So you love getting your hoagies, Sizzlis, and coffee at Wawa and want to earn some rewards for your frequent trips. You’ve seen the ads for the Wawa credit card and are wondering if it’s worth applying for.
Before you fill out that application, you’ll want to make sure this card is actually going to save you money and not end up being an expensive money pit. We did a deep dive into the Wawa credit card so you know exactly what you’re getting into.
if you’re a die-hard Wawa fan, this card can be rewarding, but it really depends on how often you fill up and grab snacks. Here’s everything you need to know to decide if the Wawa credit card deserves a spot in your wallet or not.
Wawa Credit Card Overview: Rewards and Fees
The Wawa credit card offers generous rewards for fueling up at Wawa gas stations. You’ll earn 15 cents per gallon back in rewards on your first $100 in gas purchases each month. After that, you get 3% back at Wawa and 2% on dining and groceries. The rewards add up fast if you frequently fill up at Wawa.
To earn rewards, you have to activate the offer each month. You can redeem rewards for Wawa merchandise, gift cards, and cash back. Rewards expire after 6 months.
There’s no annual fee for the Wawa credit card. However, the ongoing APR is high at 26.24%, so you’ll want to pay the balance in full each month to avoid costly interest charges. Late fees also apply if you miss a payment.
The Wawa credit card is best if you routinely buy gas at Wawa and pay on time each month. The generous rewards and no annual fee can save you a nice chunk of change. But if you carry a balance or fill up elsewhere, a generic cash back card may suit you better.
Check your credit score before applying to make sure you are eligible. If accepted, you may begin saving money on Wawa petrol and collecting rewards right now. The Wawa credit card offers a rewards program that loyal Wawa consumers should take advantage of.
Maximizing Wawa Credit Card Gas Rewards
To get the most out of your Wawa credit card, focus on using it for gas purchases. You’ll earn 15 cents per gallon back in Wawa rewards on your first 100 gallons each billing cycle, then 5 cents per gallon after that.
Fill up at Wawa
Always fill up at Wawa gas stations whenever possible. Their fuel is competitively priced, so you won’t pay more per gallon just to earn rewards. At 15 cents per gallon back, if you fill up 20 gallons a week, that’s $12 in Wawa cash back each month!
Pay at the pump
Pay at the pump using your Wawa credit card to automatically get the discount. There’s no need to go inside or scan any offers. The savings are applied directly to your bill.
Redeem rewards for gas or in-store
You can redeem your Wawa rewards for statement credits to offset gas purchases, or use them for food, drinks, and more inside Wawa stores. $50 in rewards is enough for a fill-up or a few meals.
Refer friends
Refer friends to sign up for a Wawa credit card and you’ll both get a $25 reward. There’s no limit to the number of friends you can refer. Help them earn gas rewards and you’ll benefit too.
With some simple strategies, the Wawa credit card can be rewarding without costing you extra. Focus on using it for what it’s best at – saving you money on gas at Wawa. Fill up, pay at the pump, get free rewards and refer friends. Before you know it, you’ll have a free tank of gas or maybe even a free lunch!
Is the Wawa Credit Card Right for You?
So, is the Wawa credit card right for you? That depends on your needs and spending habits.
Earning Rewards
If you’re a frequent Wawa customer and do a lot of your fuel and food shopping there, the rewards can really add up. You’ll earn one point for every $1 spent at Wawa stores.
Those points can then be redeemed for products, gift cards, coffee or drinks, or discounts on fuel. For big Wawa fans, these perks and points can translate to major savings over time.
However, if you only stop by Wawa occasionally, the rewards likely won’t offset the annual fee. The earnings rate of one point per dollar spent is decent but not exceptional. There are other gas credit cards with no annual fee that offer similar or better rewards rates.
Redemption Options
Wawa offers a good range of redemption options for the points you earn. You can cash in points for Wawa merchandise, gift cards to places like Amazon or Starbucks, rolls of lottery tickets, or money off your next fuel purchase. The minimum for most redemptions is only 2,000 points which equals $10.
While the options are fairly broad, the one downside is that points can only be used at Wawa. They have no cash value and can’t be transferred to travel partners or other loyalty programs. For maximum flexibility, a general travel credit card may be better.
Fees to Consider
The Wawa credit card does come with a $20 annual fee. While the perks and rewards can potentially offset this cost, it’s something to keep in mind, especially if you’re an infrequent Wawa shopper.
The card also charges higher-than-average APRs, so if you think you may carry a balance from time to time, a different card would probably save you money.
All in all, if Wawa is your go-to for gas and snacks, the Wawa credit card can be rewarding. But for more flexibility or lower costs, a general cash back or travel card may suit you better. Evaluate your needs and spending to determine if this niche store card is right for your wallet.
Conclusion
So there you have it, the good, the bad, and the ugly of the Wawa credit card. Overall, if you frequently fill up at Wawa, this card could be worthwhile for the fuel savings alone.
But if you’re looking for a card to maximize your rewards on all your spending, you’ll probably want to keep shopping around.
At the end of the day, you know your spending and rewards habits best. If the idea of 30 cents off per gallon and surprise bonus offers at the pump gets you excited, the Wawa card might just become your new sidekick on road trips.
But if you want flexibility and bigger bonuses for bigger spending, don’t let those fuel rewards tempt you into a card that won’t work as hard for you everywhere else. The choice is yours!