BP Credit Card ReviewsReviews, rates, fees and rewards details for the BP Credit Card. Compare to other cards and apply online in seconds.John KiernanWalletHubNo membership feesHigh rewards rateBonus rewards categoriesNo initial rewards bonusNo intro APR on purchasesNo intro APR on balance transfersForeign fee
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Gas Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
BP Credit Card has a rating of 3.6/5 according to our proprietary credit card rating system. This rating reflects how appealing BP Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Earn Gas Rewards'. To break it down further, BP Credit Card earned a score of 3.8/5 for Fees, 3.4/5 for Rewards, 4.4/5 for Cost, and 2.4/5 for User Reviews. Info about the BP Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
2.4/5
397 reviewsRead and write reviews
Editor’s Review
2.7/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
3.8
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Gas Rewards” for this card.
Fees
3.8
Rewards
3.4
Cost
4.4
Other Features
0.0
3.8/5
Compared against 1,500+ credit cards
KEY TERMS
Credit Score
Credit Score
Excellent Credit, Good Credit
Annual Fee
$0
APR on Purchases
32.99% (V)
Balance Transfer
APR: 32.99% (V)
Balance Transfer Fee:5% (min $10)
Rewards
Save 50¢ per gallon at BP and Amoco stations for the first 60 days after account opening, 15¢ per gallon thereafter.
Earn 5% cash back (5 points per $1) on non-fuel purchases at BP and Amoco, 3% cash back (3 points per $1) on groceries, dining and food delivery purchases, and 1% cash back (1 point per $1) on all other qualifying purchases.
Redeem points for cash back, account statement credit, gift cards from major retailers, travel experiences and more.
There is no limit on the number of points that can be earned. Points expire after the fifth anniversary of when they were awarded.
Modest initial bonus. During the first 60 days after account opening, you get a discount of $0.50 per gallon the next time you fill up at a BP station. That might sound good, but it actually provides a pretty poor rate of return. Let’s say a gallon of gas costs $3.14 and your car holds 20 gallons (the limit for the discount). That means you’d save $10 for every $63 spent, which translates to just 15.87% cash back. The best gas credit cards give you 5% back without dictating the type of station you have to use.
Decent ongoing gas rewards. On an ongoing basis, the BP Credit Card rewards you with a $0.15/gallon discount at BP. You also get 5% back on non-fuel purchases at bp and Amoco, 3% back on groceries and dining purchases, as well as 1% back on everything else. The top-end earning rate is solid for BP loyalists, but nothing about this offer warrants committing if you haven’t already.
Terrible for carrying a balance. Carrying a balance from month to month with the BP Visa Credit Card means dramatically overpaying on interest. After all, you need good or excellent credit to get the BP Visa, which has a high APR, and the average credit cards for people with good and excellent credit charge 23.9% and 17.67%, respectively, according to WalletHub’s latest Credit Card Landscape Report.
No annual fee, but there’s a good-credit price tag. While the BP Gas Credit Card’s lack of an annual fee saves you about $25.22 per year compared to the average credit card, it doesn’t distinguish the BP Visa from most comparable gas rewards cards. And though its rewards don’t really qualify for the category, the BP Visa Card is similar to the market’s best credit cards in the sense that you need good or excellent credit to get it. So make sure to check your credit score for free on WalletHub and weigh your other options carefully before submitting an application.
Note: This review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Gas Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
2.7
User Reviews
2.4
Market Comparison
3.8
fees: 3.8
rewards: 3.4
cost: 4.4
Other Features: 0.0
4.0WalletHub Rating
WalletHub Rating
4.0
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.6
User Reviews
3.9
Market Comparison
4.0
fees: 2.9
rewards: 3.8
cost: 4.7
Other Features: 0.0
4.1WalletHub Rating
WalletHub Rating
4.1
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.2
User Reviews
3.6
Market Comparison
4.2
fees: 4.3
rewards: 5.0
cost: 4.3
APR: 3.8
(397)
(455)
(2,935)
annual fee$0
annual fee$95
annual fee$0
rewards rate 1 - 5 points / $1
rewards rate 1 - 10 points / $1
rewards rate 1 - 3% Cash Back
bonus offerNone
bonus offer 60,000 points
bonus offer $200
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Purchase Intro APR0% for 15 months
transfer intro aprNot Offered
transfer intro aprNot Offered
transfer intro apr0% for 15 months|Transfer Fee:3% (min $5)
Can't find what you are looking for? Submit your question about BP Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
You can make BP Credit Card payment online, by phone, through the First National Bank of Omaha mobile app, or by mail. To pay your BP Credit Card bill online, log in to your online account and click on “Payments and Transfers.” Then, choose how much to pay, when to pay it, and where the payment is coming from. First National Bank of Omaha does allow cardholders to set up automatic payments, too.
Ways to Make BP Credit Card Payment
Online: Log in to your online account and click on “Payments and Transfers.”
By phone: Call (888) 397-1520 and enter your card information when prompted, then follow the prompts to make a credit card payment.
Through the mobile app: Log in to your account and select your card, then tap “Payments and Transfers.”
By mail: Send a check or money order (but not cash) to
Bankcard Payment Processing PO Box 2557 Omaha, NE 68103-2557.
Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.
In conclusion, there are multiple ways to make a BP Credit Card payment, so just choose whichever method is easiest for you. The important part is to not miss payments, as that can seriously damage your credit score.
The only way to apply for the BP Credit Card is online, and you can get to the online application by clicking the “Learn More” button on WalletHub or by going directly to FNBO's website.
Keep in mind that the BP Credit Card requires good credit, which means you need a 700+ credit score for high approval odds. . Also note that applying for the card triggers a hard inquiry, which may temporarily hurt your credit score. So, it's...
You cannot apply for the BP Gas Card right now, because applications for the card are no longer open at this point in time. The BP Gas Card has been unavailable to new applicants. However, there are other cards available from FNBO that you can apply for .
Similar Cards to the BP Gas Card You Can Apply For
You cannot check for BP Credit Card pre-approval. First National Bank of Omaha does not offer pre-approval through its website, so anyone interested in applying for the BP Credit Card will have to do so without the benefit of checking for pre-approval beforehand.
You can, however, use WalletHub's CardAdvisor tool instead and learn how easy it is to find the right credit card for you. Just answer a few general questions, and CardAdvisor will recommend some credit card...
The BP Credit Card rewards are 50¢ off per gallon for the first 60 days at BP and Amoco stations, 15¢ off per gallon thereafter, plus 5 points per $1 spent on non-fuel purchases at BP and Amoco, 3 points per $1 spent on groceries, dining and food delivery purchases, and 1 point per $1 spent on all other purchases. This card is on the Visa network and can be used anywhere Visa is accepted.
Here are the BP Credit Card rewards:
Save 50¢ per gallon at BP and Amoco stations for the first 60 days after account opening, 15¢ per gallon thereafter.
Earn 5% cash back (5 points per $1) on non-fuel purchases at BP and Amoco, 3% cash back (3 points per $1) on groceries, dining and food delivery purchases, and 1% cash back (1 point per $1) on all other qualifying purchases.
Redeem points for cash back, account statement credit, gift cards from major retailers, travel experiences and more.
There is no limit on the number of points that can be earned. Points expire after the fifth anniversary of when they were awarded.
It is worth noting that cash back rewards are applied to your BP Credit Card account after 1 or 2 billing cycles from the moment they were earned. Interest rates and fees do not earn cash back. Cash back rewards are forfeited if your account is closed for any reason.
You can get a BP Credit Card cash advance at an ATM. But you'll need a BP Credit Card PIN for that. If you don't have one, you can make a request over the phone at (888) 295-5540. You may also get a cash advance at a local bank without a PIN.
BP Credit Card Cash Advance Details
How to get a cash advance. You can get a cash advance at an ATM, but for this you'll need...
Keep in mind that if you use your card abroad, or for shopping online through international merchants, you'll be charged a foreign transaction fee of 3%.
Bankcard Payment Processing PO Box 2557 Omaha, NE 68103-2557
When paying BP Credit Card bills by mail, be sure to submit either a check or money order for the payment amount. First National Bank of Omaha does not accept cash.
Tips For Mailing BP Credit Card Payments
Include your credit card number on your payment to avoid any processing delays.
The BP Credit Card credit limit is usually around $1,500 to start, according to forum posts, and some cardholders report limits as high as $4,350. First National Bank of Omaha does not include any specific BP Credit Card credit limit information in the card's terms, though.
For the most part, BP Credit Card credit limits depend on each applicant's overall creditworthiness. Those with the highest income and best credit scores will generally be offered the highest starting credit limits.
Share your insights and review for the BP Credit Card
5
9%
4
10%
3
19%
2
41%
1
21%
2.4
397 reviews
397 reviews
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Nickiedwards1008 @Nickiedwards1008
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1 Star Rating
Half the time, the discount didn't work and station attendants usually couldn't help. Now, for the last several months, they keep reducing my limit. I've never been late and always pay more than is due. Each time I get a good percentage of credit available, they reduce it to only a couple hundred available. I'm going to pay it off next week and never use it again. They have lost a customer.
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First National Bank of Omaha @FNBO
We're sorry to hear you're not satisfied with our services, and appreciate you taking the time to voice your concerns. We have shared them appropriately to help improve our services in the future. If you are not receiving your discount for using your BPme Rewards Visa card at a BP station, we will issue a statement credit within 10 business days of the transaction posting to the account. If the decision is made to lower an account's credit limit, a letter is mailed that explains the factors that led to the decision. If you have any additional concerns, have not received this letter, or have not received the statement credit for your fuel discount, you can call us at 888-530-3626, or submit a secure message from our website, and we will be happy to help.
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0
vfwmannysalas @vfwmannysalas
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1 Star Rating
I use the app to pay bills. The app said no payment was due until next month. I always pay in full. I was declined, and my credit limit was decreased even though my card is paid in full every month. I will be closing my account.
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First National Bank of Omaha @FNBO
We appreciate you taking the time to voice your concerns, and have made sure to share them appropriately. To look into this further, and see what options may be available, you can call us at 888-530-3626, or submit a secure message after logging into our website, and our Specialists will be happy to help.
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loganlizard @loganlizard
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1 Star Rating
This card is terrible. High-pressure salespeople call constantly to push me to use my card, or it will be canceled when I don't even need fuel. I was locked out of my online account before I finished setting it up. They emailed me blank invoices, so I had no information or means of paying them. They charged me fee after fee. Waiting on hold for a long time to speak with customer service just to be transferred. I spent more on fees than on fuel and never received any rewards. I would be better off with a regular credit card.
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SHANE P @hhambrick8
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1 Star Rating
Verified Customer
Do not get this card. Originally approved for a $3,800 credit limit, six months later my limit was cut by almost half. They sent me an email saying, "This new limit went into effect yesterday, and we will mail you our reasoning behind this decision." Apparently, if you start using their card too much, you become a credit risk.
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Rich B @richb_6
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1 Star Rating
Verified Customer
WORST Bank EVER!! BP needs to dump FNBO and partner with a good bank. Terrible customer service, outrageous fees and they will lock your card for stupid stuff!!
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pittsburgh0535 @pittsburgh0535
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1 Star Rating
BE WARNED biggest scam credit card company I ever used. They charged me a late fee of $75 and didn’t tell me. Then charged me another $75 late fee for not paying the original late fee that I didn’t know about. Purposely didn’t send a statement that month so I wouldn’t know. There website is outdated and never lets you log in. Then charge you $15 to pay your bill by phone. I’m pretty sure this whole company is one big scam. Avoid at all cost.
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First National Bank of Omaha @FNBO
We appreciate you taking the time to bring your concerns to our attention, and would like to take the time to address some of them. Unless a customer has enrolled in eStatements, we will mail a statement to the address on file on the statement closing date each month. If you are not receiving your statements, you can give us a call at the number below to verify you are not enrolled in eStatements, and that mail is not being returned. For the BPme Rewards Visa Credit card, the late fee may be up to $40. Additional information about how late fees are calculated and assessed can be found in your Cardmember Agreement. At this time, FNBO does not charge a fee to make payments, whether this is by phone, website, or other method. To help with the issues you are experiencing getting into your account, and to see what options we may have regarding any late fees that may have billed, you can always give us a call at 888-530-3626.
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Elizabeth @libbatodd
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5 Star Rating
Verified Customer
I have had this account for many years and they allow to use it for more than just gas. I have had no problems at all with this card.
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Judith @jandhbarton
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5 Star Rating
Verified Customer
This was a great card. It was in my husbands name and he died of Covid in 2020. I was not allowed to switch it to my name. I used it for everything including the checks that were sent to me to get some money . Used it on trips, for groceries and for gas. Used it online for orders and it was a dependable card.
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0
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Dan @danc_23
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1 Star Rating
Verified Customer
Seems this card is not as secure as others. My card has been breached 3 times in the last few months , thinking I should close this account?
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1
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Paul Gutmann @PDG3311
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5 Star Rating
Verified Customer
BP Oil is excellent - Great Service - Very Clean Gas Stations - employees or owners reflects BP Oil is the right place to be at and use BP products. Yes the Coffee is the best of all other Gas Stations that has Coffee.
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