BP Visa® Credit Card

Synchrony Visa Pending

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9

Benefits

2

Reward Categories

3x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: bp-visa-credit-card

Issuer: Synchrony

Card Name: BP Visa® Credit Card

Card Type: Credit

Network: Visa

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 09:10

Last Scraped: Feb 05, 2026 13:01

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Gas 3x Cash Back On eligible purchases made at bp and Amoco stations (earns 15¢ off per gallon for every $100 spent, applied to a single fuel purchase of up to 20 gallons). No Cap
All Other Purchases 2x Cash Back On eligible purchases everywhere Visa is accepted (excluding bp and Amoco stations; earns 10¢ off per gallon for every $100 spent, applied to a single fuel purchase of up to 20 gallons). No Cap
Rewards Summary
PENDING

Reward Type: Cash Back

Base Rate: 1x

Bonus Rate: 5x

Categories: 5% cash back on qualifying BP & Amoco fuel purchases (when you use your BPme Rewards Visa and scan your BPme Rewards ID), 3% cash back on qualifying grocery store and dining purchases

Quarterly Rotating: No

Expiration Policy: BP Rewards points do not expire as long as your account is open and in good standing.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Benefits & Protections (Detailed) 9 Total
PENDING
Financial 1
No Annual Fee
$0

The BP Visa Credit Card does not charge an annual fee.

Security 2
Zero Liability Protection
Full protection

Protects cardholders from unauthorized purchases made with their card or account information. Cardholders are not responsible for fraudulent charges.

ID Navigator Powered by NortonLifeLock
Access to identity theft tools

Provides tools to help keep cardholders informed of potential identity theft and offers resolution services if identity theft occurs. Includes dark web monitoring, data breach notifications, and restoration services.

Shopping 3
Welcome Offer - Fuel Savings
30¢ off per gallon for every $100 spent

Earn 30¢ off per gallon on fuel purchases at bp & Amoco stations for every $100 spent on eligible purchases everywhere Visa is accepted in the first 60 days after account opening.

Ongoing Fuel Savings - Everywhere
15¢ off per gallon for every $100 spent

Earn 15¢ off per gallon on fuel purchases at bp & Amoco stations for every $100 spent on eligible purchases everywhere Visa is accepted.

Ongoing Fuel Savings - BP/Amoco Non-Fuel Purchases
5¢ off per gallon for every $100 spent

Earn 5¢ off per gallon on fuel purchases at bp & Amoco stations for every $100 spent on eligible bp & Amoco purchases (excluding fuel).

Travel Assistance 3
Emergency Card Replacement
Expedited replacement

Provides assistance with getting a replacement card delivered quickly if the original card is lost or stolen, typically within 1-3 business days.

Emergency Cash Disbursement
Up to available credit limit

Provides emergency cash if the card is lost or stolen, typically available at a convenient location.

Roadside Dispatch
Flat rate per service call

A pay-per-use roadside assistance program available 24/7. Services include towing, tire changing, jump starting, lockout service, fuel delivery, and winching. Cardholders pay a pre-negotiated flat rate per service call.

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
Authorized User Fee: $0.00
Penalty APR: 29.99%
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: 21.24% - 31.24%

Cash Advance APR: 31.24%

Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Bonus Rule: Earn 30 cents off per gallon on your first 100 gallons of BP/Amoco fuel purchases within the first 60 days of account opening, plus a $10 statement credit after your first purchase outside of BP/Amoco within the same period. Eligibility Requirements: Applicants must be 18 years or older (19 in AL/NE), possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), have a verifiable US mailing address, and meet Synchrony's creditworthiness criteria. Typically, this requires a fair to good credit score (FICO 640+) for the Visa version. Approval is subject to Synchrony's internal credit policies, including overall credit exposure across all Synchrony products and recent account opening history. Store-specific restrictions and promotional terms apply.

Max Cards Per Issuer: 6

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, excessive credit seeking across Synchrony products, high cumulative credit limit across all Synchrony accounts, unusual spending patterns inconsistent with typical consumer behavior, frequent returns/abuses of store policies, late payments or defaults on any Synchrony account.

Cliff Effect Rules: Synchrony evaluates overall credit exposure across all accounts. Reaching a high cumulative credit limit or having too many recent account openings with Synchrony may lead to denial for new applications or credit limit reductions, even if individual accounts are in good standing. There are no strict 'card family' rules like Chase 5/24, but internal limits on total credit extended per customer apply.

Special Events: Seasonal fuel promotions (e.g., summer travel, holiday road trips), specific BP/Amoco station discounts, partnerships with other retailers for bonus points on specific categories (e.g., groceries, dining).

Holiday Promos: Summer travel season (May-August), Thanksgiving/Black Friday (November), Christmas/New Year (December).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.6 / 5.0

Top Positive:
Excellent rewards on BP/Amoco gas purchases, good bonus categories for groceries and dining, no annual fee.

Top Negative:
High APR, customer service can be challenging, rewards are less competitive outside of bonus categories, sometimes low initial credit limits.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Shell Fuel Rewards Card
  • Discover it Chrome
  • PenFed Platinum Rewards Visa Signature

Card Value Score: 70.0 / 100

Est. Annual Rewards: $330.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0