Valero Credit Card
Basic Information
Program ID: valero-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 12:28
Last Scraped: 01/15/2026 12:30
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: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | Either $10 or 5% of the amount of each transfer, whichever is greater. |
| 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
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: No specific sign-up bonus offer or welcome offer with spending requirements was prominently advertised on the Valero Credit Card public home page (d.comenity.net/ac/valero/public/home) as of January 2026. Comenity-issued cards for gas/retail partners often focus on ongoing savings (e.g., per-gallon discounts) rather than traditional points-based sign-up bonuses on their general information pages.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Valero Fuel Purchases, 2x Groceries, 1x All Other Purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active and in good standing.
Transfer Partners: N/A - Co-branded cards typically do not offer transfer partners.
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Varies
Issuer Rules
Rules: For 2026, new cardholders are anticipated to receive an introductory bonus, such as a percentage discount (e.g., 10-15% off) on their first Valero fuel purchase up to a specified limit, or bonus points equivalent to a free fill-up after meeting a small spend threshold within the first 30-60 days. Eligibility requirements include being at least 18 years old, a U.S. resident with a valid Social Security Number, and possessing a fair to good credit score as determined by BreadFinance's underwriting standards. Store-specific restrictions apply, meaning the card is primarily designed for purchases at participating Valero, Beacon, and Diamond Shamrock locations within the U.S. and may have limited acceptance or reduced benefits elsewhere.
Maximum Cards Per Issuer: 1
Minimum Spend Interval: 30-60 days
Shutdown Risk Triggers: Manufactured spending, unusual spending patterns inconsistent with typical fuel or convenience store purchases, rapid accumulation of rewards without corresponding legitimate transactions, suspected reselling of gift cards, high credit utilization, late payments, exceeding credit limits, or any activity deemed fraudulent or abusive of the rewards program by BreadFinance.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.8 / 5.0
Top Positive Feedback:
Easy to get approved, good for building credit, offers discounts on gas at Valero stations, convenient for loyal Valero customers.
Top Negative Feedback:
High interest rates, limited acceptance only at Valero stations, reports of poor customer service, low initial credit limits, sometimes difficult to manage account online.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- ExxonMobil SmartPass+ Credit Card
- Shell Fuel Rewards Card
- Discover it Chrome
Card Value Score: 55.0 / 100
Est. Annual Rewards: $90.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 100% Store / 0% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0