BP Credit Card
Basic Information
Program ID: bp-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 08:42
Last Scraped: 01/15/2026 09:05
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $0.30
Spending Requirement: $0.00
Time Period: 60 days
Bonus Timing: Discount applied at the pump or as a statement credit shortly after eligible fuel purchases post.
Rewards Program
Reward Type: Cash Back / Fuel Savings
Base Reward Rate: 0.01%
Bonus Reward Rate: 0.05%
Bonus Categories: Bonus: 15¢ off per gallon on BP/Amoco fuel for every $100 spent at BP/Amoco (maximum 45¢ off per gallon earned per billing cycle, maximum 45¢ off per gallon discount per transaction); 5% cash back on non-fuel BP/Amoco convenience store purchases; 3% cash back on grocery and dining purchases. Base: 1% cash back on all other eligible purchases. (Note: Details are based on current program information for the BPme Rewards Visa Signature Card, as 2026 specifics are not yet announced and are subject to change by Synchrony.)
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Cash back rewards do not expire as long as your account is open and in good standing. Fuel discounts must be redeemed by the end of the billing cycle following the one in which they were earned.
Transfer Partners: N/A
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: The bp-credit-card, issued by Synchrony, primarily offers ongoing fuel savings at BP and Amoco stations. Eligibility requirements for application typically include being 18 years or older, a U.S. resident with a valid Social Security Number, and possessing a fair to good credit score (generally FICO 640+ for co-branded versions, potentially lower for the basic store card). All applications are subject to Synchrony's credit underwriting standards, which involve income verification and a review of existing credit history. The card's primary benefit is usually a fixed cents-off per gallon discount, often enhanced by enrollment in the BPme Rewards program. Traditional large sign-up bonuses with specific spend requirements are uncommon for this card; benefits are generally continuous.
Maximum Cards Per Issuer: 6
Minimum Spend Interval: N/A - Primary benefits are ongoing fuel savings, not tied to a specific sign-up bonus spend requirement.
Shutdown Risk Triggers: Manufactured spending, excessive credit seeking (multiple recent applications with Synchrony or other issuers), high cumulative credit limit across Synchrony accounts, unusual spending patterns inconsistent with stated income, late payments, or defaulting on any Synchrony account.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.0 / 5.0
Top Positive Feedback:
Good rewards on gas purchases, relatively easy to get approved for fair credit, useful for everyday fuel savings.
Top Negative Feedback:
Frequent complaints about customer service, low initial credit limits, high APR, online account management can be clunky.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Shell Fuel Rewards Card
- ExxonMobil SmartPass+ Credit Card
- Citi Custom Cash Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $150.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 40% Store (BP) / 60% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: 2024-01-01
Last Updated: 01/01/2024 00:00