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Citi Shell MasterCard -- why not?

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Valued Contributor

Re: Citi Shell MasterCard -- why not?

FNBO is a finicky lender. The app's section is littered with bodies.

Shell is one of if not the most expensive gas. Just avoiding Shell period is worth 10 cents a gallon. Stack that with any cash back card and call it done. Right now in my Gas Buddy app the nearest Shell station is 13 cents more than the competition. And if you get gas at a place like Costco, Sam's, Safeway, Kroger its no contest 

Message 21 of 26
Established Contributor

Re: Citi Shell MasterCard -- why not?

In my area, Shell is usually the cheapest or tied for cheapest, among the standard gas stations, before discounts. That will simply vary by area. It is true that a Costco, Sam's Club etc will usually be cheaper despite whatever cards you use at Shell, but sometimes, it's not worth the drive. Say your final price at Shell is $2.33 after discount/card rewards and the price at Sam's is $2.29 (realistic numbers in my area). That's 4 cents per gallon savings if you go to Sam's, which is about 20 miles each way. My Jeep gets about 20mpg, so I'd burn about two gallons on the round trip. Two gallons costs roughly $4.60, which means I'd need to buy 115 gallons per trip (obviously impossible) to break even, strictly based on what I am spending on gas (this doesn't take into account my time driving back and forth, or the miles on my vehicle). Long story short, it rarely makes sense to drive any significant distance for a lower price, if that is the only reason you're going. I fill up every time I shop at Sam's, or happen to be near one, but otherwise, mostly stop at Shell for 5 cents + 3%.


The reason Shell comes up in threads like this is that Shell is among the few (maybe the only major brand) with a simple 5-cent rewards card. The others (BP, Exxon etc) tend to involve another kind of points to track and redeem.

FICO 8 scores are deceptively high. My profile is young with a lot of new accounts and even more inquiries from 2019. The Barclay AU card is not on TransUnion; and, Equifax has some old positive accounts from 2011 that are not on the other two. That is the reason for the variation in scores. No derogs. Over 5/24 until fall 2021.

Authorized user / Corporate / Auto loan

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 | Self Lender secured $500 loan, 04/19-01/20 | Unsecured personal loan from Coastal, $1,000, 06/19-08/19.

Goals: Late 2020 - Ducks Unlimited card; scores in high 700s with inquiries aging. Long-term goal - Prime rate mortgage; able to qualify for most standard credit products.
Message 22 of 26
Frequent Contributor

Re: Citi Shell MasterCard -- why not?

Ive been using the Ducks Unlimited 5%.  In CA the gas is pretty expensive so its been very useful. 

Citi AAdvantage WE - 41k | Marriott Bonvoy Brilliance - 29k | Citi Double Cash - 19 .5k | Southwest Premier - 39k | Discover Miles - 23k | GECRB Ebates Visa - 10k | Golden1 Rewards - $10k | Ducks Unlimited - 6k |
Message 23 of 26
Valued Contributor

Re: Citi Shell MasterCard -- why not?

The free Shell Fuel Rewards program combined with any 3% or better card works great. If gas goes under $2/gal the card may make sense. I received a mailer for the MC and almost jumped at it until I researched it here. Basically the mailer stated you could get up to 35c/gal by using the card within arious categories. These just happened to be the categories that earn the best on other cards.


If gas does get below $2/gal I will pull the trigger.


"I thought credit was over in 2008. Never underestimate the ability of central bankers to blow a bubble." - Me
“If you don’t know, the thing to do is not to get scared, but to learn.” – Ayn Rand
Message 24 of 26
Regular Contributor

Re: Citi Shell MasterCard -- why not?

The Shell card would be somewhat useful for those non-category months for gas. For me, I won't be using it for April-June since Discover will have 5% off gas during that 2nd quarter. Can't pass up a good 5% cash back on something like that. 

FICO 8 Scores 12/2017: EX-596; TU-604; EQ-591
Current: EX-648; TU-665; EQ-678
AAoA: 4.4 yrs
Message 25 of 26
New Contributor

Re: Citi Shell MasterCard -- why not?

My shell card isn't bad since I got 30 cents until February and even got 50 cents off to go below $2.
Starting Score:=11-20-18 EQ: 640 TU: 492 EX: 621
Current Score:=08-01-19 EQ: 643 TU: 660 EX: 663
Goal Score:=750
|| Home credit Visa $2.5K || Meineke Car Care $1K || NFCU Cash Rewards $15K || NFCU Amex More Rewards $2K || Merrick DYL $700 || OLLO Rewards $300||Raymour & Flamigan $3.5k|| Shell Store Gas Card $400
Message 26 of 26
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