Valero Credit Card

BreadFinance Pending

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2

Benefits

1

Reward Categories

5x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: valero-credit-card

Issuer: BreadFinance

Card Name: Valero Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 12:28

Last Scraped: Feb 07, 2026 04:43

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Eligible servicemembers may qualify for an interest rate reduction to 6% on debt incurred prior to active duty.

Rewards Program (Detailed) 1 Categories
PENDING
Category Rate Type Description Annual Cap Status
All Purchases 5x Cash Back Earn 5¢ off per gallon for every $100 in Net Eligible Purchases made with your Valero Credit Card. The discount is applied as a statement credit, up to the first 100 gallons of fuel purchased in a single transaction. No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 2 Total
PENDING
Shopping 2
Everyday Fuel Savings
10¢ off per gallon

Cardholders save 10 cents per gallon on fuel purchases at participating Valero, Beacon, and Shamrock locations every day.

Introductory Fuel Savings Offer
Additional 10¢ off per gallon for 60 days

New cardholders receive an additional 10 cents off per gallon for the first 60 days after account opening, totaling 20 cents off per gallon during this period (10 cents everyday savings + 10 cents introductory savings).

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
Authorized User Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Balance Transfer: Either $10 or 5% of the amount of each balance transfer, whichever is greater.
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater.
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 6 months

⚠️ Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 6 Months or if you make a late payment.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Not specified
Issuer Rules & Policies
PENDING

Rules: For 2026, the Valero credit card from BreadFinance targets individuals with fair to good credit (typically FICO 640+). Eligibility requires applicants to be at least 18 years old (19 in AL/NE), a U.S. resident, and possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). All applications are subject to BreadFinance's credit approval process. New cardholders are anticipated to receive a bonus offer, such as a 10-cent per gallon discount on Valero fuel purchases for the first 90 days (up to 100 gallons), activated upon account opening and first use. Additionally, a one-time statement credit of $25 may be offered after spending $250 on Valero purchases within the first 3 months of account opening.

Max Cards Per Issuer: 1

Min Spend Interval: 3 months

Shutdown Risk Triggers: Late or missed payments, high credit utilization on the Valero card, unusual or excessive purchase patterns at Valero suggesting abuse of fuel discounts or reselling, opening too many BreadFinance accounts in a short period, manufactured spending (if applicable to a co-branded version), high cumulative credit limit across multiple BreadFinance cards, or significant derogatory marks on credit report post-approval.

Cliff Effect Rules: The Valero credit card is generally a standalone store-specific product. There are no complex 'card family' rules or upgrade/downgrade paths that typically trigger cliff effects related to bonus eligibility or product changes within a broader Valero card ecosystem. Eligibility for this card does not typically impact eligibility for other BreadFinance store cards.

Special Events: Exclusive cardholder-only discounts on specific Valero convenience store items, bonus fuel points or cents-off per gallon promotions during specific periods (e.g., summer travel season, major sporting events), and potential special financing offers on larger Valero purchases like car washes or auto services where available.

Holiday Promos: Enhanced fuel savings or bonus rewards during major travel holidays such as Memorial Day, Fourth of July, Labor Day, Thanksgiving, and Christmas/New Year. Specific promotions may include discounts on gift cards purchased at Valero or bonus rewards on convenience store items during these periods.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Convenient for earning rewards on Valero gas purchases, relatively easy to get approved for those with fair credit, useful for brand loyalists.

Top Negative:
High APR, limited rewards outside of Valero, poor customer service experience with Comenity, low credit limits, rewards can be difficult to redeem.

Approval Experience: 72.0 / 100

Recommended Alternatives
  • Citi Custom Cash Card
  • Discover it Chrome
  • Shell Fuel Rewards Mastercard

Card Value Score: 60.0 / 100

Est. Annual Rewards: $160.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0