BP Credit Card

Synchrony Visa Pending

Back Apply Now

15

Benefits

4

Reward Categories

3x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: bp-credit-card

Issuer: Synchrony

Card Name: BP Credit Card

Card Type: Credit

Network: Visa

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 08:42

Last Scraped: Feb 07, 2026 05:15

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony offers benefits under the Servicemembers Civil Relief Act (SCRA) and the Military Lending Act (MLA) for eligible active duty Servicemembers, spouses, and dependents. Contact 1-866-893-7864 for details.

Rewards Program (Detailed) 4 Categories
PENDING
Category Rate Type Description Annual Cap Status
Gas & EV Charging (Other) 3x Cash Back Qualifying purchases at gas stations and EV charging stations (other than BP & Amoco). No Cap
Groceries 2x Cash Back Qualifying grocery store purchases. No Cap
Dining 2x Cash Back Qualifying restaurant purchases. No Cap
All Other Purchases 1x Cash Back All other qualifying purchases. No Cap
Rewards Summary
PENDING

Reward Type: Cash Back

Base Rate: 1x

Bonus Rate: 5x

Categories: 5% back on qualifying BP and Amoco purchases (fuel and in-store), 3% back on qualifying grocery store and dining purchases

Quarterly Rotating: No

Expiration Policy: Rewards expire 12 months after they are earned.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Benefits & Protections (Detailed) 15 Total
PENDING
Financial 1
No Annual Fee
$0

There is no annual fee for this credit card.

Lifestyle 1
Visa Signature Concierge
24/7 service

Enjoy complimentary 24/7 personalized assistance for travel planning, dinner reservations, event tickets, and more.

Purchase Protection 2
Purchase Security
Up to a specified limit

Covers eligible new purchases against theft or damage for a specified period (typically 90-120 days) from the date of purchase, up to a specified limit per claim.

Extended Warranty Protection
Up to one additional year

Extends the manufacturer's original warranty on eligible items purchased with your card for an additional period (typically up to one year) on warranties of three years or less.

Rewards 6
Initial Fuel Savings
30¢ per gallon

Save 30¢ per gallon on every gallon of fuel purchased at bp & Amoco stations in the first 30 days after account opening.

Ongoing Fuel Savings
15¢ per gallon

Save 15¢ per gallon on every gallon of fuel purchased at bp & Amoco stations after the first 30 days.

5% Cash Back on BP/Amoco Non-Fuel Purchases
5% cash back

Earn 5% cash back on non-fuel purchases at bp & Amoco stations (convenience store & car wash).

3% Cash Back on Grocery & Dining Purchases
3% cash back

Earn 3% cash back on grocery store and dining purchases (including takeout and food delivery).

1% Cash Back on Other Purchases
1% cash back

Earn 1% cash back on all other qualifying purchases.

Automatic Statement Credit Redemption
Automatic statement credit

Rewards are automatically redeemed as a statement credit on qualifying fuel purchases at bp & Amoco stations.

Security 2
Zero Fraud Liability
Full protection

You are protected from unauthorized purchases made with your card or account information.

Lost/Stolen Card Assistance
Assistance service

Provides assistance with reporting a lost or stolen card and arranging for a replacement card.

Travel Insurance 3
Travel & Emergency Assistance Services
Referral service

Provides a referral service for medical, legal, and travel emergencies when you're away from home. Cardholders are responsible for the cost of any services received.

Roadside Dispatch
Pay-per-use service

A pay-per-use roadside assistance program. Services include standard towing, tire changing, jump starting, lockout service, fuel delivery, and winching.

Auto Rental Collision Damage Waiver
Up to actual cash value of vehicle

Provides secondary coverage for damage due to collision or theft for most rental cars when you pay for the entire rental transaction with your eligible card and decline the rental company's collision damage waiver.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Balance Transfer: Either $10 or 5% of the amount of each balance transfer, whichever is greater
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 31.99%

Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: The bp-credit-card from Synchrony offers a cents-per-gallon discount on fuel purchases at participating BP and Amoco locations. For 2026, expect a standard discount (e.g., 5-10 cents off per gallon), potentially with an enhanced introductory offer for new cardholders (e.g., 15-25 cents off per gallon for the first 60-90 days). Eligibility requirements include being 18 years or older (19 in AL and NE), possessing a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), having a verifiable U.S. mailing address, and demonstrating a stable source of income. All applications are subject to Synchrony Bank's credit approval process, typically requiring fair to good credit for approval.

Max Cards Per Issuer: 5

Min Spend Interval: 90 days

Shutdown Risk Triggers: Manufactured spending (though less common for a gas card), high cumulative credit limit across multiple Synchrony accounts, excessive credit applications within a short period, consistent late payments or default on any Synchrony account, suspicious transaction patterns inconsistent with normal fuel/convenience store purchases, abuse of promotional offers, or fraudulent activity.

Cliff Effect Rules: The bp-credit-card generally does not have complex 'card family' rules. The primary 'cliff effects' relate to the loss of promotional financing rates (if offered) upon late payment, reversion to standard APR if promotional terms are not met, or potential reduction/loss of the cents-per-gallon discount if the account is not maintained in good standing.

Special Events: Expect seasonal fuel discounts (e.g., during summer travel season or winter holidays), promotions on convenience store items (snacks, drinks, car washes) when purchased with the card, bonus points/discounts for using the BPme Rewards program in conjunction with the card, and limited-time enhanced offers for new cardholders.

Holiday Promos: Major U.S. holidays such as Memorial Day, 4th of July, Labor Day, Thanksgiving, Christmas, and New Year's. Also, expect promotions during the summer travel season (June-August) and potentially back-to-school periods.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Good rewards for frequent BP/Amoco users, especially with the higher cash back on gas. Easy application process.

Top Negative:
Customer service can be difficult to reach or unhelpful. Credit limits are often low. Rewards structure outside of gas can be uncompetitive.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Discover it® Cash Back
  • Chase Freedom Flex℠
  • Citi Custom Cash℠ Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $300.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0

Last Updated: Jul 29, 2024 00:00