you're one of those credit card consumers who still doesn't have a Phillips 66 gas credit card, you may want to reconsider your actions. After all, these gas credit cards have quite a few benefits and perks. Wondering what makes a Phillips 66 gas credit card so special? I have the answers.

Pay-At-The-Pump Convenience

Remember back in the old days you had to actually trudge from your car to the gas station attendant and back to your car again to pay for your gas purchases? That's not the case when you have a Phillips 66 gas credit card.

With a Phillips 66 gas credit card you get the convenience of paying for your gas purchases at the pump. You don't have to walk from your car or wait in line to pay. Just swipe your card and go.

No Annual Fees

Unlike some gas credit cards on the market, there's no annual fee associated with the Phillips 66 gas credit card. Why pay $30 or even $50 a year for the privilege of carrying gas credit cards when you have the option of paying no annual fee at all?

25-Day Grace Period

It's no secret that credit card companies keep cutting back their grace periods (and some have been doing away with them altogether). Not Phillips though! The Phillips 66 gas credit card offers a generous grace period of 25 days. If you're sick of seeing grace periods whittled away, this will prove to be a breath of fresh air.

Easy Tracking

Using the Phillips 66 gas credit card for your gas purchases makes it easy to see exactly how much you're spending on gasoline each month. If you notice a spike in usage you can adjust your driving habits accordingly, which can save you money in the long run.

A Word to the Wise

Now, as great as a Phillips 66 gas credit card can be, there's one thing I must warn you about... The interest rate isn't exactly anything to drool about. Because of that, you'll want to pay the balance in full as soon as the statement comes in. This is not a card you want to be paying finance charges on.

Just remember, paying your balances off in full each month means you never even have to worry about the interest rate. After all, you don't pay finance charges on what you don't owe. If you're still wondering which of the gas credit cards is best for you, take another look at the Phillips 66 gas credit card – you may find it's the perfect card for you.