5
Benefits2
Reward Categories0.2x
Max Reward32%
APR FromBasic Information
PENDINGProgram ID: citgo-rewards-card
Issuer: Synchrony
Card Name: CITGO Rewards Card
Card Type: Credit
Network:
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
Synchrony Bank offers benefits under the Servicemembers Civil Relief Act (SCRA) for eligible active duty Servicemembers. Contact 1-866-893-7864 for details.
Rewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Gas | 0.15x | Cash Back | Earn $0.15 off per gallon on up to 100 gallons each month when you spend $1,000 or more on eligible purchases outside of CITGO. Eligible purchases are purchases made with your CITGO Rewards Card, minus returns, refunds, and adjustments, at merchants other than CITGO, including CITGO branded locations. | No Cap | |
| Gas | 0.1x | Cash Back | Earn $0.10 off per gallon on up to 100 gallons each month when you spend $300-$999.99 on eligible purchases outside of CITGO. Eligible purchases are purchases made with your CITGO Rewards Card, minus returns, refunds, and adjustments, at merchants other than CITGO, including CITGO branded locations. | No Cap |
Rewards Summary
PENDINGReward Type: Fuel Discount
Categories: 10¢ off per gallon on any grade of CITGO fuel
Quarterly Rotating: No
Travel Portal Multiplier: 1x
Benefits & Protections (Detailed) 5 Total
PENDINGFinancial 1
No Annual Fee
$0The CITGO Rewards Card does not charge an annual fee for card membership.
Rewards 1
Unlimited Rewards Earning
UnlimitedThere is no limit to the total amount of rewards that can be earned with the CITGO Rewards Card.
Shopping 3
Fuel Rewards at CITGO
5¢ off per gallonCardholders earn 5¢ off per gallon on fuel purchases made at participating CITGO locations. Rewards are automatically applied as a statement credit.
Non-Fuel Rewards at CITGO
1¢ off per gallonCardholders earn 1¢ off per gallon on non-fuel purchases made at participating CITGO locations. Rewards are automatically applied as a statement credit.
Everyday Purchase Rewards
1¢ off per gallonCardholders earn 1¢ off per gallon on all other purchases made everywhere Mastercard is accepted, outside of CITGO locations. Rewards are automatically applied as a statement credit.
Benefits Summary (Flags)
PENDINGExtended 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 |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | None |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 31.99% - 31.99%
Cash Advance APR: 31.99%
Intro APR Offers
Promo Financing: Special Financing
Promo Duration: 6 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The Citgo Rewards Card is issued by Synchrony Bank. Eligibility requirements typically include being at least 18 years old, a U.S. resident, and possessing a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Applicants are subject to a creditworthiness assessment; while store cards can sometimes be more lenient, a fair to good credit score is generally recommended. Synchrony may deny applications if the applicant has a recent history of bankruptcy, excessive delinquencies, or if they already have a high number of existing Synchrony accounts or a substantial cumulative credit limit with the issuer. The primary bonus rule for this card is ongoing savings on fuel purchases at participating Citgo locations (e.g., X cents off per gallon or X% back). Specific sign-up bonuses are rare but, if offered, are typically a small statement credit after the first purchase or within a short initial period.
Max Cards Per Issuer: 4
Min Spend Interval: N/A for ongoing rewards structure. If a sign-up bonus is offered, typically 90 days from account opening for a small statement credit.
Cliff Effect Rules: Not applicable. The Citgo Rewards Card is a standalone store card program without complex family rules or intertwined benefits with other Synchrony-issued cards.
Special Events: Periodic fuel discount promotions (e.g., extra cents off per gallon on specific days or for specific purchase amounts), loyalty program tie-ins, or limited-time offers on in-store purchases at participating Citgo locations.
Holiday Promos: Potential for minor holiday-themed fuel discounts or in-store promotions, particularly around major travel holidays (e.g., Memorial Day, 4th of July, Thanksgiving, Christmas) or during peak summer driving season.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.5 / 5.0
Top Positive:
Good rewards on gas, easy to use at CITGO stations, convenient for regular CITGO customers.
Top Negative:
High APR, limited use outside CITGO for optimal rewards, customer service issues with Synchrony Bank.
Approval Experience: 72.0 / 100
Recommended Alternatives
- Costco Anywhere Visa Card by Citi
- Sam's Club Mastercard
- ExxonMobil SmartPass+ Credit Card
Card Value Score: 60.0 / 100
Est. Annual Rewards: $45.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: 02/24