How to Make CITGO Credit Cards Payment

CITGO logoThe CITGO credit card is issued by CITGO and managed by Citi. CITGO is one of the world’s largest oil refiners. This are the cards under it:



  • CITGO Classic MasterCard®
  • Citi ® CITGO MasterCard®
  • CITGO Classic Preferred® Visa®
  • CITGO Plus Credit Card
  • CITGO Gold MasterCard®
  • CITGO Preferred® Platinum Visa®
  • Citi ® Platinum Select® CITGO MasterCard®

About CITGO Card

The CITGO card offers a 5 cent off on every gallon of gas. On the downside though, it is pretty much limited to CITGO branded stations. However, they do provide a flexible payment option. And if you can’t pay your bill in full in any month, you can make the minimum payment due and pay the balance later.

The card also protects you from fraudulent purchases which mean that you will not be held responsible for any unauthorized purchases made with the card.

Additional cards are also provided at no extra cost so that you can put your entire family’s fuel expenses in a single statement. This will make it easy for you to track your fuel expenses month on month.

The Annual Percentage Rate (APR) for purchases is 24.99%. The APR cash advance is higher at 29.95%. The Cash Advance Fee is set at $10 or 5% of the advance amount whichever is higher. Balance transfers are however not allowed.

There is a grace period of 25 days to make your monthly payment before the interest starts to kick in while the maximum chargeable late fee comes at $35.

CITGO Credit Cards Payment Options

Citgo offers multiple payment options. You can make your payment either by phone, mail or online. Payment by phone will incur an additional fee while payment by mail will probably take a few days. The online payment solution is the easiest of them all as it provides speed and cost benefit.

How to Pay for a Citgo Card Online

CITGO Pay My BillLogin to the CITGO official website at

On the left column, you will see a “Pay My Bill” button. Click it and a new portal will open at

If you are unregistered at, you can scroll down and click the “Register” button. You will have to enter your 16 digit credit card number and any other information you are asked for. You will also be required to select a username and password which will enable you to login to and make your CITGO credit card payment.

CITGO Credit Card

Once you have the username and password, enter the same in your “Sign In” page and click the “Sign On” button.

CITGO Credit Card register

You will then enter the CITGO homepage. You can then enter your bank account information and your payment amount and click the “Pay Now” button. You have the flexibility to edit or add other bank accounts for card payments.

Once your payment is processed, you will receive a reference number. You should note down the number so that you can reference the same in any future dispute regarding the payment.

Apart from the online payment solution, CITGO also offers its customers with a set of tools to manage their credit. You can view your recent activity online, sorted by date or amount. You will then be able to download the same and create a customized report of your credit card transactions.

If one still want to pay their bill the old way, they can send their payments to:

Overnight Payment Address:
4740 121 st Street
Urbandale, IA

Mail/Priority Mail Payments:
Processing Center
Des Moines, IA