I want to apply for Phillips 66 credit card to build my credit. I often buy gas at Phillips 66. Is this card good for someone without credit?

Answered on December 21, 2017
Updated on December 21, 2017
The content is accurate at the time of publication and is subject to change.
Amy Miller Amy Miller
Credit cards like Phillips 66 credit card are usually offered to people with established credit. So, we don't recommend you to apply for this card while you do not have any established credit. Also, this card has a pretty high interest rate, which is pretty standard for such cards. We would not recommend someone without credit history a credit card with that high APR. There are general credit cards with lower interest rate that can be a better option to a person without a credit history. You can also apply for secured card.
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 No Credit Cards:

You can choose one of the credit cards for limited credit to make your credit profile better. Or you can consider secured credit card. Some card offers have no annual fee and pretty nice rewards programs. Thus, you may save more money than spent on the security deposit.
If you do not have any credit history, you should consider credit cards for people with limited or no credit history. We recommend you consider secured credit cards. Don't worry about security deposit as it is refundable. Also, some secured cards have rewards programs that allow you to earn cash back on your purchases that may potentially cover your deposit expenses.
We can recommend you start with secured credit cards. These cards require a security deposit paid upfront. A secured credit card is a good way to build your credit history as it reports the account activity to major credit bureaus. You just need not to miss payments and pay off your balance. After that, getting approval for an unsecured card will be much easier. For example, you may consider the Merrick Bank Secured Visa® from Merrick Bank. This card can help you build credit, since your account activity will be reported to all three major credit bureaus. The amount of your deposit determines your initial credit...

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