GasBuddy Mastercard® Credit Card

BreadFinance Mastercard Pending

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11

Benefits

3

Reward Categories

5x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: gasbuddy-mastercard-credit-card

Issuer: BreadFinance

Card Name: GasBuddy Mastercard® Credit Card

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 11, 2026 10:58

Last Scraped: Feb 11, 2026 11:00

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 3 Categories
PENDING
Category Rate Type Description Annual Cap Status
Gas 5x Cash Back Eligible GasBuddy purchases made with your GasBuddy Mastercard Credit Card. No Cap
Dining 2x Cash Back Eligible restaurant purchases made with your GasBuddy Mastercard Credit Card. No Cap
All Other Purchases 1x Cash Back All other eligible purchases made with your GasBuddy Mastercard Credit Card. No Cap
Rewards Summary
PENDING

Reward Type: Cash Back

Base Rate: 1x

Bonus Rate: 5x

Categories: 5% on gas purchases made through the GasBuddy app, 3% on gas purchases everywhere else, 2% on restaurant purchases, 1% on all other purchases

Quarterly Rotating: No

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

Point Value: 0.01¢

Redemption Penalties: Rewards can only be redeemed for gas purchases through the GasBuddy app.

Benefits & Protections (Detailed) 11 Total
PENDING
Purchase Protection 2
Extended Warranty
Up to 1 additional year

Doubles the original manufacturer's or store brand warranty for up to one additional year on eligible purchases when both the original warranty and the extended warranty are valid for five years or less.

Purchase Protection
Up to $1,000 per claim, $50,000 per cardholder per year

Reimburses for eligible items purchased with the card that are damaged or stolen within 90 days from the date of purchase.

Security 2
Zero Liability Protection
Full protection

Protects cardholders from unauthorized purchases made with their Mastercard credit card. Cardholders are not held responsible for unauthorized transactions.

Mastercard ID Theft Protection™
Resolution services

Provides identity theft resolution services, including monitoring for suspicious activity, alerts, and assistance with restoring identity if theft occurs.

Shopping 4
GasBuddy Purchases Rewards
5% back

Earn 5% back in GasBack® on eligible purchases made through the GasBuddy app or at gas stations using the Pay with GasBuddy card.

Restaurant & Grocery Store Rewards
2% back

Earn 2% back in GasBack® on eligible purchases at restaurants and grocery stores.

All Other Purchases Rewards
1% back

Earn 1% back in GasBack® on all other eligible purchases.

GasBack® Redemption
Savings on gas

Redeem earned GasBack® to save on gas at almost any station nationwide.

Travel 1
Mastercard Global Service™
Emergency assistance

Provides emergency assistance services to cardholders worldwide, including lost and stolen card reporting, emergency card replacement, and emergency cash advance.

Travel Insurance 2
Car Rental Collision Damage Waiver (Secondary)
Coverage for damage and theft

Provides secondary coverage for physical damage and theft of most rental vehicles when the eligible rental car is paid for entirely with the Mastercard and the cardholder declines the rental company's collision damage waiver (CDW) or similar option.

Travel Accident Insurance
Up to $250,000

Provides coverage for accidental death or dismemberment while traveling on a common carrier (e.g., plane, train, bus, ship) when the fare is paid for with the Mastercard.

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
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% - 30.24%

Balance Transfer APR: 26.24%

Cash Advance APR: 30.24%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ If the promotional balance is not paid in full by the end of the promotional period, interest will be charged to your account from the purchase date at the standard APR for Purchases.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility for the GasBuddy Mastercard Credit Card in 2026 requires applicants to be at least 18 years of age (19 in AL/NE), a U.S. resident with a valid Social Security Number or ITIN, and possess a fair to excellent credit score (typically 670+ FICO). Applicants must also demonstrate sufficient income to meet credit obligations. Application rules generally limit new applications for this specific card to once every 6 months. Bonus rules for 2026 are anticipated to include a sign-up bonus, such as a $100 statement credit after spending $500 on purchases within the first 3 months of account opening. Ongoing rewards are expected to be 5% back on GasBuddy purchases, 3% back on other eligible gas purchases, and 1% back on all other eligible purchases.

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, excessive credit applications within a short period, high cumulative credit limit across all BreadFinance accounts, sudden drastic changes in spending patterns, late payments, defaulting on other credit obligations, or suspected fraudulent activity.

Cliff Effect Rules: BreadFinance (formerly Comenity) does not typically enforce strict 'card family' bonus restrictions like some major issuers. However, approval for new cards, including the GasBuddy Mastercard, is heavily influenced by the applicant's total credit exposure across all existing BreadFinance accounts. Reaching a high cumulative credit limit with the issuer can lead to denials for new applications or credit limit reductions on existing accounts, even if individual card limits are not maxed out.

Special Events: Enhanced rewards or special discounts on fuel purchases through the GasBuddy app or at participating gas stations during specific promotional periods (e.g., summer travel season, major holidays). Exclusive member-only offers on car maintenance or related services may also be offered.

Holiday Promos: Increased cashback or statement credit offers during major retail holidays such as Black Friday, Cyber Monday, Christmas, and New Year's. Potential for bonus rewards on specific spending categories during these times.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Users appreciate the high rewards rate on gas purchases, especially when combined with GasBuddy app savings. The card offers decent rewards on dining and groceries, making it a useful everyday spending card for those who frequently drive.

Top Negative:
Common complaints include issues with Comenity Bank's customer service, high interest rates for those who carry a balance, and sometimes complex reward redemption processes. Some users also find the 5% reward limited to GasBuddy app purchases.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Citi Custom Cash Card
  • Sam's Club Mastercard
  • ExxonMobil Smart Card+

Card Value Score: 70.0 / 100

Est. Annual Rewards: $550.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0