Conoco® Credit Card

Conoco® Credit Card Review

This is a card issued by Synchrony Bank. If you're wondering whether Conoco® Credit Card is the right card for you, read on.

Key Takeaways

• Generous reward rate. You can get a rewards rate of up to 5x.
• 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 card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
• Gas rewards. 3% cashback - 5% cashback on eligible fuel purchases.
• Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.

Pros & Cons of Conoco® Credit Card

The Good	The Bad
No annual fee. Considers applicants with fair credit. Conoco® Credit Card reports to multiple credit bureaus.	Higher than average purchase APRs. Does not offer a signup bonus. Does not offer rewards or cash back. Does not include many credit card benefits.

Conoco® Credit Card FAQ

Does Conoco® Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Conoco® Credit Card benefits?

It provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Conoco® Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

Conoco® Credit Card has a variable purchase APR of 29.99%. It also has a variable cash advance APR of 29.99% .

What are the fees for Conoco® Credit Card?

The following fees apply:

Conoco® Credit Card Fees

Fees	Amount
Annual Fee	$0
Returned Payment Fee	$29
Late Payment Fee	up to $40

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does Conoco® Credit Card report your account activity to credit bureaus?

Yes, Conoco® Credit Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Conoco® Credit Card

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