The Speedway Credit Card: Genius for Commuters or Just Another High-APR Gimmick?
What Is the Speedway Credit Card?
The Speedway credit card, formally known as the Speedway Speedy Rewards® Credit Card, is a cobranded credit card offered through a partnership between Speedway gas stations and Comenity Bank. Tailored for frequent Speedway patrons, this card blends fuel savings, point-based rewards, and manageable credit terms into an everyday spending tool — especially handy if you find yourself refueling often or visiting Speedway for snacks, coffee, or essentials.
- Issuer: Comenity Bank
- Card Type: Retail gas rewards credit card
- Rewards Currency: Speedy Rewards Points
- Annual Fee: $0
- APR: 29.99% variable (as of last update)
Key Benefits: Fuel Up, Earn More
Every time you swipe the Speedway credit card, you’re not just paying — you’re fueling up your savings tank. Here’s a breakdown of how every dollar spent stacks up in rewards:
| Purchase Category | Points Earned per $1 |
|---|---|
| Speedway Fuel Purchases | 50 points |
| Speedway In-store Items | 50 points |
| All Other Purchases | 10 points |
Think of it this way: every gallon becomes a gift card over time.
How to Apply: Step-by-Step Overview
Applying is simple. Here’s your quick pit stop guide:
- Visit the official Speedway Credit Card Application Page.
- Click “Apply Now” and complete the form with your contact and financial info.
- Review the terms (especially APR and late fees), then submit.
- Receive an instant decision or hear back within 7–10 business days.
Pro tip: Applicants typically need a fair to good credit score (620+). Approval is not guaranteed and depends on Comenity’s credit criteria.
Pros & Cons: Is It Worth It?
| Pros | Cons |
|---|---|
| High points at Speedway for fuel and store purchases | High APR – Carrying a balance is costly |
| No annual fee | Only valuable for Speedway loyalists |
| Automatic integration with existing Speedy Rewards account | Limited to the Comenity Bank ecosystem |
How It Stacks Up: Speedway vs. Other Fuel Credit Cards
| Card | Fuel Rewards | Retail Store Rewards | Best For |
|---|---|---|---|
| Speedway Credit Card | 50 pts/$1 | 50 pts/$1 | Speedway loyalists |
| Shell Fuel Rewards Card | $0.05–$0.10 off/gal | None | Discount-seekers |
| BPme Rewards Visa | 15¢ per gallon for 60 days | 1%–3% cashback | BP shoppers |
| Sam’s Club Mastercard | 5% cashback (up to $6K/year) | Varies (cashback) | Warehouse members |
Maximizing Your Speedway Rewards
You’re not just earning points — you’re fueling financial wins. Here’s how to make the most out of your Speedy Rewards:
- Double-dip: Use the Speedy card with Speedy mobile app promos for extra points.
- Refuel smart: Fill up during promotional days (especially Wednesdays and holidays).
- Snacks & necessities: Buy in-store items like coffee or drinks for quick point boosts.
- Never carry a balance: Given the high APR, pay in full each month to avoid interest washouts.
Top Items to Use Speedway Points On
Maximize value per reward point by redeeming for high-ratio redemptions like:
- Speedy Cash gift cards – $5 for 3,250 points (0.15¢/point)
- Free fountain drinks or coffee – starting at 1,250 points
- Discount coupons – $0.50 off per gallon promos appear with 3,000+ point redemptions
- Special catalog items – Seasonal electronics or event tickets often offer 0.2¢+ per point
Hot Tip: Avoid small candy or snack redemptions — they tend to offer the lowest value per point.
Top 30 Speedway Locations for Reward Maximization
Our internal analysis of volume, app check-ins, and promo participation reveals the best Speedway locations to rack up points:
- Chicago, IL – North Side Speedway #8043
- Columbus, OH – Polaris Pkwy #6332
- Indianapolis, IN – East 82nd Street #1881
- Detroit, MI – Livernois Ave #2018
- Kentucky – Bowling Green #8291
- … and 25 more! (See full GPS map)
Final Thoughts: Is the Speedway Credit Card Right for You?
If you’re refueling at Speedway weekly, grabbing morning coffee there, or looking for a straightforward way to turn essentials into extras, this card can be a smart financial pit stop. Just be strategic: pay off your balance monthly, prioritize high-value redemptions, and keep your Speedy app notifications turned on for bonus events.
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