1
Benefits0
Reward Categories—
Max Reward30%
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGReward Type: Fuel Discount
Categories: Phillips 66, Conoco, and 76 fuel purchases
Quarterly Rotating: No
Benefits & Protections (Detailed) 1 Total
PENDINGShopping 1
10¢ Per Gallon Fuel Discount
10¢ per gallonCardholders save 10 cents per gallon on every fuel fill-up, every day, when using their Conoco Credit Card at participating Conoco locations. The savings are applied as a reduction in the price per gallon at the pump at the time of purchase. Offer is valid only for fuel purchases made with a Conoco Credit Card and cannot be combined with other offers.
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 |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Cash Advance APR: 29.99%
Intro APR Offers
Promo Financing: Deferred Interest
Promo Duration: 6 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: For 2026, new Conoco credit cardholders are projected to receive an initial bonus, typically a discount per gallon on fuel purchases for the first X months or after spending Y amount, or a one-time statement credit after meeting initial spend requirements. Bonus offers are subject to change annually. Eligibility requires applicants to be 18 years or older (19 in AL/NE), a US resident with a valid SSN or ITIN, and demonstrate a steady income. Approval generally requires fair to good credit, though Synchrony may approve with lower scores for store/gas cards. Existing Synchrony credit relationships and overall credit exposure are considered. Store-specific restrictions apply, meaning the card is primarily for Conoco, Phillips 66, and 76 branded stations within the USA.
Max Cards Per Issuer: 3
Min Spend Interval: 3 months
Cliff Effect Rules: Synchrony evaluates total credit exposure across all its issued cards. While there isn't a strict 'family rule' like Chase's 5/24, applying for too many Synchrony cards or having a very high cumulative credit limit with them can lead to denials for new applications or credit limit reductions on existing accounts, even if individual credit scores are good.
Special Events: Seasonal fuel promotions (e.g., summer driving season, holiday travel), bonus points/discounts on specific days or for specific purchase types within the Conoco/Phillips 66/76 network.
Holiday Promos: Typically around major driving holidays such as Memorial Day, Independence Day, Labor Day, Thanksgiving, and Christmas/New Year's.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.3 / 5.0
Top Positive:
Easy to get approved for fair credit; provides consistent savings on gas at Conoco, Phillips 66, and 76 stations; accepted anywhere Mastercard is.
Top Negative:
Low rewards rate compared to general cash back cards; high APR; some users report poor customer service experiences; credit limits can be low.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Citi Custom Cash Card
- Discover it Cash Back
- Amazon Prime Rewards Visa Signature
Card Value Score: 55.0 / 100
Est. Annual Rewards: $60.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: January 2024