How Does LendingTree Get Paid?
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How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
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Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).
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American Express Disclosure
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American Express Disclosure

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

BPme Rewards Visa Signature® Card Review: Is It Worth It?

Updated on:
Content was accurate at the time of publication.
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.
3.3
BPme Rewards Visa Signature® Card
Sign-Up Bonus
30¢ off per gallon on BP and Amoco fuel purchases in the first 60 days after account opening.
Rewards Rate
15¢ off per gallon on fuel purchases at participating BP and Amoco stations. Earn 5% cash back on non-fuel BP and Amoco purchases, 3% cash back on grocery store and dining purchases and 1% cash back on other purchases.
Annual Fee
$0 annual fee
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It was not reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.
Citi is an advertising partner.

Key Takeaway

For those who get fuel from BP or Amoco stations, or who want unlimited rewards on groceries and dining, the BPme Rewards Visa Signature® Card is a solid choice. However, it doesn’t make sense if you don’t have access to the gas stations where you can take advantage of the gas discount.

Pros and cons

  • One of the best fuel discounts you can find on a gas card
  • Unlimited 3% cash back on groceries and dining
  • No maximum spending limits to earn gas discount
  • $0 annual fee
  • Flexible rewards
  • Must live near a BP or Amoco gas station to receive the most benefit
  • High APR
  • Cannot earn elevated rewards with Apple Pay
  • Points expire on your fifth anniversary

Is the BPme Rewards Visa Signature® Card a good card?

For those who live near BP or Amoco gas stations, the BPme Rewards Visa Signature® Card is a good discount gas card that also offers unlimited elevated rewards on dining and groceries.

Anyone can join the BP Rewards program, which gives you a $0.05 discount on fuel. And with the BPme Rewards Visa Signature® Card, you get an additional $0.10 discount, for a total of $0.15 gas discount per gallon. During the first 60 days of card ownership, this rate doubles to $0.30 off per gallon. This is a great discount, and it’s more valuable than the cash back percentage that’s offered on similar gas credit cards.

How much can you save on gas? You can save $105 in your first year on 600 gallons of BP gas priced at $3.50 per gallon.
See average U.S. gas prices

Another feature of this card that adds to its value is its grocery and dining rewards — you’ll earn 3% cash back in these categories, and there’s no cap on the rewards you can earn. Many cards offer elevated rewards on groceries and restaurants, but put a cap on monthly or quarterly spending.

However, the card’s downsides include BP and Amoco’s availability (its stations aren’t found nationwide) and its high APR. Further, if you use the card in your mobile wallet, you won’t get the higher reward rate.

Note: There used to be a minimum threshold of $100 spent on fuel to maintain a higher level of rewards, but that requirement has been removed.

Not the right card for you? See the best gas credit cards.

Quick facts

  • Annual fee: $0
  • Intro purchase APR: N/A
  • Regular purchase APR: 31.99%
  • Intro balance transfer: N/A
  • Regular BT APR: 31.99%
  • Foreign transaction fee: 3%
  • Sign-up bonus: 30¢ off per gallon on BP and Amoco fuel purchases in the first 60 days after account opening.
  • Rewards: 15¢ off per gallon on fuel purchases at participating BP and Amoco stations. Earn 5% cash back on non-fuel BP and Amoco purchases, 3% cash back on grocery store and dining purchases and 1% cash back on other purchases.
  • Other benefits: $0 fraud protection

What we like about the BPme Rewards Visa Signature® Card

  • Sign-up bonus

    The card starts you off with 30¢ off per gallon on BP and Amoco fuel purchases in the first 60 days after account opening. That’s an additional 15 cents discount on top of the card’s ongoing 15 cents rebate.

    For a household that uses around 50 gallons of gas per month, this sign-up bonus is worth around $15 in addition to the card’s regular rebate. Of course, the value goes up with each additional driver you have, so a two-driver household would save around $30 during the first two months.

    While this isn’t as generous as the cards with the best sign-up bonuses, remember that not all credit cards offer sign-up bonuses.

  • Earn up to 15 cents off each gallon of gas, plus up to 5% cash back

    Even after the sign-up bonus ends, you’ll earn 15¢ off per gallon on fuel purchases at participating BP and Amoco stations. Earn 5% cash back on non-fuel BP and Amoco purchases, 3% cash back on grocery store and dining purchases and 1% cash back on other purchases.

    This is one of the best rebates you can find for a gas-discount card. In comparison, the Shell | Fuel Rewards® Mastercard® only offers a 10 cents discount on fuel, while the Exxon Mobil Smart Card+™ offers a discount of 10 to 12 cents.

    Not to mention, the 3% cash back on grocery store and dining purchases is an excellent rate, on par with some of the best dining credit cards and grocery store credit cards.

    Tip: To earn the full fuel discount, make sure not to use your BPme Rewards Visa Signature® Card with a mobile wallet, such as Apple Pay. You won’t receive the price reduction, and your purchase will only qualify for 1% rewards.
  • No maximum spend limits on elevated reward tiers

    The BPme Rewards Visa Signature® Card offers an unusual benefit that’s uncommon among tiered cash back credit cards — no cap on how much you can earn in the higher tiers.

    This is especially good for individuals or families that spend heavily on dining and groceries. For comparison, the Blue Cash Everyday® Card from American Express lets you earn 3% on U.S. gas and U.S. supermarket purchases, but only on the first $6,000 in spending per year (around $500 per month). While some cardholders may not reach this limit, others can easily reach the limit by midyear. With the BPme Rewards Visa Signature® Card, you’ll earn an unlimited 3% cash back on your grocery purchases.

  • Flexible rewards

    The BPme Rewards Visa Signature® Card makes it easy to take advantage of its fuel rebate — you’ll receive it on the spot when you make a fuel purchase at a qualifying gas station.

    You’ll also earn flexible points on your 5%, 3% and 1% purchases. Cardholders can redeem points for cash back, gift cards, merchandise, travel and other goods and services. You can redeem points for statement credits as soon as you accumulate $25 (2,500 points) worth.

    Rewards do expire after five years of their reward date, but they’re redeemed on a first-in, first-out basis. So as long as you’re regularly redeeming your points, you can feel pretty confident that they won’t expire.

What to look out for with the BPme Rewards Visa Signature® Card

  • Must live near a BP gas station to receive the fuel benefits

    Unfortunately, the fuel discount only applies at BP and Amoco fuel stations, which aren’t available in every city or region. If you’re in an area with varied gas options, or you travel by car and aren’t loyal to any one brand, consider a card that gives elevated rewards on all fuel purchases, like the Citi Custom Cash® Card. It’s not gas station-specific, so you can get cash back on every fuel purchase.

  • High APR

    This isn’t a card you’ll want to keep a balance on — the APR is 31.99%, and it doesn’t have any introductory rates for purchases or balance transfers.

    The Citi Custom Cash® Card, meanwhile, comes with a 15-month introductory APR on both purchases and balance transfers. And if you need a longer period of time, you can find both 0% APR credit cards and balance transfer credit cards with intro periods up to 21 months.

    See the average credit card interest rate.

  • Cannot earn elevated rewards with digital wallets

    This seems to be unique to the BPme Rewards Visa Signature® Card, and could be a drawback for those who prefer to add cards to their digital wallets for convenience. According to the card’s terms and conditions, when you use your BPme Rewards Visa Signature® Card via a digital wallet (like Apple Pay, Samsung Pay or Google Pay), you automatically receive a 1% cash back rate rather than the higher rate, when applicable.

    Many other cards, including the Citi Custom Cash® Card and Blue Cash Preferred® Card from American Express, can be added to your mobile wallet to use and earn rewards.

    Tip: Always read and understand a credit card’s terms and conditions, so you’re aware of the unique caveats that apply to spending, paying and earning rewards.

Should you get a cash back card for gas instead?

The price of gas in your area will largely determine whether the BPme Rewards Visa Signature® Card or a cash back credit card will be the better deal for you. For example, as the data in this table shows, the BPme Rewards Visa Signature® Card offers more savings for gas prices under $3 per gallon compared to a card with 5% cash back on gas. It also beats a 3% cash back card when gas prices are below $5 per gallon.

Gas discount vs. cash back card savings (15 gallons of gas)

15-cent/gallon discount on gas3% cash back on gas5% cash back on gas
$2 per gallon$2.25$0.90$1.50
$3 per gallon$2.25$1.35$2.25
$4 per gallon$2.25$1.80$3.00
$5 per gallon$2.25$2.25$3.75

BPme Rewards Visa Signature® Card vs. Citi Custom Cash® Card

| Disclosures
Citi Custom Cash® Card
Citi Custom Cash® Card
apply-now-icon Apply Now
on Citibank's secure site
Rates & Fees
0% intro APR for 15 months on Purchases
18.74% - 28.74% (Variable)
$0
Earn 5% cash back on purchases in your top eligible spend category
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash® Card account per person.
660 720 850
Good / Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


The Citi Custom Cash® Card is our top credit card for gas, since it offers both a generous sign-up bonus and 5% cash back on your first $500 in purchases in your top eligible spend category each billing cycle. Fuel and EV charging stations are one such category. So if you live in an area where gas prices are high, you can potentially get better savings with the Citi Custom Cash® Card than the BPme Rewards Visa Signature® Card. Plus, it doesn’t lock you into using a particular gas station brand.

Cardholders also enjoy a long intro APR on new purchases and balance transfers, along with a $0 annual fee.

BPme Rewards Visa Signature® Card vs. Blue Cash Preferred® Card from American Express

| Disclosures
Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express
apply-now-icon Apply Now
on American Express's secure site
Rates & Fees
| Terms Apply
0% on purchases for 12 months
18.74%-29.74% Variable
$0 intro annual fee for the first year, then $95.
Earn 6% Cash Back at U.S. supermarkets on up to $6,000 per
  • Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 18.74% - 29.74%.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations.
  • 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
  • Terms Apply.
660 720 850
Good / Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


For those who want a card with more robust benefits and a higher rewards rate (and don’t mind paying an annual fee), the Blue Cash Preferred® Card from American Express is worth considering. You’ll Earn 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. Terms apply. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

There’s an annual fee: $0 intro annual fee for the first year, then $95. (see rates & fees) But, it has a solid welcome offer and a variety of useful credits that can easily offset the cost of the annual fee.

BPme Rewards Visa Signature® Card vs. Citi Double Cash® Card

| Disclosures
Citi Double Cash® Card
Citi Double Cash® Card
apply-now-icon Apply Now
on Citibank's secure site
Rates & Fees
N/A
18.74% - 28.74% (Variable)
$0
Earn 2% on every purchase with unlimited 1% cash back when you
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
600 660 720 850
Fair / Good / Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


If you want a simple cash back rewards credit card, the Citi Double Cash® Card is a good option. Although it has a unique rewards structure — you earn 1% when you make a purchase and the other 1% when you pay it off — you essentially get a flat rate of 2% on everything you buy, which is higher than you’d get on some purchases with the BPme Rewards Visa Signature® Card.

The Citi Double Cash® Card also comes with a generous sign-up bonus and a balance transfer intro offer that’s one of the longest currently available.

Is the BPme Rewards Visa Signature® Card right for you?

The BPme Rewards Visa Signature® Card is a good option if you often buy fuel at BP and Amoco gas stations, or you want unlimited rewards on groceries and dining. At the same time, many gas stations, including BP, offer rewards programs that aren’t dependent on a credit card. So if you’re loyal to another brand, you may be able to save a few cents per gallon by joining their rewards program.

Still, because there’s no cap on the rewards you can earn from groceries and dining, this card could also be good for those who spend heavily in either or both categories.

But if you don’t want a card that’s tied to a particular gas station brand, consider a general gas card like the Citi Custom Cash® Card, which is currently our pick for best gas credit card.

Looking for a more flexible gas card?

To see rates & fees for American Express cards mentioned on this page, visit the links provided below:

The information related to the BPme Rewards Visa Signature® Card, Shell | Fuel Rewards® Mastercard® and Exxon Mobil Smart Card+™ has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.