RateHerald

Our illustration, not the card’s design

FNBO credit card

Wawa Mastercard®

No annual fee. Purchase APR 30.49–30.99%, variable.

Checked Nov 1, 2026Updated

Annual fee
Purchase APR · variable
Foreign transactions
Credit asked

Select an underlined figure to see where it comes from.

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender$0$0
Typical spender$0$0
Heavy spender$0$0
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

Assumed: points valued at an assumed 1¢; rewards spendable only with points: not counted (brand_rewards).

$0a year

The same in the first year and after.

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at an assumed 1¢; rewards spendable only with points: not counted (brand_rewards).

$0a year

The same in the first year and after.

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: points valued at an assumed 1¢; rewards spendable only with points: not counted (brand_rewards).

$0a year

The same in the first year and after.

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: points valued at an assumed 1¢; rewards spendable only with points: not counted (brand_rewards).

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

  • No annual fee, like about 85% of the 711 cards we track.

Other points cards with no annual fee

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Rewards

How you earn

3×
3X points per $1 spent on Wawa purchases (excluding fuel at the pump)
1×
Everything else

Points per dollar. “What it’s worth” values a point at an assumed 1¢.

Benefits

  • Save 75¢ per gallon at Wawa pumps for the first 30 days as a statement credit; then save 5¢ per gallon every day after that. Limited-time offer valid September 8, 2026 through October 31, 2026. Must apply through this advertisement; offers may vary depending on where you apply.
  • A $25 Wawa gift card is automatically awarded for every 2,500 points earned.
  • Cardholders can earn additional fuel savings by adding the card to the Wawa App.

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Balance transfer fee
Cash advance APR
Cash advance fee
Late payment
Foreign transactions
Grace period
Minimum interest charge

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)

Questions

What is the annual fee?
None · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Does it charge a foreign transaction fee?
Yes: 3%. · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
What is the purchase APR?
30.49–30.99% APR · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Read the card agreement

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