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Verdict: Free gas is attractive, especially with consumers looking at the very real possibility of paying $4 a gallon to fill up their cars this summer. But the free gas that comes with the Marathon Credit Card probably isn’t enough to make this is a must-have card in your wallet. There is one exception: If you live in Arkansas this might be the right gas card for you.
Overview: The Marathon Credit Card comes with few perks, outside of an initial offer of free gas. It also comes with purchase interest rates that can be sky-high or low depending on the state in which you reside. It’s all a bit confusing. And unless you live in one of the low-interest states, this card isn’t worth applying for. There are plenty of rewards cards out there that will give you cash back when you use them at the pump. These are far better alternatives than is the Marathon Credit Card.
How This Card Works: The Marathon Credit Card is, basically, a standard credit card. It does not come with any rewards program. The one plus? The card also does not come with an annual fee, so it is inexpensive to own.
Travel and Shopping Benefits: You’ll receive $15 worth of free gas if your application for the Marathon Credit Card is accepted. The other benefits that Marathon lists with this card — the ability to access your credit card account online, free cards for family members and acceptance at 5,100 locations — aren’t really perks. They’re the same positives that most standard credit cards offer.
Fees: Your purchase interest rate with this card will vary depending on where you live. In Arkansas, you’ll have a purchase interest rate of just 5 percent, pretty low. But if you happen to live in Georgia, Illinois, Indiana and a handful of other states, you’ll be saddled with a high purchase interest rate of 21 percent. The card’s other fees vary depending on the state in which you live, too. Your late-payment fee will range from $0 to $10, while your returned-payment fee will range from $0 to $30. There is no annual fee with this card.
- No annual fee.
- Low interest rate depending on where you live.
- $15 worth of free gas if your application is accepted.
- Purchase interest rate can be as high as 21 percent if you live in the wrong state.
- No real perks.
- No rewards program.