BP Visa Credit Card Reviews (Oct. 2020) | Personal Credit Cards

Highlights
Purchase APR (Variable APR)	29.99%
Balance Transfer APR (Variable APR)	N/A
Credit Score Range	650 - 850
Annual Fee	$0

BP Visa Credit Card Review

BP Visa Credit Card is a rewards credit card issued by Synchrony Bank. If you're wondering whether BP Visa Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways

High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 29.99%
No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
Gas rewards.
Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.

BP Visa Credit Card Pros & Cons

The Good	The Bad
No annual fee. Cardholders can earn rewards on every purchase. Earn rewards on every purchase. Cardholders can earn rewards on their purchases.	Higher than average purchase APRs. Does not offer a signup bonus. Charges a foreign transaction fee of 3%. Does not report to credit bureaus. Does not include many credit card benefits.

BP Visa Credit Card FAQ

Is there a BP Visa Credit Card cash back or rewards program?

BP Visa Credit Card offers a rewards program to its customers.

BP Visa Credit Card Rewards
Rewards rate (all purchases)	1%
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	N/A
Signup Bonus Spend Requirement	$100

Does BP Visa Credit Card have a signup bonus?

BP Visa Credit Card doesn't offer a cash signup bonus.

Does BP Visa Credit Card offer an annual loyalty bonus?

BP Visa Credit Card doesn't offer a cash loyalty bonus.

What are the BP Visa Credit Card benefits?

BP Visa Credit Card provides the following benefits:

What are the relevant APRs for BP Visa Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. BP Visa Credit Card has higher than average purchase APRs.

BP Visa Credit Card has a variable purchase APR of 29.99%. It also has a variable cash advance APR of 29.99% .

Does BP Visa Credit Card have an introductory APR offer on balance transfers?

No, BP Visa Credit Card does not come with an introductory APR offer for balance transfers.

Does BP Visa Credit Card have an introductory APR offer on new purchases?

BP Visa Credit Card does not offer an introductory rate on new purchases.

BP Visa Credit Card Purchase Intro Offer
Description
Introductory Rate	N/A
Purchase Intro APR Period (months)	N/A

What are the fees for BP Visa Credit Card?

The following fees apply to BP Visa Credit Card:

BP Visa Credit Card Fees
Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	3%
Late Payment Fee	up to $39

Does BP Visa Credit Card have a foreign transaction fee?

BP Visa Credit Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

How to apply for BP Visa Credit Card

Visit the BP Visa Credit Card website.
Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
Check the information is accurate and submit your application.
If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

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Contact

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200 Crossing Blvd Suite 101
Bridgewater, NJ 08807
(866) 226-5638
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Availability

Available in 50 states and Washington, D.C.

Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Washington, DC
Florida
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Hawaii
Idaho
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Feature Breakdown

Every Purchase (Points)

Earn 10¢ off per gallon for every $100 you spend at BP. (after 90 days of account opening)

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No Annual Fee
Annual Fee	$0
No Interest Grace Period for Late Payment	23 days
Cash Advance Fee Minimum	$5
Cash Advance Fee (%)	Up to 5%
Minimum Cash Advance Fee ($)	Starting at $10
Foreign Currency Transaction Fee	3%
Minimum Interest Charge	$2
Late Fee Amount	Up to $39

Customer Type	Personal
Minimum Age	18
Military Status	Active Duty Military Non-Military Veterans Military Dependent
Employment Statuses Considered	Employed Full-Time Employed Part-Time Other Retired Self-Employed
Immigration Status Considered	U.S. Citizen U.S. Permanent Resident
Credit Score Range	650 - 850 850 300 650

Bonus Rewards	25¢ off per gallon every time you fuel up with your BP Visa® Credit Card or BP Credit Card at participating BP and Amoco stations.
Rewards Rates	Every Purchase Gas Groceries Restaurants
Rewards Type	Cash Back

Card Type	Rewards Travel Gas
Card Network	Visa

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