Got this card to rebuild my credit and I got approved for $200. Though the limit was small, it was better than the First Premier I have since I did not have to pay any annual fees. They key thing was for me to pay my bills in full every month so that I avoid the high interest rates.

About a year later, I applied and got approved for the Barclays rewards mastercard. Knowing what I know now, this is the card I would try first before the drive for five (since you can only use the d-4-5 at Shell).

Got this card a couple of years ago.

Pros
You save money on gas
You build or rebuild your credit without nasty fees

Cons
You can only use at Shell Stations
Need a minimum fill to earn the gas savings
Rates are high if you do not pay in full

My advice is to get this card as a means to rebuild your credit before moving on to a regular Visa or Mastercard.

I was in the credit rebuilding mode when I got this card. Prior to this, I had a secured card with a credit union. I graduated from that to a Credit One. Got my scores up to the mid 600s, and decided to get a couple of store cards and regular cards. But I got turned down for cards like Gap, and even Barclays (which is surprising given the stuff I have read on other forums.

So here is my 2 cents on this. If your scores are in the 600s, try other cards like Capital One and Barclays for example. You should be able to get those. If not, this card would be an alternative (although an inferior one because you can only use it at Shell). I suspect that scores are not the only thing that issuers look at. My past collection accounts and delinquencies are probably reasons why I got declined for other cards.