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bp rewards Visa® Card Review
Content was accurate at the time of publication.
LendingTree's Review
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Sign-Up Bonus
50¢ off per gallon on BP and Amoco fuel purchases in the first 60 days after account opening (ends February 1, 2026)
Rewards Rate
15¢ off per gallon on fuel purchases at participating BP and Amoco stations. Earn 5x points on non-fuel BP and Amoco purchases, 3x points on grocery store and dining purchases and 1x points on other purchases.
Annual Fee
$0 annual fee
Citi is an advertising partner.
Our take: The bp rewards Visa® Card is a solid card for frequent drivers and big grocery spenders with convenient access to BP and Amoco stations.
Is the bp rewards Visa® Card worth it?
For frequent drivers and big households that rely on grocery shopping, the bp rewards Visa® Card is worth it. Unlike many cashback cards, the bp rewards Visa® Card does not put a maximum spending threshold to earn its 3% cash back on groceries and 15 cents off per gallon, with the potential to earn 25 cents off per gallon in the first 30 days.
On the downside, the bp rewards Visa® Card limits you to BP and Amoco gas stations to earn the cents off per gallon discount; otherwise, you earn 1% on all purchases. You also have a high APR of 32.99%, with no introductory rate.
Quick facts
- Click APPLY NOW to apply online.
- Limited time introductory offer: Earn 50¢ off per gallon on bp and Amoco fuel purchases in the first 60 days after account opening (ends February 1, 2026)
- Use your card anywhere Visa is accepted
- No annual fee
- Visa benefits, including roadside dispatch and zero liability
- Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
N/A
- Sign-up bonus: 50¢ off per gallon on BP and Amoco fuel purchases in the first 60 days after account opening (ends February 1, 2026) After which, you’ll get 10 cents off a gallon.
- Earning rate: 15¢ off per gallon on fuel purchases at participating BP and Amoco stations. Earn 5x points on non-fuel BP and Amoco purchases, 3x points on grocery store and dining purchases and 1x points on other purchases.
- Annual fee: $0
- Other benefits: $0 fraud liability
Intro Purchase APR
N/A
Regular Purchase APR
32.99%
Intro BT APR
N/A
Regular BT APR
32.99%
Annual Fee
$0
Cash Advance Fee
Either $5 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction Fee
3% of each transaction in U.S. dollars
Balance Transfer Fee
Either $10 or 5% of the amount of each transfer, whichever is greater
Pros and cons
- No gallon restrictions or purchase limits
to earn cents off per gallon discount - No spending limits to earn 3% cash back
on groceries - $0 annual fee
- $0 fraud liability
- Need to have BP and Amoco gas stations conveniently near you
- High APR of 32.99%
- Requires you to spend at least $100 per month on fuel to get full cents off per gallon discount
- Cannot get all rewards using ApplePay
Earn 25 cents off per gallon for the first 30 days
The bp rewards Visa® Card has a 50¢ off per gallon on BP and Amoco fuel purchases in the first 60 days after account opening (ends February 1, 2026) After, you’ll get 10 cents off a gallon.
The average cost of gas is $3.40 per gallon or $40.80 to fill a 12-gallon tank. So, this offer could allow you to fill a 12-gallon tank for $37.80.
To be eligible for this offer, you must make gas purchases at participating BP and Amoco locations, which you can find on their station finder tool online or on the BPme app.
Get an additional 5 cents off by using the BPme app
In addition to the 25 cent discount, you can earn another 5¢ by purchasing fuel using the BPme app. To get the 5-cent discount, you need to spend at least $100 per month on fuel at participating BP and Amoco stations. This deal is permanent, so even after 30 days you can earn an additional 5¢ off fuel in combination with other discount deals.
Earn up to 15 cents off per gallon at BP or Amoco stations
The bp rewards Visa® Card offers a solid ongoing discount on BP gas, plus decent rewards on groceries.
After the introductory offer, you will still 15¢ off per gallon on fuel purchases at participating BP and Amoco stations. Earn 5x points on non-fuel BP and Amoco purchases, 3x points on grocery store and dining purchases and 1x points on other purchases.
Be careful how you use your card at the pump. If you use your bp rewards Visa® Card with ApplePay, you will lose out on the fuel discount. Instead, you’ll receive 1% cash back on those fuel purchases.
By our estimates, you can earn an average 1.5 cents per dollar spent on this card. While it doesn’t stack too well against other cashback rewards cards, the BP via stands out in offering twice as much value for every dollar spent on groceries and 15 cents off per gallon on gas, with no maximum spending limitations.
Redeeming discounts and cash back
The bp rewards Visa® Card rewards are pretty simple to redeem, but cash back rewards take longer than the cents off per gallon. The cents off per gallon rewards are automatically taken at the pump of participating BP and Amoco gas stations. Make sure to use the BPme app to earn the 5-cent discount.
Meanwhile, the cash back rewards earned will be applied to your card account as statement credit within two billing cycles.
Other benefits
Aside from cents off per gallon and cash back rewards, the bp rewards Visa® Card offers a few other benefits:
The bp rewards Visa® Card has $0 annual fee. The average annual credit card fee is $147, so this perk could help you save money.
Drawbacks
- Gas station limitations: To maximize the cents off per gallon discount, you need to have BP and Amoco gas stations conveniently near you.
- High APR: The APR on the bp rewards Visa® Card is 32.99%. The average APR on new cards is 23.02%, so bp rewards Visa® Card APR is significantly higher.
- Minimum fuel spending threshold: To earn the additional 5 cents off per gallon of fuel, you need to spend at least $100 on fuel per month. That could mean re-filling a 12-gallon tank at least three times each month to earn this reward.
- ApplePay disqualifies discount: You cannot get the cents off discount per gallon using ApplePay at the gas station. Instead, you would receive 1% cash back.
How does the bp rewards Visa® Card compare to other cards?
While the bp rewards Visa® Card can be a solid option for an avid driver, it is not the only option when it comes to earning cash back in specific spending categories. Here are other rewards credit cards to consider:
| Credit Cards | Our Ratings | Annual Fee | Rewards Rate | Welcome Offer | |
|---|---|---|---|---|---|
|
bp rewards Visa® Card*
|
$0 | 15¢ off per gallon on fuel purchases at participating BP and Amoco stations. Earn 5x points on non-fuel BP and Amoco purchases, 3x points on grocery store and dining purchases and 1x points on other purchases. | 50¢ off per gallon on BP and Amoco fuel purchases in the first 60 days after account opening (ends February 1, 2026) | ||
Blue Cash Preferred® Card from American Express
|
$0 intro annual fee for the first year, then $95. | Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout. | Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months. | ||
Chase Freedom Flex℠*
|
$0 | 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter. Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases. | Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. | ||
PNC Cash Rewards® Visa® Credit Card*
|
$0 | Earn 4% on gas station purchases, 3% on dining purchases at restaurants, and 2% on grocery store purchases for the first $8,000 in combined purchases in these categories annually. Earn at least 1% cash back on all other purchases everywhere. | $200 bonus after you make $1,000 or more in purchases during the first three months |
Apply Now
*The information related to the bp rewards Visa® Card, Chase Freedom Flex℠ and PNC Cash Rewards® Visa® Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms Apply.
bp rewards Visa® Card vs. Blue Cash Preferred® Card from American Express
The Blue Cash Preferred® Card from American Express has a higher overall earnings rate than the bp rewards Visa® Card with twice as much cash back at U.S. supermarkets. You earn Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout. The cash back you earn is easily redeemable for statement credits.
You also can qualify for a generous welcome offer. The main drawback is the annual fee: You get a $0 intro annual fee for the first year, then $95. annual fee.
*To see rates & fees for Blue Cash Preferred® Card from American Express, please click here.
bp rewards Visa® Card vs. Chase Freedom Flex℠
*The information related to the Chase Freedom Flex℠ has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply
The Chase Freedom Flex℠ is a great option if you want to maximize different spending categories. It offers a much higher rate of cash back than the BPme Rewards Visa Signature® Card through generous spending categories.
You can 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter. Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases. You can also get a much larger welcome bonus than the BPme Rewards Visa Signature® Card.
Like the bp rewards Visa® Card, the Chase Freedom Flex℠ has a $0 annual fee, but stands out with additional benefits, including an introductory APR. Some drawbacks include the spending limits to earn the 5% and the strict 5/24 rule that Chase implements to qualify for the card.
bp rewards Visa® Card vs. PNC Cash Rewards® Visa® Credit Card
*The information related to the PNC Cash Rewards® Visa® Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply
The PNC Cash Rewards® Visa® Credit Card is a solid option if you want to earn a high cash back rate on gas without gas station limitation. The PNC Cash Rewards® Visa® Credit Card lets you Earn 4% on gas station purchases, 3% on dining purchases at restaurants, and 2% on grocery store purchases for the first $8,000 in combined purchases in these categories annually. Earn at least 1% cash back on all other purchases everywhere.
The $0 annual fee and introductory APR on balance transfers can help maximize your savings potential. The main drawback is that the cash back rewards have a $8,000 combined purchase threshold before reducing to 1%. So this card may not be ideal for big spenders.
Should you apply for the bp rewards Visa® Card?
The bp rewards Visa® Card is a good choice for frequent drivers with convenient access to BP or Amoco stations and big grocery spenders. While it does not have as high of an earning rate as other cards, the bp rewards Visa® Card has no spending thresholds that would reduce the earnings rate, so you can enjoy 3% cash back on groceries no matter how much you spend per year.
However, there are alternatives if you are looking to earn cash back on different spending categories or want more gas purchase rewards that are not limited to certain stations.
Frequently asked questions
No. You can also earn 3% on grocery purchases and 1% on everything else.
Synchrony issues the bp rewards Visa® Card.
Your billing statement will provide instructions on how to pay your bp rewards Visa® Card.
It depends. If you are conveniently near BP and Amoco stations and are a big spender on groceries, then the bp rewards Visa® Card is worth it.
No, there is $0 annual fee.
Yes, you can use your bp rewards Visa® Card at Amoco stations to get the cents off per gallon discount.
*To see rates & fees for Blue Cash Preferred® Card from American Express, please click here.
The information related to Capital One Savor Cash Rewards Credit Card, PNC Cash Rewards® Visa® Credit Card and Chase Freedom Flex℠ has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
To see rates & fees for American Express cards mentioned on this page, visit the links provided below:
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
The information related to the bp rewards Visa® Card, Chase Freedom Flex℠ and PNC Cash Rewards® Visa® Credit Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.