What's the difference between a gas credit card and a co-branded credit card of a particular gas station?

Answered on February 18, 2018
Updated on February 18, 2018
The content is accurate at the time of publication and is subject to change.
Amy Miller Amy Miller
A co-branded card means is that the credit card is issued by a financial institution in partnership with a particular merchant. This could be a department store, an airline, a hotel chain, or a fuel company. The highlight of co-branded cards is that they come with special discounts and features for the customers of a certain brand. If you have a co-branded credit card, you will earn rewards when you use it at the merchant or retailer that issued it. You can also use it to make purchases anywhere, in most cases, but the biggest rewards will be reserved for the brand that is on the card. A gas credit card is usually issued by a gas company such as Shell, Exxon, or Amoco. Otherwise, you can use a general rewards card that offers cash back. There are some that offer more cash back at gas stations than other places, so one of those would be of most interest to you, if you don't want to be committed to using one particular gas station to fuel up your vehicle.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.

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BROWSE MORE QUESTIONS ABOUT Credit Card Rewards:

You will earn cash back by making purchases at select merchants. These merchants can be found in the Venmo Card section of Venmo app. Earned cash back will be applied to your Venmo account. If you are looking for cash back, we recommend you to apply for cash back credit cards.
For sure, you may choose from different cash back credit cards. You may find there offers with up to 5% cash back, no annual fee, sign-up bonuses and other perks. Pay attention to credit cards with increased cash back bonus categories. For example, if you spend a lot on gas purchases, credit cards with special cash back on gas category may be your choice.
HSBC Cash Rewards Mastercard® credit card comes with the following cash back rewards: 3% introductory cash back on all purchases in the first 12 months from account opening, up to the first $10,000 in purchases. Get 1.5 cash rewards on every $1 you spend on all new, net purchases after the intro period. If you want to earn more, you may consider other cash back credit cards.

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