Chevron and Texaco Fuel Cards Review: Are They Right for Your Fleet?

Chevron Texaco Logo

Chevron, along with its subsidiary Texaco, offers two fleet card programs. Could one of them be right for your business' fleet? We take a closer look…

Chevron and Texaco joined forces back in 2000, when the former announced its acquisition of the latter. This union of American fuel giants made Chevron the second-largest oil company in the US – a title the corporation still boasts today.

Among businesses that run fleets of vehicles, Chevron and Texaco are best known for the popular fleet card programs they offer together.

Also known as gas cards and fuel cards, fleet cards are essentially store credit cards that your drivers can use to buy gas and maintenance services, on your business’ behalf, while out on the road. No need for the fiddly paperwork and time-pressure that comes with reimbursing your drivers every time they fill up!

But what can Chevron and Texaco’s fuel card programs do for your business? And could one of them be your ideal solution? Let’s find out.

Businesses Served by Chevron and Texaco

Chevron and Texaco offer two different fleet card programs, each of which has been designed to serve a different type of business:

  1. The Business Card, which is suited to smaller operations that are based around Chevron and Texaco’s network of stations (which can mostly be found in the Northwest, Southwest, and Southeast US)
  2. The Business Access Card, which has been devised for larger businesses with fleets that tend to travel across the country

Chevron and Texaco Fuel Cards, Rewards and Incentives

The Business Card

Chevron Texaco Business Card

The Chevron and Texaco Business Card Review
Reviewed by Expert Market:06/12/2019


According to Chevron Texaco, this is a card for “businesses that keep it local and loyal” – in other words, smaller fleets that operate within reach of one (or more) of the US’ 8,000 Chevron and Texaco fuel stations, where this card can be used.

When compared to other fleet card programs, a network of 8,000 stations doesn’t exactly amount to spectacular coverage – but that won’t be a problem at all if your fleet operates close by. These stations can mostly be found in the Northwest, Southwest, and Southeast, but we’ll talk more about finding participating stations later!


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, and take advantage of paperless, automatic accounting.

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


There’s good news when it comes to fees – namely that there aren’t any! The only additional sum you’re at risk of paying with this card is a late fee:

Setup feeNone
Monthly feeNone
Late fee (charged if you don’t pay off your entire balance each month)Minimum $75

The Business Access Card

Chevron Texaco Business Access Card

The Chevron and Texaco Business Access Card Review
Reviewed by Expert Market:06/12/2019

Chevron Texaco’s Business Access Card does everything the Business Card does, offering real-time spend tracking, reporting, accounting, and the same advanced spending controls. However, there are two key benefits that set the Business Access Card apart.


Firstly, the Business Access Card comes with far better coverage. Just like its brother, it can be used at 8,000 Chevron and Texaco stations. However, it’s also accepted by a variety of other major brands. What does this add up to? Well, you can use this card at 95% of the country’s fuel stations. That’s convenience!


Secondly, unlike the Business Card, the Business Access Card program offers fuel cost rebates, meaning you can earn a little back for every gallon your fleet pays for.

What you’ll earn depends on how much your business buys per billing period – starting at 1¢ per gallon when you buy 500 to 2,000 gallons, and capping at 6¢ per gallon when you buy 10,000 gallons or more. There is a catch, though: these rebates only apply when you fuel up at a Chevron or Texaco station.


Unlike the Business Card, the Business Access Card does come with some fees, but they’re pretty small:

Setup fee$40
Monthly fee$2 per card
Late fee (charged if you don’t pay off your entire balance each month)Minimum $75

Compare tailored quotes from leading fleet card providers

Finding a Chevron or Texaco Station

With 8,000 locations, Chevron and Texaco operate just 6% of the US’ gas stations. But whether the relative smallness of this network would actually cause problems for you depends on where your fleet operates.

As an overview, 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.

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 no longer being either.

Here are some of the tools you (or your drivers) can use to locate Chevron and Texaco stations:

    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.
    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.

Chevron and Texaco's Pros and Cons


  • Support: Chevron Texaco provides a 24/7 US-based customer advice service
  • Control: Fleet managers can stamp out unnecessary spending with extensive purchase controls
  • Visibility: Businesses can view real-time spend tracking and historical reporting via an app
  • Security: Drivers must present an ID and odometer reading to make a purchase using these cards
  • Affordability: The Business Card comes with no monthly, annual, or setup fees. The Business Access card program charges just $2 per card per month, plus a one-time setup fee of only $40
  • Savings: The Business Access Card program offers savings of up to 6¢ per gallon of fuel bought (but only when you fuel up at Chevron or Texaco stations)
  • Coverage: The Business Access Card can be used at 95% of the US’ fuel stations


  • Weaker coverage: The Business Card is only accepted at Chevron and Texaco fuel stations (though this won’t be a problem if you operate near them!)
  • Fewer savings: Unlike other fuel cards for small businesses, the Business Card does not offer rebates on fuel costs
  • Pay in full: With these cards, you won’t be able to carry any balances – and if you don’t pay your balance in full every month, you’ll be charged a minimum late fee of $75
  • Difficult navigation: Chevron and Texaco’s station locator apps have been known to direct drivers to stations that no longer operate under either brand

Expert Verdict

Both Chevron and Texaco’s gas cards are solid options for business fleets. Advanced spending controls, spend tracking, reporting, accounting, and security requirements make for comprehensive, customizable programs, which are bound to help you better manage your fleet’s expenses and cut out unnecessary spending.

If you’re already a Chevron or Texaco regular – and run a small fleet of drivers who aren’t likely to travel far from a Chevron or Texaco station – Chevron and Texaco’s Business Card could be a good fit for you.

If you run a larger fleet that travels across the country – or simply operates in a region with very few Chevron or Texaco stations – you’ll be better off investigating Chevron and Texaco’s Business Access Card.

Of course, there are so many fuel card options out there that this decision can feel overwhelming. But don’t worry – we’re here to help. Simply tell us a little about your business via our quick form, and you’ll receive tailored quotes from trusted fuel card suppliers so you can easily compare your options.

Julia Watts Content Manager

Specialising in the complex realms of telephone systems, business energy, vehicle tracking, asset tracking, and fuel cards, Julia writes content that cuts through the noise to help you find the right solutions and technologies for your business. Having spent five years working across the dynamic world of entrepreneurship, she loves helping exciting ventures – big or small – to flourish.