What the Chevron Credit Card Is
The Chevron Credit Card is a co-branded card issued by Chevron and a bank partner, designed primarily for people who buy gas and other products at Chevron and Texaco stations. You use it like any other credit card — swipe it at the pump or inside the station, pay the bill monthly, and earn rewards on your purchases. The card offers cash back or points on fuel and other may be able to access purchases, though the exact rewards structure depends on which version of the card you hold.
Chevron offers more than one card product. The standard Chevron Credit Card earns rewards on gas purchases at Chevron and Texaco locations. There is also a Chevron Texaco Card designed for business use. Both cards work through a bank partner that handles the credit line, billing, and payment processing — Chevron itself does not issue the card, though it appears on the front.
The card is not a fuel-only card. You can use it anywhere Visa or Mastercard is accepted (depending on which version you have), though the rewards rate is typically highest at Chevron and Texaco pumps and lowest or nonexistent at other merchants.
Key Takeaways
- The Chevron Credit Card earns rewards on fuel purchases at Chevron and Texaco stations, with a lower or zero rewards rate at other retailers.
- You can use the card anywhere the card network (Visa or Mastercard) is accepted, not just at Chevron stations.
- The card requires a credit check during the process process, and approval depends on your credit history and income.
- Monthly payments are due to the bank partner, not to Chevron, and you can set up automatic payments through your online account.
- Rewards are typically redeemed as a discount at the pump or as a statement credit, depending on the card terms.
how the process works for the Chevron Credit Card
You can start an process online through Chevron's website or through the bank partner's site. The process asks for your name, address, date of birth, Social Security number, annual income, and employment status. The bank runs a hard inquiry on your credit report, which temporarily lowers your credit score by a few points.
The entire online process takes about 10 minutes. You will receive a decision — approved, denied, or pending — either when ready or within a few business days. If you are approved, the card ships to your mailing address within 7 to 10 business days. If you are denied, the bank will send you a letter explaining the reason, and you can contact the bank to ask whether you can reapply after addressing the issue.
There is no annual fee for the standard Chevron Credit Card, though some premium or business versions may charge one. Check the terms before you submit your process to confirm what you are signing up for.
Activating Your Card and Setting Up Payments
When your card arrives, you must set up it before you can use it. Most cards can be activated by calling the number on the back of the card or by logging into your online account and clicking an set up link. set up is when ready and takes less than a minute.
After set up, set up a way to pay your bill. You can pay online through your account portal, by phone, by mail, or by setting up automatic payments. Automatic payments are the safest option because they prevent missed payments, which damage your credit score and trigger late fees. You can choose to pay the full balance, the minimum payment, or a fixed amount each month.
Your first billing statement will arrive 20 to 30 days after your first purchase. The statement shows your balance, minimum payment due, and the due date. Pay by the due date to avoid a late fee, typically $25 to $40 depending on your card terms.
Understanding Rewards and How to Redeem Them
Rewards on the Chevron Credit Card are usually structured as cents-per-gallon discounts or as points that convert to statement credits. For example, you might earn 3 cents per gallon on fuel purchases at Chevron and Texaco, or you might earn 1 point per dollar spent, with points redeemable for $0.01 per point in statement credit.
The rewards rate varies by card version and can change over time. Check your cardholder agreement or log into your account to see your current earning rate. Rewards typically post to your account within one to three business days of the purchase.
To redeem rewards as a pump discount, the discount is usually applied automatically at checkout when you use your card at a Chevron or Texaco pump. To redeem rewards as a statement credit, you typically log into your account, select the redemption option, and the credit appears on your next statement within a few days.
Using Your Card at the Pump and in Stores
At a Chevron or Texaco pump, insert your card into the reader, enter your ZIP code when prompted, and pump your fuel. The transaction posts to your account within one to three business days. If you are redeeming a pump discount, it is applied at the time of purchase and reflected in your receipt.
Inside a Chevron or Texaco store, swipe or insert your card at the register like you would at any other retailer. You can use the card for fuel, snacks, car maintenance products, or anything else the store sells. Rewards explore to may be able to access purchases only — some items like lottery tickets or gift cards may not earn rewards.
Outside of Chevron and Texaco, you can use your card at any merchant that accepts Visa or Mastercard. However, rewards are typically zero or significantly lower at non-Chevron merchants, so the card is most valuable when you use it for fuel.
Managing Your Account and Avoiding Common Problems
Log into your online account regularly to check your balance, review recent transactions, and confirm your payment was received. Most banks allow you to view statements going back 12 months and to read statements as PDFs for your records.
If you notice a fraudulent charge, contact the bank when ready — the phone number is on the back of your card. The bank will investigate and typically remove the charge within 10 business days if it is confirmed as fraud. You are not responsible for unauthorized charges if you report them promptly.
If you miss a payment, the bank will charge a late fee and report the missed payment to the credit bureaus after 30 days. This damages your credit score and makes it harder to borrow money in the future. If you are struggling to pay, contact the bank to ask about hardship programs or payment plans before you miss a due date.
If you want to close your account, call the bank and request account closure. Pay off any remaining balance first. Once closed, the account will remain on your credit report for seven years, but you will no longer be able to use the card.
Comparing the Chevron Card to Other Gas Station Cards
Other gas station chains offer their own branded cards — Shell, BP, Speedway, and others all have versions. The main difference is where you can use the card and what rewards you earn. A Chevron card earns the most at Chevron and Texaco; a Shell card earns the most at Shell; and so on.
General-purpose cash back cards, like those from major banks, often earn 1.5% to 2% cash back on all purchases, including gas. A Chevron card might earn 3 cents per gallon, which could be more or less than 1.5% depending on the current price of fuel. If you buy gas at many different stations, a general-purpose card may be a better fit. If you buy most of your gas at Chevron, the Chevron card is likely worth having.
You can hold multiple cards at once. Many people carry both a Chevron card for Chevron purchases and a general-purpose cash back card for everything else. There is no penalty for holding multiple cards as long as you pay all of them on time.
Frequently Asked Questions
What credit score do I need to be approved for the Chevron Credit Card?
The bank does not publish a minimum credit score, but most gas station cards are easier to get than premium travel cards. People with fair credit (scores in the 600s) are often approved, though approval is not may provide. The best way to know is to explore — the process itself does not hurt your credit, only the hard inquiry does, and that impact is temporary.
Can I use the Chevron card at Texaco stations?
Yes. Chevron and Texaco are the same company, and the Chevron Credit Card works at both brands. You earn the same rewards rate at either location.
What happens if I don't use my card for a long time?
The bank may close your account if it sits inactive for 12 months or longer. A closed account still appears on your credit report and still counts against your credit score. If you want to keep the account open, use it at least once every few months.
Can I transfer my Chevron rewards to another program?
Rewards on the Chevron Credit Card are redeemable only as pump discounts or statement credits — they cannot be transferred to airline miles, hotel points, or other loyalty programs. Check your cardholder agreement for the exact redemption options available on your card.
What should I do if my card is lost or stolen?
Call the number on the back of your card when ready to report it. The bank will cancel the card and mail you a replacement within 7 to 10 business days. You are not responsible for fraudulent charges made after you report the card missing, as long as you report it promptly.