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CITGO Rewards® Card

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Benefits

The CITGO Rewards® Card is great for everything automotive, from gas to repairs! When you open a CITGO Rewards Card account, you will save or earn 30¢ on every gallon1 of CITGO fuel for the first 60 days from the date your account is opened. Save at the pump or earn as statement credits. After the first 60 days, save 5¢ on every gallon1 of CITGO fuel at the pump or earn 5¢ in statement credits, every day!

Plus, you will have access to Synchrony Car Care for help with managing auto-related expenses, from everyday care to major repairs.

CITGO Rewards Card

Check out these other card benefits:

  • No limit to the amount of rewards you can earn
  • Pay with your Card in store or at the pump at any of the nearly 4,200 participating CITGO locations
  • Synchrony Car Care acceptance at over 1,000,000 auto merchant locations nationwide,2 including parts, repair, services and more
  • 6 Months Promotional Financing available every day on purchases of $199 or more3
  • Ability to add Authorized Users to your account4
  • No annual fee5
  • Zero fraud liability
  • Cash access6 at participating ATMs
  • Online account management with features such as account alerts, auto pay, ebill statements and 24-hour access
Using the CITGO Rewards Card
How To Apply

Already have a CITGO Rewards Card?
Manage Your Account | Lost or Stolen Card 1-877-295-2080

Rewards Credit Card FAQs

Applying For a CITGO Rewards Card

CITGO offers both personal and business payment cards to meet your needs. The CITGO Rewards Card is a credit card for the typical consumer looking to save. The CITGO Gift Card is suited for people who want the ease and freedom of cash in one card.

Business cards such as CITGO Fleet, CITGO Fleet Select, and CITGO Fleet Universal work well if you operate a fleet of vehicles.

To apply for a CITGO credit card, you must be a U.S. resident and 18 years or older. You must also have approved credit history and income verification.

Once you have determined what card fits your needs, select the apply button online, complete the requested information and submit your application, or pick up an application at any CITGO location.

Your credit limit will be based upon your yearly income and credit report score. This limit will be noted on your credit card welcome kit as well as on your monthly statements.

You may receive an instant response or we will notify you by U.S. Mail within 30 days regarding the status of your account, or you may call for application status.

Using Your CITGO Rewards Card

Yes. You'll find card-specific customer service phone numbers here, or you can call the number found on the back of your card to request additional cards.

Yes, this convenience is available at most of our CITGO-branded locations.

The CITGO personal accounts are revolving, which allows you the flexibility to pay the full amount each month. The CITGO business accounts are non-revolving and must be paid off at the end of each term.

Your CITGO credit card is valid at any CITGO-branded location, so look for the sign or visit our location finder to find the location nearest you or to help plan your next trip.

CITGO Rewards Card Instant CITGO Savings

  • New CITGO Rewards Credit cardholders will receive an Instant CITGO Savings of 30¢ on every gallon of CITGO fuel when they use their CITGO Rewards Credit Card to pay for CITGO fuel for the first 60 days from the date their account is opened.
  • Existing CITGO Rewards cardholders will receive an Instant CITGO Savings of 5¢ on every gallon of CITGO fuel when they use their CITGO Rewards Credit Card to purchase CITGO fuel.
    • Available at participating CITGO locations with correctly configured Point of Sale systems.
    • See the CITGO Rewards Program Terms for details on earning and redeeming CITGO Rewards.
  • It’s easy! Go to citgorewardscenter.com.
  • New cardmembers will receive an Instant CITGO Savings of 30¢ on every gallon of CITGO fuel when they use their CITGO Rewards Credit Card to pay for CITGO fuel for the first 60 days from the date their account is opened.
  • Existing CITGO Rewards cardholders will receive an Instant CITGO Savings of 5¢ on every gallon of CITGO fuel when they use their CITGO Rewards Credit Card to purchase CITGO fuel.
    • Available at participating CITGO locations with correctly configured Point of Sale systems.
    • See the CITGO Rewards Program Terms for details on earning and redeeming CITGO Rewards.
  • The CITGO Rewards Credit Card is issued and managed by Synchrony Financial Bank.
  • The CITGO Rewards Credit Card is a proprietary credit card that is accepted at participating CITGO locations with correctly configured Point of Sale system configurations.
  • The CITGO Rewards Credit Card can be used at the pump for CITGO fuel, as well as car washes, snacks, drinks, and other items purchased in the convenience store.
  • When CITGO cardholders use their CITGO Rewards Credit Card at the pump, fuel credits will be applied as an Instant CITGO Savings or as a statement credit depending on dispenser capability at the location.
    • Instant CITGO Savings is dependent on dispenser configuration at each location.
    • Some locations may not have the software or hardware capability to provide an Instant CITGO Savings.
  • If that location does not provide Instant CITGO Savings, you will receive a statement credit at the end of the following month’s billing cycle.
  • All valid and eligible CITGO Rewards cardholders will receive appropriate cents off per gallon of fuel at the pump or in a statement credit.
  • Call the number on the back of your CITGO Rewards Credit Card.
  • Instant CITGO Savings are dependent on dispenser configuration at each CITGO location.
  • CITGO locations are locally owned and operated.
  • Some CITGO locations may not have software or hardware capability to provide an Instant CITGO Savings.
  • If that location does not provide Instant CITGO Savings, you will receive a statement credit at the end of the following month’s billing cycle.
  • Simply insert your CITGO Rewards Credit Card at the CITGO pump or in the convenience store and follow instructions on the screen.
  • Instant CITGO Savings will be given automatically at the pump at participating CITGO locations.
  • Instant CITGO Savings are dependent on dispenser configurations at each location.
  • Some locations may not have software or hardware capability to provide an Instant CITGO Savings.
  • If that location does not provide instant discounts, you will receive a statement credit at the end of the following month’s billing cycle.
  • The CITGO Rewards Credit Card is issued and managed by Synchrony Financial Bank.
  • Instant CITGO Savings at the pump is dependent on dispenser configurations at each CITGO location.
  • Some CITGO locations may not have the software or hardware capability to supply an Instant CITGO Savings.
  • If that location does not provide Instant CITGO Savings, you will receive a statement credit at the end of the following month’s billing cycle.
  • On most printed receipts, your discount per gallon amount will be shown.

  

  • If you do not see a CITGO Fuel Rewards listed on your receipt, you will receive a statement credit at the end of the following month’s billing cycle.
  • Call the number on the back of your CITGO Rewards Credit Card if you have questions.
    • The CITGO Rewards Credit Card is issued and managed by Synchrony Financial Bank.
    • Synchrony Financial Customer Care has CITGO Rewards Credit Card transaction visibility to determine if you did or did not receive an Instant CITGO Savings.
    • If you did not, you should see it at the end of the following month’s billing cycle as a statement credit.
  • Instant CITGO Savings at the pump is dependent on dispenser configuration at each CITGO location.
    • Some CITGO locations may not have software or hardware capability to supply Instant CITGO Savings.
  • If that location does not provide Instant CITGO Savings, you will receive a statement credit at the end of the following month’s billing cycle.
  • Call the number on the back of your CITGO Rewards Credit Card. The CITGO Rewards Credit Card is issued and managed by Synchrony Financial Bank.
    • Synchrony Financial Customer Care has CITGO Rewards Credit Card transaction visibility to determine if you did or did not receive Instant CITGO Savings.
  • Yes, once your CITGO Rewards Credit Card application is approved, use your CITGO Rewards Credit Card to purchase CITGO fuel to receive the Instant CITGO Savings at participating CITGO locations.
  • Instant CITGO Savings are dependent on dispenser configurations at each CITGO location.
    • Some CITGO locations may not have software or hardware capability to supply Instant CITGO Savings.
  • If that location does not provide Instant CITGO Savings, you will receive a statement credit at the end of the following month’s billing cycle.

For more information on Instant CITGO Savings and combining CITGO Loyalty Programs, read the ICS FAQs here

1,2,3,6 Subject to credit approval.

1 Terms and conditions apply. Cents off per gallon will be applied at the pump or as a statement credit depending on dispenser and system capability. See the CITGO Rewards Program Terms for details on earning and redeeming CITGO Rewards.

2 Valid everywhere Synchrony Car Care™ is accepted in the U.S., including Puerto Rico. Click here for merchant locations. Acceptance of the Synchrony Car Care™ credit card is also determined by the merchant category code (the "MCC") associated with the merchant. An MCC is a four-digit classification code that is assigned to a merchant by the merchant's payment card network or merchant processor based on the predominant business activity of the merchant. Synchrony Bank does not assign nor has responsibility for the assignment of MCCs or evaluates what MCC should be assigned to a particular merchant.

3 Minimum monthly payments required. Click here for Promotional Financing details and merchant locations. Gas station purchases are not eligible for Promotional Financing. Promotional Financing is available at auto merchants where Synchrony Car Care is accepted. Promotional Financing is automatically applied to qualifying purchases by Synchrony and is reflected on the account statement. No additional action is needed by the cardholder nor the merchant.

4 The Primary Cardholder will be liable for all purchases made on the Account, including those made by an Authorized User.

5 For New Accounts: Purchase APR is 29.99%. Minimum Interest Charge is $2.

6 Transaction fees apply. See the cardholder Terms and Conditions for details.

7 Text message and data rates may apply. Check with your service provider.

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