bp rewards Visa®
A no-annual-fee cash back card from FNBO.
Rates, fees, and full terms are set by FNBO and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.
Our review
The bp rewards Visa is the most usable of the branded gas cards, because it actually works anywhere Visa is accepted and earns a real 3x on groceries, dining, and food delivery that redeems for cash back. In a lot of ways it is a decent everyday card wearing a gas-card costume.
But the headline, the fuel savings, is locked to bp and Amoco stations, so the thing that makes it a gas card only helps you if you fill up there. Judge it on the 3x categories, not the pump discount, and it holds up better than most of its branded peers.
Think twice if: you do not fill up at bp, since the fuel savings, the whole point of a branded gas card, only apply there.
Our 6.5 out of 10 rating
Each score weighs the rewards rate, value after the annual fee, welcome offer, points flexibility, and perks, with every point valued at a flat 1 cent. This is our editorial assessment to help you compare cards, not a guarantee of approval or of the value you will get.
Earning rates at a glance
Rewards: how it earns
You earn 5x points on non-fuel purchases at bp and Amoco, 3x on groceries, dining, and food delivery, and 1x on everything else. The 3x categories are genuinely useful and, unlike most branded gas cards, the points redeem for cash back, statement credit, or gift cards, so they are not trapped. The fuel discount, 50 cents a gallon for 60 days then 15 cents, is bp and Amoco only.
| Category | Rate | Notes |
|---|---|---|
| Dining and restaurants | 3x | Bonus category |
| Groceries | 3x | Bonus category |
| Gas | 1x | Base rate |
| Travel | 1x | Base rate |
| Streaming | 1x | Base rate |
| Everything else | 1x | Everything else |
The fine print on rates: A co-branded Visa that works anywhere Visa is accepted, but the headline fuel savings only apply at bp and Amoco stations. Points redeem for cash back, statement credit, or gift cards.
Every point and mile above is valued at a flat 1 cent, the same honest standard we use for every card. Run your own spending through the calculator to see what this card would actually return for you.
Best ways to earn & redeem
Put your dining and groceries spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus.
When you cash in, take the rewards as cash back or a statement credit, worth a flat 1 cent each. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.
Pros and cons
- Works anywhere Visa is accepted
- 3x on groceries, dining, and food delivery
- Points redeem for cash back, not just fuel
- No annual fee
- Fuel savings only apply at bp and Amoco
- 5x is limited to bp/Amoco purchases
- Without bp loyalty, a plain 3x card does the same job
The welcome bonus
The welcome is a fuel intro rather than a lump sum: 50 cents off per gallon at bp and Amoco for your first 60 days. Nice if you drive and fill up at bp, worth nothing if you do not.
First-year value vs ongoing value
| Welcome bonus | 50¢/gal off fuel at bp & Amoco for 60 days (intro), then 15¢/gal |
| To earn it | No minimum spend |
| Est. first-year value* | $472 |
| Est. ongoing value / yr* | $472 |
There is no lump-sum welcome bonus, so first-year and ongoing value are about the same, roughly $472 a year on typical spending after the fee. What you see is what you get from day one.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent, on average spending.
Benefits and protections
Beyond the rewards, the perks and protections worth knowing about include:
- Fuel savings at bp & Amoco: 50¢/gal for the first 60 days, then 15¢/gal
- Points redeem for cash back, statement credit, bp gift cards, or retailer gift cards
Statement credits
This card does not come with recurring statement credits. Its value is in the rewards rate and welcome offer.
Who should get it, and who should skip it
If you fill up at bp or Amoco and want a card that also earns solid rewards on groceries and dining, this is the branded gas card I would actually consider, mostly because the rewards are flexible and it works everywhere.
If bp is not your station, skip the gas angle entirely and get a no-fee card that earns the same 3x on groceries and dining. The fuel discount is the only reason to prefer this one, and it is useless away from bp.
Alternatives to the bp rewards Visa®
Pairs well with
The bp rewards Visa® earns the most in its bonus categories, so pair it with a no-fee flat-rate card to cover everything it only earns a base rate on.
Frequently asked questions
Best-card guides featuring this card
Learn more
How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the bp rewards Visa® lands.
Calculate My CardOffer details verified against issuer sources as of October 2026. Editorial opinions are our own. Cardocrat values all points at a flat 1 cent and never inflates redemptions.
