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Shell Drive for Five® Credit Card: Should You Use It to Pay at the Pump?

Shell Drive for Five® Credit Card
This card is not available through ValuePenguin.
Shell Drive for Five® Credit Card
This card is not available through ValuePenguin.

Shell Drive for Five® Credit Card: Should You Use It to Pay at the Pump?

We don't recommend the Shell credit card to most people, since you can get better gas savings by using a cash back credit card
Editor's Rating: 3.5/5.0
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Editor's Rating

{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

3.5/5.0

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any credit card issuer.

We can't recommend the Shell Drive for Five® Credit Card for anyone, since even a generic credit card with gas rewards can produce significantly better rewards. That, coupled with extremely high interest rates, makes this an overall weak offer.

Review: Is the Shell Drive for Five® Credit Card Any Good?

The Shell Drive for Five® Credit Card fails to impress, especially when compared to top-notch gas credit cards. With most credit cards that are partnered with either a store or airline, it's not uncommon to see rewards rates that are 3% or higher. We calculate that the Shell Drive for Five® Credit Card provides a 2.14% rewards rate for the average consumer. This rewards rate will vary slightly, since it is dependent on the the price of a gallon of gas. Put simply, you get $0.05 back on every gallon you buy.

The card's most noteworthy benefit is the bonus it provides for the first 2 months of cardmembership. Cardholders get $0.25 back on every gallon, instead of the standard $0.05. That can work out to a rewards rate of over 10%. Though fantastic, this will wear off fairly quickly, and the card will fall back to mediocrity.

Finally, it's worth mentioning that the Shell Drive for Five® Credit Card is a so-called store card. It is not affiliated with any of the card networks, like Visa or Mastercard, and therefore cannot be used to pay for things outside of Shell stations. This is in stark contrast to other gas credit cards. For example, the BP credit card provides their customers a Visa credit card as an option, so you could use it at other brands' gas stations.

Bottom Line: We recommend consumers look at generic gas and cash back credit cards, instead of the Shell Drive for Five® Credit Card. Even if you shop exclusively at Shell stations, other credit cards can provide you with significantly better rewards.

Shell Drive for Five® Credit Card Benefits & Features

The Shell Drive for Five® Credit Card gives you $0.05 back on every gallon you buy at their affiliated gas stations. For the first two months you have the card, you'll be getting $0.25 back on each gallon. Because the returns you get on each gallon of gas are fixed, your rewards rate will increase the cheaper gas becomes. The calculation works in the following way:

  • Buying 12 gallons of gas will get you 12 x $0.05 = $0.60 in rewards
  • Those 12 gallons would currently cost $34.56
  • Therefore, the rewards rate comes out to $0.60 / $34.56 = 1.7%
  • If the price of those 12 gallons falls to $30, your rewards rate increases to $0.60 / $30 = 2%
Shell Drive for Five® Credit Card
This card is not available through ValuePenguin.
Shell Drive for Five® Credit Card
This card is not available through ValuePenguin.

Shell Drive for Five® Credit Card

Shell Drive for Five® Credit Card
This card is not available through ValuePenguin.
Shell Drive for Five® Credit Card
This card is not available through ValuePenguin.
  • Get 25¢ off every gallon* of Shell fuel for the first 2 months after your account open date. After that, ongoing savings! Get 5¢ off every gallon*, every time when you use the Shell Drive for Five® Card. New Accounts Only. Apply by 12/31/2018.
  • Flexible Terms - Option to make the minimum payment due or pay in full.
  • Additional cards at no cost - Put your whole family's fuel purchases on one statement.
  • Pay-at-the-pump convenience - Save time at thousands of locations nationwide.
  • Manage your account online - Review unbilled charges and current statements, and make and schedule your payments.
  • Keep track of fuel purchases separately - Perfect for tracking your budget. Also helps keep your credit open for "big ticket" purchases.
  • $0 Liability for unauthorized charges.
  • Citi® Identity Theft Solutions - If you become a victim of identity theft, Citi® can provide specialized assistance.
  • Get 25¢ off every gallon* of Shell fuel for the first 2 months after your account open date. After that, ongoing savings! Get 5¢ off every gallon*, every time when you use the Shell Drive for Five® Card. New Accounts Only. Apply by 12/31/2018.
  • Flexible Terms - Option to make the minimum payment due or pay in full.
  • Additional cards at no cost - Put your whole family's fuel purchases on one statement.
  • Pay-at-the-pump convenience - Save time at thousands of locations nationwide.
  • Manage your account online - Review unbilled charges and current statements, and make and schedule your payments.
  • Keep track of fuel purchases separately - Perfect for tracking your budget. Also helps keep your credit open for "big ticket" purchases.
  • $0 Liability for unauthorized charges.
  • Citi® Identity Theft Solutions - If you become a victim of identity theft, Citi® can provide specialized assistance.
Annual Fee
No Annual Fee
Regular APR
25.99%
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
N/A
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

The information related to the Shell Drive for Five® Credit Card has been collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.

The Shell Drive for Five® Credit Card is a store card, which means you can't use it anywhere else — just at Shell gas stations. However, because it's issued by Citibank, there are a few benefits you can take advantage of, including Citi® Identity Theft Solutions. This provides dedicated customer service and assistance in the event the primary cardholder becomes a victim of identity fraud.

Beware of the "ATM Cash Access" benefit that is listed on the card's website. This refers to a transaction known as a cash advance, and it's almost always a bad deal for consumers. Cash advances come with a $10 or 5% fee, whichever is greater. On top of that, the Shell Drive for Five® Credit Card charges a 29.99% APR on cash advances that starts accruing the moment the transaction goes through. These high fees and interest charges make the transaction extremely expensive, and not worth it. For example, assuming you pay off the cash advance at the end of the month, taking out just $100 may end up costing you $12.46.

The regular purchase APR on the Shell Drive for Five® Credit Card is also extremely high — 25.99%. That is approximately 11 percentage points higher than the average credit card APR, which currently sits at about 14%. If you pay for gas with the Shell Drive for Five® Credit Card, make sure you pay off your bill in full at the end of the month.

How Does the Shell Drive for Five® Credit Card Compare to Other Gas Credit Cards?

If you're thinking about getting the Shell Drive for Five® Credit Card, know that you have other options available at your disposal. There are plenty of other good gas credit cards to consider, that can be more rewarding both at the pump and when you're going about your everyday purchases.

Shell Drive for Five® Credit Card vs Costco Anywhere Visa® Card by Citi

The Costco Anywhere Visa® Card by Citi is currently one of the most rewarding gas credit cards. You can get 4% back on eligible gas purchases worldwide, including gas at Costco for the first $7,000 per year. When you consider long-term rewards, this card blows the Shell Drive for Five® Credit Card out of the water. On top of that, you can use the Costco Anywhere Visa® Card by Citi to shop at other stores. You get 3% back when shopping at restaurants and when paying for travel, and 2% back on all other purchases from Costco and Costco.com. Everything else you charge to the card gives 1% back.

The one catch with this card is that you must be a Costco member to apply. The membership costs $60 per year. If you think of it as an annual fee for the card, you may need to spend just $6,000 on the card and it will pay of itself.

Costco Anywhere Visa® Card by Citi Highlights

  • 4% cash back on eligible gas worldwide, including gas at Costco, for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and travel purchases
  • 2% back on all other Costco and Costco.com purchases
  • Read Full Review

Shell Drive for Five® Credit Card vs Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express
See Rates & Fees. Terms Apply.
This card is not available through ValuePenguin.
Blue Cash Everyday® Card from American Express
See Rates & Fees. Terms Apply.
This card is not available through ValuePenguin.

The Blue Cash Everyday® Card from American Express doesn't quite match the Shell Drive for Five® Credit Card's rewards rate on gas purchases, however, it more than makes up for that with its other features. The Blue Cash Everyday® Card from American Express provides 2% cash back at U.S. gas stations and at select U.S. department stores, 3% back at U.S. supermarkets (on up to $6,000 per year in purchases), and 1% back on other purchases. Beyond that, the card also provides you with a nice welcome bonus. You can get $150 after you spend $1,000 in purchases on your new card within the first 3 months. The Blue Cash Everyday® Card from American Express, unlike the Shell Drive for Five® Credit Card also gives customers the freedom to use the card at any U.S. gas station.

Blue Cash Everyday® Card from American Express Highlights

  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%), 2% cash back at U.S. gas stations and at select U.S. department stores and 1% back on other purchases
  • No annual fee (See Rates & Fees)
  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months
  • Read Full Review

For rates and fees of the Blue Cash Everyday® Card from American Express, please click here.

The information related to the Blue Cash Everyday® Card from American Express has been collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication. This offer and/or promotion may have since changed, expired, or is no longer available.

Comments and Questions

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).