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.

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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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).

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

American Express Disclosure

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

BPme Rewards Visa Signature® Card Review

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.

Our take: The BPme Rewards Visa Signature® Card is a solid card for frequent drivers and big grocery spenders with convenient access to BP and Amoco stations.

Is the BPme Rewards Visa Signature® Card worth it?

For frequent drivers and big households that rely on grocery shopping, the BPme Rewards Visa Signature® Card is worth it. Unlike many cashback cards, the BPme Rewards Visa Signature® Card does not put a maximum spending threshold to earn its 3% cash back on groceries and 15 cents off per gallon, with the potential to earn 25 cents off per gallon in the first 30 days.

On the downside, the BPme Rewards Visa Signature® Card limits you to BP and Amoco gas stations to earn the cents off per gallon discount; otherwise, you earn 1% on all purchases. You also have a high APR of 31.99%, with no introductory rate.

Quick facts

    • Introductory offer: Earn 30¢ off per gallon on bp and Amoco fuel purchases in the first 60 days after account opening
    • Use your card anywhere Visa is accepted
    • No annual fee
    • Visa benefits, including roadside dispatch and zero liability
  • Recommended Credit
    Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
  • Sign-up bonus: 30¢ off per gallon on bp and Amoco fuel purchases in the first 60 days after account opening. After which, you’ll get 10 cents off a gallon.
  • Earning 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
  • Other benefits: $0 fraud liability

Intro Purchase APR

N/A

Regular Purchase APR

31.99%

Intro BT APR

N/A

Regular BT APR

31.99%

Annual Fee

$0

Cash Advance Fee

Either $15 or 5% of the amount of each cash advance, whichever is greaterter

Foreign Transaction Fee

3%

Balance Transfer Fee

Either $10 or 5% of the amount of each transfer, whichever is greater

Pros and cons

  • No gallon restrictions or purchase limits
    to earn cents off per gallon discount
  • No spending limits to earn 3% cash back
    on groceries
  • $0 annual fee
  • $0 fraud liability
  • Need to have BP and Amoco gas stations conveniently near you
  • High APR of 31.99%
  • Requires you to spend at least $100 per month on fuel to get full cents off per gallon discount
  • Cannot get all rewards using ApplePay

Earn 25 cents off per gallon for the first 30 days

The BPme Rewards Visa Signature® Card has a 30¢ off per gallon on bp and Amoco fuel purchases in the first 60 days after account opening. After, you’ll get 10 cents off a gallon.

The average cost of gas is $3.40 per gallon or $40.80 to fill a 12-gallon tank. So, this offer could allow you to fill a 12-gallon tank for $37.80.

To be eligible for this offer, you must make gas purchases at participating BP and Amoco locations, which you can find on their station finder tool online or on the BPme app.

Get an additional 5 cents off by using the BPme app

In addition to the 25 cent discount, you can earn another 5¢ by purchasing fuel using the BPme app. To get the 5-cent discount, you need to spend at least $100 per month on fuel at participating BP and Amoco stations. This deal is permanent, so even after 30 days you can earn an additional 5¢ off fuel in combination with other discount deals.

Earn up to 15 cents off per gallon at BP or Amoco stations

The BPme Rewards Visa Signature® Card offers a solid ongoing discount on BP gas, plus decent rewards on groceries.

After the introductory offer, you will still 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.

Be careful how you use your card at the pump

If you use your BPme Rewards Visa Signature® Card with ApplePay, you will lose out on the fuel discount. Instead, you’ll receive 1% cash back on those fuel purchases.

By our estimates, you can earn an average 1.5 cents per dollar spent on this card. While it doesn’t stack too well against other cashback rewards cards, the BP via stands out in offering twice as much value for every dollar spent on groceries and 15 cents off per gallon on gas, with no maximum spending limitations.

Redeeming discounts and cash back

The BPme Rewards Visa Signature® Card rewards are pretty simple to redeem, but cash back rewards take longer than the cents off per gallon. The cents off per gallon rewards are automatically taken at the pump of participating BP and Amoco gas stations. Make sure to use the BPme app to earn the 5-cent discount.

Meanwhile, the cash back rewards earned will be applied to your card account as statement credit within two billing cycles.

Other benefits

Aside from cents off per gallon and cash back rewards, the BPme Rewards Visa Signature® Card offers a few other benefits:

If your card is lost or stolen, you won’t be responsible for any unauthorized charges.

The BPme Rewards Visa Signature® Card has $0 annual fee. The average annual credit card fee is $147, so this perk could help you save money.

Drawbacks

  • Gas station limitations: To maximize the cents off per gallon discount, you need to have BP and Amoco gas stations conveniently near you.
  • High APR: The APR on the BPme Rewards Visa Signature® Card is 31.99%. The average APR on new cards is 23.02%, so BPme Rewards Visa Signature® Card APR is significantly higher.
  • Minimum fuel spending threshold: To earn the additional 5 cents off per gallon of fuel, you need to spend at least $100 on fuel per month. That could mean re-filling a 12-gallon tank at least three times each month to earn this reward.
  • ApplePay disqualifies discount: You cannot get the cents off discount per gallon using ApplePay at the gas station. Instead, you would receive 1% cash back.

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
19.24%-29.99% 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 19.24% - 29.99%.
  • 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.


 
The Blue Cash Preferred® Card from American Express has a higher overall earnings rate than the BPme Rewards Visa Signature® Card with twice as much cash back at U.S. supermarkets. You 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. The cash back you earn is easily redeemable for statement credits or at Amazon.com checkout.

You also can qualify for a generous welcome offer. The main drawback is the annual fee: You get a $0 intro annual fee for the first year, then $95.

*To see rates & fees for Blue Cash Preferred® Card from American Express, please click here.

BPme Rewards Visa Signature® Card vs. Chase Freedom Flex℠

| Disclosures
Chase Freedom Flex℠*
Chase Freedom Flex℠
0% intro APR on purchases for 15 months
20.49% - 29.24% variable
$0
5% cash back on up to $1,500 in combined purchases in bonus
  • Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
660 720 850
Good / Excellent
*The information related to the Chase Freedom Flex℠ has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply

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 Chase Freedom Flex℠ is a great option if you want to maximize different spending categories. It offers a much higher rate of cash back than the BPme Rewards Visa Signature® Card through generous spending categories.

You can earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter. Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases. You can also get a much larger welcome bonus than the BPme Rewards Visa Signature® Card.

Like the BPme Rewards Visa Signature® Card, the Chase Freedom Flex℠ has a $0 annual fee, but stands out with additional benefits, including an introductory APR. Some drawbacks include the spending limits to earn the 5% and the strict 5/24 rule that Chase implements to qualify for the card.

BPme Rewards Visa Signature® Card vs. PNC Cash Rewards® Visa® Credit Card

| Disclosures
PNC Cash Rewards® Visa® Credit Card*
PNC Cash Rewards® Visa® Credit Card
N/A
19.24% to 30.24% Variable
$0
Earn 2% on grocery store purchases, 3% on dining purchases at restaurants
  • $200 after you make $1,000 or more in purchases during the first three billing cycles
  • You’ll earn at least 1% cash back on purchases everywhere, every time. Earn 2% on grocery store purchases, 3% on dining purchases at restaurants and 4% on gas station purchases for the first $8,000 in combined purchases in these categories annually.
  • Cash back is automatic – there’s no need to enroll or track rotating categories
  • 0% intro APR on balance transfers for the first 12 billing cycles following account opening when the balance is transferred within the first 90 days following account opening. Then a variable APR, currently 19.24% to 30.24% Variable based on credit worthiness.
  • No annual fee.
N/A
*The information related to the PNC Cash Rewards® Visa® Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply

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 PNC Cash Rewards® Visa® Credit Card is a solid option if you want to earn a high cash back rate on gas without gas station limitation. The PNC Cash Rewards® Visa® Credit Card lets you Earn 2% on grocery store purchases, 3% on dining purchases at restaurants and 4% on gas station purchases for the first $8,000 in combined purchases in these categories annually. 1% cash back on purchases everywhere, every time.

The $0 annual fee and introductory APR on balance transfers can help maximize your savings potential. The main drawback is that the cash back rewards have a $8,000 combined purchase threshold before reducing to 1%. So this card may not be ideal for big spenders.

Should you apply for the BPme Rewards Visa Signature® Card?

The BPme Rewards Visa Signature® Card is a good choice for frequent drivers with convenient access to BP or Amoco stations and big grocery spenders. While it does not have as high of an earning rate as other cards, the BPme Rewards Visa Signature® Card has no spending thresholds that would reduce the earnings rate, so you can enjoy 3% cash back on groceries no matter how much you spend per year.

However, there are alternatives if you are looking to earn cash back on different spending categories or want more gas purchase rewards that are not limited to certain stations.

Frequently asked questions

No. You can also earn 3% on grocery purchases and 1% on everything else.

Synchrony issues the BPme Rewards Visa Signature® Card.

Your billing statement will provide instructions on how to pay your BPme Rewards Visa Signature® Card.

It depends. If you are conveniently near BP and Amoco stations and are a big spender on groceries, then the BPme Rewards Visa Signature® Card is worth it.

No, there is $0 annual fee.

Yes, you can use your BPme Rewards Visa Signature® Card at Amoco stations to get the cents off per gallon discount.

*To see rates & fees for Blue Cash Preferred® Card from American Express, please click here.The information related to Capital One Savor Cash Rewards Credit Card, PNC Cash Rewards® Visa® Credit Card and Chase Freedom Flex℠ has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

The information related to the BPme Rewards Visa Signature® Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.