Who Issues the BP Credit Card

The BP Credit Card is issued by Synchrony Bank. While the card carries BP branding and fuel rewards, all financial operations including credit decisions, billing, payments, and customer service are handled by Synchrony.

Synchrony Financial and BP entered into a definitive, multi year agreement to provide private label and co branded credit programs for consumers nationwide. The card lineup includes a store only card and a Mastercard version usable anywhere Mastercard is accepted. Apply at bp.com or in select BP stations.

BP is a global energy and fuel company with an extensive network of gas stations across the United States. It partners with Synchrony Bank to offer credit cards tied to fuel rebates and savings on purchases at BP stations.

Who Issues the BP Credit Card

Synchrony Bank is a major consumer financial services company that issues credit cards for a wide range of retail, healthcare, and fuel partners, giving it substantial experience managing large scale co branded programs like the one it operates for BP.

Synchrony Bank is the chartered bank that extends credit and holds every account opened under the BP credit card program. Synchrony is one of the largest issuers of private label and co branded retail and fuel credit cards in the country, serving millions of cardholders through numerous store and brand partnerships.

The relationship between BP and Synchrony has remained active for several years, with Synchrony continuing to issue and service BP branded credit cards as part of its broader portfolio of fuel and retail partnerships across the country.

What Synchrony Bank Does for BP

Synchrony Bank manages underwriting, statement mailing, the online account portal, and customer service for BP cardholders, while BP focuses on station operations and the fuel rebate structure tied to each card.

This arrangement allows BP to offer a rewards focused credit card without directly managing consumer lending risk, underwriting decisions, or collections, all of which remain the responsibility of Synchrony Bank as the account issuer.

BP Credit Card Features

Cardholders should review the current fuel rebate percentages and any category bonuses listed on the official application page, since Synchrony and BP periodically update program terms as market conditions and fuel prices change.

The BP credit card lineup offers rebates on fuel purchases at BP stations along with rewards on other everyday spending categories, and it typically carries no annual fee, consistent with the card’s positioning as a fuel focused, no annual fee rewards card built around everyday driving.

Cardholders can choose between a store only card usable exclusively at BP stations and a Mastercard version that earns rewards on purchases both at BP and elsewhere, giving drivers more flexibility depending on where else they typically shop and spend beyond the fuel pump.

How BP Compares to Other Fuel Cards

Synchrony also issues several other well known retail cards, including the Sam’s Club Credit Card, giving the bank broad experience managing both fuel and general retail rewards programs.

Drivers who primarily fuel up at a single brand often prioritize the highest possible rebate rate at that specific station, while drivers who fuel up at multiple different brands may prefer a general purpose rewards card instead of a single brand fuel card tied to one gas station chain.

The BP card program is similar in structure to other fuel rewards cards, such as the Shell Credit Card, which is now issued by Imprint Payments and First Bank and Trust after transitioning away from Citibank in 2026.

Consumers who frequently purchase fuel from multiple brands sometimes compare programs like BP and Shell to decide which rewards structure and issuing bank offers the best value for their typical driving habits.

Applying for the BP Credit Card

Because approval and starting credit limits depend on individual credit history, applicants should treat any promotional offer as a starting point rather than a guarantee, and confirm final terms once an application has been reviewed and approved.

Applicants can review current card terms and apply through the official BP credit card page, which lists fees, fuel rebate rates, and eligibility details directly from Synchrony Bank.

Because approval and credit limits depend on individual credit history, applicants should review the current terms directly through the official site before applying, since promotional rebate rates and welcome offers can change from one season to the next.

Frequently Asked Questions

Has Synchrony Bank always issued the BP Credit Card?

Synchrony has issued the BP Credit Card as part of a definitive, multi year agreement with BP, continuing an established partnership focused on fuel rewards and private label credit programs.

Can the BP Credit Card be used anywhere other than BP stations?

It depends on the card. The store only BP card can be used exclusively at BP stations, while the Mastercard version can be used anywhere Mastercard is accepted, both issued by Synchrony Bank.

How can I talk to BP Credit Card customer service?

Cardholders can reach BP Credit Card customer service through the phone number listed on the back of their card or through the Synchrony online account portal associated with the BP program.

What is the BP Credit Card payment address?

The correct mailing address for payments appears on each monthly billing statement and inside the online account. Cardholders can also confirm the current address through the official BP credit card page.

What are the requirements to get the BP credit card?

Issuers generally review income, existing debt, and credit history when deciding on an application, and federal rules limit what information a card issuer can request. Full detail on these protections is available from the Consumer Financial Protection Bureau.

How do I make a BP Credit Card payment?

Payments can be made online through the Synchrony account portal, by mail using the address on the monthly statement, or by phone. Enrolling in autopay helps cardholders avoid a missed due date and any resulting late payment fee.

How do I make a BP Credit Card payment by phone?

Cardholders can make a payment by phone by calling the customer service number listed on the back of their card and following the automated payment prompts, or by speaking with a representative directly during normal business hours for additional help.