Shell Drive For Five Card

Picture of Shell Drive For Five
35 Reviews
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2.7
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Best Review
OVERALL RATING
Got this card to rebuild my credit and I got approved for $200. Though the limit was small, it was better than the First Premier I have since I did not have to pay any annual fees. They key thing was for me to pay my bills in full every month so that I avoid the high interest rates.

About a year later, I applied and got approved for the Barclays rewards mastercard. Knowing what I know now, this is the card I would try first before the drive for five (since you can only use the d-4-5 at Shell).
By Lee : 04/06/2015
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Most Helpful 4-5 Star Review
OVERALL RATING
Got this card a couple of years ago.

Pros
You save money on gas
You build or rebuild your credit without nasty fees

Cons
You can only use at Shell Stations
Need a minimum fill to earn the gas savings
Rates are high if you do not pay in full

My advice is to get this card as a means to rebuild your credit before moving on to a regular Visa or Mastercard.
By checkered2 : 02/25/2014
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Most Helpful 2-3 Star Review
OVERALL RATING
I was in the credit rebuilding mode when I got this card. Prior to this, I had a secured card with a credit union. I graduated from that to a Credit One. Got my scores up to the mid 600s, and decided to get a couple of store cards and regular cards. But I got turned down for cards like Gap, and even Barclays (which is surprising given the stuff I have read on other forums.

So here is my 2 cents on this. If your scores are in the 600s, try other cards like Capital One and Barclays for example. You should be able to get those. If not, this card would be an alternative (although an inferior one because you can only use it at Shell). I suspect that scores are not the only thing that issuers look at. My past collection accounts and delinquencies are probably reasons why I got declined for other cards.
By beans4 : 05/07/2014
 
Credit Score: 591 Credit Limit: 100 Age: 65+
Posted 10/29 2016
Overall Rating:
I did have credit & pay on time.t.you.
 
Credit Score: 689 Credit Limit: 2000 Age: 65+
Posted 02/21 2016
Overall Rating:
689 credit scores. 1500.00 Credit
 
Credit Score: 0 Credit Limit: 2200 Age: 45-54
Posted 10/27 2015
Overall Rating:
We had been long time Shell card holders (23 years) and this summer without us asking for it they decided to transfer our account to a "Drive for 5" account. Due to a death in the family about a month before they did this I overlooked paying my bill and it went 30 days late. Distractions in life happen, but when Shell made this change they did report it to the credit reporting agencies properly as a transfer. They listed it as closing one account and opening a new account. My credit score dropped almost 80 points because now they are reporting both of the account numbers as 30 days late.

Between my wife and I, we have about 10 hours on the phone with Chase who manage the card for Shell. They keep saying they are reporting it right and Experian says they are reporting it right yet I still see two accounts and two 30 day late charges. If we ever get our score recovered so we can get into a new house (been waiting over 60 days to get this cleaned up) we'll close this card and never, ever do business with this bunch again.
 
Credit Score: 720 Credit Limit: 1000 Age: 55-64
Posted 09/20 2015
Overall Rating:
Citi Rocks! BOA SUCKS!
 
Credit Score: 714 Credit Limit: 400 Age: 55-64
Posted 09/17 2015
Overall Rating:
CSR of 714 - applied for the card awhile back and CL was $200 - recently upped to $400...card is fine for my use - Shell stations are close to home and I generally charge $125 or so a month and pay it off. Never an issue getting payments applied on time so far. Also have a Citi Best Buy Visa with $2000 CL - never an issue at any time. I don't necessarily need the MasterCard version of the Shell card, as I have a Discover IT card ($5500 CL) and AMEX Everyday card (CL $4000) - this is just a convenient card to use when I need it. If Citi offered the M/C, I would consider opening an account.
 
Credit Score: 638 Credit Limit: 300 Age: 25-34
Posted 06/12 2015
Overall Rating:
Give this card a 3 star rating. To me, it's just an average card which I got simply to save money on gas. The downside of this card is the high interest rates and the fact that you can only use it at Shell. If you are looking to rebuild, Capital One and Barclays would be my preferred choice.
 
Credit Score: 641 Credit Limit: 200 Age: 25-34
Posted 04/06 2015
Overall Rating:
Got this card to rebuild my credit and I got approved for $200. Though the limit was small, it was better than the First Premier I have since I did not have to pay any annual fees. They key thing was for me to pay my bills in full every month so that I avoid the high interest rates.

About a year later, I applied and got approved for the Barclays rewards mastercard. Knowing what I know now, this is the card I would try first before the drive for five (since you can only use the d-4-5 at Shell).
 
Credit Score: 715 Credit Limit: 1000 Age: 25-34
Posted 03/27 2015
Overall Rating:
I give this card a three star rating. After I got the card, I checked other gas cards and realized that most were giving you more than 5 cents per gallon in savings. But I fill up at Shell, so I guess some savings is better than nothing.
 
Credit Score: 713 Credit Limit: 700 Age: 25-34
Posted 12/12 2014
Overall Rating:
After getting the card in mail, I proceeded to set up the autopay feature. It worked well for a couple of months and then for some reason, it did not work during the third month and I got dinged with late fees etc. Was really pissed and called CSR. But they said it was "probably my banks fault" and did not refund me at all. If you are the snail mail type, then this is probably ok. But if you are the autopay sort of person, I would avoid this card.
 
Credit Score: 647 Credit Limit: 300 Age: 35-44
Posted 10/11 2014
Overall Rating:
I got approved of this card after my second attempt. When I first applied a couple of years ago, my scores were in the 500s with a couple of baddies in my report. I was also unsuccessful in applying for a couple of other gas cards. Many of you will probably look at this as a rebuilding card. But from my experience, you will only get approved if your score is in the 600s. If your scores are in the 500s, department store cards are a better bet.
 
Credit Score: 667 Credit Limit: 500 Age: 25-34
Posted 08/06 2014
Overall Rating:
If you want to get into Citi, I think this is probably the easiest to get. My credit was not great when I got this card and I had been turned down by the Citi Simplicity a year ago. My plan is to get my scores up to above 700 and then get the mastercard version.
 
Credit Score: 703 Credit Limit: 700 Age: 25-34
Posted 07/23 2014
Overall Rating:
Shell is the gas station that I go to most of the time. Before I got this card, I was comparing this and the mastercard version. For me, this one worked out better because you need to spend certain amounts to get higher cash back with the mastercard. The drive for five requires you to fill up a certain amount (which I do and is not a problem for me) but if you are able to meet that requirement, then it is a decent card to get. You cannot use it elsewhere except Shell stations. But for me, I am getting it just to save money at the pump.
 
Credit Score: 676 Credit Limit: 500 Age: 35-44
Posted 05/07 2014
Overall Rating:
I was in the credit rebuilding mode when I got this card. Prior to this, I had a secured card with a credit union. I graduated from that to a Credit One. Got my scores up to the mid 600s, and decided to get a couple of store cards and regular cards. But I got turned down for cards like Gap, and even Barclays (which is surprising given the stuff I have read on other forums.

So here is my 2 cents on this. If your scores are in the 600s, try other cards like Capital One and Barclays for example. You should be able to get those. If not, this card would be an alternative (although an inferior one because you can only use it at Shell). I suspect that scores are not the only thing that issuers look at. My past collection accounts and delinquencies are probably reasons why I got declined for other cards.
 
Credit Score: 669 Credit Limit: 500 Age: 35-44
Posted 02/25 2014
Overall Rating:
Got this card a couple of years ago.

Pros
You save money on gas
You build or rebuild your credit without nasty fees

Cons
You can only use at Shell Stations
Need a minimum fill to earn the gas savings
Rates are high if you do not pay in full

My advice is to get this card as a means to rebuild your credit before moving on to a regular Visa or Mastercard.
 
Credit Score: 710 Credit Limit: 800 Age: 45-54
Posted 12/21 2013
Overall Rating:
Before I got this card, I applied for a couple of store cards like Macys and was actually not approved? I suspect it could have been some old collections (which should drop off soon) on my CR. I decided to roll the dice with this and got approved with a $800 CL. Since I drive an SUV, filling up the required amount to earn the 5 cents savings is not problem at all for me.
 
Credit Score: 682 Credit Limit: 800 Age: 18-24
Posted 11/11 2013
Overall Rating:
Like a couple of other folks here, I got this card after my scores were in the 600s. Got dinged on my score for some mistakes a few years ago and after rebuilding with secured and a high fee card, this is my first unsecured card. Reason I got this is because I have Shell stations around my area and also because I wanted to establish a relationship with Citi.

Let's see how long it takes me to get to the 700 mark.
 
Credit Score: 673 Credit Limit: 500 Age: 18-24
Posted 10/20 2013
Overall Rating:
After a couple of years of rebuilding with a secured and then a high fee card, I was ready for a mainstream card. Wanted to get a Citi and decided to app this card. Got approved for a small $500 limit and I will soon get rid of my First Premier and save on the fees.
 
Credit Score: 613 Credit Limit: 300 Age: 35-44
Posted 09/15 2013
Overall Rating:
Got this card solely for rebuilding purposes. Score has improved to low 700s now and have gotten a Discover. So I will be ditching this card soon.
 
Credit Score: 705 Credit Limit: 800 Age: 45-54
Posted 03/10 2013
Overall Rating:
I also have this card together with the Mastercard. To be honest, the design looks nicer. Got this to really get started with Citi as I have been turned down by them on a couple of cards a few years ago. Once my score reaches mid 700s, I will try for the thankyou cards.
 
Credit Score: 658 Credit Limit: 600 Age: 25-34
Posted 02/18 2013
Overall Rating:
After applying for this card, I got the dreaded 7-10 message. I decided to just call their line and get a recon. Spoke to a nice lady and she asked me to verify my address and phone etc. After going through a couple of more questions, I was approved for a $600 CL.
 
Credit Score: 604 Credit Limit: 200 Age: 45-54
Posted 09/09 2012
Overall Rating:
I applied and got approved for this card. CL was originally $200. Once I got the card, I called them and requested a CLI. Was bumped up to $500. Yay!
 
Credit Score: 664 Credit Limit: 500 Age: 35-44
Posted 07/14 2012
Overall Rating:
I actually have both the drive for five and the mastercard with $500 CL each. So it is possible to get both. If I had it my way, I would just get the mastercard because you could earn more cash back (if you spend more - the terms of the mastercard are tiered so the more you spend on the card a month, the more cash back you earn).
 
Credit Score: 593 Credit Limit: 200 Age: 35-44
Posted 06/26 2012
Overall Rating:
I really wanted to get my foot in the door with Citi but my credit ain't so great. So I decided upon this card. Apped and got approved for $200. Hope to get the mastercard version next.

Like others have said here, you need to fill up 45 gallons a month for you to get the 5 cents savings.
 
Credit Score: 536 Credit Limit: 500 Age: 35-44
Posted 03/09 2012
Overall Rating:
I got this card with a pre-approval email. Believe they pulled EQ and got a $300 CL. To be honest, 5 cents per gallon is not much. But there are lots of Shell stations around where I live.

You also have to fill up a certain amount each month to get those savings so be aware of that.
 
Credit Score: 619 Credit Limit: 500 Age: 35-44
Posted 12/12 2011
Overall Rating:
I finally bit the bullet and got this card because I found myself using Shell most of the time. The lukoil around my area was rather expensive. My credit was not particularly spectacular so I did not want to experience hard pulls and rejection for better cards like Amex blue cash. 5 cents is better than nothing and I do fill up about 50 gallons.
 
Credit Score: 601 Credit Limit: 500 Age: 25-34
Posted 12/04 2011
Overall Rating:
I have had this card for a couple of years and never had a single credit line increase. Once my score improves to above 700, I'll get another better card.
 
Credit Score: 595 Credit Limit: 500 Age: 18-24
Posted 11/03 2011
Overall Rating:
To be honest, I got this card to rebuild my credit. 5 cents per gallon is not really great. As the review on this site pointed out, it works out to slightly more than 1% based on where gas prices are today. But with EQ score of 595, I'll take it anyway.
 
Credit Score: 637 Credit Limit: 500 Age: 25-34
Posted 08/19 2011
Overall Rating:
I got a Citgo card but decided to get this one because there were also quite a bit of Shell stations around my area. Score was in the low 600s and was not too confidant to get the MC version. But so far, I have no complaints.
 
Credit Score: 586 Credit Limit: 300 Age: 35-44
Posted 08/08 2011
Overall Rating:
I have had the shell gas card for years (before they changed it to this new "drive for five". So I guess I will give my opinion here. Though I have had it for years, I have not really used them. Then in 2009, I dusted the card out of the drawer and used it at the station but was declined. Called CSR and was told my card was canceled because it was inactive and that I was no longer profitable! Will never do business with Citi again.
 
Credit Score: 567 Credit Limit: 300 Age: 25-34
Posted 06/24 2011
Overall Rating:
Got this card to rebuild my credit. There are quite a few Shell stations around my area which is the only reason to get this card. I found out that you need to fill quite a bit of gasoline a month but luckily I do so I get the 5 cents discount.
 
Credit Score: 545 Credit Limit: 300 Age: 45-54
Posted 04/01 2011
Overall Rating:
5 cents per gallon is not a great return for a gas card. But Shell is one of the few stations I use and around my area. Upon further research, I found out that other cards are paying cents per gallon rather than a flat percentage rebate. Once my credit score improves, I might consider the MC version.
 
Credit Score: 663 Credit Limit: 500 Age: 25-34
Posted 12/17 2010
Overall Rating:
Got this card to help with my credit because I did not want to get any of those card with monthly fees. 5 cents per gallon is ok for me though I do realize there are other cards that pay 2% or 3% on gas.
 
Credit Score: 643 Credit Limit: 500 Age: 35-44
Approved 5 years after Bankruptcy
Posted 12/16 2010
Overall Rating:
I got a mail for this card and decided to try my luck. I had BKed citi 5 years ago and thought I would never get approved. But lo and behold, I did get approved. Might want to add this card to the list to "rebuild credit".
 
Credit Score: 635 Credit Limit: 750 Age: 25-34
Posted 11/24 2010
Overall Rating:
After I got this card, the first thing I did was to sign up for auto pay. It worked the first time. But after that, I got hit with a late payment fee and a $5 interest charge! Called CSR but was told it was my banks fault. I could go on and on but here is my advice. Stay clear of this card.
 
Credit Score: 612 Credit Limit: 500 Age: 25-34
Posted 11/06 2010
Overall Rating:
I actually applied for the Mastercard and got this card instead. The 5 cents savings seems ok until I read the fine prints that you have to fill up to at least 45 gallons. Should have read this because I have missed out a couple of months of savings because of the shortfall.