Phillips 66®, Conoco® & 76® Credit Card
A no-annual-fee rewards card from Synchrony.
Rates, fees, and full terms are set by Synchrony and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.
Our review
The Phillips 66, Conoco and 76 Credit Card is a fuel card, not a general credit card. It works at Phillips 66, Conoco, and 76 stations and at more than a million Synchrony Car Care auto shops, and it saves 5 cents a gallon when you pay through the Fuel Forward app, or 3 cents when you swipe at the pump.
Through the end of 2026 the app adds an extra 10 cents a gallon, which makes it genuinely worth using for drivers who fill up at these brands. Outside those stations and repair shops, the card does nothing.
Think twice if: you want a card for anything besides fuel and car care, since it is not accepted elsewhere.
Our 4.0 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
Pay with the card in the Fuel Forward app and you save 5 cents a gallon on the first 30 gallons of each fill-up; swipe at the pump without the app and you earn 3 cents a gallon as a statement credit. Through December 31, 2026, app payments save an extra 10 cents a gallon. At a $3.25 gallon, 5 cents is roughly 1.5% back, and the promo pushes it near 5%. The card also works for parts and repairs at Synchrony Car Care merchants, with 6 months of promotional financing on purchases of $199 or more.
| Category | Rate | Notes |
|---|---|---|
| Gas | 1.5x | Bonus category |
| Everything else | N/A | Not accepted outside the store |
The fine print on rates: A closed-loop fuel card that works at Phillips 66, Conoco, and 76 stations and Synchrony Car Care merchants, not as a general credit card. We model 5¢ a gallon as about 1.5% at a $3.25 gallon; swiping at the pump without the app earns 3¢, closer to 1%.
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 gas spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus. Its gas rate is on the modest side for that category, so compare before you commit.
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
- 5 cents a gallon off through the Fuel Forward app
- Extra 10 cents a gallon through the end of 2026
- Works at Synchrony Car Care auto shops
- No annual fee
- Only works at Phillips 66, Conoco, 76, and Car Care merchants
- Only 3 cents a gallon without the app
- No rewards on anything else
The welcome bonus
This card does not run a traditional welcome bonus, so its value comes entirely from ongoing rewards and perks. There is no traditional welcome bonus.
First-year value vs ongoing value
| Welcome bonus | None |
| To earn it | No minimum spend |
| Est. first-year value* | $32 |
| Est. ongoing value / yr* | $32 |
There is no lump-sum welcome bonus, so first-year and ongoing value are about the same, roughly $32 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:
- 5¢ per gallon off when you pay with the card in the Fuel Forward app (first 30 gallons per fill-up)
- 3¢ per gallon in rewards when you swipe at the pump instead
- Extra 10¢ per gallon in the app through December 31, 2026
- Accepted at Phillips 66, Conoco, and 76 stations, plus 1,000,000+ Synchrony Car Care auto merchants
- 6 months promotional financing on purchases of $199 or more
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
Get the Phillips 66 card if these stations are where you fill up and you are happy to pay through the app. The per-gallon savings, especially with the current promo, add up for high-mileage drivers.
For everyday spending, pair it with a general card that earns well on gas everywhere, like the FNBO Getaway.
Alternatives to the Phillips 66®, Conoco® & 76® Credit Card
Pairs well with
The Phillips 66®, Conoco® & 76® Credit Card 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
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 Phillips 66®, Conoco® & 76® Credit Card 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.
