The QT Gas Card can be a convenient way to manage fuel expenses while earning savings at QuikTrip locations. If you’re thinking about applying, it’s important to know what credit score is needed and what other factors might influence approval.
Taking the time to strengthen your credit profile before applying can increase your chances of getting approved and help you qualify for better terms.
Credit Score Requirements for a QT Gas Card
A credit score of at least 580 is generally recommended to qualify for a QT Gas Card. While this is the minimum suggested score, having a higher score can improve your approval odds and may also unlock better terms. Lenders will also consider factors such as your income, payment history, and overall financial stability when reviewing your application.
Comparing QT Gas Cards
Here’s a brief overview of the QT gas cards available:
- QT Fleetmaster: Ideal for individuals who primarily fuel up at QuikTrip locations, the QT Gas Card offers savings of up to 5¢ per gallon* at every QuikTrip station. Key features include flexible payment options, online account management, and the ability to track fuel expenses easily.
- QT Fleetmaster Plus: For those requiring nationwide fueling flexibility, the QT Gas Card Plus offers card acceptance at over 95% of fueling locations across the country. In addition to the features of the QT Gas Card, the Plus card provides savings of up to 3¢ per gallon* at QuikTrip locations, depending on monthly fueling volume.
*Rebates appear as account credits on the same billing statement with your monthly purchase, and are subject to change without prior notice.
Strategies to Increase Your Chances of Approval
- Review your credit report: Before applying for the QT Gas Card, make sure you know your credit scores and understand what’s on your credit reports. This will give you a better idea of whether your application is likely to be approved. You can get a free copy of your credit report from each of the three major credit bureaus – Equifax, Experian, and TransUnion – once every 12 months at AnnualCreditReport.com.
- Reduce your credit utilization: Credit card issuers look for low credit utilization, as high utilization can signal financial stress and an increased risk of not being able to pay back debts. Aim to keep your credit utilization below 30% to show responsible use of credit.
- Limit your credit inquiries: Each time you apply for new credit, it results in a hard inquiry on your credit report. Having too many inquiries in a short period can hurt your credit score and lower your chances of approval. Space out your credit applications and only apply when necessary.
- Demonstrate steady income: A stable income indicates to a credit card issuer that you have the means to pay back any charges you make on the card. Ensure that your income is accurately and consistently reported on your credit applications.
- Improve your payment history: Your payment history is a significant factor in your credit score. Make sure to pay your bills on time and in full, as late or missed payments can negatively impact your credit rating.
Seeking Help to Improve Your Credit
If your credit score isn’t high enough to qualify for a QT Gas Card, there are steps you can take to improve it. Making on-time payments, lowering credit card balances, and checking your credit report for errors can all help strengthen your credit profile.
For those who need expert guidance, credit repair services may be an option. Credit Saint works with clients to dispute and potentially remove negative items like late payments, collections, and charge-offs. Visit their website for a free credit consultation and see what steps you can take to improve your score.
