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Citi Shell Fuel Rewards Gas (store) Card Approved for $800!

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Citi Shell Fuel Rewards Gas (store) Card Approved for $800!

I was hoping for the MasterCard version, but hey, I'll get what I get and be grateful! I am also pleasantly surprised about the $800 limit (which is good for someone like me!).

 

Shell-Approved-MyFICO.jpg

I use too much gas these days and Shell's 10 cents off a gallon seems tempting. Gas prices are not too high here so that 10 cents can end as high as 4-6%. Still, I know there are better options, but eh, I'm happy, especially with the highish limit (for my standards) which will help my overall utilization. Interest is high, but I don't plan on carrying a balance.

 

DATA POINTS:

They pulled Experian, FICO 8, score of 667.

High util (70%, gradually going down, is from some closed CCs that I am paying off from a low-interest payment plan)

A 10-month-old 90 day late

low income ($23K)

Long credit history, long AAoA

 

This is a card that I will actually use. As I said, I was hoping for a Mastercard but this will still be okay. I'm just glad it was approved!

 

I am closing my Green Dot secured card shortly and hope to apply for a Navy Federal AMEX soon (for the 3% off gas and groceries).

FICO8: Nov 20, 2018:
FICO8: Nov 4, 2019:
Goal for December 2019: FICO 640-700
Overstock Store Card, $2,250Walmart Store Card, $500 limitDiscover IT Cash Back, $2000Navy Fed cashRewards, $1000Shell Citi store card, $800Navy More Rewards, $17,000RIP Green Dot Platinum
Overstock $2,250, Walmart $500, Discover IT Cash Back $2000, Navy Fed cashRewards $1000, Shell (Citi) Fuel Rewards, $800, Navy More Rewards, $17,000, (Green Dot Platinum Secured, $200, to be cancelled.)

Starting Score: 539
Current Score: 665
Goal Score: 760


Take the myFICO Fitness Challenge   |   My credit recovery journal

11 REPLIES 11
Moderator

Re: Citi Shell Fuel Rewards Gas (store) Card Approved for $800!

Grats on the card. At less than 2 a gallon its a better card to have than one at 5% rebate for gas.

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

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Message 2 of 12
Established Contributor

Re: Citi Shell Fuel Rewards Gas (store) Card Approved for $800!

Sounds good, as long as it suits your needs. I have the Shell Fuel Rewards card, which is not a payment/credit card, just a loyalty card that gives a 5-cent/gallon discount. Congrats!

 

Edited to add: I originally thinko'd it as a 5% discount ... it's a 5-CENT discount!



FICO 8 scores are deceptively high. My profile is very young with a lot of recently opened accounts and large number of inquiries. No derogs. Over 5/24 until summer 2021.

Authorized user / Corporate

Closed but still on reports: ExxonMobil, $950, 10/08-02/11 (Equifax only) | Citi secured, $200, 045/19-09/19 | Capital One secured, $300, 04/19-08/19 | My Jewelers Club, $5,000, 05/19-08/19 | Green Dot Primor, $300, 05/19-08/19 | Unsecured personal loan from Coastal, $1,000, 05/19-08/19.

Goal cards: Ducks Unlimited, Chase Sapphire Reserve (or Preferred, haven't decided). Increased CLs across the board.
Long-term goal: Legitimate 770s on EX/EQ/TU, able to qualify for most normal credit products. Prime-rate mortgage.
Message 3 of 12
Frequent Contributor

Re: Citi Shell Fuel Rewards Gas (store) Card Approved for $800!


@gdale6 wrote:

Grats on the card. At less than 2 a gallon its a better card to have than one at 5% rebate for gas.


Thanks!

 

I did some math and yes, at $2 a gallon or less it's pretty good. I am on an existing Shell Rewards program where I get 5 cents off already. It looks like it would be about the same to use this card as it would be to use a 3% off gas card with the 5 cents off Shell rewards program. (I don't think I can qualify for any 5% off gas cards right now.) So I'm not losing out by using it and I get the $800 added credit limit (which means a lot to me!).

FICO8: Nov 20, 2018:
FICO8: Nov 4, 2019:
Goal for December 2019: FICO 640-700
Overstock Store Card, $2,250Walmart Store Card, $500 limitDiscover IT Cash Back, $2000Navy Fed cashRewards, $1000Shell Citi store card, $800Navy More Rewards, $17,000RIP Green Dot Platinum
Overstock $2,250, Walmart $500, Discover IT Cash Back $2000, Navy Fed cashRewards $1000, Shell (Citi) Fuel Rewards, $800, Navy More Rewards, $17,000, (Green Dot Platinum Secured, $200, to be cancelled.)

Starting Score: 539
Current Score: 665
Goal Score: 760


Take the myFICO Fitness Challenge   |   My credit recovery journal

Message 4 of 12
Frequent Contributor

Re: Citi Shell Fuel Rewards Gas (store) Card Approved for $800!


@KJinNC wrote:

Sounds good, as long as it suits your needs. I have the Shell Fuel Rewards card, which is not a payment/credit card, just a loyalty card that gives a 5% discount. Congrats!


Thanks. I have that Rewards card too. I would have preferred the MC but beggars can't be choosers! I'll definitely be using the card, that's for sure!

FICO8: Nov 20, 2018:
FICO8: Nov 4, 2019:
Goal for December 2019: FICO 640-700
Overstock Store Card, $2,250Walmart Store Card, $500 limitDiscover IT Cash Back, $2000Navy Fed cashRewards, $1000Shell Citi store card, $800Navy More Rewards, $17,000RIP Green Dot Platinum
Overstock $2,250, Walmart $500, Discover IT Cash Back $2000, Navy Fed cashRewards $1000, Shell (Citi) Fuel Rewards, $800, Navy More Rewards, $17,000, (Green Dot Platinum Secured, $200, to be cancelled.)

Starting Score: 539
Current Score: 665
Goal Score: 760


Take the myFICO Fitness Challenge   |   My credit recovery journal

Message 5 of 12
Senior Contributor

Re: Citi Shell Fuel Rewards Gas (store) Card Approved for $800!

 

"Citi Shell Fuel Rewards Gas (store) Card Approved for $800!"

 

 

Message 6 of 12
Established Contributor

Re: Citi Shell Fuel Rewards Gas (store) Card Approved for $800!

I just realized I said the loyalty card gives a 5% discount - it's a 5-cent/gallon discount - just so nobody reads this and gets overexcited Smiley Happy



FICO 8 scores are deceptively high. My profile is very young with a lot of recently opened accounts and large number of inquiries. No derogs. Over 5/24 until summer 2021.

Authorized user / Corporate

Closed but still on reports: ExxonMobil, $950, 10/08-02/11 (Equifax only) | Citi secured, $200, 045/19-09/19 | Capital One secured, $300, 04/19-08/19 | My Jewelers Club, $5,000, 05/19-08/19 | Green Dot Primor, $300, 05/19-08/19 | Unsecured personal loan from Coastal, $1,000, 05/19-08/19.

Goal cards: Ducks Unlimited, Chase Sapphire Reserve (or Preferred, haven't decided). Increased CLs across the board.
Long-term goal: Legitimate 770s on EX/EQ/TU, able to qualify for most normal credit products. Prime-rate mortgage.
Message 7 of 12
Senior Contributor

Re: Citi Shell Fuel Rewards Gas (store) Card Approved for $800!


@KJinNC wrote:

Sounds good, as long as it suits your needs. I have the Shell Fuel Rewards card, which is not a payment/credit card, just a loyalty card that gives a 5-cent/gallon discount. Congrats!

 

Edited to add: I originally thinko'd it as a 5% discount ... it's a 5-CENT discount!


I just got $0.30 cents off a gallon last night, with a Citi Shell MCSmiley Happy (FR Gold Status)

 

 

 

 

Message 8 of 12
Community Leader
Super Contributor

Re: Citi Shell Fuel Rewards Gas (store) Card Approved for $800!

Most excellentSmiley Happy
#ChaseCreditCardHobby Enthusiast
2022
!
Message 9 of 12
Valued Contributor

Re: Citi Shell Fuel Rewards Gas (store) Card Approved for $800!

I have the regular fuel rewards card for 5 cents off per gallon but I know during college football season and on Tuesdays only, this goes to 10 cents off per gallon.  I wonder if it is just a local thing or others have this offer.

 FICO 8
Message 10 of 12
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