BP Visa Credit Card
Basic Information
Program ID: bp-visa-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 09:10
Last Scraped: 01/15/2026 09:36
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: | Either $5 or 3% of the amount of each 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
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: $150.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after meeting the spending requirement, but often posts within 48-72 hours of the statement closing date.
Rewards Program
Reward Type: Cash Back
Base Reward Rate: 1.00%
Bonus Reward Rate: 3.00%
Bonus Categories: 3x BP & Amoco Fuel Stations, 2x Grocery & Dining
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Rewards expire 12 months after being earned or upon account closure.
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian
Issuer Rules
Rules: Eligibility for the bp-visa-credit-card in 2026 requires applicants to be at least 18 years old, a U.S. resident with a valid Social Security Number or ITIN, and possess a good to excellent credit score (typically 670+) with sufficient verifiable income. New cardholders are generally offered a one-time sign-up bonus, such as a statement credit (e.g., $50-$100) after spending a specified amount (e.g., $100-$500) on eligible purchases within the first 90 days of account opening. This bonus is typically limited to one per lifetime or per a multi-year period for this specific product. Store-specific restrictions apply: rewards and bonus eligibility are often tied to purchases made at participating BP/Amoco locations, and certain categories like gift cards, money orders, or non-fuel convenience items may be excluded from earning rewards or counting towards bonus spend thresholds. Synchrony reserves the right to modify these terms.
Maximum Cards Per Issuer: 3
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Synchrony products, rapid increase in credit utilization, defaulting on other Synchrony accounts, suspicious or fraudulent activity, multiple recent applications for Synchrony products, abuse of promotional offers or rewards programs.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.7 / 5.0
Top Positive Feedback:
Good rewards on BP gas purchases, convenient for frequent BP customers, and useful for building credit.
Top Negative Feedback:
Rewards are highly specific to BP, high APR, limited general spending value, and some users report issues with Synchrony customer service.
Approval Experience Score: 80.0 / 100
Recommended Alternatives
- Citi Custom Cash Card
- Discover it Chrome
- Shell Fuel Rewards Card
Card Value Score: 70.0 / 100
Est. Annual Rewards: $180.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 54 months
Store vs Co-brand: 50% General / 50% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0
Last Updated: 01/01/2024 00:00