Shell Fuel Rewards® Platinum Mastercard®
Basic Information
Program ID: shell-platinum-select-mastercard
Issuer: Citibank
Card Type: Credit
Network: Mastercard
Card Tier: Platinum
Data Complete: Yes
Created: 01/15/2026 15:47
Last Scraped: 01/15/2026 15:49
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | 3% of the amount of each transfer (minimum $5) |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 2,124.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $100.00
Spending Requirement: $1,000.00
Time Period: 90 days
Bonus Timing: Statement credit typically applied within 1-2 billing cycles after the spending requirement is met.
Rewards Program
Reward Type: Cash Back
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Shell Fuel, 2x Dining, 2x Groceries
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Rewards do not expire as long as the account is open and in good standing.
Transfer Partners: N/A - Cash back card
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Issuer Rules
Rules: Eligibility for bonus offers typically requires applicants to be new cardmembers who have not received a bonus for a Shell Platinum Select Mastercard or any card within its family in the past 24 months. Citibank generally limits new credit card applications to no more than 1 card every 8 days and no more than 2 cards every 65 days. Applicants must meet Citibank's creditworthiness criteria, be of legal age, and reside in the USA.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, excessive credit cycling, high cumulative credit limit across Citibank accounts, rapid succession of new account openings, unusual spending patterns inconsistent with income, repeated late payments, or abuse of promotional offers.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Excellent fuel savings for frequent Shell customers, especially with the 10¢/gallon discount. Good rewards on non-fuel Shell purchases and decent cash back on dining and groceries. Easy to manage through Citibank online.
Top Negative Feedback:
Rewards are heavily concentrated at Shell, making it less valuable for general spending. High APR if balances are carried. Some users report limited customer service for specific card issues.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- BPme Rewards Visa Signature Card
- ExxonMobil SmartPass+ Credit Card
- Discover it Cash Back
Card Value Score: 68.0 / 100
Est. Annual Rewards: $312.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 84 months
Store vs Co-brand: 40% General / 60% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0