Techron Advantage® Visa® Credit Card

Synchrony Visa Premium Pending

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11

Benefits

2

Reward Categories

3x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: techron-advantage-premium-card

Issuer: Synchrony

Card Name: Techron Advantage® Visa® Credit Card

Card Type: Credit

Network: Visa

Card Tier: Premium

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 10:04

Last Scraped: Feb 17, 2026 10:06

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Chevron & Texaco Non-Fuel Purchases 3x Cash Back Qualifying purchases at Chevron and Texaco stations, excluding fuel purchases. No Cap
All Other Purchases 1x Cash Back All other qualifying purchases everywhere Visa is accepted. No Cap
Rewards Summary
PENDING

Reward Type: Cash Back

Categories: 10¢ per gallon in fuel credits on qualifying fuel purchases at Chevron and Texaco stations; 3¢ per gallon in fuel credits on all other qualifying purchases.

Quarterly Rotating: No

Expiration Policy: Fuel credits expire 12 months after they are earned.

Redemption Penalties: Fuel credits are redeemed as statement credits on your Techron Advantage Premium Card account.

Benefits & Protections (Detailed) 11 Total
PENDING
Customer Service 1
Cardholder Inquiry Service
24/7 access

Provides 24/7 access to customer service representatives for general inquiries about your Visa card benefits.

Security 5
Zero Fraud Liability
N/A

You are not responsible for unauthorized charges made with your card or account information. This policy applies to purchases made in the store, over the telephone, online, or via a mobile device.

Lost/Stolen Card Reporting
N/A

Provides assistance with reporting a lost or stolen card to the appropriate parties and arranging for a replacement card.

Emergency Card Replacement
N/A

Expedited replacement of a lost or stolen card, typically within 1 to 3 business days.

Emergency Cash Disbursement
N/A

Provides emergency cash if your card is lost or stolen, typically available within hours.

ID Navigator Powered by NortonLifeLock™
N/A

Provides tools to help keep you informed of potential identity threats. Includes dark web monitoring, data breach notifications, and restoration assistance. Enrollment required.

Shopping 4
Fuel Credits on Chevron/Texaco Fuel Purchases
3¢ per gallon

Earn 3¢ per gallon in Fuel Credits on qualifying fuel purchases at Chevron and Texaco stations.

Introductory Fuel Credits on Chevron/Texaco Fuel Purchases
10¢ per gallon for 60 days

Earn 10¢ per gallon in Fuel Credits on qualifying fuel purchases at Chevron and Texaco stations for the first 60 days after account opening.

Fuel Credits on Chevron/Texaco Non-Fuel Purchases
3¢ per gallon

Earn 3¢ per gallon in Fuel Credits on qualifying non-fuel purchases at Chevron and Texaco stations (e.g., convenience store items).

Fuel Credits on All Other Visa Purchases
1¢ per gallon

Earn 1¢ per gallon in Fuel Credits on qualifying purchases everywhere Visa is accepted, outside of Chevron and Texaco stations.

Travel Assistance 1
Roadside Dispatch®
Pay-per-use service

A pay-per-use roadside assistance program. Cardholders can call 1-800-847-2869 to arrange for services like towing, tire changing, jump starting, lockout service, and fuel delivery. Fees apply per service call.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater.
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 21.24% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 24 months

⚠️ Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period or if you make a late payment.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Techron Advantage Premium Card in 2026 requires applicants to be 18 years or older, a U.S. resident with a valid SSN or ITIN, and possess good to excellent credit (typically FICO 670+). Approval is subject to Synchrony's credit underwriting standards, including income verification and a review of existing credit relationships. New cardholders are anticipated to receive a bonus (e.g., $100 statement credit or 10,000 points) after spending $500 on eligible purchases within the first 90 days of account opening. This bonus is generally a one-time offer per lifetime for this specific product.

Max Cards Per Issuer: 3

Min Spend Interval: 90 days

Shutdown Risk Triggers: Manufactured spending (e.g., excessive gift card purchases at gas stations, then liquidation), high cumulative credit limit across all Synchrony accounts relative to income, rapid succession of credit limit increase requests, opening too many Synchrony accounts in a short period (app spree), suspicious spending patterns inconsistent with typical consumer behavior, frequent returns of high-value items after earning rewards, defaulting on other Synchrony accounts.

Cliff Effect Rules: Synchrony does not have strict 'card family' rules like some major issuers (e.g., Chase's 5/24). However, approval for new cards and credit limit increases is heavily influenced by the applicant's total credit exposure with Synchrony and their overall credit profile. Applying for multiple Synchrony cards in a short timeframe may lead to denials or lower credit limits due to perceived risk or high existing exposure.

Special Events: Techron-specific promotions (e.g., discounts on Techron fuel additives or car washes when purchased with the card), gas station loyalty program integration (enhanced rewards or discounts when linked to Chevron/Texaco loyalty programs), fuel purchase bonuses (extra points/cash back on specific days of the week or for reaching certain fuel spending thresholds).

Holiday Promos: Major Travel Holidays (Memorial Day, Independence Day, Labor Day, Thanksgiving, Christmas/New Year's) with potential bonus rewards on fuel or travel-related purchases. Seasonal promotions during summer travel season, back-to-school, and winter holiday shopping.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Good rewards for loyal Chevron/Texaco customers, easy application process, useful for gas savings.

Top Negative:
Limited use outside of Chevron/Texaco, high APR, customer service issues with Synchrony, not competitive with general cash back cards.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Citi Custom Cash Card
  • Discover it Cash Back
  • Amazon Prime Rewards Visa Signature

Card Value Score: 55.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0