Phillips 66®, Conoco®, 76® Credit Card

Synchrony Pending

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6

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: phillips-66-conoco-76-credit-card

Issuer: Synchrony

Card Name: Phillips 66®, Conoco®, 76® Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 07:30

Last Scraped: Feb 17, 2026 07:32

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING

Reward Type: Cash Back

Base Rate: 0x

Categories: 10 cents off per gallon on fuel purchases at Phillips 66, Conoco, and 76 stations.

Quarterly Rotating: No

Benefits & Protections (Detailed) 6 Total
PENDING
Convenience 2
Online Account Management

Cardholders can easily manage their account online, including viewing statements, making payments, and updating personal information.

Brand Station Acceptance

The credit card is accepted at all Phillips 66, Conoco, and 76 stations across the nation.

Financial 1
No Annual Fee
No annual fee

The credit card does not charge an annual fee for card membership.

Security 2
Fraud Protection

The card includes general fraud protection measures to help safeguard against unauthorized use of the account.

Zero Fraud Liability

Cardholders are not held responsible for unauthorized charges made with their card, provided they report them promptly.

Shopping 1
Fuel Savings Discount
10¢ per gallon

Cardholders save 10 cents per gallon on every fill-up at participating Phillips 66, Conoco, and 76 stations nationwide.

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
Effective Annual Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Balance Transfer: None
Cash Advance: None
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Not specified
Issuer Rules & Policies
PENDING

Rules: Eligibility: Applicants must be at least 18 years old, a U.S. resident, and possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Approval typically requires a fair to good credit score, though Synchrony may approve applicants with limited credit history for store-specific cards. Bonus Rule (estimated for 2026): New cardholders may receive a sign-up bonus such as a statement credit (e.g., $25-$50) after making their first purchase within 90 days, or a temporary enhanced discount per gallon (e.g., an additional 10 cents off per gallon for the first 60 days, up to a maximum number of gallons). Store-specific restrictions: This card is exclusively accepted at participating Phillips 66, Conoco, and 76 branded gas stations within the United States. It cannot be used at other gas stations or general merchandise retailers.

Max Cards Per Issuer: 7

Min Spend Interval: 3 months

Shutdown Risk Triggers: High cumulative credit limit across all Synchrony accounts, late payments or defaults on any Synchrony product, suspicious or unusual spending patterns (e.g., rapid large purchases inconsistent with typical gas station spend), rapid application for multiple Synchrony cards within a short period, or significant deterioration of credit profile.

Cliff Effect Rules: Synchrony does not have explicit 'card family' rules like some major issuers. However, approval for new cards is heavily influenced by the total credit extended across all Synchrony accounts. Reaching a high cumulative credit limit with Synchrony can make it difficult to be approved for additional cards, regardless of individual card benefits. There are no specific 'downgrade' or 'upgrade' paths for this store card.

Special Events: Periodic bonus cash back days (e.g., 10% back on gas on specific weekdays), fuel discount promotions (e.g., additional 5 cents off per gallon for a limited time), or special offers for cardholders on convenience store purchases at participating locations.

Holiday Promos: Enhanced fuel discounts or bonus rewards during major travel holidays (e.g., Memorial Day, Independence Day, Labor Day, Thanksgiving, Christmas/New Year's travel periods).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Easy approval for fair credit, good for building credit, consistent gas savings at Phillips 66, Conoco, and 76 stations.

Top Negative:
High APR, poor Synchrony customer service, low initial credit limits, issues with reward redemption, limited value for non-gas purchases.

Approval Experience: 65.0 / 100

Recommended Alternatives
  • Discover it Chrome
  • ExxonMobil Smart Card
  • Citi Custom Cash Card

Card Value Score: 60.0 / 100

Est. Annual Rewards: $60.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: 2024-03-01