What the Speedway Credit Card offers

The Speedway credit card is a co-branded card issued by Synchrony Bank in partnership with Speedway, the convenience store and fuel chain. It earns rewards on purchases at Speedway locations and offers a promotional financing period on new purchases. The card carries an annual fee, which means you pay to hold it whether you use it or not.

The card's main appeal is concentrated rewards at Speedway — the issuer's own network. If you buy fuel, snacks, or other items at Speedway regularly, the rewards rate makes sense. If you use it elsewhere or only visit Speedway occasionally, the annual fee becomes harder to justify against cards with no annual fee and broader rewards categories.

Key Takeaways

  • The Speedway card earns a higher rewards rate at Speedway locations but a lower rate everywhere else, making it useful only if you spend regularly at Speedway.
  • An annual fee applies, so you need enough Speedway spending to earn rewards that offset the cost of holding the card.
  • The card offers a promotional 0% APR period on new purchases, but only if you are approved and the offer applies to your account.
  • Synchrony Bank issues the card, so you manage the account through Synchrony's website or app, not through Speedway directly.
  • The card is a store card, meaning it works only at Speedway and partner locations — not at other gas stations or retailers.

Rewards structure and earning rates

The Speedway card earns rewards points on all purchases, but the rate varies by where you spend. At Speedway locations, you earn a higher rate per dollar spent. Outside Speedway, the earning rate drops significantly. This tiered structure means the card's value depends almost entirely on how much you spend at Speedway itself.

Rewards points can be redeemed for discounts on fuel and in-store purchases at Speedway. The redemption value varies — some promotions offer bonus point multipliers or accelerated earning during certain periods. Check your account terms or Synchrony's website for current redemption rates, as these change and are not fixed.

Because this is a store card, you cannot use rewards at other fuel stations or retailers. If you split your fuel purchases between Speedway and other chains, or if you buy most groceries and gas elsewhere, the card's rewards become less valuable relative to the annual fee.

Annual fee and how to evaluate the cost

The Speedway card charges an annual fee. To determine whether the card makes financial sense for you, calculate how much you would earn in rewards over a year at your typical Speedway spending level, then subtract the annual fee. If the net is positive, the card may be worth keeping. If it is zero or negative, a no-annual-fee card — even with lower rewards rates — will save you money.

Many general-purpose credit cards offer no annual fee and earn rewards on fuel purchases at any station. Depending on your Speedway spending volume, one of those cards might deliver more value. Compare the rewards you would earn at Speedway on this card against what you would earn on a no-fee alternative at any fuel station, then factor in the annual fee.

Promotional 0% APR period

New cardholders may receive a promotional period during which new purchases carry 0% APR — no interest charges. This period has a set length, usually measured in months, and applies only to purchases made during the promotional window. After the period ends, the regular APR applies to any remaining balance.

The 0% APR offer can reduce the cost of a large purchase if you pay off the balance before the promotional period ends. However, if you carry a balance past the end date, interest accrues at the regular APR, which can be high on store cards. Use the promotional period strategically: make the purchase, then pay it down aggressively so you do not owe interest when the offer expires.

How the card compares to general-purpose fuel rewards cards

A general-purpose card with no annual fee and fuel rewards — such as a card that earns a flat 2% to 3% on all purchases or a higher rate specifically on gas — often delivers more value than a store card if you buy fuel at multiple stations. You also keep the card's rewards even if you stop visiting Speedway, whereas the Speedway card becomes a pure cost if your spending there drops.

Store cards like the Speedway card are designed to lock in customer loyalty by making rewards valuable only within that chain. If you are a committed Speedway customer who visits multiple times per week, the higher earning rate at Speedway may outweigh the annual fee and the card's limited use elsewhere. If you visit Speedway occasionally or split your fuel purchases across stations, a no-fee alternative is likely cheaper.

Managing your account and making payments

The Speedway card is managed through Synchrony Bank's online portal or mobile app, not through Speedway's website. You log in with your Synchrony credentials to view your balance, make payments, and track rewards. Payments can be made online, by phone, or by mail. Synchrony also offers automatic payments if you want to may support you never miss a due date.

Interest charges begin accruing on purchases the day after the statement closing date if you do not pay the full balance. To avoid interest, pay your full statement balance by the due date each month. If you carry a balance, the APR applies to the entire amount, not just new purchases.

Who should consider this card

The Speedway card makes sense for someone who visits Speedway multiple times per month, buys fuel and snacks there regularly, and is willing to use a store card exclusively for those purchases. If you spend $50 or more per month at Speedway, calculate whether the annual rewards would exceed the annual fee. If the answer is yes, the card is worth considering.

The card is less useful if you buy fuel at multiple stations, visit Speedway only occasionally, or prefer the flexibility of a general-purpose card that works everywhere. In those cases, the annual fee becomes a drag on your finances without enough rewards to offset it.

Frequently Asked Questions

Can I use the Speedway card at gas stations other than Speedway?

No. The Speedway card is a store card that works only at Speedway locations and any affiliated partners Speedway has designated. You cannot use it at other fuel stations or retailers. If you want a card that earns rewards at any gas station, you need a general-purpose credit card instead.

What happens to my rewards if I close the card?

Rewards points are typically forfeited when you close the account, so redeem any remaining points before you cancel. Check your cardholder agreement or contact Synchrony to confirm the policy on your specific account, as terms can vary.

Is the 0% APR offer automatic, or do I have to request it?

The promotional offer is tied to your account at approval. If you were approved for the offer, it applies automatically to new purchases made during the promotional window. You do not need to request it. If you were not approved for the promotional offer, it will not appear on your account.

Can I use this card to pay my Speedway fuel pump directly?

Yes. You can use the card at Speedway fuel pumps and inside the store for purchases. The card works like any other credit card at the point of sale. Rewards are earned on all purchases made with the card at Speedway.

What is the regular APR if I carry a balance?

The regular APR varies by creditworthiness and is disclosed in your cardholder agreement or on Synchrony's website. Store cards typically carry higher APRs than general-purpose cards. Contact Synchrony directly or check your account terms to see the APR that applies to your card.