Editorial Disclaimer: Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
Advertiser Disclosure: Travel Freedom has partnered with CardRatings for our coverage of credit card products. Travel Freedom and CardRatings may receive a commission from card issuers.
shell credit card review

The US Energy Information Administration reports that the average gasoline price is over $2.50 per gallon. If you spend a considerable amount of time on the road, you’ll find that gasoline eats up a lot of your dollars. In that case, a gas station credit card may be a good option for you. In this article we’ll review the Shell credit card, plus give you a few other alternative options.


Shell is a major gas station with over 14,000 locations across the U.S. alone. It offers a number of credit cards that may allow you to save money at the pump. The two most popular credit cards offered by Shell include Shell Fuel Rewards Card and Shell Fuel Rewards Mastercard.


Each credit card offers an opportunity to save money on fuel, but the one that’s right for you depends on your gas-buying habits. If you’re interested in getting a Shell credit card and want to know if it’s right for you, then read this comprehensive review that discusses the two major credit cards offered by Shell.


Shell Credit Cards

Shell Fuel Rewards Card is like a typical store card as it can only be used at Shell fuel stations in the United States. On the other hand, you’re free to use Shell Fuel Rewards Mastercard at any station in the country


Both Shell credit cards offer savings of as much as 10 cents per each gallon up to 20 gallons on fuel purchased from Shell. New cardholders can save a maximum of 30 cents per each gallon up to a total of 20 gallons on the first five gas purchases they make at Shell. These savings on the Shell credit card are directly applied at the Shell station. In addition, both credit cards offer rebates of 10 percent on the first $1,200 cardholder spends at Shell for purchases that aren’t gas-related.


Shell Fuel Rewards Mastercard gives 2 percent rebates to consumers on their first $10,000 spent on groceries and dining purchases each year and 1 percent on certain other purchases.


Security features are also offered by both Shell credit cards like $0 liability on unauthorized, fraudulent transactions.


As a cardholder, you don’t have to request for redemption in the rebates. They are applied automatically as a credit against the purchases you make at Shell.


Charges and Fees of Shell Credit Cards

Both the Shell Fuel Rewards Card and Shell Fuel Rewards Mastercard come without an annual fee. The annual percentage rate (APR) of both the cards on purchases is 28.74 percent (variable) while the APR for cash advances is 29.99 percent (variable). If you’re charged interest, it’ll be no less than $2. The foreign purchase transaction on Shell Fuel Rewards Mastercard is 3 percent on each transaction. Late payment fee on both Shell Fuel Rewards Card and Shell Fuel Rewards Mastercard can be as high as $39. The cash advance fee on both credit cards is either 5 percent of the advance amount or $10 (whichever is greater)

shell credit card gas


Shell Credit Card Approval Requirements  

If you want to apply for a Shell credit card, visit the Shell website. You’ll be redirected to an external website that has the application. You’ll be required to provide your personal information like name, contact number and address. Additionally, you must provide your annual salary amount, date of birth and Social Security number. Both Shell Fuel Rewards Card and Shell Fuel Rewards Mastercard will run a credit check and approval is based on your credit history.


Shell Credit Card for Rebuilding Card

It’s easier to get approved for the Shell Fuel Rewards Card, so you may use it to rebuild your credit. Like many of the typical store cards, this credit card doesn’t charge an annual fee and you may be able to rebuild with it if you can pay your bills in full every month. If you can’t, be prepared to pay handsomely in interest as the Shell Fuel Rewards Card comes with a high APR.


Shell Credit Card Login Information

Before you can access your Shell credit card online, you’ll have to register it. To register your card, you must enter your card number, your name as it appears on the card, security code and last 4 digits of the Primary Cardholder’s SSN. Once you’ve verified your card, you can sign into your account with a user ID and password. You can make payments, set up reports and more in your online account.


Which Shell Credit Card is a Better Option for You?

Each Shell credit card allows you to save on gas at Shell stations. The Shell Fuel Rewards Card is best for you if you’re looking for a simple card with rewards that work for fuel purchases at Shell. The 10 cents on every gallon will save you a few dollars if you regularly purchase gas from Shell. The Shell Fuel Rewards MasterCard would be a better option for you than the Shell Fuel Rewards Card if you want a card for regular rewards that you can use for non-fuel related purchases.

shell credit card


Is a Shell Credit Card Right For You?

If you frequently purchase fuel, you could benefit from any one of the Shell credit cards. Both the Shell Fuel Rewards Card and Shell Fuel Rewards Mastercard offer compelling benefits. Shell Fuel Rewards Card can only be used at Shell stations. The more gas you buy, the more benefits you’ll get. Shell Fuel Rewards Mastercard could be a good option for you if you frequently purchase gas from other stations and would like to save a few bucks on your fuel-related and other purchases like dining and groceries.


Alternatives to a Shell Credit Card

There are several other credit cards available in the United States that offer better rewards that a Shell credit card. Many of them offer better rewards than Shell cards when used at a gas station. For example, PenFed Platinum Rewards Signature Visa Card offers five points for every single dollar spent on gas purchases. Additionally, there are three points for every single dollar spent at a supermarket. The Costco Anywhere Visa Card is another good alternative to Shell credit cards as it offers 4 percent cash back on gas with a maximum of $7,000 a year.


Our Last Thoughts on the Shell Credit Card

With zero annual fees and an opportunity to save money on every gallon purchased from Shell, both Shell Fuel Rewards Card and Shell Fuel Rewards Mastercard offer compelling benefits to those who want to save on purchasing gas at Shell.


However, you should know that there are some cards that offer better overall rewards than Shell credit card. You may be better off with a cash back card or rewards credit card instead of a Shell credit card. Those cards may also offer better fuel rewards than Shell credit cards. Remember that some normal rewards cards provide discounts at all gas stations, not just at Shell. So, if you don’t always purchase fuel at Shell, you should consider other credit card options available to you.

The 3 Best Alternative Credit Cards to Consider

Maybe you can do better than this credit card. If you have good credit, you should consider a few other options that will give you better benefits. The credit cards below are a few of our favorites, especially if you’re interested in traveling more. A few of these cards have signup bonuses that are big enough to redeem for multiple round trip flights. My wife and I used our Chase Sapphire Preferred signup bonus to book round trip flights for the both of us to Hawaii! It was well worth researching and getting the best credit card.


 Cash Back AlternativeCash Back AlternativeTravel Rewards Alternative
Chase Freedom
Chase Freedom Unlimited
Sapphire Preferred
Signup Bonus$150 (15,000 pts)$150 (15,000 pts)60,000
Bonus Spending Categories5X on select rotating quarterly categories1.5X on all purchases2X on travel and dining
Annual Fee$0$0$95
Extra PerksBaggage insurance, trip insurance, rental car insurance
Best for People Who...Want no annual fee

Also have a Sapphire card

Want to earn bonus points on spend
Want no annual fee

Also have a Sapphire card

Want simple 1.5 bonus
points on every purchase you make
Want a large introductory bonus

Like to Travel
Learn More >>Learn More >>Learn More >>


Decision Time: Which Credit Card is Really the Best for You?

Here at Travel Freedom, we like to travel, which is why we always prefer travel credit cards for ourselves. You might be the same as us or maybe you’d rather use your points as cashback. Either way, all of these cards earn Ultimate Rewards that can be used for either travel or as cash back.


We think that any four of these cards are a better option than the above-reviewed credit card. They earn points that are both valuable and very versatile. You can redeem them for an assortment of things including our favorite, TRAVEL!

Review Date
Reviewed Item
Shell Credit Card
Author Rating

About Lindsay

Lindsay is a frequent traveler who loves traveling for free. She uses points and miles for free travel whenever possible. Her favorite locations include Thailand, Iceland, Nashville, and Hawaii.

Advertiser Disclosure: Travel Freedom has partnered with CardRatings for our coverage of credit card products. Travel Freedom and CardRatings may receive a commission from card issuers.