Phillips 66 Personal Card Disclosures
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 24.99%

     This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 29.95%

     This APR will vary with the market based on the Prime Rate.
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge If you are charged interest, the charge will be no less than $2.00.
For Credit Card Tips from the Federal Reserve Board

To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at

Annual Fee None

Transaction Fees

      Cash Advance

Either $10 or 5% of the amount of each cash advance, whichever is greater.

Penalty Fees

      Late Payment

      Returned Payment

Up to $35.
Up to $35.

How We Will Calculate Your Balance: We use a method called "daily balance."

New York residents may contact the New York State Banking Department to obtain a comparative listing of credit card rates, fees and grace periods by calling 1-877-226-5697.


  • This offer is only valid for new accounts. You must be at least 18 years of age. If you are married, you may apply for a separate account. Citibank, N.A. ("we" or "us") is the issuer of your Phillips 66 Personal Card account. Citibank, N.A. is located in Sioux Falls, SD.
  • Federal law requires us to obtain, verify and record information that identifies each person who opens an account, in order to help the government fight the funding of terrorism and money laundering activities. To process the application, we must have your name, street address, date of birth and other identifying information, and we may ask for identifying documents from you as well.
  • Please allow four weeks from date of submission to process a completed application.
  • We may gather information about you, including from your employer, your bank, credit bureaus, and others, to verify your identity and determine your eligibility for credit, renewal of credit, and future extensions of credit. If you ask us, we will tell you whether or not we requested a credit bureau report, and the names and addresses of any credit bureaus that provided us with such reports.
  • To receive a Phillips 66 Personal Card, you must meet our applicable criteria bearing on creditworthiness. Your credit limit will be determined by your yearly income or assets and a review of your credit report. You will be informed of the amount of your credit limit when you receive your card
  • You authorize us to share with Phillips 66 and its affiliates, experiential and transactional information regarding your activity with us.
Notice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request.The Ohio Civil Rights Commission administers compliance with this law.

Notice to Married Wisconsin Residents: No marital property agreement, unilateral statement, or court decree adversely affects our rights, unless you give us a copy of such agreement, statement or court order before we grant you credit, or we have actual knowledge of its terms before your account is opened.


Rewards Program Information


You will receive statement credits based upon fuel purchases made with your Phillips 66 Personal Card at Phillips 66®, Conoco® or 76® locations within the United States. You will earn a credit of five cents ($.05) per gallon on up to one hundred ten (110) gallons in each billing cycle that you purchase at least forty-five (45) gallons of Phillips 66®, Conoco® or 76® fuel. Gallons purchased will be considered for a credit in the billing cycle they are posted to your account. Credits will only be earned on fuel purchases made for personal, family or household purposes.


When calculating the amount of the credit, we will multiply the number of gallons purchased by five cents ($.05) and round to the nearest cent. In the event gallon information is not available for a specific transaction, we will determine the number of gallons purchased by dividing the total purchase amount by an average price per gallon amount obtained from the U.S. Department of Energy.


Credits will be automatically posted to your monthly billing statement. Your account must remain open and current in order for you to earn credits. When you become a cardmember, you will receive the full Rewards Program Terms and Conditions, which we may change at any time upon thirty (30) days prior written notice.