Apply for BP Credit Card: Applying for a BP credit card can be a smart move if you’re a regular at BP gas stations. With attractive fuel rewards, cashback perks, and ease of use, the BP credit card can help you save money on everyday fuel expenses.
In this guide, we’ll break down everything you need to know about how to apply for the BP credit card, what you need to qualify, and tips to improve your approval chances.
What is the BP Credit Card?
The BP Credit Card, officially known as the BPme Rewards Visa® Card, is a fuel rewards credit card issued by Synchrony Bank. It’s designed for people who frequently fill up at BP and Amoco stations. It offers discounts on gas, along with other cashback options on groceries, travel, and dining.
There are actually two versions of the card:
- BPme Rewards Visa® Credit Card – usable anywhere Visa is accepted.
- BPme Rewards Credit Card – can only be used at BP and Amoco gas stations.
Benefits of the BP Credit Car
Before diving into how to apply, here’s why this card is worth considering:
- Save 15¢ per gallon at BP and Amoco stations for the first 60 days.
- After the intro period, save 5¢ per gallon on every fill-up.
- 3% cashback on grocery store purchases.
- 1% cashback on all other purchases (with the Visa version).
- No annual fee.
- Access to special promotions and discounts.
Eligibility Requirements
Before applying, make sure you meet the following basic requirements:
- Must be at least 18 years old.
- Must have a valid Social Security Number.
- Must have a U.S. residential address.
- Must have a fair to good credit score (typically 620 or above).
- Must not have had recent bankruptcies or delinquencies.
Step-by-Step Guide to Apply for BP Credit Card
Here’s exactly how to apply for a BP credit card:
1. Go to the Official BP Credit Card Application Page
Start by visiting the official BPme Rewards card application page on Synchrony Bank’s or BP’s website. This ensures your application is secure and directed to the right source.
Pro Tip: Never apply through third-party websites unless they are trusted financial comparison sites.
2. Choose Between the Two Card Options
As mentioned earlier, decide whether you want:
- BPme Rewards Visa® Credit Card – for use anywhere Visa is accepted.
- BPme Rewards Credit Card – for BP and Amoco stations only.
The Visa version is usually the better pick for broader use and more rewards.
3. Fill Out the Application Form
You’ll need to provide the following personal information:
- Full legal name
- Date of birth
- Social Security Number
- Residential address
- Email address and phone number
- Employment status
- Total annual income
- Monthly housing payments (rent/mortgage)
Make sure all the info is accurate to avoid delays or denials.
4. Consent to a Credit Check
When you submit the application, Synchrony Bank will do a hard pull on your credit report. This can slightly impact your credit score, so apply only when necessary and you’re confident in your approval odds.
5. Submit the Application and Wait for Approval
Most applications receive an instant decision within a few minutes. However, some might take longer if further review is needed.
If approved, you’ll receive your card in the mail within 7–10 business days. You can also access your account online via the BPme Rewards login portal.
What to Do If You’re Not Approved
Don’t panic if you get denied. Here’s what you can do:
- Check your credit report for any inaccuracies.
- Pay down existing debts to improve your credit utilization.
- Apply again after a few months once your credit improves.
- Consider applying for the non-Visa version, which is typically easier to qualify for.
Tips to Increase Your Approval Odds
Want to boost your chances of getting approved? Here’s how:
- Maintain a credit score of at least 620.
- Make on-time payments on existing credit accounts.
- Avoid applying for multiple credit cards in a short time.
- Keep your credit utilization under 30%.
- Ensure your income-to-debt ratio is healthy.
How to Activate Your BP Credit Card
Once you receive your card, follow these steps to activate it:
- Visit www.bpmecreditcard.com or call the number on the sticker.
- Enter your card number and security code.
- Follow the on-screen instructions to activate.
Once activated, you can register for BPme Rewards and start saving immediately.
FAQs About Apply for BP Credit Card
1. How do I apply for a BP Credit Card?
You can apply online through the official BP Credit Card website or by visiting a participating BP gas station. The application process is quick, taking just a few minutes.
2. What are the requirements to apply?
You’ll need to be at least 18 years old with a valid Social Security Number and a steady income. A fair to good credit score helps increase your approval odds.
3. Will applying affect my credit score?
Yes, like any credit application, a hard inquiry will be made, which might cause a slight dip in your credit score—typically just a few points.
4. How long does it take to get approved?
Most applicants receive a decision within minutes, but in some cases, it could take up to 7–10 business days.
5. Can I use the BP Credit Card anywhere?
It depends on the version. The BP Visa Credit Card can be used anywhere Visa is accepted, while the BP Store Card is limited to BP and Amoco stations.
6. What rewards can I earn?
You can earn cash back or cents off per gallon on fuel purchases, plus additional rewards on groceries, dining, and travel—depending on the card type.
Final Thoughts
Applying for a BP credit card is a smart move if you’re looking to cut down fuel expenses and earn cashback rewards on everyday spending. Just make sure you meet the credit requirements and apply through the official channel to ensure your data stays secure.
With the right preparation and good credit habits, you can get approved and start enjoying the benefits within days.
