How to add a payment at RaceTrac

You can add a payment method to your RaceTrac account through the RaceTrac mobile app or their website. The process takes about five minutes and stores your card or bank account information so you can pay faster at the pump or inside the station. RaceTrac accepts most major credit cards, debit cards, and their own RaceTrac rewards card.

The payment method you add becomes available when ready for use at any RaceTrac location. You can store multiple payment methods and choose which one to use each time you fuel up. If you delete a payment method later, it stops working right away — any recurring charges or subscriptions tied to that card will need to be updated separately.

Key Takeaways

  • You add payment methods through the RaceTrac app or website, and they work at the pump and inside the station within minutes.
  • RaceTrac accepts Visa, Mastercard, American Express, Discover, debit cards, and their own branded rewards card.
  • You can store multiple payment methods and switch between them at checkout without logging in again.
  • Deleting a payment method stops it from working when ready, so update any subscriptions or recurring charges first.

Adding a payment method through the RaceTrac app

Open the RaceTrac mobile app and tap the menu icon (three horizontal lines) in the bottom right corner. Select "Account" or "My Account," then look for "Payment Methods" or "Saved Cards." Tap the option to add a new payment method.

Enter your card number, expiration date, and CVV (the three-digit security code on the back). If you're adding a debit card, you'll also enter your ZIP code. For bank account payments, you'll provide your routing number and account number instead. After you enter the information, RaceTrac may ask you to verify your identity by confirming your address or phone number. Once verified, the payment method is saved and ready to use.

Adding a payment method through the RaceTrac website

Go to racetrac.com and log into your account using your email and password. If you don't have an account yet, you'll need to create one with your email, a password, and your ZIP code. Once logged in, click on "Account Settings" or "My Account" in the top menu.

Look for "Payment Methods" or "Saved Cards" and click "Add New Payment Method." Enter your card details the same way you would in the app — card number, expiration date, CVV, and ZIP code. RaceTrac will verify your information and show you a confirmation message. The payment method is then active on both the app and website.

What happens when you use a saved payment method at the pump

When you arrive at a RaceTrac pump, tap your phone on the contactless reader or insert your card into the slot. If you're using the app, you may see a prompt asking which payment method to use. Select the one you want, and the pump will authorize the charge. Most pumps let you set a temporary hold amount (usually $100 to $125) so you can start fueling before the final amount is calculated.

The actual charge posts to your account after you finish pumping and the transaction completes. This usually happens within a few minutes, though it may take up to one business day to appear on your statement. If you used a debit card, the hold may take longer to release — typically two to three business days — because your bank controls the timing, not RaceTrac.

Updating or removing a saved payment method

To change the expiration date or other details on a saved card, log into the app or website, go to "Payment Methods," and select the card you want to edit. You can update the expiration date, ZIP code, or billing address. Some details like the card number itself cannot be changed — you'll need to delete the old card and add a new one instead.

To remove a payment method, open "Payment Methods," find the card you want to delete, and tap or click the delete option. RaceTrac will ask you to confirm. Once deleted, that card no longer works at RaceTrac pumps or for any other charges. If you have a subscription or recurring charge tied to that card, update it to a different payment method before you delete it, or the charge will fail.

Troubleshooting payment method problems

If your payment method is declined at the pump, the most common reasons are an expired card, insufficient funds, or a mismatch between the ZIP code you entered and the one on file with your bank. Check that your card hasn't expired and that your account has available funds. If the ZIP code is wrong, delete the payment method and add it again with the correct information.

If the app won't let you add a payment method, make sure you're logged in and that your account is active. Some banks block gas station charges temporarily if they look unusual — if that happens, contact your bank to authorize RaceTrac transactions, then try adding the card again. If the website is slow or won't load, try clearing your browser cache or using a different browser. The app is usually faster and more reliable for adding payment methods.

Frequently Asked Questions

Can I use a prepaid card at RaceTrac?

Most prepaid cards work at RaceTrac as long as they're Visa, Mastercard, American Express, or Discover branded. Some prepaid cards decline at gas pumps because they don't support the temporary hold that RaceTrac places while you're fueling. Contact your prepaid card issuer to confirm they allow gas station transactions before you try to add it.

What if I forget my RaceTrac password?

Go to the RaceTrac login page and click "Forgot Password." Enter your email address, and RaceTrac will send you a link to reset it. Click the link in the email and create a new password. You'll then be able to log in and access your saved payment methods.

Can I use someone else's payment method on my RaceTrac account?

No. Each payment method must be registered to the person whose name appears on the card or bank account. RaceTrac's system matches the cardholder name to your account during verification. If you want to let someone else pay, they should add their own payment method to their own RaceTrac account.

Do I have to use a saved payment method, or can I pay with a new card each time?

You can pay with a new card at the pump without saving it first. Tap or insert the card, and the pump will process it as a one-time transaction. Saving a payment method just makes future visits faster because you don't have to enter the information again.