What BP offers and how to pay at the pump

BP is a major gas station chain where you can fill up with regular, mid-grade, or premium fuel and pay with a credit card, debit card, or cash. Most BP locations also let you pay inside the station or at the pump using your phone through contactless payment. The main financial product BP offers is its BP Rewards program, which gives you points on fuel purchases that you can redeem for discounts on future fill-ups or items in the convenience store.

You do not need a special card or membership to buy gas at BP — you can walk in and pay however you normally would. But if you use BP regularly, the rewards program tracks your spending and saves you money over time. The program is free to join and works whether you pay with a personal credit card, a debit card, or a BP co-branded credit card.

Key Takeaways

  • BP Rewards is a free program that gives you points on every gallon of fuel you buy, whether you use a regular credit card or a BP card.
  • You can pay at the pump with a credit or debit card, or inside the station with cash, a card, or a mobile payment app.
  • Points accumulate in your BP Rewards account and can be redeemed for cents off per gallon or items from the convenience store.
  • A BP co-branded credit card offers bonus points on fuel purchases but requires a credit check and a separate process.
  • Fuel prices and rewards rates vary by location and change frequently, so check the BP app or website for your local station's current offers.

How to join BP Rewards and start earning points

To join BP Rewards, you create an account on the BP website or through the BP mobile app using your email address and a password. You do not need to provide a credit card to sign up — the program itself is free. Once your account is active, you link a payment method (a credit card, debit card, or the BP co-branded card if you have one) so that BP can track your purchases and award points.

When you pay at the pump or inside the station, you enter your phone number or scan a code from the app, and the transaction is recorded in your account. Points begin accumulating when ready. You can check your balance and see your rewards in the app or on the BP website at any time. There is no expiration date on points, so they stay in your account until you decide to use them.

Redeeming your BP Rewards points

Points are redeemed as cents off per gallon of fuel. The exact value depends on how many points you have accumulated — typically, you need a certain number of points to unlock a discount like 5 cents, 10 cents, or 25 cents off per gallon. When you have enough points for a reward, you can set up it in the app or at the pump, and the discount applies to your next purchase.

You can also use points to buy items from the BP convenience store, such as snacks, drinks, or car supplies, though most people use them for fuel discounts. Rewards are tied to your account, not to a physical card, so you do not have to carry anything extra. The app shows you how close you are to your next reward and lets you plan when to redeem.

The BP co-branded credit card and its benefits

BP offers a co-branded credit card through a bank partner that earns bonus points on fuel purchases at BP stations. The card typically earns more points per gallon than paying with a regular credit card through the rewards program. You have to open a credit card account to get this card, which means the bank will check your credit and you will have a monthly bill to pay.

The card comes with an annual fee in some cases, though BP sometimes waives the first year. You earn points on all purchases, not just fuel, but the bonus rate applies only at BP. If you use BP frequently and pay your card balance in full each month, the card can save you money. If you carry a balance, the interest charges will likely outweigh the rewards, so it is worth calculating before you explore.

Payment methods at the pump and inside the station

At most BP locations, you can pay at the pump with a credit card or debit card by inserting it into the reader or tapping it for contactless payment. Some pumps accept mobile payment apps like Apple Pay, Google Pay, or Samsung Pay. Inside the station, you can pay with cash, a card, or a mobile app. Prices are the same whether you pay at the pump or inside.

If you are using BP Rewards, make sure the payment method you use is linked to your account so the purchase is tracked and points are awarded. If you pay with a different card than the one linked to your account, the transaction may not earn points. You can update your linked payment method in the app or on the website at any time.

Fuel grades and pricing at BP

BP stations typically offer three fuel grades: regular (87 octane), mid-grade (89 octane), and premium (91 or 93 octane). Regular fuel is the cheapest and works for most vehicles. Premium fuel costs more per gallon but is required only for certain high-performance engines — check your vehicle's manual to see what your car needs. Mid-grade is rarely necessary unless your manual specifically recommends it.

Prices vary by location and change daily based on crude oil costs and local market conditions. BP publishes prices on its website and app, and you can see the price at each station before you arrive. Some BP locations offer fuel with extra detergents or other additives at a higher price, but standard fuel is available at every pump. Rewards points are earned on all fuel grades at the same rate.

What to do if you have trouble with your account or a transaction

If points do not appear in your account after a purchase, check that the payment method you used is linked to your BP Rewards account. If it is not, the transaction was not tracked. You can link additional payment methods in the app and future purchases with those cards will earn points. If a payment method is linked but points still did not post, wait 24 hours — sometimes there is a delay in processing.

If you forget your password or cannot log into your account, use the "Forgot Password" link on the BP website to reset it. If you have other account issues or questions about a specific transaction, BP customer service can help. You can reach them through the app, the website, or by calling the number on your receipt or the back of a BP co-branded card if you have one.

Frequently Asked Questions

Do I have to use BP Rewards to buy gas at BP?

No. You can pay with any credit card, debit card, or cash without joining the program. But joining is free and takes two minutes, so you might as well sign up to earn points on fuel you are already buying.

Can I use BP Rewards points at other gas stations?

No. Points can only be redeemed at BP stations. They are not transferable to other fuel brands or retailers.

What happens to my points if I do not use them for a long time?

Points do not expire, so they stay in your account indefinitely. You can redeem them whenever you want, even if years pass between purchases.

Is the BP co-branded credit card worth getting?

It depends on how often you buy gas at BP and whether you pay your balance in full each month. If you fill up at BP weekly and pay no interest, the bonus points usually cover the annual fee. If you use other gas stations or carry a balance, a regular credit card through the rewards program is usually better.

Can I earn BP Rewards points on convenience store purchases?

Yes, if you link a payment method to your account and use it to pay inside the station. Points earned on non-fuel items are usually at a lower rate than fuel purchases, but they still add up over time.