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View BreakdownThe Techron Advantage® Card has minimal fees, as it also has minimal functionality. However, it doesn’t charge an annual fee, making it an inexpensive addition to your wallet.
The card has a very high APR, meaning leaving a balance on your card will result in expensive interest charges.
The card’s rewards program is decent for Chevron and Texaco enthusiasts, but overall, the rewards are lackluster and complicated.
Synchrony Bank reports to all three major credit bureaus, so using this card responsibly could help you establish or improve your credit score.
Synchrony Bank does not disclose the available credit limits on this card, so we rated this category based on the most likely minimum and maximum limits.
Our WalletCrowd Star Rating represents an objective and unbiased evaluation of this card, without influence from advertisers and affiliates. Our scores are generated by a rubric and our reviews adhere to a strict editorial process. Learn more about how we rate credit cards.
Annual Fee $0
Credit Score 580 – 669
Purchase APR 29.99% (variable)
Cash Advance APR 29.99%
The Chevron/Texaco Techron Advantage® Card is a closed-loop credit card that can only be used for Chevron and Texaco fuel and Synchrony Car Care purchases. While it doesn’t charge an annual fee and offers rewards on every gallon bought, it suffers from a high APR and a low rewards rate.
The Chevron/Texaco Techron Advantage® Card is a card that’s only worth considering if you’re an avid Chevron or Texaco fueler who can’t qualify for a traditional gas rewards card. Here’s what to know about it:
Annual Fee $0
Annual Fee $0
Annual Fee $0
Deposit N/A
Deposit $200 – $2,500
Deposit N/A
Credit Score 580 – 669
Credit Score 300 – 669
Credit Score 580 – 669
Purchase APR 29.99% (variable)
Purchase APR 27.24% (variable)
Purchase APR 30.99% (variable)
Rewards
Rewards
Rewards
Reviewers and cardholders don’t have a ton to say about the Chevron/Texaco Techron Advantage® Card, as most experts focus on the Visa alternative. However, the overall sentiment toward the card is negative-to-neutral, with many pointing out its minimal functionality and low rewards rates.
| Publication | Rating |
|---|---|
| The Ascent (Motley Fool) | 2/5 |
| WalletHub (user ratings) | 3.3/5 |
| Credit Karma (user ratings) | 3/5 |
| Compare Cards (Lending Tree) | 2/5 |
| Travel Freedom | Negative |
| CFI Blog | 3.6/5 |
| Credit Shout | Negative |
| Aggregate rating: 2.8 |
Expert reviewers are pretty much in agreement that you can do better than the Chevron/Texaco Techron Advantage® Card when it comes to earning rewards at the pump. Reviews also point to the high APR and changing rewards scheme as major deterrents to getting the card.
There aren’t many customer reviews for the closed-loop card, as opposed to the Visa option. However, many consumers who reviewed the card online seem to be displeased with the card’s borrowing terms and their interactions with customer service.
The rewards program on the Techron Advantage® Card is a bit complicated, making it difficult for borrowers to understand how good of a deal they’re actually getting. While the welcome bonus fuel rewards rate is great, the ongoing rates are low and subject to change.
Here’s how the Chevron/Texaco Techron Advantage® Card’s rewards work:
| Category | Fuel Credits | # of Gallons | Rewards earned |
|---|---|---|---|
| Regular | 3¢/gallon | 20 | $0.60 |
| Plus | 6¢/gallon | 20 | $1.20 |
| Supreme/Premium | 8¢/gallon | 20 | $1.60 |
For comparison, if you bought 20 gallons of gas at $4/gallon with a traditional credit card that earned 1% back on gas, you’d earn $0.80. One benefit of using a traditional rewards card over the Chevron-exclusive card is that how much you earn will go up in tandem with rising gas prices.
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.
Of the Fuel Credits program, Chevron writes:
“Fuel Credits accrue during your billing period and will be applied as a cents-per-gallon discount at the pump or as a statement credit to the balance on your Card Account or Visa Card Account at the end of the billing period in which they are earned”
They also note that you will not be able to earn or redeem Fuel Credits if your account is not in good standing.
The Chevron/Texaco Techron Advantage® Card doesn’t charge an annual fee, making it a relatively inexpensive card. However, we deducted points in this category for the card’s lack of functionality; for example, it doesn’t allow foreign transactions or balance transfers.
The Chevron/Texaco Techron Advantage® Card suffers from a high APR (annual percentage rate), meaning if you leave a balance on your card after the statement due date, you’ll quickly gain interest charges on your balance.
As we don’t know the actual minimum and maximum credit limits available on this card, we estimated the range based on online reports. If you’re approved for this card rather than the Visa alternative, it’s likely you’ll be offered a relatively low credit limit (under $1,000).
There’s no definite information on the range of credit limits available on this card. However, cardholders who have reported the initial credit limits they were offered cite numbers between $200–$600. Consumers also say they were given automatic credit limit increases (and decreases in some cases).
The Chevron/Texaco Techron Advantage® Card offers a very minimal range of benefits, including:
While Synchrony Bank doesn’t advertise their minimum credit score requirements, you’ll likely need a fair credit score (aka a FICO score between 580–669) to qualify.
When you apply for the card, you’ll first be considered for the Techron Advantage® Visa®, which can be used anywhere Visa is accepted and earns more points than the closed-loop alternative. If your credit history doesn’t qualify you for that card, you’ll then be considered for the non-Visa option.
To apply for the Techron Advantage® Card, you can fill out an application form online or go to your local Chevron or Texaco station and ask an attendant if they have credit card applications. Regardless of your application method, you’ll be asked to provide personal details (including your Social Security number), contact details, and employment information (like your salary).
The Chevron/Texaco Techron Advantage® Card is issued by Synchrony Bank.
Yes, the card’s issuer—Synchrony Bank—reports monthly to the three major credit bureaus. This helps your credit report stay up to date based on how you use your Chevron card.
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 on this card. If you have to do so in an emergency, be sure to pay it off immediately.
Yes, there’s a 23-day grace period. If your account is up to date, the charges you make during the grace period won’t be subject to interest.
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 (e.g., a teenager) to your card as an authorized user can be a way to help them establish a credit score and build their credit while limiting what purchases they can make.
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:
Lost or stolen cards:
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Credit Cards Editor
Kari Dearie is an editor for WalletCrowd specializing in credit and personal finance. She previously managed a B2B website in the data privacy and digital compliance industry.
