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Though the $0 annual fee is economical, the Chevron/Texaco Techron Advantage® Card suffers from a low rewards rate, high APR, and lack of versatility.
Quick Review
The Chevron/Texaco Techron Advantage® Card is a no-annual-fee gas card that earns you Fuel Credits on purchases of gas from Chevron and Texaco stations. These Fuel Credits translate into savings of a mere 3¢/gallon, a rate that lags behind branded competitors and general rewards cards alike.
To put into perspective just how little that is: if you pay $40 for 10 gallons of gas, those 10 gallons would net you 30¢ of savings with this card, whereas a rewards card with a 2% cash back rate for fuel purchases would earn you 80¢. Even a 1% cash back rate—the lowest you’ll find anywhere—would still earn 40¢ on those ten gallons.
This card’s welcome offers boost that rate: for your first 90 days, you’ll save 37¢/gallon, and for a limited time you’ll also earn 6¢–8¢/gallon on Plus, Supreme, and Premium fuel.
As a store card, the Chevron/Texaco Techron Advantage® Card can only be used to make purchases at Chevron and Texaco gas stations or at select Synchrony Car Care™ partners (typically auto parts/repair businesses). You also won’t earn Fuel Credits on non-gas purchases.
Luckily, when you apply for a Chevron/Texaco Techron Advantage® Card, you’ll first be evaluated for the Chevron/Texaco Techron Advantage® Visa® Card, which allows you to earn Fuel Credits on all purchases and can be used much more widely. If your credit isn’t good enough to qualify, you’ll then be considered for the Chevron/Texaco Techron Advantage® Card.
Although this card made our list for the best gas cards for bad credit, the Chevron/Texaco Techron Advantage® Card doesn’t hold up well against the competition if you’re not a bad credit holder. You’re better off looking for a general-use rewards card that earns cash back on gas purchases.
Chevron/Texaco Techron Advantage® Card Important Details
Basic Card Details
- Credit card issuer: Synchrony Bank
- Annual fee: $0
- Purchase APR: 29.99% (variable)
- Fuel rewards rate: 3¢/gallon (no gallon limit)
- Welcome bonus: 37¢/gallon on all fuel purchases in first 90 days
- Grace period: 23 days
Additional Information
- Earn 6¢/gallon on Plus fuel and 8¢/gallon on Supreme or Premium for a limited time
- No liability for fraudulent purchases made with your card
- No fee for authorized users
- Use your card with Synchrony Car Care™ partners, like auto repair shops and auto parts suppliers
- Synchrony Bank offers promotional financing of 6 months of no interest on purchases of at least $199
Chevron/Texaco Techron Advantage® Card Feature Breakdown
Here’s a look at the Chevron/Texaco Techron Advantage® Card’s rewards, fees, and major features to help you decide if it’s the right gas card for you.
Fees
- Annual fee: $0
- Cash advance fee: $10 or 5% (whichever is greater)
- Late payment fee: Up to $40
Interest Rates
- Purchase APR: 29.99% (variable)
- Cash advance APR: 29.99% (variable)
Rewards
With the Chevron/Texaco Techron Advantage® Card, you earn Fuel Credits which translate into savings of 3¢/gallon on fuel purchases (excluding commercial aviation and marine fuel). There is no limit to the number of gallons that will earn you Fuel Credits.
While you can use your card for all purchases made at Chevron or Texaco stations as well as Synchrony Car Care™ partners, you will only earn Fuel Credits and receive discounts on purchases of gasoline.
Welcome Bonus
You will earn 37¢/gallon at Chevron and Texaco stations in your first 90 days of card ownership.
Also, you’ll earn 6¢/gallon on Plus fuel and 8¢/gallon on Supreme or Premium fuel when you pay with your card through the Chevron or Texaco mobile apps. This is a limited time offer though, so this may not be the rewards rate you consistently enjoy.
Cash Advance
You can only use your Chevron/Texaco Techron Advantage® Card to take out cash advances if you have been approved for a credit limit of at least $500. You’ll need to pay a fee of either $10 or 5% of the amount of your advance (whichever is greater), and you’ll be charged interest at an annual rate of 29.99% (variable). Because the cost is so great, we strongly recommend against taking out cash advances.
Other Benefits
The Chevron/Texaco Techron Advantage® Card comes with a few benefits:
- $0 fraud liability: If someone steals your card, you won’t be held liable for any fraudulent charges.
- Synchrony Car Care™ Acceptance: Besides Chevron and Texaco stations, you can use this card to make purchases at any Synchrony Car Care™ partners, including select auto repair businesses and auto parts sellers.
- Promotional financing: No interest on qualifying purchases of at least $199 as long as you pay off your balance in 6 months.
Authorized Users
You can add authorized users to your Chevron/Texaco Techron Advantage® Card and receive cards for them with no additional charge.
Adding a family member to your card as an authorized user to a store card can be a way to help a teenager establish a credit score and build their credit while limiting what purchases they can make.
Credit Reporting
Synchrony Bank will report your card activity to the three major credit bureaus (Experian, Equifax, TransUnion) as well as Innovis. This information will be used to update your credit report.
Customer Service
If you have any questions or concerns about your Chevron/Texaco Techron Advantage® Card, you can contact Synchrony Bank customer service in several ways. You can chat online with their virtual assistant through your account page, or call Synchrony Bank at one of the following telephone numbers:
General customer service:
(866) 419-4096
Lost or stolen cards:
(877) 295-2080
Card fraud:
(866) 834-3205
Should You Get the Chevron/Texaco Techron Advantage® Card?
FinanceJar verdict
Even if Chevron and Texaco are your preferred gas stations, the Chevron/Texaco Techron Advantage® Card’s savings rates won’t make a meaningful dent in your gas expenses. The Visa version offers more competitive rates, but you should seriously consider a basic rewards card before making a final decision. Many everyday rewards cards offer more opportunities to earn and redeem points, more valuable perks, and offer lower APR than either of these cards.
Who is this card for?
- Regular Chevron and Texaco customers: As the only people who can take advantage of this card’s savings, you’ll appreciate this card’s massive welcome bonuses during your first 90 days. The promotional financing offered by Synchrony Bank is also an unusual and fairly useful benefit not offered by other gas cards.
Comparable Cards
In this section, we’ll go over the differences between the Chevron/Texaco Techron Advantage® Card and its Visa equivalent, plus how it stands up against some notable competitors.
