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Phillips 66, Conoco and
76 Stations
FAQs

Please note: The Phillips 66, Conoco, and 76 credit cards are issued by Citibank, N.A.  Phillips 66 Company has entered into a relationship with Citibank to offer Phillips 66-Conoco-76 credit cards to its customers.

Receiving Customer Service:
How can I call Customer Service about my account?
You'll find a list of card-specific phone numbers under the Contact Us menu. The Customer Service number is also printed on the back of your card.
Where can I mail my credit card payment?
The payment mailing address is provided on the Contact Us menu and on your paper or online statement. You can also find the mailing address or make an electronic payment under the Make a Payment menu in Account Online.
How can I pay my bill?
Payments are accepted by mail, overnight delivery and online via our free Account Online service. Other fee-based options include paying by phone and Western Union Quick Collect®.
Will I automatically receive a new card when my card expires?
Your account status is reviewed at the time of expiration. If it is open and in good standing, a new card(s) will automatically be sent to you if you qualify. A new card(s) is sent to you prior to the expiration date so that you have it when the old one expires.
How can I access my credit card account online?
Select the appropriate Phillips 66-Conoco-76 card product under Account Sign On. Next, register for Account Online to get a User ID and Password. Then you can sign on with your User ID and Password.
Once I register, when can I begin making online payments?
During your enrollment in Online Services, we'll check to see if you've made a credit card payment in the last 6 months via the same bank account you've elected within Online Services. If so, you'll be authorized to make an Online Bill Payment right away. If our system is unable to validate your bank account information immediately, it will take 6 business days to verify your information and process your enrollment.

Please note: Accounts cannot be paid in full in the first month of Account Online enrollment.
What services are available online?
Once you register for FREE Account Online, you can:
• Review current statements
• Check unbilled charges
• Schedule payments
• Submit questions and requests
• Update your account profile
• Download reports
• and more...
When are my online payments credited to my account?
If we receive your request to make an online payment by 5:00 P.M. Eastern Time, your payment will post to your credit card account the same day. If we receive your request to make a payment after 5:00 P.M. Eastern Time, your payment will post to your account the next day.

Is there a fee for Online Services?
No. Online Services is a free benefit.
Do you charge a fee to pay online?
No. The online payment feature is free. The minimum payment cannot be greater than your current balance and has to be at least $1.00.
Will I continue to receive statements in the mail if I pay my bill online?
Yes, you will still receive your statement by mail. Note: You may also view your statement information by going to View My Account and selecting Statements.
If I pay online, can I still make payments via the mail?
Yes. You may pay your bill by mail, online or in combination.
What services are available over the phone?
Through our automated phone service, you can conveniently:
• Check your Account Balance and Available Credit
• Verify Last Payment Amount and Last Payment Date
• Check when your Current Minimum Payment is due
• Request a Duplicate Statement
• Request Recent Transaction Information
• and more...
Do you offer customer service assistance for the deaf and/or hearing impaired?
Yes. You'll find a list of card-specific TDD/TTY phone numbers under the Contact Us menu.
Applying for a Credit Card
How do I apply for a card?
It’s easy. Choose the Apply button for the credit card you are interested in, complete the required information fields and submit your application for processing.
Is it safe to apply online?
Yes. Citibank uses Secure Sockets Layer ("SSL") for secure transmissions. SSL encrypts, or scrambles your application field data before they leave your computer and then unscrambles them at the receiving end - our corporate Internet server. All our online application information is kept on a secure server and is protected by a firewall. A firewall protects the server much like a structural firewall protects buildings from spreading flames. As an added precaution, the firewall is monitored for security breach attempts.
How old do I have to be to get a credit card?
You must be 18 years or older to apply.
Do I have to be a resident of the United States to apply?
Yes. Only United States residents may apply.
Why do you need my Social Security number?
Your Social Security number is required to check your credit history with a national credit bureau and is strictly confidential.
Why do you need to know my income?
Federal regulations require that we assess your ability to make the required payments under the terms of the account. Applications submitted without income information will not be considered for an account.
If an authorized user is added to the account, will their credit be checked as well?
No. Since you’re authorizing another person to use your credit card, there is no need to check their credit history.
What is the credit limit?
Your credit limit will be determined by your yearly income and a review of your credit report. The credit limit will be noted within your card issuance welcome kit and on your monthly statement.
What if I don't answer all of the questions on the application?
All required fields and questions on the online application must be completed for us to be able to process it.
How will I be notified if my application is approved?
You may receive an instant response. However, If we are unable to provide you with an instant response, then we will notify you by postal mail within 30 days regarding the status of your application.
How long will it take to receive my card?
Citibank will notify you within 30 days regarding your application. Provided that your application is approved, you'll receive your credit card(s), along with information explaining the features, benefits and details pertaining to the card(s).
How can I check the status of my submitted application if I have not received my card(s)
or a response letter?
You'll find a list of card-specific application status phone numbers under the Contact Us menu. Please keep in mind, application processing can take up to 30 days to complete.
Using your Credit Card:
Where can I use my card?
You can use your credit card at any Phillips 66, Conoco or 76 branded location nationwide.
How can I find the nearest station or a station on my trip route?
To search for a Phillips 66, Conoco or 76 branded location near you or on your trip route, use the station finder service.
Do most stations allow you to pay at the pump?
This convenience is available at many of the thousands of Phillips 66, Conoco and 76 branded locations nationwide.
Is there an extra fee for ordering cards on my account for family members or business
associates?
No. Just call Customer Service to request additional cards. You’ll find card-specific customer service phone numbers under the Contact Us menu. You can also call the number on the back of your card.
Is there a fee to replace a lost or stolen card?
No. Simply call Customer Service to report your card lost or stolen. We will issue you a replacement card right away. You'll find card-specific customer service phone numbers on the Contact Us menu. You can also call the number located on the back of your card.
Can I use my card to get extra cash?
Yes, you can use your Personal Card at any CIRRUS® accepting ATM nationwide (cash advance fees will apply). The Commercial Card does not offer ATM access.
Is my account revolving or non-revolving?
Your account is revolving, which allows you to pay the minimum payment due each month, instead of paying the full balance.
Are there late payment fees?
We will assess a late fee for each billing period you fail to make the minimum payment due by its due date. This late fee is described in the Terms and Conditions which accompany the application and in the Card Agreement you will receive with your card.