SHARK BITES – Gas Cards with Rewards
With gas prices fluctuating all the time, it’s no surprise that people cancel travel plans for holidays, or commute only when necessary nowadays. It is so annoying to see gas prices go up on Friday’s and come back down on Monday’s. I guess gas companies figure that the majority of consumer’s paydays fall on a Friday, so that makes it alright to charge high prices in their eyes. We have to have fuel for our cars, so why not get rewarded for something we need in the first place?! I suggest Credit Cards/Gas Cards with rewards.
Below are a few cards/sites that showcase many top-rated gas cards, which give back rewards.
Average FICO Score 630-689:
Barclaycard Rewards MasterCard®— Annual Fee: $0
Reward Rate: 1.00%. There is no limit to the total number of rewards you can earn or redeem. You can qualify with average credit with no annual fees. APR: Purchase: 24.99%, Variable Penalty APR: Up to 27.24%, Variable; Cash Advance APR: 25.24%, Variable.
Card Features: You can earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else; Use the points you earn like cash to pay for almost any purchases you’ve made; No redemption fees, no limit on the points you can earn and no complicated set up; Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score; Complimentary FICO® Credit Scores as a benefit to active card members. Apply here.
Credit One Bank Credit Card— Annual Fee: $35-$99
Card Type: Visa Platinum
Reward Rate: 1.00%; 1% Gas Rewards; Automatic Credit Line Increase Reviews; Free Online Monthly Credit Score Tracking; Updates to All Major Credit Bureaus; $0 Fraud Liability. 17.90% – 23.90% This APR will vary with the market, based on the Prime Rate.
Card Features: Automatic reviews for credit line increase opportunities; Rewards post to your account automatically each month. Pre-qualify here.
Credit One Bank Credit Card— Annual Fee: $99
Reward Rate: 1.00%; Rewards post to your account each month; Automatic reviews for credit line increase opportunities; Min APR: 17.90%, Variable; Max APR: 23.90%, Variable; Cash Advance APR: 23.90%, Variable.
Card Features: Card Features: Automatic reviews for credit line increase opportunities; Rewards post to your account automatically each month. Pre-qualify here.
Good FICO Score (690-719):
Capital One Quicksilver Cash Rewards Credit Card— Annual Fee: $0
Rewards Rate: 1.50%; $100 bonus for $500 spent on purchases within the first 3 months; 0% intro APR until March 2016; 12.9%-22.9% variable APR after that. Apply here.
U.S. Bank FlexPerks Travel Rewards Visa Signature Card – 20,000 Bonus FlexPoints— Annual Fee: $$0 intro* for the first year, then $49*
Rewards Rate: 1.00%; APR; Variable: Min APR: 13.99%, Variable
Max APR: 23.99%, Variable; Cash Advance APR: 23.99%, Variable.
Card Features: You can earn 20,000 enrollment FlexPoints after you spend $3,500 in Net Purchases (purchases minus credits and returns) on your Card within the first four months of account opening; You can earn one FlexPoint for every $1 of eligible net purchases charged to your Card; Yu can earn two FlexPoints for every $1 spent on gas, grocery or airline net purchases – whichever you spend most on each monthly billing cycle – and on most cell phone expenses; You can earn Triple FlexPoints on eligible charitable donations*; No Foreign Transaction Fees (based on creditworthiness).*; Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or online redemption fees; Receive an airline allowance of up to $25 with every award travel ticket to use toward baggage fees, in-flight food or drinks and more; Earn 3,500 bonus FlexPoints each year when you spend $24,000 in Net Purchases. You can redeem these FlexPoints for your annual fee or combine them with other FlexPoints for travel or many other rewards; Subject to credit approval. Apply here.
Excellent FICO Score (720-850):
Sallie Mae MasterCard— No Annual Fee (Great for Students)
$25 Cash Bonus – after first purchase, made within 90 days of account opening
Rewards Rate: 1.00%. APR; Variable: Min APR: 13.99%, Variable;
Max APR: 22.99%, Variable; Penalty APR: Up to 27.24%, Variable; Cash Advance APR: 25.24%, Variable
Card Features: Earn 1% on purchases; Earn 5% cash back on gas and $750 a month; You can redeem your points as cash to pay off your Sallie Mae student loan, cash back into your Upromise account, or a statement credit.
Chase Freedom— Annual Fee: $0
Rewards Rate: 1.00% (5% in cash back that change quarterly) APR; Variable: APR: 13.99%-22.99% (Variable); Penalty APR: Up to 29.99%, Variable; Cash Advance APR: 24.99%, Variable.
Card Features: Named a Best Card for Cash Back by MONEY® Magazine; You can earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening; You can earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period; 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99-22.99% Unlimited 1% Cash Back on every purchase; 5% Total Cash Back on up to $1,500 in combined purchases in bonus categories each quarter; You’ll enjoy new 5% categories every 3 months like gas stations, restaurants and Amazon.com. It’s free and easy to activate your bonus each quarter! Rewards never expire as long as your account is open.
UNSECURED Card for People with (BAD CREDIT):
Credit One Bank Credit Card with Gas Rewards— Annual Fee: $35-$99
Rewards Rate: 1.00%. APR: 17.90% – 23.90% This APR will vary with the market, based on the Prime Rate.
Card Features: Platinum Status; 1% Gas Rewards; Automatic Credit Line Increase Reviews; Free Online Monthly Credit Score Tracking; Updates to All Major Credit Bureaus; $0 Fraud Liability. Apply here.
SECURED Card for People with (BAD CREDIT):
Capital One Secured MasterCard— Annual Fee: $0
APR: 24.9%. This APR will vary with the market based on the Prime Rate.
*Required Security Deposit*— $49, $99 or $200 refundable deposit based on your creditworthiness; $200 – $3,000. Minimum required security deposit gets you a $200 initial credit line. Deposit more than your minimum required security deposit before your account opens to get a higher initial credit line, up to $3,000.
Card Features: 100% free unlimited access to your credit score; what-if simulator; and other tools with Capital One® Credit Tracker.2; Reports to the three major credit bureaus. Apply here.
Google Play Fuel Rewards programs here.
iPhone Fuel Rewards program here.
“Don’t sink with the fishes. Be the consumer in the know!”
~Sharky
What is “Shark Bites”? Shark Bites is a money-saving tips series here on FreebieShark that aims to help you and your family get the most out of your money. “Shark Bites” posts are both educational and straight to the point. Just another way FreebieShark is helping you save!
