Chevron and Texaco Techron Advantage® Credit Card
Basic Information
Program ID: chevron-and-texaco-techron-advantage-credit-card
Issuer: Synchrony
Card Type: Credit
Network: N/A
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 08:38
Last Scraped: 01/15/2026 09:01
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,999.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: As of January 2026, the Chevron and Texaco Techron Advantage Credit Card primarily offers ongoing fuel savings (e.g., cents off per gallon) rather than a traditional spend-based sign-up bonus with a fixed monetary or points reward. Therefore, there is no lump sum bonus to be approved or posted.
Rewards Program
Reward Type: Fuel Discount
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.00%
Bonus Categories: 3 cents off per gallon on eligible fuel purchases at Chevron and Texaco stations. Occasional limited-time promotional offers may provide higher discounts (e.g., 5 or 10 cents off per gallon) for specific periods or spending tiers.
Point Value Estimate: 0.0000 cents/point
Expiration Policy: Discount applied at time of purchase; no points or rewards to expire.
Transfer Partners: N/A
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 620 - 720
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility requires being a U.S. resident, 18+ years old, with a valid SSN, and generally good to excellent credit, though Synchrony may approve with fair credit for store cards. The card's primary benefit is ongoing cents-off-per-gallon at Chevron and Texaco stations based on monthly spending tiers, rather than a traditional sign-up bonus. Any initial bonus is typically a small, one-time discount. Application involves a standard credit check. This card is store-specific, accepted only at participating Chevron and Texaco stations in the U.S. for fuel and in-store merchandise, and is not a general-purpose credit card.
Maximum Cards Per Issuer: 3
Minimum Spend Interval: N/A - Benefits are ongoing fuel savings, not tied to an initial spend requirement for a sign-up bonus.
Shutdown Risk Triggers: Manufactured spending (less common for fuel cards but a general trigger), high cumulative credit limit across Synchrony accounts, excessive credit seeking (many applications in a short period), late payments or defaults on any Synchrony account, suspicious activity or fraud flags, abuse of promotional offers, significant adverse changes in credit profile.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Users appreciate the fuel discounts at Chevron/Texaco stations, ease of approval, and occasional promotional offers.
Top Negative Feedback:
Common complaints include high APR, limited utility outside of Chevron/Texaco, and frequent issues with Synchrony's customer service and credit limit management.
Approval Experience Score: 78.0 / 100
Recommended Alternatives
- Shell Fuel Rewards Card
- ExxonMobil SmartPass+ Credit Card
- Discover it Cash Back
Card Value Score: 60.0 / 100
Est. Annual Rewards: $75.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 80% Store / 20% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0