
The Shell Credit Account offers a range of benefits, including the ability to earn rewards and savings on fuel purchases.
One of the standout features of the Shell Credit Account is the Fuel Mastercard, which provides exclusive perks and savings. With this card, you can earn rewards on every gallon of fuel you buy at Shell stations.
You can earn 5 cents off per gallon on every fill-up at Shell stations, which can add up to significant savings over time.
For another approach, see: How to Account for Credit Card Rewards
Payment Options
You can make a Shell Credit Card payment online by logging in to your account and finding the payment button.
There are three ways to make a Shell Credit Card payment: online, by phone, and by mail.
To make a payment by phone, call 866-743-5562 and enter your card information when prompted, then press N/A.
You can also make a payment by mail by sending a check or money order to Shell Card Payments / P.O. Box 9001011 / Louisville, KY 40290-1011.
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Make sure to write your credit card number on the check and send it early enough that it will arrive by the due date.
Here are the payment options summarized:
- Online: Log in to your account and find the payment button.
- By phone: Call 866-743-5562 and enter your card information when prompted.
- By mail: Send a check or money order to Shell Card Payments / P.O. Box 9001011 / Louisville, KY 40290-1011.
Don't miss payments, as that can seriously damage your credit score.
Requirements and Benefits
To get the most out of your Shell credit account, it's essential to understand the requirements and benefits. There is no annual fee for either the Shell Fuel Rewards Card or the Shell Fuel Rewards Mastercard, but be aware of the pretty hefty APR of 28.74% variable.
Both cards offer instant Shell Fuel Rewards Gold Status, which can be used for purchases not only at Shell but also everywhere Mastercard is accepted. You'll also save 10 cents/gallon (up to 20 gallons) every fill-up, and earn 10% Shell rebates (up to $1,200 Shell non-fuel purchases). The Shell Fuel Rewards Mastercard takes it a step further with 2% Shell rebates on dining & groceries (up to $10,000) and 1% Shell rebates on all other qualifying purchases.
Here's a quick summary of the benefits:
Fuel Mastercard Benefits
The Shell Fuel Rewards Mastercard offers some fantastic benefits that can help you save money on fuel and everyday purchases. It comes with Instant Shell Fuel Rewards Gold Status, which gives you at least 5Ā¢ per gallon savings on every fill-up with any grade of fuel up to 20 gallons.
You'll also save 10Ā¢ per gallon on every fill-up, up to 20 gallons, which is a great incentive to fill up at Shell locations. Plus, you'll get 10% Shell rebates on non-fuel purchases, up to $1,200.
In addition to these benefits, the Shell Fuel Rewards Mastercard offers 2% Shell rebates on dining & groceries, up to $10,000. This is a great perk if you regularly dine out or buy groceries at participating merchants.
Here are the key benefits of the Shell Fuel Rewards Mastercard:
Overall, the Shell Fuel Rewards Mastercard offers a range of benefits that can help you save money on fuel and everyday purchases.
Credit Score Needed
To qualify for the Shell Credit Card, you'll need a credit score of 700 or better. This means people with good credit or better have a shot at getting approved.
Your credit score is just one factor that will impact your chances of being approved, though. Other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, and employment.
Applying for the Shell Credit Card is a relatively straightforward process. Prospective cardholders can apply online with just one application form.
If you don't qualify for the Shell Fuel Rewards Mastercard, you'll be considered for the Shell Fuel Rewards card. This is the process that prospective cardholders go through when applying for the cards.
Most credit card review sites suggest that a "good" credit score is needed to qualify for the Mastercard card, while a "fair" score is needed for the other. Keep in mind that this is not an official policy, though.
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Saving and Rewards
You can save money with the Shell Drive for Five card by getting a dollar-for-dollar rebate on non-fuel purchases made at Shell stations with the card during the first 90 days after the account open date - up to a total of $50.
The Shell Drive for Five card also offers 5-cents-per-gallon savings on Shell Nitrogen Enriched Gasolines and Shell Diesel purchases, which applies from the first gallon up to 100 gallons each qualifying month.
You can also earn rewards with the Shell Fuel Rewards Card, which offers 10 cents per gallon (up to 20 gallons) on every fill-up, and 10% Shell rebates (up to $1,200 Shell non-fuel purchases).
The Shell Fuel Rewards Mastercard offers additional benefits, including 2% Shell rebates on dining & groceries (up to $10,000) and 1% Shell rebates on all other qualifying purchases.
Here's a summary of the rewards offered by the Shell Fuel Rewards Card and the Shell Fuel Rewards Mastercard:
Drive for Five Card Offers More Ways to Save
The Shell Drive for Five card is a great way to save money on your summer road trips. You can get a dollar-for-dollar rebate on non-fuel purchases like car washes and food at Shell-branded stations with the card during the first 90 days after opening the account, up to a total of $50.
This summer, new Shell Drive for Five cardholders can also enjoy 5-cents-per-gallon savings on fuel purchases, which applies to a minimum of 45 gallons of Shell Nitrogen Enriched Gasolines and Shell Diesel per billing cycle. The savings apply from the first gallon up to 100 gallons each qualifying month.
The Shell Drive for Five card offers a range of benefits, including pay-at-the-pump convenience, revolving credit terms, and separate tracking of gasoline purchases. You can even use the card to pay for car repairs or other services at any of the 14,000-plus Shell stations across the country.
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Rebates or Percent Back
Shell Rebates is the term Shell uses to refer to any promotional value that is applied as a āpercent backā on your statement. This can include benefits like 2% back on dining and groceries.
These rebates are automatically redeemed/applied when you make a Shell purchase with your credit card during your subsequent billing cycle. You don't need to do anything extra to get them.
However, there are some limitations to keep in mind. Shell states that rebates are not earned on purchases made for business or commercial purposes, or on purchases returned for full or partial credit.
Something to note is that Shell also states it's possible that a cardholder would be unable to combine multiple discounts, rewards, and/or savings in a single transaction. This means the savings and rebates you earn may not be combined with savings or rewards from other offers.
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Fees and Drawbacks
The Shell credit account has some fees and drawbacks to consider. The standard APR is a whopping 28.74%, which is fairly high compared to other store-branded credit cards.
This high APR can lead to a lot of fees if you're late on payments, miss payments, or pile up a decent balance on the card. The fees will add up quickly, making it harder to pay down your balance.
The Shell Fuel Rewards Card has some limitations, including the fact that it can only be used at Shell stations, severely limiting your spending abilities.
Here are some of the fees associated with the Shell credit account:
The Shell credit account also has some drawbacks, including the fact that the discount at the pump is capped at 20 gallons, and the perks you receive from either card are only beneficial if you spend a lot at Shell.
Fees
The fees associated with store-branded credit cards like the Shell Fuel Rewards Card and Shell Fuel Rewards Mastercard can be a real concern. A high APR of 28.74% is fairly standard, but it's still a significant amount that can add up quickly if you're not careful.
The APR is the same for both cards, so you don't have to worry about choosing one over the other based on interest rates.
The cash advance APR is also 29.99% for both cards, which is another important fee to consider if you need to withdraw cash.
You'll also pay a cash advance transaction fee of $10 or 5% of the amount of each cash advance, whichever is greater.
The foreign purchase transaction fee is 3% of each purchase total, in USD, which is a relatively standard fee for international transactions.
Late fees can be as high as $39, so it's essential to make payments on time to avoid these extra charges.
The minimum interest charge is a flat $2, which can still add up if you're not paying off your balance in full each month.
Here's a breakdown of the fees for both cards:
Drawbacks
The Shell credit cards have some significant drawbacks to consider. One major limitation is that the Shell Fuel Rewards Card can only be used at Shell stations, which severely limits your spending abilities if you like to shop around for the best gas prices.

The Shell Fuel Rewards Mastercard can be used anywhere, but the perks are only beneficial if you spend a lot at Shell since the discounts are only applied to purchases made at Shell.
The discount at the pump is capped at 20 gallons, so if your car's tank is larger than that, you won't get the discount on your full tank fill-ups.
You can earn Shell Rebates in various categories and ways, but the percentage back perks are only applied as a statement credit to purchases made at Shell, making it not truly a cash-back card.
Here are some scenarios where the Shell credit card might not be the best choice:
- You don't drive/fill-up at the pump often
- You aren't loyal to one gas station and tend to fill up wherever is closest
- You drive often, but it's a work expense for the small business you own
- You want a card with 0% APR
- You want to earn travel rewards
- You travel a lot and need a card you can use internationally with no foreign transaction fees
- You have a poor credit score
Application and Usage
You can apply for a Shell credit card online with just one application form. This will put you in the running for the Shell Fuel Rewards Mastercard, which is the first card you'll be considered for.
If you don't qualify for the Mastercard, you'll be considered for the Shell Fuel Rewards card. This is a straightforward process that can be completed online.
To use your rewards, simply swipe your linked credit card at the pump before filling up to have your Fuel Rewards applied. This is a convenient way to save money on your gas purchases.
Fuel Cards Overview
The Shell Fuel Rewards Credit Cards offer a great way to save on fuel and earn rewards. There are two cards to choose from: the Shell Fuel Rewards Card and the Shell Fuel Rewards Mastercard.
Both cards have no annual fee, which is a big plus. The APR on both cards is 28.74% variable, so be sure to pay your balance in full each month to avoid interest charges.
You'll automatically be enrolled in Shell's Fuel Rewards program if you're approved for a Fuel Rewards credit card. This means you'll start saving on fuel right away.
To give you an idea of the savings, here's a comparison of the two cards:
The Shell Fuel Rewards Mastercard is the highest tier credit card offered by Shell/Citibank, offering more rewards benefits than the standard Shell Fuel Rewards Card.
Applying for Cards
Applying for Cards is a straightforward process. You can apply for the Shell credit cards online using a single application form.
The application process starts with consideration for the Shell Fuel Rewards Mastercard. If you don't qualify for this card, you'll then be considered for the Shell Fuel Rewards card.
How to Use

Your rewards will be applied at the pump when you swipe your linked credit card prior to filling up. This is how Fuel Rewards work.
To get your Shell Rebates, you'll need to make purchases at Shell. They'll be applied as a percent back on your subsequent billing cycle.
You'll receive your rewards automatically, so there's no need to manually claim them. Just make sure to use your linked credit card at the right places.
Sources
- https://citiretailservices.citibankonline.com/RSnextgen/svc/launch/index.action
- https://wallethub.com/answers/cc/shell-credit-card-payment-1000255-2140698460/
- https://www.citigroup.com/global/news/press-release/2018/us-citi-retail-services-launches-new-shell-fuel-rewards-credit-cards
- https://csnews.com/shells-drive-five-card-offers-more-ways-save
- https://upgradedpoints.com/credit-cards/reviews/shell-credit-cards/
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