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

Chevron Texaco Logo

If you’re already a Chevron or Texaco regular and/or run a large fleet that travels across the country, chances are the provider has a fuel card program that will fit your bill.

The quickest way to find the best fuel card for your needs is by comparing quotes – and we can help with that. Through our free quote comparison tool, you can get custom prices from various trusted providers, priming you to get the best deal.

However, if you'd like to know more about Chevron and Texaco, just head to our review below, in which we'll go over its benefits and shortcomings.

chevron texaco logo
Chevron Texaco
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Quick overview

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

First up is the 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). Conveniently, it comes with no monthly, annual, or setup fees.

The Business Access Card, on the other hand, has been devised for larger businesses with fleets that tend to travel across the country. It charges just $2 per card per month, plus a one-time setup fee of only $40. Unlike its lower tier, it offers a rebate on fuel costs.

Both can be used at 8,000 Chevron and Texaco stations, but its premium tier is also accepted by a variety of other major brands. In fact, 95% of the country’s fuel stations welcome it.

Strengths

24/7 US-based customer advice service

Extensive purchase controls

Real-time spend tracking and historical reporting

Drivers must present an ID and odometer reading to make a purchase using these cards

The Business Access Card can be used at 95% of the US’ fuel stations

Weaknesses

Business Card does not offer rebates on fuel costs

You're not able to carry any balances

Station locator apps are known to have outdated information

Business Card is only accepted at Chevron and Texaco fuel stations

Chevron and Texaco Fuel Cards, Rewards and Incentives

The Business Card

Chevron Texaco Business Card

Coverage

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!

Features

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. This 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 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.

Fees

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

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.

Coverage

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!

Features

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.

Fees

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.

Our Methodology: How Did We Do Our Research?

Five researchers carried out in-depth research into US fleet cards according to a comparison framework designed by our research team leader. For each card we've asked these questions:

  • How convenient is it to use?
  • How helpful is it for managing fuel expenses?
  • What can it do to ensure your company's funds are secure?
  • What extra benefits do you receive from using it?

We've also broken down each card by fee structure, fuel type, network coverage and more to offer you the easiest choice.

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 looking for a fuel card for smaller fleets, providing you're already a Chevron or Texaco regular and 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. Or read our full breakdown of the best fuel cards for truckers and larger cross-country fleets.

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.

Written by:
Julia Watts author headshot photo
Specialising in business software, Julia writes jargon-busting guides about VoIP, fleet management, dash cams, fuel cards, and more. Having spent almost a decade writing for entrepreneurs and reviewing business solutions, she loves helping exciting ventures – big or small – to flourish.
Reviewed by:
Maïté Bouhali
Maite began her career with Expert Market nearly four years ago as a writer. She quickly developed a passion for the challenges faced by small businesses and now endeavours to help them make informed decisions for their future. In her current position as Business Software Editor, Maite works closely with writers to ensure that each article is informative, well-researched, engaging, and actionable for readers. With extensive knowledge of CRM, vehicle tracking devices, and fuel cards, she is meticulous in her review of each article and provides detailed feedback before publication. Whether you're seeking to stay informed on the latest trends in business software or need guidance in selecting the most appropriate software for your organisation's needs, Maite is here to help. With her sharp eye for detail and commitment to quality, she is dedicated to supporting businesses in achieving their goals.