The Wawa Credit Card can help you save on gas, but you’ll likely need at least a fair credit score to qualify. Keep in mind, the card has a high interest rate and a substantial late fee, so you’ll need to pay your statement balance in full and on time each month to avoid charges. We have more on the Wawa credit card approval odds below.
What You Need to Know About the Wawa Credit Card
The best thing about the card is that it gives you a 5-cents-per-gallon discount on gas at Wawa. Some of the downsides include: the card can only be used at Wawa and it has a high interest rate and a substantial late fee, so you’ll need to make sure to pay your bill in full and on time every month. Here are some more details about the Wawa Credit Card:
- Annual fee: None
- Fees: Late payment charges can be up to $38
- Rewards: 25 cents off each gallon of gas purchased at Wawa for the first two months, then 5 cents off per gallon of gas purchased at Wawa up to 100 gallons per billing cycle
- Apply for a Wawa Credit Card online or in-store
Wawa Credit Card Approval Odds
There is no official minimum credit score to be approved for a Wawa Credit Card, as confirmed by customer service representatives from Wawa and Citigroup. But, to give you an idea of the type of credit scores that are being approved, we researched other retail store credit cards from Citi. In our research, we found that you generally need at least a fair credit score (above 630) to be approved for a Citi-backed card. If your credit score is 700 or greater, you will very likely be approved.
According to our communication with the company, other factors are considered beyond on your credit score, which is why there is no minimum credit score requirement. Card issuers typically look at things like your debt-to-income ratio and any blemishes on your credit history, such as delinquencies, collections, or bankruptcies.
In our research, we found you’ll need at least a fair credit score to be approved for a Wawa Credit Card. But Citi will also take into account factors beyond your credit score, which is why there is no minimum credit score requirement.