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Wawa Credit Card Review: Do the Wawa Benefits Compare? 1

Gas station and convenience store chain Wawa offers a store credit card to its consumers. The card gives a decent discount on fuel purchases at Wawa. If you frequently purchase gas at Wawa, you may consider getting the Wawa Credit Card. This card comes with a $0 annual fee, which means that it could also be a good option for credit-rebuilding. Are the discounts and rewards on the Wawa Credit Card good enough?


If you want to decide whether the Wawa Credit Card deserves a place in your wallet, read this comprehensive review.


Wawa Credit Card

Wawa Credit Card does come without an annual fee, but the card features a very high-interest rate – the APR on the card is 28.74% (variable). High APR is normal among store credit cards, but most of the other store cards offer great rewards. If you are charged interest on the card, it won’t be less than $2. The late payment fee on the card can be as high as $39.


At first sight, the bonuses and features on the Wawa Credit Card may seem generous. For the first 2 months, you’ll receive a 25¢ rebate per gallon on gas purchased at Wawa. This roughly equals cash back of 10 percent during that initial period. Once the first two months are over, you will save 5¢ on every gallon of fuel purchased at Wawa. This equals cash back of about 2 percent.


While these rewards may seem lucrative, there are a few limitations that reduce their value. The rewards a cardholder can get with the Wawa Credit Card are limited to a mere $60 per year. Furthermore, you are not allowed to exceed 100 rebates at Wawa in a single billing period i.e. a month. Even if you get the maximum rewards during the first 60 days, you will eventually reach the $60 rewards limit and won’t be able to benefit from the cash back.


It’s also important to mention that the Wawa Credit Card won’t offer you much after the introductory two-month period. Once the introductory period is over you’ll only receive cash back of 2 percent on fuel purchases only – that is the same as what is offered by the Citi Double Cash Credit Card. However, the Citi Double Cash card offers 2 percent cash back on not just gas, but on all purchases. Considering that the Wawa Credit Card is a store card, you can’t use it anywhere else but Wawa stores and Wawa gas stations.


Wawa allows you to manage your credit card online or keep track of your rewards and gas purchases. However, these features are available on almost all store credit cards. So, although the rewards on the Wawa Credit Card look good at a first glance, they aren’t really too great and won’t provide you much benefit.


Pros of the Wawa Credit Card


Cons of the Wawa Credit Card

  • Limited rewards
  • Hefty late fees and high interest rates
  • There aren’t any great features except for the reward on gas.


Applying for a Wawa Credit Card

You can apply for a Wawa Credit Card online. The application is simple and can be completed within an hour. If you wish to apply for a Wawa Credit Card, visit this page. You can access the credit card application by clicking the “Apply Now” button. Before you apply, make sure to read the terms and conditions document. Read each and every word of the document before applying for a Wawa Credit Card to ensure that you know exactly what you are signing up for.


Wawa Credit Card Login Information

Once you receive your Wawa Credit Card, you’ll need to register it before you can start managing your account online. You can visit this website and then click on ‘Register Your Card’ to complete the registration process. You will have to provide your card number, name as it appears on the card, security code and last 4 digits of primary cardholder’s SSN for registration. Once you have registered your credit card, you can sign into your account. Simply visit this page and enter your User ID and password to log in.



There are two ways to make payments on your Wawa Credit Card: By phone and via online banking. If you want to complete your payment over the phone, call at 1-855-207-9816. If you want to pay your Wawa Credit Card online, log into your online account and make the payment from there.


Should You Get a Wawa Credit Card?

Is a Wawa Credit Card right for you? Well, if you frequently purchase gas at Wawa, you could save a few bucks from the 25¢ rebate on gas in the first two months and from the 5¢ after the introductory period is over. These rewards look good. But, the $60 limit on rebates diminishes their value. No matter how much gas you purchase, the maximum you will be able to save in a year is $60. This isn’t much. Moreover, even if there wasn’t a limit, the 2 percent cash back after the introductory period won’t save you a lot of money since it is only for gas purchases. There are other credit cards that offer 2 percent cash back on not just gas purchase but on all purchases, which means that the Wawa Credit Card may not be an ideal option.


An Alternative to the Wawa Credit Card

The Chase Freedom Credit Card is a good alternative to Wawa card. It is one of the best cash back cards. If your credit score is good, you should consider getting the Chase Freedom card. The Wawa card only offers cash back of 2 percent, that too on gas purchases only. Chase Freedom offers 5 percent cash back on certain select categories for the initial $1,500 you spent every quarter. You’re allowed to select new categories at the start of every new quarter. Grocery and gas categories are featured frequently so you can get good cash back for your first $1,500 spending on groceries and gas.

chase freedom card

Chase Freedom

$150 (15k Ultimate Rewards) after spending $500 in 3 mo.

No Annual Fee


See our full review of the Chase Freedom.


There are certain advantages of having the Chase Freedom Credit Card. For instance, you will earn cash back of 1 percent on all the other purchases. When compared to Wawa card, you get nothing on other kinds of purchases. So, Chase Freedom credit card can prove to be a better alternative for you.


Our Last Thoughts on the Wawa Credit Card

Although the Wawa Credit Card offers good cash back and you can save a few bucks if you frequently purchase fuel at Wawa, the $60 limit puts a cap on your benefits. If the $60 limit wasn’t there, the Wawa card would be worthwhile. If you don’t frequently purchase gas at Wawa, then the Wawa Credit Card won’t provide you any benefit. So, if you have a good credit score, then consider getting a better credit card like the Citi Double Cash or the Chase Freedom Credit Card.



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
Wawa Credit Card Review: Do the Wawa Benefits Compare? 2
Chase Freedom Unlimited
Wawa Credit Card Review: Do the Wawa Benefits Compare? 3
Sapphire Preferred
Wawa Credit Card Review: Do the Wawa Benefits Compare? 4
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!

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.