discount will vary with the price of gas, your gas card perks will become less valuable as gas prices (inevitably) rise. And, on top of it all, your Shell card limits you to only Shell gasoline, which may mean having to drive out of your way just for a fill-up. The better way to save on gas, particularly for those with good to excellent credit, will likely be to use an all-around credit card that will let you fuel up anywhere you drive.
Cash Back
With a typical return between 1.5% and 2%, the Shell Drive for Five card will give you more rewards than a no-frills 1% unlimited card — but that's the only rewards race it's winning. A number of cash back cards will offer flat-rate rewards on every purchase (including gas) equal to those offered on gas by the Shell card, and bonus category cards can offer up to 5% cash back on gas.
4.9
- New offer! Earn 6% cash back for the first year in the category of your choice: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
- Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- With the Bank of America Preferred Rewards® program, members can earn 25%-75% more cash back on every purchase. That means the 3% choice category could go up to 3.75%-5.25%. The Preferred Rewards bonus is not applied to the 3% first-year bonus.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
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Intro (Purchases)
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Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% Intro APR for 15 billing cycles for purchases
|
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days (Balance Transfer Fee 3% for 60 days from account opening, then 4%)
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18.24% - 28.24% Variable APR on purchases and balance transfers
|
$0
|
Excellent/Good
|
Additional Disclosure: Bank of America is a CardRates advertiser.
0% APR
If there's one credit card perk that can be more financially beneficial than purchase rewards, it's likely a quality 0% APR offer, especially for anyone prone to carrying a balance from month to month. Whether it's fueling up on your road trip or just keeping a gas-guzzler fed, you can do it all without getting stuck paying double-digit interest — or any interest at all. Some of the best 0% APR deals will have terms as long as 12 months or more.
4.8
- New offer! Earn 6% cash back for the first year in the category of your choice: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
- Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- With the Bank of America Preferred Rewards® program, members can earn 25%-75% more cash back on every purchase. That means the 3% choice category could go up to 3.75%-5.25%. The Preferred Rewards bonus is not applied to the 3% first-year bonus.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% Intro APR for 15 billing cycles for purchases
|
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days (Balance Transfer Fee 3% for 60 days from account opening, then 4%)
|
18.24% - 28.24% Variable APR on purchases and balance transfers
|
$0
|
Excellent/Good
|
Additional Disclosure: Bank of America is a CardRates advertiser.
Travel Rewards
For every gallon you burn on the road during your daily commute, you could be earning points or miles toward the vacation of your dreams, far away from the grind — and the traffic. What's more, a number of the best travel rewards cards will offer bonus points or miles for gas station or other travel-related purchases.
4.9
- $0 annual fee and no foreign transaction fees
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% for 15 months
|
0% for 15 months
|
19.24% - 29.24% (Variable)
|
$0
|
Excellent, Good
|
Unless you live in a dense metropolitan city where public transportation is key, the chances are pretty good you have a vehicle — and that it runs on gasoline. For the majority of us, gas is a necessity, and saving on that gas has become even more important as prices seem to rise every year. Unfortunately, while the Shell Drive for Five card is a nice idea, even the biggest petrol-head will likely get more value from a quality rewards card than their Shell card.
Shell Card Overall Rating: 3.5/5.0
The Shell Drive for Five card is a closed-loop store credit card, meaning it can only be used to pay for fuel from Shell-branded pumps. Being a store card also typically means a high APR — and the Shell card is no exception with a 25.99% purchase APR, making it a poor choice for those who tend to carry a balance. But it's not the interest rate that makes the card popular: it's the discounts.
In particular, the Shell Drive for Five card provides a 5¢-per-gallon discount on Shell fuel purchases, with no minimum purchase requirements or maximum savings cap, which works out to around 2% savings, depending on gas prices. Sadly, the premium perk of the card is its introductory offer, which provides a 25¢-per-gallon fuel discount on all Shell fuel purchases made during your first two months.
Shell Credit Card
- APR: 25.99% as of Feb 2024
- Annual Fee: $0
- Rewards: Save 5¢ on every gallon of Shell gas
On the downside, the terms of the introductory offer are very short, so you may not get much out of it unless you're a heavy driver. That said, if you have a big road trip on the horizon — perhaps a cross-country jaunt in a fuel-hungry RV — the introductory gas bonus may just be worth taking on the card, particularly since there's no annual fee to combust your savings.
As a Citibank-issued credit card, the Shell Drive for Five card does have a few extra perks, including Citi® Identity Theft Solutions assistance if you become the victim of identify theft, and $0 liability for unauthorized charges. You can also obtain additional Shell cards at no extra cost, so every driver in the family can fuel up without worry.
Approval Requirements & Application
The typical applicant approved for the Shell Drive for Five card will have at least fair credit, which means a score of 620 or higher. To apply for a Shell card or read its terms and conditions, head to the Shell US website using the link below.
What Others Say About the Shell Credit Card
The Shell gas card has fairly consistent feedback from reviewers around the web, and the general consensus is: Meh. While reviewers get revved up about the introductory rewards and agree that the card's discount is nice, most recognize that a large number of other cards offer better rewards on gas purchases — and can be used in far more places.
The Shell credit card fails to impress, especially when compared to top-notch gas credit cards. With most credit cards that are partnered with either a store or airline, it's not uncommon to see rewards rates that are 3% or higher. For example, the BankAmericard Cash Rewards™ Credit Card can give its users 3% back on gas for the first $2,500 in combined purchases each quarter. We calculate that the Shell credit card provides a 2.14% rewards rate for the average consumer. This rewards rate will vary slightly, since it is dependent on the the price of a gallon of gas. Put simply, you get $0.05 back on every gallon you buy. The card's most noteworthy benefit is the bonus it provides for the first 2 months of cardmembership. Cardholders get $0.25 back on every gallon, instead of the standard $0.05. That can work out to a rewards rate of over 10%. Though fantastic, this will wear off fairly quickly, and the card will fall back to mediocrity. Finally, it's worth mentioning that the Shell credit card is a so-called store card. It is not affiliated with any of the card networks, like Visa or Mastercard, and therefore cannot be used to pay for things outside of Shell stations. This is in stark contrast to other gas credit cards. For example, the BP credit card provides their customers a Visa credit card as an option, so you could use it at other brands' gas stations. — ValuePenguin.com
”
If you fill up at Shell and want to earn cash back or discounts, there are better cards to get (since 5 cents works out to just over 1% cash back — unless gas prices fall back to the $2 area!). If you have bad credit and are actually looking for an unsecured credit card, then the Credit One Bank Visa with Gas Rewards is an alternative because you can earn reward points for gas purchases at any station. If you have average credit, the Barclaycard Rewards MasterCard is also a great alternative (you get 2X on gas, utilities, and groceries). — AskMrCreditCard.com
”
The Shell Gas Card is a quality card to be able to buy gas at all Shell gas stations nationwide. The short-term rewards are pretty nice with the 25 cents a gallon savings for two months. However, after that, it becomes very limiting with the savings offered. 5 cents a gallon savings isn't much of a reward when you compare that to the 24.99% interest rate for the card. You also have to purchase a certain amount of gas per month to earn the rewards. Other cards like Chase Freedom are better overall credit cards long term that give you 5% cashback on gas during two quarterly periods a year. — WalletHub.com
”Is the Shell Card Right for You?
No matter how much time you spend on the road, you can probably benefit from saving a little at the gas pump — but the Shell Drive for Five card may not be the way to do it. In the end, unless your credit prevents you from obtaining a card with better gas rewards (or, at least, comparable rewards from a card that can be used in more places), the Shell gas card simply doesn't have a wheel in the race.
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