Gas Credit Cards for Bad Credit With No Deposit

The Ollo Everyday Rewards Mastercard^® is one of the most useful gas credit card options for people with bad credit because it offers 3% cash back at gas and EV charging stations, has no annual fee, requires no security deposit, and is designed for consumers with bad, fair, or good credit. Gas prices can make up a significant part of a household budget, so earning cash back on fuel can be especially useful if you need a credit card but do not have perfect credit. Below are six unsecured credit cards to consider, including several options with gas rewards and some cards that may be worth considering if your credit is closer to the fair-credit range.

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6 Gas Credit Cards for Bad Credit With No Deposit

If you have bad credit and want a credit card that can be used for gas without requiring a security deposit, the cards below give you several unsecured options to investigate. Some are specifically positioned for less-than-perfect credit, while others are aimed more toward fair credit. Your credit profile and the issuer's approval requirements will determine which cards you can actually qualify for.

1. Ollo Everyday Rewards Mastercard^®

The Ollo Everyday Rewards Mastercard^® is issued by Merrick Bank and is designed for consumers with bad, fair, or good credit. It offers 3% cash back at gas and EV charging stations, grocery stores, and drugstores, plus 1% cash back on other purchases.

The card has no annual fee and requires no security deposit. Ollo also provides a pre-approval process that allows you to check for an offer without an impact to your credit score. If you are approved and manage the account responsibly, the card provides an automatic review for a possible credit-line increase in as little as six months.

For someone with bad credit who wants an unsecured card that provides meaningful cash back on gas purchases without an annual fee, the Ollo Everyday Rewards Mastercard is an option worth investigating.

➤ See the Ollo Everyday Rewards Mastercard review

2. Milestone^® Mastercard^® with Cashback Rewards

The Milestone^® Mastercard^® with Cashback Rewards is an unsecured card that offers 5% cash back on the first $5,000 in gas purchases, according to the offer terms. If approved, the card provides a $1,000 credit limit, and no security deposit is required.

The card is currently listed for fair credit, so it may be more appropriate for someone whose credit has improved beyond the poorest credit ranges. The annual fee is $250 the first year and $99 thereafter, making the fee structure an important part of the decision when comparing the card with other gas-rewards options.

If your credit is in the fair range and you are specifically looking for a higher starting limit and gas rewards without putting down a security deposit, the Milestone Cashback Rewards Mastercard is another card to examine.

➤ See the Milestone Cashback Rewards Mastercard

3. Imagine^® Visa^® Credit Card

The Imagine^® Visa^® Credit Card is an unsecured card issued by WebBank that offers 3% cash back on eligible gas, groceries, and utilities, along with 1% cash back on other eligible purchases. There is no security deposit, and the card can provide a credit limit of up to $1,000, subject to credit approval.

The Imagine Visa is listed for consumers with fair or poor credit, giving it a somewhat broader credit profile than cards intended strictly for fair credit. The annual fee can be as low as $99.

If you have poor or fair credit and want an unsecured card that specifically rewards eligible gas purchases, Imagine is an option to investigate.

➤ See the Imagine Visa Credit Card review

4. Destiny^® Mastercard^® with Cashback Rewards

The Destiny^® Mastercard^® with Cashback Rewards is an unsecured credit card for consumers with less-than-perfect credit. It offers 3% cash back on the first $5,000 in gas, grocery, restaurant, and mobile phone service purchases. If approved, the card provides a $700 credit limit and does not require a security deposit.

The card is currently listed for fair credit. Its annual fee is $175 the first year and $49 thereafter, so the cost of the card should be considered along with the gas rewards.

If your credit is around the fair-credit range and you want an unsecured card with rewards on gas purchases, the Destiny Cashback Rewards Mastercard is another option to compare.

➤ See the Destiny Mastercard Cashback Rewards review

5. Aspire^® Cash Back Rewards Mastercard

The Aspire^® Cash Back Rewards Mastercard is an unsecured card offering 3% cash back on eligible gas, groceries, and utilities and 1% cash back on other eligible purchases. The card offers a credit limit of up to $1,000, subject to credit approval, and requires no security deposit.

Aspire is listed for fair credit and provides a prequalification process without affecting your credit score. If you accept an offer, a hard inquiry will be made, and final approval is subject to the issuer's requirements.

If your credit has moved into the fair range and you want an unsecured card with cash back on eligible gas purchases, Aspire is another card worth examining.

➤ See the Aspire Cash Back Rewards Mastercard

6. Fortiva^® Cash Back Rewards Mastercard

The Fortiva^® Cash Back Rewards Mastercard is another unsecured option that offers 3% cash back on eligible gas, groceries, and utilities and 1% cash back on other eligible purchases. The card can provide a credit limit of up to $1,000, subject to credit approval, and no security deposit is required.

Fortiva is listed for fair credit. The card also provides free access to a TransUnion^® VantageScore 4.0 credit score after the account has been open for 60 days, subject to registration.

If your credit is closer to fair than poor and you want an unsecured credit card that offers cash back on eligible gas purchases, Fortiva is another option to investigate.

➤ See the Fortiva Cash Back Rewards Mastercard

Which Gas Credit Cards Are Available With Bad Credit?

Several unsecured cards are available to consumers with bad or less-than-perfect credit, but approval depends on the individual card's requirements. The Ollo Everyday Rewards Mastercard and Imagine Visa are particularly relevant when you want a card that combines gas rewards with an unsecured credit line. Some of the other cards listed above are aimed more toward fair credit, so they may become additional possibilities if your credit score and overall credit history have improved.

You do not necessarily need a secured credit card to earn cash back on gas. The cards above do not require a security deposit, although some have significant annual fees or other costs that should be reviewed before applying.

Can I Get Gas Rewards With Bad Credit?

Yes. Some unsecured credit cards offer cash back on gas purchases even for consumers with less-than-perfect credit. The Ollo Everyday Rewards Mastercard offers 3% cash back at gas and EV charging stations, while Imagine, Aspire, and Fortiva offer 3% cash back on eligible gas purchases. The Destiny Cashback Rewards card offers 3% on the first $5,000 in gas purchases, and the Milestone Cashback Rewards card offers 5% on the first $5,000 in gas purchases under its offer terms.

The important difference is that rewards are only one part of the cost of a credit card. Before applying, look at the annual fee, credit limit, eligibility requirements, and other account terms to determine whether the card makes sense for your situation.

What If My Credit Is Better Than Bad?

If your credit has improved from poor into the fair-credit range, you may have additional choices. Several cards on this page are currently listed for fair credit, including Milestone Cashback Rewards, Destiny Cashback Rewards, Aspire, and Fortiva. Imagine is listed for fair or poor credit, while Ollo is designed for bad, fair, or good credit.

That means it can be useful to look beyond cards marketed strictly to people with bad credit. As your credit profile improves, cards with better rewards, larger potential credit limits, or different fee structures may become available.

Check Your Prequalification Before Applying

If a card offers prequalification, consider using that process before submitting a full application. A prequalification or pre-approval check generally uses a soft inquiry and does not affect your credit score, although accepting an offer and proceeding with an application can result in a hard inquiry. Always review the current terms shown by the issuer before completing an application.

For the cards above that provide a prequalification option, you can use the individual review pages to examine the offer and check your potential eligibility before deciding whether to proceed.