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Sunoco Rewards Credit Card Review: A No Annual Fee Card That Offers a Small Discount at the Pump

Review Updated
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Nathan Alderman
Fact Checked: Nathan Alderman
Nathan Alderman
Nathan Alderman
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Nathan Alderman has been a full-time Motley Fool employee since 2005, making errors his arch-enemies in a variety of roles including a six-year stint as the dedicated fact-checker for The Motley Fool's premium newsletter services. As Motley Fool Money's Compliance Lead, he makes sure that all the site's information is accurate and up to date, which ensures we always steer readers right and keeps various financial partners happy. A graduate of Northwestern University's Medill School of Journalism, Nathan spends his spare time volunteering for civic causes, writing and podcasting for fun, adoring his wife, and wrangling his two very large young children.

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OFFER STATUS

Sunoco Rewards Credit Card is unavailable on Motley Fool Money. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.

With gas prices still high throughout the country, you may be looking for a gas credit card that makes filling up your tank more affordable. The Sunoco Rewards Credit Card is a Citi credit card that offers gas discounts without an annual fee.

This card also comes with a bonus offer for new cardholders, which could reward you with additional savings on gas for the first 60 days. Read our full Sunoco Rewards Credit Card review to determine if this is the right gas rewards card for you.

Ratings Methodology

Sunoco Rewards Credit Card

Sunoco Rewards Credit Card
Rating image, 2.00 out of 5 stars.
2.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 2.00 out of 5 stars.
2.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

31.74%

Rewards

Save $0.05 on every gallon

Annual Fee

$0

Welcome Offer Circle with letter I in it. $0.50 per gallon earned for 30 days after account opening

$0.50 per gallon

  • A gas credit card for drivers who fill their tank at Sunoco and want to score gas discounts without paying an annual fee.

    • Gas discounts at Sunoco
    • Bonus offer
    • No annual fee
    • No limits on discounted gallons you can buy
    • Free family cards
    • Discounts are automatic
    • Minimal discount
    • No rewards
    • Limited perks
    • Lackluster bonus
    • High APR
    • $0.50 per gallon earned for 30 days after account opening
    • Save $0.05 on every gallon
    • $0 liability on unauthorized gas charges
    • Touch free fueling at the pump and in store

Credit card comparison

We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.

Offer Our Rating Welcome Offer Rewards Program APR Learn More
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Best for cash back on rotating categories 		Discover will match all the cash back you’ve earned at the end of your first year. 1% - 5% Cashback Circle with letter I in it. Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.

Intro:

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular: 18.24% - 27.24% Variable APR

Apply Now for Discover it® Cash Back

On Discover's Secure Website.

Rates & Fees External Link Icon

Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Best for cash rewards on everyday spending 		$200 cash rewards Circle with letter I in it. Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. 2% cash rewards Circle with letter I in it. Earn unlimited 2% cash rewards on purchases.

Intro: Circle with letter I in it. 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers

Purchases: 0% intro APR, 12 months from account opening

Balance Transfers: 0% intro APR, 12 months from account opening on qualifying balance transfers

Regular: 19.24%, 24.24%, or 29.24% Variable APR

Apply Now for Wells Fargo Active Cash® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Best for unlimited rewards on purchases 		25,000 points Circle with letter I in it. 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases 1.5-3 points per dollar Circle with letter I in it. Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees, and your points don't expire as long as your account remains open. Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.

Intro: Circle with letter I in it. 0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR on purchases and balance transfers will apply. A 3% fee for 60 days from account opening, then 4% fee applies to all balance transfers. Balance transfers may not be used to pay any account provided by Bank of America.

Purchases: 0% Intro APR for 15 billing cycles for purchases

Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days

Regular: 18.24% - 28.24% (Variable)

Apply Now for Bank of America® Travel Rewards credit card

On Bank of America's Secure Website.

Full Sunoco Rewards Credit Card review

This credit card is a good fit for: Drivers who frequently buy gas at Sunoco and want a gas rewards credit card that promises gas discounts with no annual fee.

Top perks

These are the most notable features of the Sunoco Rewards Credit Card.

Gas discounts at Sunoco

When you buy gas at Sunoco gas stations use your Sunoco Rewards Credit Card, you'll be eligible for a $0.05 discount for every gallon of gas you buy.

LEARN MORE: Check out our full list of the best gas credit cards to find one that fits your needs.

Bonus offer

This gas card comes with a bonus offer available to new cardholders, who can earn up to $0.50 off per gallon of gas purchased at Sunoco during the first 30 days of account ownership.

You'll receive your normal $0.05 off per gallon of gas directly at the pump and the remainder off per gallon in the form of a statement credit.

You can also get a one-time $5 statement credit if you download the Sunoco Go Rewards® app, add your Sunoco Rewards Credit Card, and then use this as a method of payment for three individual transactions on your mobile device in the first 60 days of opening your account.

No annual fee

With no annual fee, this card is a good option if you're looking for a gas rewards card that doesn't incur any extra costs.

No limits on gas spending

There is no limit to how much money you can save or how much you can spend on gas. If you purchase gas frequently, this is a nice benefit. Other rewards cards, including some gas cards, have a spending limit for rewards.

Free family cards

You can get cards for your family members at no extra charge, so they too can save on gas.

Discounts are automatic

The Sunoco Rewards Credit Card fits the bill if you're looking for a gas rewards card that's straightforward and convenient, since you don't have to redeem rewards or wait for discounts to be applied to your credit card statement.

Besides the limited-time bonus offer, discounts are automatically applied as a reduced fuel price at the pump or in-store when buying gas at Sunoco.

What could be improved

The Sunoco Rewards Credit Card has some issues that could be improved.

Minimal discount

The Sunoco Rewards Credit Card offers savings on gas, but the discount is small -- just $0.05 on every gallon filled at Sunoco gas stations.

That discount may not be worthwhile, depending on your car and how much you drive. For example, if you have a vehicle with a 15-gallon gas tank and only fill up three times a month, you'll only save $2.25 each month on gasoline.

No rewards

Another thing to remember is that beyond the discount on gas and the limited-time bonus offer, this card doesn't earn cash back or any other rewards. If you want to get rewarded for your spending in ways other than with a reduced fuel price, this probably isn't the right card for you.

If you want to maximize your credit card rewards, look for a card that offers cash back on gas spending in addition to a direct discount on gas purchases -- not to mention rewards on other purchases, such as travel or groceries.

Limited perks

While this credit card includes a bonus offer for new cardholders and promises discounts on gas when purchased at Sunoco gas stations, the card lacks other benefits.

You may want to look at other rewards credit cards if you want a broader range of features. If you're interested in a Citi card, check out our list of best Citi credit cards.

Lackluster bonus

New cardholders can get up to $0.50 off per gallon of gas bought at Sunoco during the first 30 days of account opening. The first $0.05 is provided as a direct discount at the pump, while the additional $0.45 is applied as a statement credit.

This is a nice incentive, but it's not the best welcome offer we've seen. There are lots of credit card types out there in addition to gas rewards cards that offer a bonus of $200 or more to new cardholders.

High APR

The Sunoco Rewards Credit Card has a variable APR of 31.74% -- a high interest rate.

When using a credit card, your best bet is to charge what you can afford and pay the statement balance off in full every month. Doing this will avoid racking up interest.

If you occasionally carry a balance, you may want to get a different card with a lower APR or even an intro 0% APR to minimize your interest charges.

Suggested credit score

This card is intended for consumers with good credit. A FICO® Score of 670 is recommended when applying for the Sunoco Rewards Credit Card. It's possible to get approved with a lower score or be denied with a higher credit score. Remember that other financial factors are considered during the application process, such as income level and total debt.

The Sunoco Rewards Credit Card is right for you if:

  • You regularly fill your tank up at Sunoco gas stations
  • You want rewards in the form of a direct discount at the pump when buying gas
  • You want a credit card without an annual fee
  • You're not bothered about any additional benefits aside from reduced fuel prices

There are other credit card options to explore. Check out our list of the best credit cards to see if one is right for you.

Our credit card methodology

At Motley Fool Money, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how Motley Fool Money rates credit cards.

FAQs

  • Yes, you can use the Sunoco Rewards Credit Card to build your credit.

    You can build credit by:

    • Using your card to pay for purchases you would make anyway
    • Only charging what you can afford
    • Paying more than the minimum amount due on time every month

  • Yes, you can still earn rewards through the Sunoco Go Rewards app while also earning them on the Sunoco Rewards Credit Card. If you use your Sunoco card with the app, you'll earn $0.08 off per gallon.