Chevron and Texaco Fuel Cards Review: Features, Pros & Cons

Chevron and Texaco have teamed up to offer two fleet fuel card programs, the Business Card and the Business Access Card. The former is designed for small, local fleets, while the latter is for large fleets that operate nationwide.

According to our research, neither can be crowned the best fuel card on the market, but they both come with a decent set of reporting tools and discounts. In this review, we’ll go over key features like rebates, perks, and network coverage to help you decide if a Chevron and Texaco card is the right choice for your business.

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Chevron and Texaco Fuel Cards: Quick Overview

Chevron and Texaco offers fuel cards that can work for both small local fleets and large nationwide fleets. Here’s a quick overview of your options and the advantages and disadvantages:

Chevron and Texaco Business Card

The Chevron and Texaco Business Card is suited to smaller operations based around Chevron and Texaco’s network of stations (which can mostly be found in the Northwest, Southwest, and Southeast US). This is because it can’t be used outside of this network.

But, conveniently, the Chevron and Texaco Business Card comes with no monthly, annual, or setup fees, which makes it a great way to track your fuel spending on the cheap.

Reporting and spending controls on the Chevron & Texaco Business card

Using Chevron and Texaco’s online fleet cards portal, you can:

• Monitor your drivers’ spending in real time with automatic purchase tracking
• Generate reports on day-by-day, month-by-month, or year-by-year spending
• Take advantage of paperless, automatic accounting

This level of reporting can ultimately help you improve your fuel efficiency and reduce spending.

Importantly, using Chevron and Texaco’s highly customizable purchase controls, you can also curb unnecessary spending by setting spending limits and restrictions on:

• The hours in a day, or days in a week, when your drivers can use their cards
• The type of products or services your drivers can purchase
• How many dollars they can spend per day or per week
• How many dollars they can spend per transaction
• How many transactions they can make in a day
• The total number of gallons of fuel that can be bought

These restrictions can be set by driver or by card, giving you incredible control over your fleet’s spending.

Charges and fees on the Chevron & Texaco Business card

The Business Card has zero fees. The only additional sum you’re at risk of paying with this card is a late fee:

*Current late fee charges listed on US State Department Chevron and Texaco Business Card application.

Rebates and discounts on the Chevron & Texaco Business card

The Business Card does not come with any rebates on fuel, but it does give you access to discounts on fleet-related purchases, such as parts, tires, and hotel stays.

However, Chevron and Texaco states that exceptions apply to who can access discounts, and not all customers are eligible.

Network coverage with the Chevron & Texaco Business card

The Business Card can only be used at Chevron and Texaco stations. There are around 8,000 in the US, mostly in the Northwest, Southwest, and Southeast.

That’s not exactly a spectacular amount of coverage. For instance, many WEX cards (like the WEX Fleet Card) have 95% acceptance rates. Even WEX cards with more limited ranges can be used in almost twice as many locations (15,000). But all that won’t be a problem at all if your fleet only operates in Chevron and Texaco hotspots.

Chevron and Texaco Business Access Cards: Access and Access Flex

Chevron & Texaco’s Business Access program is aimed at fleets that criss‑cross the country and need near‑universal acceptance plus tighter spend controls than a consumer credit card can offer.

You now have two types of Business Access Card to choose from: a charge card named the Business Access Card and a credit card called the Business Access Card Flex.

The Business Access Card Flex (credit card) allows you to carry forward the monthly balance when cash flow is tight, while the charge card does not. It also has no setup, annual, or monthly fees, and doesn’t have an extra charge for out-of-network fuel purchases. That makes it the better choice for cash‑flow flexibility without giving up fleet‑card controls; ideal when revenue is seasonal.

On the other hand, the regular Business Access Card (charge card) doesn’t allow balances to be carried forward, and it has card fees and setup fees. It shines best of the two if you want: spend controls and nationwide acceptance, but prefer to avoid interest charges.

Reporting and spending controls with the Chevron & Texaco Business Access cards

Both Chevron and Texaco’s Business Access Cards (the Flex credit card and the regular Charge card) do everything the Business Card does, offering real-time spend tracking, reporting, accounting, and the same advanced spending controls. For clarity, these are:

• Real‑time transaction visibility and automatic accounting integration
• Custom reports (daily, monthly, yearly) to pinpoint wasteful routes or drivers
• “Set‑it‑and‑forget‑it” controls by driver or card for dollar limits, product type (fuel‑only option), time‑of‑day windows, max gallons, and transaction count
• Mandatory Driver ID and odometer prompts at the pump for added fraud protection

Charges and fees with the Chevron & Texaco Business Access cards

It’s when it comes to charges and fees that the Business Access charge card and the Business Access Flex credit card differ the most, according to their respective terms and conditions documents (see the Flex’s here or the Charge’s here). The former has recurring fees, while the other doesn’t. But there are similarities between the two.

What’s the difference between the Access Charge and Access Flex cards in terms of fees?

Quick summary: The Flex card has no monthly fee but carries high interest (Prime + 15.99 %, rising to + 29.99 % for a year after any late payment) and hefty penalties. The Charge card has no interest but missteps trigger tighter terms and a monthly “high‑risk” fee. Both now add a $2 out‑of‑network transaction charge.

The credit card version of the Business Access Card, called the Flex, might seem like it offers a better deal for charges, since it has no monthly fees. However, since it’s a credit card, a Prime interest rate + 15.99% applies, which means you might end up paying back a little more than what you spent if you don’t clear the statement each month.

Notably, as we discovered in the Flex card’s terms and conditions, if you miss a payment, this jumps up to Prime + 29.99%. And crucially, it doesn’t reset back to 15.99% until you go 12 consecutive billing cycles without another slip‑up. You also get slapped with a $39 or 9.99% (of the outstanding balance) late payment fee (whichever is higher, capped by state law), while returned payment fees are $50, and an over‑limit fee is $39.

To avoid all interest payments with the Flex card, you need to pay the previous two statements in full. Minimum payment is the greater of $30 or 2% of your balance plus any fees. It’s good to confirm that each statement closes monthly and the due date for payment is 14 to 26 days later (shorter than most consumer cards, and as such, we strongly suggest making electronic billing/payment for speed).

These kinds of late payment conditions also apply to the Charge card, however, but to a lesser degree of severity. Two late/returned payments in any 6 month period lets WEX shorten your billing window, cut your limit, and add a ‘High‑Risk Credit Fee’ of  2% of your credit line (up to $199) each month until your history improves. You’ll also want to make electronic payments with the Charge card, since there are fees for phone ($35) and check ($25) payments.

Elsewhere, the Business Card Flex is now aligned to the Charge card in that it also has a $2 out-of-network fee, a new introduction for 2025.

Rebates and discounts with the Chevron & Texaco Business Access cards

Unlike the Business Card, the Business Access Card program offers fuel cost rebates for both the Access charge and Access Flex cards, meaning you can earn a little back for every gallon your fleet pays for. How much depends on how much fuel you buy per month:

These rebates only apply when you fuel up at a Chevron or Texaco station.

In addition to rebates, the Business Access Card comes with discounts on the same fleet-related purchases as the Business Card, such as parts, tires, and hotel stays.

Network coverage with the Chevron & Texaco Business Access cards

Both Business Access Cards come with far better coverage than the Business Card.

Either can be used at 8,000 Chevron and Texaco stations, but they are also accepted by a variety of other major brands, covering 95% of the country’s fuel stations through the WEX/Voyager acceptance network. That includes 45,000 service locations for maintenance purchases.

However, remember that all out-of-network purchases are subject to a $2 fee with both the regular Business Access charge card and the Business Access Flex credit card. Although since the network is 95% of the country, that should be far rarer than with the Chevron & Texaco Business card.

It’s also notable that the Charge card works in Canada, although it comes with a 2% currency conversion fee (you cannot issue cards to drivers based outside the US). With the Flex card, it isn’t stated whether you can use it beyond US borders.

Where are Chevron and Texaco Stations?

You can find Chevron and Texaco stations in states across the Northwest, the Southwest, and the Southeast. By contrast, in the Northeast and Central US, Chevrons and Texacos are pretty thin on the ground.

With 8,000 locations, Chevron and Texaco operate just 6% of the US’ gas stations. This won’t be an issue if your fleet operates in these areas.The Chevron network is larger than the Texaco one, and you can use both with a Chevron and Texaco fuel card.

States with the most Chevron stations

• California
• Texas
• Georgia
• Florida

There are also quite a few on the coast of Washington and Oregon.

States with the most Texaco stations

• Texas
• Georgia
• Alabama

There are also a small number on the coast of California and Washington. Other states with a fair number of both Texaco and Chevron stations include Alabama and Louisiana.

Finding a Chevron or Texaco Gas Station

It’s worth knowing that looking for stations to visit can present challenges. Over the years, many of the brands’ branches have been acquired by Shell – annoyingly, though, a lot of these branches still show up on navigator apps as Chevron or Texaco, despite belonging to neither.

That being said, there are still thousands out there that your fleet can use. Here are some of the tools you (or your drivers) can use to locate Chevron and Texaco stations:

1. 1. Chevron’s browser-based locator. For the most up-to-date information, we’d suggest using Chevron’s online station locator. Handily, this interactive map lets you check for stations in a particular location, or plot out the stations your drivers will come across on a certain trip based on their origin and destination. You can see a 35-mile radius around a set location.
   2. Chevron and Texaco’s free station finder apps. These enable you and your drivers to browse stations from the palm of your hand. However, several users have complained that these apps sometimes direct them to Chevron or Texaco stations that no longer exist. Switching between the two can also be a pain.

Our Methodology: How Did We Review Chevron and Texaco Fuel Cards?