Shell Fuel Rewards® Platinum Mastercard®

Citibank Mastercard Platinum Pending

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Benefits

0

Reward Categories

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Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: shell-platinum-select-mastercard

Issuer: Citibank

Card Name: Shell Fuel Rewards® Platinum Mastercard®

Card Type: Credit

Network: Mastercard

Card Tier: Platinum

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 15:47

Last Scraped: Jan 15, 2026 15:49

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: 1x

Bonus Rate: 5x

Categories: 5x Shell Fuel, 2x Dining, 2x Groceries

Quarterly Rotating: No

Cap Amount: $1,200.00

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

Point Value: 0.01¢

Travel Portal Multiplier: 0x

Transfer Partners: N/A - Cash back card

Redemption Penalties: None

Benefits & Protections (Detailed)
No Card Benefits Available

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

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
PENDING

$100

Cash Back

Requirement: Spend $1,000 in 90 days

Timing: Statement credit typically applied within 1-2 billing cycles after the spending requirement is met.

Expires: Mar 31, 2026

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
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 & APR
PENDING
Standard APR

Purchase APR: 21.24% - 29.24%

Balance Transfer APR: 21.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 0 months

Intro BT APR: 0% for 0 months

Promo Duration: 0 months

Approval Criteria & Requirements
No Approval Criteria Available

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Issuer Rules & Policies
PENDING

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.

Max Cards Per Issuer: 5

Min 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.

Cliff Effect Rules: The primary cliff effect rule for Citibank is the '24-month rule,' which states that applicants are generally ineligible for a new cardmember bonus if they have received a bonus for the same card product or any card within its family in the past 24 months.

Special Events: Co-branded Shell cards may feature special fuel discounts, loyalty program bonus points, or limited-time offers tied to Shell gas stations or specific purchase categories throughout the year, often aligning with travel seasons or major holidays.

Holiday Promos: Common holiday promotion periods include Black Friday/Cyber Monday, end-of-year holiday shopping season (November-December), and sometimes summer travel periods (May-August) for fuel-related offers.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
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:
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: 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

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0