Credit Cards

A Shell Federal Credit Union MasterCard credit card gives you worldwide charging privileges and savings, all in one card. Plus, Shell FCU credit cards are accepted at over 400,000 locations for purchases and to obtain cash. Every new Shell FCU MasterCard Credit Card qualifies for a low introductory rate of 2.99% APR* for the first 12 billing cycles.

Shell FCU is excited to offer all cardholders 0% APR on all Balance Transfers for 12 months. Why make another payment on a higher-rate credit card when you can save money with Shell FCU? Take advantage of this great offer today!

  • Save money – By transferring higher-rate balances, you can save on your monthly payment and on finance charges.
  • Consolidating simplifies payments – By transferring to a single low-interest credit card, you are simplifying your financial life.
  • No qualifying score – All Shell FCU credit cardholders qualify for this special balance transfer offer.
  • No balance transfer fees – There are no balance transfer fees when transferring balances to your Shell FCU card.

Balance Transfers are processed in accordance with your Credit Card Agreement and are subject to credit availability. For specific information about this offer, please call (713) 844-1100 or visit any Shell FCU branch and speak with a Financial Services Representative.


Rewards Credit Card Video


Product Name APR*
MasterCard Introductory Rate 2.99%**
Platinum MasterCard 7.50% - 17.99%

Available with credit line limits of $500 to $30,000.

Rewards MasterCard 8.50% - 17.99%

Available with credit line limits of $3,000 to $30,000.

Shell FCU’s Rewards MasterCard Credit Card allows you to earn points for your everyday purchases. Receive 1 point for every $1 spent on qualifying purchases. From groceries to fuel, your purchases will really add up. Plus, earn bonus points from the Perks Points Mall and More Points Superstore. Points can be redeemed via PC or mobile device for gift cards, merchandise, travel, experiences and charitable contributions.

Rates current as of 3/28/2017.

Interested in consolidating credit card debt, building credit, increasing your credit card limit or upgrading to a Platinum or Rewards Shell FCU Credit Card?

Apply Now

Additional Shell FCU Credit Card benefits:

  • Free Account Alerts: Receive automatic account alerts like payment reminders, balance updates, account activity warnings, and more
  • Free Interactive Texting: Send a text message and quickly receive balance, transaction history, payment due date, and more
  • Free eStatements: eStatements are convenient, secure and environmentally friendly. Each month, you'll receive an email notifying you that your statement is ready

To enroll in these free services, log into Online Banking and click Credit Card on the left side under Services. Then choose your card and click submit. You will be redirected to the GoToMyCard website to manage your credit card options. Click Products and Services on the top navigation bar. The options on this page will allow you to enroll and change your service options. If you need assistance please contact us at (713) 844-1100.

Balance Transfers
Consumer Credit Card Agreement

MasterCard SecureCode

When you're done shopping online, make sure your card is too. Guard your card on the web. With MasterCard™ SecureCode™ is a free service to enhance your existing MasterCard account. A private code means added protection against unauthorized use of your card when you shop online at participating merchants.

Choose your own SecureCode™


*APR denotes Annual Percentage Rate. **Shell FCU Credit Cards: Variable rate account. Your rate will be determined by your credit score. The 2.99% introductory Annual Percentage Rate (APR) for twelve months is for new cardholders only. After introductory period ends, your APR will be based on your credit worthiness. The variable APR will vary with the market based on the Prime Rate, and will not exceed 17.99%. If at any time your APR is subject to a 17.99% rate, a $45 annual fee per account will be automatically charged to the cardholder's card account the first billing cycle and every year on the anniversary month of the card thereafter. Your balance will be calculated using a method called "average daily balance" (including new purchases). Other restrictions may apply and full terms and conditions are available at www.ShellFCU.org. Rewards Credit Card: Existing Shell FCU cardholders need to requalify for the Rewards card. A minimum credit score of 680 is required to qualify with at least a $3,000 credit line. Point earnings are based on the new net retail purchase transaction volume (i.e., purchases less credits, returns and adjustments) charged to the card during each periodic billing cycle. Points will not be earned or accumulated for cash advances, convenience checks, finance charges, balance transfers, late fees, or annual fees. The redemption website is www.MyShellRewards.com.