Phillips 66® Credit Card

Synchrony Pending

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3

Benefits

1

Reward Categories

0.1x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: phillips-66-credit-card

Issuer: Synchrony

Card Name: Phillips 66® Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 07:32

Last Scraped: Feb 17, 2026 07:34

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 1 Categories
PENDING
Category Rate Type Description Annual Cap Status
Gas 0.05x Cash Back Save $0.05 per gallon on fuel purchases at Phillips 66, Conoco, and 76 stations. No Cap
Rewards Summary
PENDING

Categories: Fuel purchases at Phillips 66, Conoco, and 76 stations

Quarterly Rotating: No

Benefits & Protections (Detailed) 3 Total
PENDING
Financial 1
No Annual Fee
No annual fee

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

Security 1
Fraud Protection

Protection against unauthorized charges on your account, a standard security feature provided by Synchrony Bank.

Shopping 1
Fuel Savings Discount
10¢ per gallon

Cardholders save 10 cents per gallon on any grade of fuel purchased at Phillips 66®, Conoco®, and 76® stations.

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
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
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 6 months

⚠️ No interest if paid in full within 6 months on purchases of $299 or more. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 months.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Application Eligibility (Projected for 2026): Applicants must be at least 18 years old, possess a valid U.S. Social Security Number or ITIN, and have a verifiable U.S. mailing address. A good to excellent credit history is generally required for approval. Bonus Rules (Projected for 2026): The primary benefit is an ongoing discount per gallon of fuel purchased at participating Phillips 66, Conoco, and 76 stations. Initial sign-up bonuses, if offered, typically involve a temporary enhanced discount per gallon for a limited period (e.g., 30-90 days) or a one-time statement credit after a small initial spend. There are generally no large, fixed-value sign-up bonuses common with travel or general rewards cards.

Max Cards Per Issuer: 5

Min Spend Interval: For ongoing fuel discounts, there is no minimum spend interval. If an initial sign-up bonus (e.g., enhanced discount or statement credit) is offered, the typical spend interval to qualify is 3 months (90 days) from account opening.

Shutdown Risk Triggers: Manufactured spending, sudden drastic changes in spending patterns, high credit utilization across Synchrony accounts, inactivity on the card for extended periods (e.g., 12+ months), multiple applications for Synchrony cards in a short timeframe leading to high cumulative credit limits, late payments or defaults on any Synchrony account.

Cliff Effect Rules: This card does not typically fall under complex 'card family' or 'cliff effect' rules common with premium travel or general rewards credit cards. Benefits are specific to the Phillips 66 brand and do not usually impact eligibility or benefits for other Synchrony-issued cards or co-branded products.

Special Events: Seasonal fuel promotions (e.g., summer travel season, holiday road trips), partnerships with other retailers for limited-time discounts or bonus rewards, loyalty program tie-ins offering additional savings or points, exclusive cardholder events or sweepstakes.

Holiday Promos: Major U.S. travel holidays (Memorial Day, Independence Day, Labor Day, Thanksgiving, Christmas, New Year's), back-to-school season, specific promotional periods announced by Phillips 66, Conoco, or 76 brands.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.8 / 5.0

Top Positive:
Good gas rewards, especially for frequent Phillips 66 users; easy application process.

Top Negative:
Rewards are limited to Phillips 66 stations; high APR; some users report issues with Synchrony customer service.

Approval Experience: 78.0 / 100

Recommended Alternatives
  • Citi Custom Cash Card
  • Discover it Chrome
  • Sam's Club Mastercard

Card Value Score: 68.0 / 100

Est. Annual Rewards: $70.00

Approval Probability: 80.0%

Version Control
PENDING

Version ID: October 2023