Chevron and Texaco Techron Advantage Credit Card
Basic Information
Program ID: chevron-texaco-techron-advantage-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 08:45
Last Scraped: 01/15/2026 09:09
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: 2,124.00% - 2,924.00%
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: $50.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Typically within 1-2 billing cycles after the requirement is met and qualifying purchases have posted.
Rewards Program
Reward Type: Fuel Discount
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.02%
Bonus Categories: Fuel purchases at Chevron and Texaco stations
Point Value Estimate: 0.0000 cents/point
Expiration Policy: N/A - discounts applied directly to statement
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
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: The Chevron-Texaco Techron Advantage Credit Card offers ongoing fuel savings at participating Chevron and Texaco stations. Eligibility requires applicants to be at least 18 years old, a U.S. resident with a valid Social Security Number or ITIN, and demonstrate sufficient income and creditworthiness. While Synchrony is known for being accessible, approval is subject to credit review. The primary bonus is typically a per-gallon discount on fuel purchases, often tiered based on monthly spending. Store-specific restrictions apply, meaning the card is primarily for use at Chevron and Texaco branded stations in the U.S. and its territories.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: N/A for ongoing benefits; initial sign-up bonuses (if any) typically require first purchase or spend within 30-90 days.
Shutdown Risk Triggers: Manufactured spending (though less common for gas cards), high cumulative credit limit across Synchrony accounts, repeated late payments, defaulting on other Synchrony accounts, suspicious or fraudulent activity, rapid succession of Synchrony card applications, or significant changes in credit profile.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.9 / 5.0
Top Positive Feedback:
Users appreciate the significant gas savings (up to 20 cents off per gallon) for frequent Chevron/Texaco customers, finding the card beneficial for fuel expenses. Some also note relatively easy approval for the basic store card version.
Top Negative Feedback:
Common complaints include high APRs, poor customer service from Synchrony Bank, low initial credit limits, and difficulties with credit limit increases. Some users also report issues with reward redemption or application.
Approval Experience Score: 65.0 / 100
Recommended Alternatives
- Shell Fuel Rewards Card
- Citi Custom Cash Card
- Discover it Chrome
Card Value Score: 60.0 / 100
Est. Annual Rewards: $100.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 20% General / 80% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0