BP Rewards Visa: 15 Cents at BP, 5 Cents Everywhere Else

The BP Rewards Visa is the highest standing-rate per-gallon discount among the major oil-company gas cards: 15 cents off per gallon at BP and Amoco, 5 cents off at every other gas station. The 25 cents per gallon intro offer for 90 days extends the runway. Here is the math at today's prices and the comparison vs the bigger Shell and Exxon footprints.

At BP

15c/gal

standing rate at BP and Amoco

Elsewhere

5c/gal

at any non-BP gas station

Intro (90 days)

25c/gal

at BP, first 3 months

Annual Fee

no fee ever

Terms verified against the BP Rewards Visa product page as of 2026-05-19, issued by First National Bank of Omaha.

Why a Two-Tier Discount Matters

Most oil-company cards offer a discount only at the issuer's network. The Shell Fuel Rewards Mastercard discounts only at Shell. The ExxonMobil Smart Card+ discounts only at Exxon and Mobil. The BP Rewards Visa is unusual in offering a smaller (5 cents per gallon) discount at any non-BP station.

The structural value of the two-tier setup is that a driver who fuels primarily at BP but occasionally at other stations does not need to switch cards mid-trip. The 5 cents per gallon elsewhere is weak (about 1.4 percent at $3.50 per gallon, compared to 5 percent or more on a general-purpose cash-back card), but it is non-zero. For someone who values a single-card-in-wallet workflow, the two-tier structure is worth a marginal premium over a closed-loop card like the Smart Card+.

The honest counterpoint: any general-purpose gas card (Custom Cash, Autograph, PenFed Platinum) earns far more than 5 cents per gallon at non-issuer stations. If your fueling is mixed across networks, a percentage-based gas card structurally outperforms the BP Visa.

Effective Percent Off at Each Price Level

BP and non-BP rates side by side. The structural drop at non-BP stations from 15 cents to 5 cents per gallon is the gap that defines this card's value.

Price / gallon	At BP (15c)	Elsewhere (5c)
$2.50	6.00%	2.00%
$3.00	5.00%	1.67%
$3.50	4.29%	1.43%
$4.00	3.75%	1.25%
$4.50	3.33%	1.11%
$5.00	3.00%	1.00%

Card-at-a-Glance

At BP gas stations	15 cents per gallon off
At non-BP gas stations	5 cents per gallon off
Intro offer (first 90 days)	25 cents per gallon off at BP
Annual fee	$0
Network	Visa (use anywhere Visa is accepted)
BP-affiliated brands	BP, Amoco (where co-branded)

Network Footprint and Why It Decides the Card

BP operates roughly 7,000 US gas stations, concentrated in the Midwest, Ohio Valley, Mid-Atlantic, and Southeast. In Indiana, Ohio, Illinois, Pennsylvania, Virginia, and Florida, BP stations are common and a driver can realistically fuel exclusively at BP for the year. In California, the Pacific Northwest, the Rockies, and the upper Plains, BP stations are sparse and a BP-exclusive fueling pattern is impractical.

The card's value is therefore geographic. In a BP-dense market, the 15 cents per gallon BP discount is a real anchor benefit. In a BP-sparse market, you spend most of your fueling at the 5 cents per gallon non-BP tier, where the card is structurally weak.

Pragmatic test: look at the BP station locator for your home zip code and your common route corridors. If there is a BP within 2 miles of your home and a BP on your commute, the card pays off. If you would need to make a special trip to a BP, the math does not work.

Stacking With Other BP Programs

BP offers a separate BPme Rewards loyalty program (free, app-based) that earns per-gallon discounts redeemable on future fills. BPme points stack with the credit card discount when both are applied at the same fill. A typical BPme redemption is 3 to 5 cents per gallon. Stacking 15 cents (card) plus 5 cents (BPme app points) on the same fill gives an effective 20 cents per gallon at BP, or about 5.7 percent at $3.50 per gallon.

The stack is the most-aggressive achievable discount at BP outside the 90-day intro period. For a household that fuels exclusively at BP and uses the BPme app, the combined return approaches what a 5 percent cash-back card delivers at typical prices, with no annual fee.

Frequently Asked Questions

Does the BP Rewards Visa work at all gas stations or only at BP?+

The card works at every gas station that accepts Visa, but the discount tier differs. At BP and Amoco stations (where co-branded), you receive the headline 15 cents per gallon off. At any other gas station (Shell, Exxon, Mobil, Chevron, Texaco, independents), you receive 5 cents per gallon off. The card is open-loop on the Visa network, which means it also works at restaurants, hotels, grocery stores, and everywhere else, just without the per-gallon discount applicable to non-fuel merchants.

What does 15 cents per gallon at BP actually save annualized?+

At $3.50 per gallon and a 12-gallon weekly fill, you save $1.80 per fill at BP, $7.20 per month, $86 per year if you fuel exclusively at BP. At $4.50 per gallon the same weekly fill saves $1.80 per fill (the discount is fixed in cents per gallon), $7.20 per month, $86 per year. The dollar savings are unchanged but the percentage effective rate falls as prices rise. A 5 percent cash-back card on $42 weekly fills would return $2.10 per fill, $109 per year, beating the BP card's in-network discount even at typical pump prices.

What is the 25 cents per gallon intro offer?+

New cardholders receive 25 cents per gallon off at BP for the first 90 days from card opening. At $3.50 per gallon this represents an effective 7.1 percent off; at $4.50 per gallon, 5.6 percent. The intro discount applies only at BP (not at non-BP stations) and only during the first 90 days. After the intro window the rate reverts to 15 cents per gallon. Heavy fueling during the intro window can extract meaningful one-time savings.

How does the BP Visa compare to the Shell Fuel Rewards Mastercard?+

Both are open-network oil-company cards on bank-card networks (Visa for BP, Mastercard for Shell). Shell's intro discount is steeper (30 cents per gallon for 12 months vs BP's 25 cents for 3 months). Shell's post-intro discount under Gold status is 10 cents per gallon (vs BP's 15 cents). For a year-one driver who fuels heavily at the issuer's network, Shell wins on intro period; for a year-two-onward driver who fuels at the issuer's network, BP wins on standing-rate discount. Network footprint matters: Shell has roughly 13,000 US stations vs BP's roughly 7,000 (BP's footprint is more concentrated in the Midwest, Mid-Atlantic, and Southeast).

Does the BP card include EV charging in the discount?+

BP has announced plans for branded EV charging via its bp pulse network, but as of 2026 the credit card discount does not extend to EV charging at bp pulse locations. EV charging at unrelated networks (Tesla Supercharger, Electrify America, EVgo) does not qualify either. The discount applies only at the credit-card-processor-recognized gas station MCC at participating BP-branded stations.

Is the card useful as a general-purpose card outside gas?+

Marginally. The card earns no rewards on non-fuel purchases beyond the standard 5 cents per gallon discount that applies only when redeemed at a future fill-up. There is no cash back, no points, and no merchant categories on non-gas spending. The Visa network means the card works as a payment method, but a flat 2 percent cash-back card (Citi Double Cash, Wells Fargo Active Cash) returns more than the BP card on any non-gas purchase.

What is the BP card APR?+

Per FNBO (First National Bank of Omaha) published terms, the BP Rewards Visa APR is in the high 20s for variable APR. This is meaningfully above the Federal Reserve G.19 average of roughly 22 percent for credit-card accounts assessed interest. Carrying any balance erases the per-gallon discount within weeks. The card is for transactors only; if you might revolve, the high APR is a structural cost that outweighs every cent of per-gallon savings.

Related on This Site

Shell Fuel Rewards Mastercard

Bigger US network footprint than BP.

ExxonMobil Smart Card+

Closed-loop alternative with 10 cents per gallon at Exxon/Mobil.

Shell vs Exxon vs BP

Direct comparison of the three.

Sunoco Rewards Credit Card

Smaller-network competitor.

Oil-Company Card APR and Acceptance

Why oil-company cards charge higher APR.

Citi Custom Cash

The 5 percent general-purpose gas card alternative.